Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Identity Theft ( 15 U.S.C. 1681c-2 ) and Illegal Reinsertion ( FCRA 611 ( b ) ) To Whom It May Concern, I am writing to file a formal complaint and demand immediate corrective action for two serious violations of the Fair Credit Reporting Act ( FCRA ) : 1 ) Failure to Permanently Block Fraudulent Accounts Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) 2 ) Illegal Reinsertion of Previously Deleted Information Without Notice or Certification ( FCRA 611 ( b ) ) IDENTITY THEFT VIOLATION OF 15 U.S.C. 1681c-2 As a victim of identity theft, I submitted my official FTC Identity Theft Report ( FTC Report Number:XXXX ) and supporting documentation clearly indicating that fraudulent information appeared on my credit file. Under federal law, upon receipt of an identity theft report, the credit reporting agency is required to block the specified information within 4 business days.

This legal obligation has been blatantly ignored. The account in question, which had been previously deleted after investigation, has now been reinserted violating the very protection that the FCRA guarantees for victims of identity theft.

ILLEGAL REINSERTION VIOLATION OF FCRA 611 ( b ) Specifically, the XXXX  XXXX account number XXXX was previously deleted but was reinserted into my credit report without : - Certification of accuracy from the original furnisher ( as required by 611 ( b ) ( 1 ) ) - Any written notice to me within 5 business days of reinsertion ( as required by 611 ( b ) ( 2 ) ) - Additional required disclosures such as the name and address of the furnisher or my right to dispute ( as required by 611 ( b ) ( 3 ) ) This is a clear and willful violation of federal consumer protection law. Reinsertion of previously deleted information without following strict reinvestigation and notice protocols constitutes non-compliance and consumer harm.

DEMAND FOR IMMEDIATE ACTION Due to these violations, I formally demand the permanent deletion and blocking of the reinserted XXXX  XXXX account number XXXX, and any other data derived from identity theft, from my credit report across all three credit bureaus. Furthermore, I request : - Written confirmation of the removal - The name and address of the furnisher who initiated the reinsertion - A formal explanation as to how your agency failed to comply with the FCRA This account must not be reinserted again under any circumstance. Any future reinsertion without full compliance will be documented and pursued through additional regulatory and legal channels.

A copy of this complaint has been submitted to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for review, along with all supporting evidence.

I expect immediate correction and full compliance with the law. 

Sincerely, 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 explanation