Consumer complaint received 2025-09-21 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: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Via Certified Mail, Return Receipt Requested Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) FINAL NOTICE OF INTENT TO SUE FOR FRAUDULENT REPORTING To Whom It May Concern : This letter serves as my final warning of intent to pursue legal action against Experian Information Solutions , Inc. ( Experian ) for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the fraudulent and unlawful reinsertion of a XXXX credit card account on my credit file. 

Background On XX/XX/XXXX, Experian reported a XXXX credit card account on my credit file. 


On XX/XX/XXXX, following my dispute through the CFPB against XXXX, the account was removed from my credit report. ( See enclosed CFPB complaint and supporting documentation. ) On XX/XX/XXXX, the same XXXX account was reinserted into my credit file by Experian. This reinsertion occurred without the required written notice to me within five ( 5 ) business days and without providing me the certifying documents used to justify its reinsertion.

To this day59 days since the reinsertionI have received no proper notice, no certifying documentation, and no justification from Experian regarding this reinsertion. 



Violations of Law Unlawful Reinsertion Without Notification Under FCRA 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if information is deleted as a result of a dispute, a credit reporting agency may not reinsert the information unless the furnisher certifies its accuracy.

The law further requires that the consumer be notified in writing within 5 business days of reinsertion and provided with the name, address, and telephone number of the furnisher. 


The FTC has expressly mandated that if a credit bureau fails to notify the consumer within the required timeframe or fails to provide the certifying documents, the disputed information must be permanently deleted from the consumers credit file. ( See FTC, 40 Years of Experience with the Fair Credit Reporting Act : An FTC Staff Report with Summary of Interpretations, XX/XX/XXXXXXXX XXXX XXXX XXXX 


Failure to Block Fraudulent Information After Receiving Police Report Under FCRA 605B, 15 U.S.C. 1681c-2, a credit reporting agency is required to block fraudulent information within 4 business days upon receipt of an identity theft report ( including police reports ). 


If Experian refuses to block the account, the law requires written notice to the consumer explaining the reason for refusal. 


Despite my submission of police reports proving that this account is fraudulent, Experian has neither blocked the account nor provided me written justification for its refusal. 


Failure to Ensure Maximum Possible Accuracy Under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. 


The XXXX account reinserted by Experian is not reporting accurately. It falsely reflects : Late payments in XXXX and XX/XX/XXXX, Payments allegedly made between XXXX XXXX, despite my ongoing fraud dispute, and An account closure in XX/XX/XXXX. Why would I make payments on an account that I am disputing as being fraudulent? I have attached a copy of the complaint that I had filed with XXXX concerning this account. Kindly see file attached. 


These inconsistencies prove Experian has failed in its statutory duty to maintain accuracy. 


Failure to Act After Furnisher Admission of Fraud In a response filed with the CFPB, XXXX acknowledged that I may have been a victim of fraud concerning this account and this information was conveyed to Experian and I have attached a copy of that response that was sent to Experian via the CFPB portal. Kindly see files attached.. Despite this, Experian has refused to delete the account permanently. I have also attached copies of the various credit reports to prove my point. 


This willful neglect violates FCRA 611 ( a ) ( failure to reasonably reinvestigate disputed information ). 



Penalties for Non-Compliance Under the FCRA, Experians actions constitute willful and negligent violations of federal law : Willful Violations ( 616, 15 U.S.C. 1681n ) : Subject to actual damages, statutory damages ranging from {$100.00} to {$1000.00} per violation, punitive damages, and attorneys fees.

Negligent Violations ( 617, 15 U.S.C. 1681o ) : Subject to actual damages and attorneys fees. 


Given the continued unlawful reporting, failure to block fraudulent data, failure to notify, and failure to maintain accuracy, Experian is liable for significant damages. 

Demand for Immediate Resolution Accordingly, I demand that Experian : Permanently delete the XXXX account from my credit report, pursuant to FCRA 611 ( a ) ( 5 ) ( B ) and FTC published guidance. 


Provide me with written confirmation that the account has been permanently deleted. 


Provide a written explanation for Experians failure to comply with the notification and police report requirements under 605B.

Confirm in writing that no further reinsertion of this fraudulent account will occur without full legal compliance.

Notice of Intent to Sue If Experian does not fully comply with the above demands within 15 calendar days of receipt of this letter, I will file a civil lawsuit in federal court seeking : Statutory, actual, and punitive damages, Costs and attorneys fees, Any additional relief the Court deems appropriate. 


This letter, along with all supporting evidence, has been copied to the CFPB and the FTC as part of my formal record of Experians ongoing violations. 

Sincerely, XXXX XXXX Enclosures : Copy of CFPB Complaint against XXXX Copy of CFPB Response / Admission of Possible Fraud Copies of Police Reports Filed Copies of Credit Reports ( showing XX/XX/XXXX removal and XX/XX/XXXX reinsertion )

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