Consumer complaint received 2021-07-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern. 
I am a victim of identity theft and I have recently found another account that has been fraudulently added to my credit report. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$320.00} to XXXX XXXX XXXX 
This account is not mine. In fact, Experian recently completed an investigation on this same amount that XXXX XXXX XXXX is claiming that I owe. The investigation results were completed on XXXX and updated on my case with the Consumer Financial Protection Bureau under case ID XXXX. 
Experians exact reply to my per CFPB XXXX ID XXXX Per your request to conduct a reinvestigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The disputed account has been removed from your credit report. 
Additionally, XXXX  and XXXX  completed an investigation as well and had the account deleted and removed from my credit report as well. 
Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for this illegal account. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX has created several fraudulent accounts over the years ( scroll to page XXXX ) FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX 
Police Report with XXXX County Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. 
Experian Deletion notice from Consumer Financial Protection Bureau XXXX XXXX ID XXXX XXXX  Deletion notice from Consumer Financial Protection Bureau XXXX XXXX ID XXXX XXXX  Deletion notice from my credit report with confirmation # XXXX Please have this account removed immediately from my credit report. 
Because as I mentioned this item has been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section XXXX XXXX a ) ( XXXX ) ( B ) ( ii XXXX, you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material XXXX ii XXXX Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX 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 non-monetary relief