Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint concerns Experians false and misleading response to my prior complaint, CFPB Case # XXXX, submitted on XX/XX/scrub> 2025. 

That complaint involved Experians unlawful reinsertion of a XXXX XXXX XXXX XXXX tradeline that had been removed in XX/XX/scrub> 2025 following my submission of a valid FTC Identity Theft Report and police report, as required by FCRA 605B. 

However, in XX/XX/year>2025, Experian reinserted the tradeline, altering metadata and payment history, while failing to provide the written notice required under FCRA 1681i ( a ) ( 5 ) ( B ). This reinsertion was not properly conducted or notified, violating the Fair Credit Reporting Act ( FCRA ) and my legal rights as an identity theft victim. 

On XX/XX/year>2025, Experian responded to my original complaint, asserting that the data furnisher verified the tradeline, yet I have evidence of the account being deleted again on XX/XX/scrub> 2025, under Report # XXXX. This creates a clear contradiction between the verified status claimed by Experian and their own internal report showing that the item was deleted. 

If the account was indeed verified, why was it removed again in XX/XX/year>2025? This raises questions about Experian 's due diligence in conducting a fair and accurate investigation, in violation of FCRA 1681i. Their actions continue to violate the FCRAs procedural requirements, and this contradiction further substantiates my claim that Experian has not performed a proper investigation or followed the legally required process.

Private Cause of Action : This complaint involves multiple violations of my private right of action under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) : FCRA 1681i ( a ) ( 1 ) and ( 5 ) ( B ) Failure to conduct a reasonable investigation into the reinsertion of the XXXX XXXX XXXX XXXX tradeline and failure to notify me of the reinsertion within the required 5-day timeframe, causing credit score harm.

FCRA 605B Failure to block the fraudulent account after I presented supporting documentation, as required under the FCRA for identity theft victims.

FCRA 1681n Willfully violating the FCRA by failing to perform a reasonable investigation, knowingly reinserting inaccurate and fraudulent information without notice, and providing false or misleading information to the CFPB.

FCRA 1681o Negligent failure to comply with FCRAs requirements and causing me financial harm, including a significant drop in my credit score, leading to adverse actions and denials of credit.

Given these violations, I am asserting my private cause of action under these provisions, seeking statutory monetary damages as well as further action to correct my credit file.

Resulting Harm : Experians illegal reinsertion caused my credit score to drop from XXXX to XXXX, resulting in subprime credit terms and denials of credit. This harm has had ongoing consequences, impacting my ability to obtain fair financial terms. 

Experians false statements and contradictory actions obstructed my ability to properly resolve this issue, as I was led to believe the matter was resolved, only to discover the same tradeline was reinserted without my knowledge or consent. 

The misleading response to my previous CFPB complaint has compounded the harm and confusion, blocking my ability to protect my credit rights as a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation