Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a formal complaint against Experian Information Solutions , Inc. for a pattern of unlawful and repeated reinsertion of the same unverified account tradeline, despite multiple deletions and lack of required notice. 

The account in question ( XXXX XXXX Bank XXXX account ending in XXXX ) has been deleted and reinserted five separate times within the same month. In some cases, the deletion and reinsertion occurred only one day apart. I have attached screenshots from my Experian file showing the exact dates each deletion occurred, followed immediately by reinsertion the next day. 



Violations : 1. Unlawful Reinsertions ( FCRA 611 ( a ) ( 5 ) ( B ) ) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian can not legally reinsert previously deleted information unless : The furnisher certifies that the information is complete and accurate ; and Experian provides me written notice within five ( 5 ) business days of the reinsertion.

I never received any written notice or certification from the furnisher for any of these five reinsertions. Reintroducing an account after it was deleted as unverified is an ongoing violation of federal law.

2. Failure to Prevent Reappearance of Deleted Information ( FCRA 611 ( a ) ( 5 ) ( C ) ) : Experian is required to maintain reasonable procedures designed to prevent the reappearance of deleted data. Reinsertions on five separate occasions show clear procedural failure and reckless disregard for compliance.

3. Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : The tradeline shows 30-day and 60-day delinquencies even though the account was paid and closed in XX/XX/XXXX. Reporting delinquencies after closure is inaccurate and misleading.

4. Furnishing Unverified Information ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Experian continues to publish data that has already been deemed unverified, effectively circulating false credit information. 



Attached Evidence : I have included screenshots from my Experian report showing the repeated deletion and reinsertion cycle, occurring as close as one day apart, and dated records showing five separate deletion/reinsertion events.

Harm and Emotional Distress : This pattern of deleting and reinserting the same account has caused severe harm to my credit standing and mental health. Each reinsertion triggers a new derogatory entry that damages my credit score and forces me to re-dispute the same issue repeatedly. 

This constant cycle has created significant emotional distress, XXXX, and reputational harm. Courts have recognized such harm as actionable under the FCRA see Younger v. Experian Info. Sols., No. 2:20-cv-08810 ( C.D. Cal. 2021 ), Taylor v. Experian Info. Sols., No. 3:19-cv-01447 ( N.D. Tex. 2020 ), and Drew v. Equifax Info. Servs., 690 F.3d 1100 ( 9th Cir. 2012 ), where consumers suffered emotional distress and credit damage due to reinsertion and inaccurate reporting practices.

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