Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I am a victim of aggravated identity theft. I previously filed XXXX complaints with the CFPB regarding a fraudulent XXXX XXXX XXXX account that continues to appear on my credit reports, despite being removed multiple times. My previous complaints are : # XXXX ( Filed XX/XX/year> ) # XXXX ( Filed XX/XX/year> ) As of XX/XX/year>, Experian has reinserted the XXXX XXXX  account again, making this at least the third or fourth time it has been re-added to my report after being removed on : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> This pattern of reinsertion without explanation or written notice is a clear violation of the Fair Credit Reporting Act ( FCRA ). 



Federal Law Violations : 1. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c2 ( a ) ) I submitted a complete Identity Theft packet, including : A valid FTC Identity Theft Report A copy of my drivers license A utility bill Under 15 U.S.C. 1681c2 ( a ), Experian is legally required to : Block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : ( 1 ) proof of the identity of the consumer ; ( 2 ) a copy of the identity theft report ; and ( 3 ) the identification of such information by the consumer.

Experian failed to do this.

2. Illegal Reinsertion Without Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Experian reinserted this deleted item multiple times without sending me written notice within 5 business days, as required by law : If any information is deleted from a consumers file and is subsequently reinserted in the file, the consumer reporting agency shall promptly notify the consumer, in writing, that the information has been reinserted not later than 5 business days after the reinsertion. I received no such notice for any of the multiple reinsertions of this fraudulent account.

3. Deletion of Legitimate XXXX XXXXXXXX Account In addition, Experian wrongly deleted my valid XXXX XXXXXXXX credit card, which was not part of my identity theft report, resulting in that creditor closing my account. This has caused significant damage to my credit profile. 



DEMAND : I am demanding that Experian : Immediately and permanently block the fraudulent XXXX account under 1681c2 ( a ) Cease all future reinsertions Acknowledge all FCRA violations Assist in the correction or restoration of my XXXX XXXX account If this matter is not resolved by XX/XX/year>, I will pursue legal action under : 15 U.S.C. 1681n ( willful noncompliance ) 15 U.S.C. 1681o ( negligent noncompliance ) I have documented every violation, and this situation has caused repeated emotional distress and financial loss. This is my final attempt to resolve this administratively before pursuing legal remedies. 
Deletion of a Legitimate XXXX XXXX  Account No Acknowledgment or Correction While Experian was supposedly investigating my identity theft claim, they erroneously deleted a legitimate, open, and positive XXXX XXXXXXXX credit card account that was never included in my dispute or FTC report. I never disputed this account, and it had years of positive history. 

As a result of Experians error, XXXX XXXX closed the account, believing it to be fraudulent. I have repeatedly contacted Experian, and they have refused to acknowledge their mistake or accept responsibility for this wrongful deletion. 

They have also not offered any resolution, refused to restore the account history, and left me to deal with the financial damage and XXXX XXXX loss caused by their internal mistake. 



DEMAND : I am demanding that Experian : Immediately and permanently block the fraudulent XXXX account under 15 U.S.C. 1681c2 ( a ) Cease all future reinsertions Acknowledge and take accountability for deleting my valid XXXX XXXXXXXX account during the identity theft investigation Assist in correcting the XXXX XXXXXXXX account status, or coordinate directly with the creditor to reinstate the reporting Acknowledge all applicable FCRA violations, and provide written confirmation of actions taken If this matter is not resolved by XX/XX/year>, I will pursue legal action under : 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance I have carefully documented these repeated violations, and this situation has caused ongoing emotional distress and financial hardship. 

This is my final attempt to resolve this through CFPB before pursuing legal remedies. 

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