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Their investigation did not fix an error on your report. This is a formal complaint against the credit reporting agencies XXXX and Experian, and the creditor XXXX XXXX, for multiple willful violations of the Fair Credit Reporting Act ( FCRA ). The disputed account ( # XXXX * * ) was previously deleted and has since been reinserted without legally required notification. Furthermore, the information reported is materially inaccurate, inconsistent, and damaging to my personal and financial wellbeing. Legal Violations and Detailed Errors : 1. Illegal Reinsertion Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) : After this account was previously removed from my credit report, it was later reinserted without providing me with written notice within five business days, as required by law. Thi