Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  XXXX XXXX ), XXXX, XXXX, XXXX, and Experian for inaccurate credit reporting, improper reinsertion of deleted information, and failure to reasonably investigate my dispute. 

My XXXX  XXXX credit card ( ending in XXXX ) was closed in XX/XX/XXXX. Earlier records show the account was closed on XX/XX/XXXX, but newer reports show XX/XX/XXXX, without explanation. After closure, XXXX XXXX continued to charge membership fees, interest, and late fees, which were improper post-closure charges. 

I disputed these charges and the negative reporting with the credit bureaus. After my dispute, the late payment and derogatory status were removed, and the account was reporting as current, which resulted in my credit score increasing. 

Later, the late payment and derogatory status were reinserted on my reports. I did not receive any required reinsertion notice from XXXX, XXXX, or Experian. Under the FCRA, deleted information can not be reinserted unless ( XXXX ) the furnisher certifies it as accurate, and ( XXXX ) the bureau sends written notice within XXXX business days. I received no such notice. 

My reports now show the following inaccurate and misleading information : Status : XXXX days late Amount past due : $ 0 Times XX/XX/XXXX late : XXXX Last payment : XX/XX/XXXX Last reported : XX/XX/XXXX Remark : Account previously in dispute now resolved by data furnisher. 
XXXX date changed from XX/XX/XXXX to XX/XX/XXXX Balance : {$2700.00} on a closed account ( XXXX  % utilization ) This reporting is inaccurate and misleading, because the account is closed, has {$0.00} past due, and I have made multiple payments after closure. The bureaus are reporting this as a current delinquency, which is not true. 

This inaccurate reporting has caused significant financial harm : My credit score dropped over XXXX points when the first derogatory was added It dropped again by about XXXX points when the derogatory was reinserted This has affected my ability to obtain credit and has created emotional and financial stress I am requesting CFPB assistance to require XXXX  XXXX, XXXX, XXXX, and Experian to correct all inaccurate reporting, provide all reinvestigation and reinsertion documentation, refund all improper post-closure fees, and restore my credit standing. XXXX XXXX  XXXX XXXX ), XXXX, XXXX, XXXX, and Experian for inaccurate credit reporting, improper reinsertion of deleted information, and failure to reasonably investigate my dispute. 

My XXXX  XXXX credit card ( ending in XXXX ) was closed in XX/XX/XXXX. Earlier records show the account was closed on XX/XX/XXXX, but newer reports show XX/XX/XXXX, without explanation. After closure, XXXX XXXX continued to charge membership fees, interest, and late fees, which were improper post-closure charges. 

I disputed these charges and the negative reporting with the credit bureaus. After my dispute, the late payment and derogatory status were removed, and the account was reporting as current, which resulted in my credit score increasing.

Later, the late payment and derogatory status were reinserted on my reports. I did not receive any required reinsertion notice from Equifax, TransUnion, or Experian. Under the FCRA, deleted information can not be reinserted unless ( XXXX ) the furnisher certifies it as accurate, and ( XXXX ) the bureau sends written notice within XXXX business days. I received no such notice. 

My reports now show the following inaccurate and misleading information : Status : XXXX  days late Amount past due : $ 0 Times XX/XX/XXXX late : XXXX Last payment : XX/XX/XXXX Last reported : XX/XX/XXXX Remark : Account previously in dispute now resolved by data furnisher. 
XXXX date changed from XX/XX/XXXX to XX/XX/XXXX Balance : {$2700.00} on a closed account ( XXXX  % utilization ) This reporting is inaccurate and misleading, because the account is closed, has {$0.00} past due, and I have made multiple payments after closure. The bureaus are reporting this as a current delinquency, which is not true. 

This inaccurate reporting has caused significant financial harm : My credit score dropped over XXXX points when the first derogatory was added It dropped again by about XXXX points when the derogatory was reinserted This has affected my ability to obtain credit and has created emotional and financial stress I am requesting CFPB assistance to require XXXX  XXXX, XXXX, XXXX, and Experian to correct all inaccurate reporting, provide all reinvestigation and reinsertion documentation, refund all improper post-closure fees, and restore my credit standing.

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