Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
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:
Problem with a credit reporting company 's investigation into an existing problem On or around XX/XX/2023 I received alert about an account called XXXX XXXX from XXXX XXXX. I filed police report and identity theft report with ftc.gov I mailed the documentation along with a request to block the fraudulent account to Experian, XXXX, XXXX with proof of my identity. 

Around XX/XX/2023 & XX/XX/2023 the fraudulent XXXX XXXX account information was DELETED from all three credit bureaus But on XX/XX/2023 it was reinserted in my file I spoke with representative from Experian who told me they can not remove the account AGAIN that I can not dispute it no more despite them already investigating and deleting the fraudulent account. 

n accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
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 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

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