Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Despite my prior certified disputes and the submission of an FTC Identity Theft Report and a Police Report, Experian has again reinserted the following fraudulent items which continue to damage my credit score and financial reputation. The addition of another fraudulent XXXX XXXX account on or around XX/XX/year>, represents yet another unlawful reinsertion and a willful pattern of FCRA noncompliance. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Addresses : XXXX XXXX XXXXXXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX IL XXXX The reappearance of these items after verified deletion is unlawful and constitutes reinsertion without proper notice, in violation of 611 ( a ) ( 5 ) ( B ). I have provided substantial identity theft documentation, including FTC Identity Theft Report # XXXX and XXXX Police Report # XXXX, as well as prior Experian deletion confirmations dated XX/XX/XXXX and XX/XX/year>. These records demonstrate that the same fraudulent accounts were previously removed but were reinserted without the legally required certification or consumer notice. 
Your continued reporting of these fraudulent items represents multiple violations of the FCRA, including but not limited to : 611 ( a ) ( 5 ) ( B ) Failing to provide written notice within 5 business days of reinsertion. 
611 ( a ) ( 5 ) ( C ) Reinsertion without certification from the furnisher. 
605B ( b ) ( 1 ) ( B ) Failing to block and permanently suppress fraudulent data. 
623 ( a ) ( 6 ) Continuing to furnish information after being notified it resulted from identity theft. 
These repeated violations constitute willful noncompliance and expose Experian to civil liability under 616 and 617 of the FCRA. 
Accordingly, I demand that Experian take the following actions within fifteen ( 15 ) calendar days of the date of this letter : 1. Permanently delete all three fraudulent XXXX XXXX accounts and both fraudulent XXXX addresses listed above. 
2. Provide written certification identifying any furnishers that verified these reinsertions. 
3. Conduct a manual reinvestigation by a qualified compliance agent, not automated processing. 
4. Provide a full disclosure of all communications between Experian and the data furnishers ( XXXX XXXX and any related entities ). 
5. Provide written confirmation that no further reinsertion or reporting of these fraudulent items will occur. 
Failure to comply will result in immediate complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Consumer Protection Division. Legal counsel will also be consulted for civil action under 15 U.S.C. 1681n and 1681o.

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