Consumer complaint received 2025-03-29 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: OH

Complaint narrative:
Experians reckless and illegal actions have caused devastating financial harm, severely impacting my ability to access credit, secure housing, and maintain financial stability. Despite my documented identity theft claim and the previous removal of the fraudulent XXXX XXXX XXXX XXXX XXXX account, Experian unlawfully reinserted this account on XX/XX/year>2025, without required notification or certification, in direct violation of the Fair Credit Reporting Act ( FCRA ). This reckless reinsertion resulted in an immediate XXXX drop in my credit score, subjecting me to denied credit applications, increased loan interest rates, and even the loss of a job opportunity. 

Experians failure to follow federal consumer protection laws has not only damaged my financial reputation but has also inflicted severe emotional distress and undue hardship. This blatant disregard for FCRA and the Fair Debt Collection Practices Act ( FDCPA ) is unacceptable, and I demand immediate corrective action. 

Timeline of Experians Unlawful Reinsertion & Harm Caused XX/XX/year>2025 I filed a formal dispute with Experian and other credit bureaus regarding the fraudulent XXXX XXXX XXXX account, providing an official Identity Theft Report, police report, and FTC Affidavit as required under FCRA 605B ( 15 U.S.C. 1681c-2 ). 

XX/XX/scrub> 2025 XXXXXXXX and XXXX confirmed removal of the fraudulent account after investigation. 

XX/XX/scrub> 2025 Experian illegally reinserted the fraudulent XXXX XXXX XXXX account onto my credit report without the required certification or written notice, violating FCRA 1681i ( a ) ( 5 ) ( B ). 

XX/XX/year> My credit score plummeted by XXXX points, triggering immediate financial harm. 

This is my third formal complaint regarding Experians unlawful reinsertion of the fraudulent XXXX XXXX XXXX XXXX account after it was permanently blocked and removed. 

The account was initially deleted due to identity theft and properly blocked under FCRA 605B. 

Despite this, Experian reinserted the account on XX/XX/year>2025, violating federal law. 

After my formal dispute, Experian removed it againonly to reinsert it a second time on XX/XX/year>2025. 

Each reinsertion has severely damaged my credit score, resulting in a total XXXX drop and significant financial penalties. This repeated violation of my consumer rights is a willful breach of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XX/XX/year>2025 - Present As a direct result of Experians unlawful actions : My credit card applications were denied, forcing me to rely on high-interest alternatives. 

My mortgage pre-approval was revoked, jeopardizing my ability to purchase a home. 

My auto loan interest rate increased significantly, costing me thousands over time. 

A job offer was rescinded after my employer flagged my suddenly damaged credit report. 

I have suffered emotional distress, financial instability, and undue hardship as a direct result of Experians violations. 

Experians Violations & Unlawful Actions Illegal Reinsertion of a Fraudulent Account Experian unlawfully reinserted the fraudulent XXXX XXXX XXXX account without meeting strict reinsertion requirements under FCRA 1681i ( a ) ( 5 ) ( B ).

Experian failed to notify me in writing within five ( 5 ) business days, violating federal law. 

Failure to Block Fraudulent Information Under FCRA 605B Despite my submission of an official Identity Theft Report, police report, and FTC Affidavit, Experian refused to block the fraudulent account as required under FCRA 15 U.S.C. 1681c-2. 

This refusal is an egregious violation of consumer protection laws and a direct failure to protect victims of identity theft. 

Failure to Ensure Accuracy & Justify Reinsertion Experians response states that XXXX XXXX XXXX " verified '' the account, yet they failed to provide any legal or verifiable documentation proving its legitimacy. 

Under FCRA 1681s-2, a creditor can not verify a fraudulent account based on false, incomplete, or unverifiable records. 

Demand for Immediate and Permanent Resolution Permanent Deletion of the XXXX XXXX XXXX Account The fraudulent account must be immediately removed from my credit report under FCRA 605B. 

Written Confirmation of Deletion I demand formal documentation confirming the permanent removal of this account. 

Cease Reporting & Collection Efforts Experian and XXXX XXXX XXXX must immediately stop all reporting and collection efforts related to this fraudulent account. 

Restoration of My Credit Score Experian must immediately correct my credit score, reversing the unlawful XXXX drop. 

Full Compliance with Federal Consumer Protection Laws If Experian does not fully resolve this issue within four ( 4 ) business days, I will : File formal complaints with the CFPB, FTC, and my State Attorney General. 

Pursue legal action for willful FCRA violations, which carry statutory damages of up to {$1000.00} per violation, plus punitive damages. 

Experian recklessly accepted fraudulent documents to justify the illegal reinsertion of the XXXX XXXX XXXX account. Despite having : A valid Identity Theft Report A notarized FTC Identity Theft Affidavit A police report confirming identity theft A prior deletion notice proving the account was removed A copy of my photo ID, Social Security card, and official banking statements proving my identity Experian recklessly accepted fraudulent and unverifiable documents to justify the illegal reinsertion, violating : FCRA 1681i ( a ) ( 5 ) ( B ) Failure to Notify Consumer of Reinsertion FCRA 1681c-2 Failure to Block Identity Theft Accounts FCRA 1681s-2 Use of Inaccurate & Unverifiable Data Experian ignored these legitimate documents and instead relied on fraudulent, unverifiable records to reinsert the account, violating FCRA 1681i ( a ) ( 5 ) ( B ) by failing to notify me within five ( 5 ) business days. This is clear negligence and willful misconduct. 

Experians failure to adhere to federal law has caused significant financial and personal hardship. This is final notice before I escalate this matter through legal and regulatory channels. I demand immediate compliance with consumer protection laws and full corrective action.

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