Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Formal Complaint Regarding Experian and XXXX XXXX XXXX XXXX XXXX XXXX Account Reinsertion and Failure to Provide Validation To Whom It May Concern, I am submitting this formal complaint regarding Experian and XXXX XXXX XXXX XXXX XXXX for XXXX violations of the Fair Credit Reporting Act ( FCRA ) and for their failure to follow proper dispute procedures over the past several months. 

On XX/XX/year>, an account from XXXX XXXX XXXX XXXX XXXX was reinserted into my credit report by Experian, despite being previously deleted. This reinsertion caused an immediate XXXX drop in my XXXX XXXX. I was never provided with the legally required notice of reinsertion, as outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that the credit bureau must notify the consumer in writing within XXXX business days of re-reporting any previously removed account. 

This situation has been ongoing for nearly XXXX months, with repeated disputes, formal requests for debt validation, and no resolution. I have not received any proof or original signed documentation from XXXX XXXX XXXX XXXX XXXX verifying that this debt is valid or belongs to me. Neither Experian nor XXXX has provided any meaningful response to my inquiries, and no investigation results have been shared. I do not understand how the account can continue to be verified or reinserted without fulfilling these basic legal obligations. 

What concerns me even more is the lack of communication from all parties involved. I have gone through multiple channels, and yet no one is providing me with the documentation or clarity Im entitled to under the law. This feels like a constant loop with XXXX parties ( Experian, XXXX, and their third-party data providers ) passing the responsibility around while leaving me in the dark. As a consumer, this is not only distressing but financially damaging. 

I am kindly requesting that the CFPB intervene in this matter, initiate an investigation, and ensure that : I receive all legally required documentation validating this account The credit bureau complies with FCRA reinsertion notification requirements A thorough and timely investigation is completed Appropriate corrective actions are taken Due to the complexity and persistence of this issue, I would also appreciate a phone call from a CFPB representative to discuss this matter in more detail. I can be reached at ( XXXX ) XXXX or by email at XXXX. 

I am committed to resolving this issue but can no longer tolerate the lack of transparency and disregard for my rights as a consumer. Thank you for your attention to this matter. I look forward to your support in correcting this ongoing situation. 

Sincerely, XXXX XXXX

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