Consumer complaint received 2021-04-07
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:
This is in regards to account number XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX and account number XXXX with XXXX XXXX XXXX claiming I owe {$480.00} to XXXX XXXX. To Whom It XXXX Concern. I am a victim of identity theft and I have recently found several accounts that have been fraudulently added to my credit report. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$480.00} to XXXX XXXX. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$470.00} to XXXX XXXX. 
None of these accounts are mine. In fact, XXXX completed an investigation with each of these fraudulent accounts in the past and had them immediately removed from my credit report. 
Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for these illegal accounts. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX and XXXX XXXX XXXX have created fraudulent accounts. 
FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. 
FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX. 
Police Report with XXXX XXXX Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. 
Please have these accounts removed immediately from my credit report. 
Because as I mentioned these items have been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) 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 5 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 Cc : 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