Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
Subject : URGENT DEMAND : IMMEDIATE AND PERMANENT DELETION OF ILLEGALLY REINSERTED WEBBANK/FINGERHUT ACCOUNT, THIRD VIOLATION OF FCRA, NOW EXPIRED BEYOND 10 YEARS! 

I am OUTRAGED and DEMANDING the IMMEDIATE and PERMANENT deletion of the XXXX account XXXX Account Number : XXXX ) from my credit report THIS IS THE THIRD ILLEGAL REINSERTION and a CATASTROPHIC VIOLATION of the Fair Credit Reporting Act ( FCRA )! Opened in XX/XX/XXXX, this account is OVER XXXX XXXX XXXX, far exceeding the XXXX reporting limit under 15 U.S.C. 1681c ( a ) ( 4 ), yet you INSOLENTLY reinsert it again! This is a DISGRACE, and I will not tolerate this ABUSE any longer, ACT NOW!

Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you MUST notify me in writing within XXXX business days of reinsertion, including the data furnishers name and accuracy certification. I HAVE RECEIVED NO NOTIFICATION, NOT ONCE, NOT TWICE, BUT XXXX TIMES, proving your BLATANT DISREGARD for federal law! This account, tied to a PACKAGE STOLEN IN XX/XX/XXXX that I NEVER RECEIVED, was DELETED multiple times, yet you DARE reinsert it a third time! Settled with XXXX XXXX on XX/XX/XXXX ( see their letter, XX/XX/XXXX ), this fraudulent account is a SCAM you keep forcing on my report! 

This accounts delinquency began in XXXX, making it XXXX after XX/XX/XXXX under FCRA 15 U.S.C. 1681c ( a ) ( 4 ), which limits reporting of charge-offs to 7 years. Its persistence for OVER 10 YEARS is ILLEGAL and DEVASTATING to my credit! Ive reported this theft to XXXX XXXX ( Report # XXXX ) and FTC, disputed it since XXXX, and youve deleted it twice, yet your RECKLESS REINSERTION is UNFORGIVABLE! 

Legal Violations, Youre Breaking Multiple Laws!

Failure to Provide Required Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Notify the consumer in writing within XXXX business days-YOUVE FAILED THREE TIMES! NO NOTICE, NO EXCUSE! 

Violation of Accuracy & Reinvestigation ( 15 U.S.C. 1681i ( a ) ) DELETE unverifiable, inaccurate information! This expired, fraudulent account has NO PLACE on my report!

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) Your REPEATED ERRORS show GROSS NEGLIGENCE-THIS IS INTENTIONAL MISCONDUCT!

Expiration of Reporting Period ( 15 U.S.C. 1681c ( a ) ( 4 ) ) Charge-offs over XXXX XXXX XXXX ( since XXXX ) MUST NOT BE REPORTED-YOURE 3 YEARS PAST THE LIMIT!

Identity Theft Blocking ( 15 U.S.C. 1681c-2 ) As an identity theft victim, I DEMAND PERMANENT BLOCKING-your inaction is COMPLICITY in FRAUD! 

PERMANENTLY DELETE the XXXX account XXXX XXXX ) from my credit report NO MORE REINSERTIONS, EVER! 

BLOCK THIS ACCOUNT FOREVER under FCRA 15 U.S.C. 1681c-2 due to identity theft and expiration.

This is your FINAL CHANCE. Respond in WRITING by XX/XX/XXXX, or face the FULL FORCE OF THE LAW!

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