Consumer complaint received 2025-06-07 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:
My name is XXXX XXXX, and I am a victim of identity theft that has directly impacted my Experian credit report through the fraudulent opening and reporting of XXXX or more unauthorized accounts. I am submitting this sworn statement to document the facts of the fraud, assert my rights under federal law, and request the permanent blocking and removal of all inaccurate and unauthorized information associated with this theft. 
Over the past several months, I have observed serious inconsistencies and erroneous data appear on my credit profile, most notably involving an account with XXXX XXXX XXXX  ( account number : XXXX ). This account was never authorized, initiated, or managed by me. I have never applied for or opened any credit line or financial product with XXXX XXXX XXXX XXXX nor did I give permission for anyone else to do so on my behalf. The presence of this account on my Experian credit file is the result of identity theft and misreporting. 
Upon first discovering this account, I followed proper legal channels and submitted a dispute to Experian under the Fair Credit Reporting Act ( FCRA ). The account was initially removed after Experians investigation, acknowledging its unverifiable or inaccurate nature. However, the same account was later reinserted into my file without the required notification or documentation. 
This reinsertion constitutes a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ), which mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days and the reinserting party must certify the accuracy of the data. I received no such notice, and I have not been provided with any verification of the legitimacy of the account from XXXX or Experian. Under FCRA 1681c-2, I have the right to request the blocking of any information resulting from identity theft, provided I submit a valid identity theft report, which I have done. 
To date, I have taken the following steps : - Filed a police report documenting the identity theft and listing XXXX XXXX XXXX as a fraudulent account. 
- Notified Experian in writing and submitted disputes as required under FCRA guidelines. 
- Assembled documentation including my state-issued ID, proof of address, and Social Security card to verify my identity.

- Downloaded and retained a full copy of my Experian credit report to track all related activity and reinsertion.

This identity theft has caused me considerable harm. It has lowered my credit score, triggered unnecessary hard inquiries, raised my debt-to-income ratio, and impacted my ability to qualify for housing and credit on fair terms. It has also created anxiety and placed a burden of time and effort on me to clean up information that I had no part in generating. The FCRA exists to protect consumers like myself from being penalized for crimes committed by others using stolen personal information. 
As a consumer, I assert my right under FCRA 1681g and 1681c-2 to receive a complete copy of all information associated with any fraudulent activity reported on my file. I am also requesting that Experian and the Federal Trade Commission assist me in permanently blocking and removing the following : - The reinserted XXXX XXXX XXXX account - Any connected inquiries or derivative activity related to the fraud - Any associated public records, collections, or adverse actions that stemmed from or were caused by the fraudulent account I understand that under 15 U.S.C. 1681n and 1681o, credit reporting agencies and furnishers of information may be held liable for willful and negligent violations of the FCRA. I am requesting this matter be resolved without delay, in full compliance with federal law. Should further violations occur, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney General of my state, and to pursue legal remedies under applicable consumer protection statutes. 
I affirm that the facts stated above are true to the best of my knowledge, and I request full cooperation from Experian, XXXX XXXX XXXX, and any other entities that may be involved in correcting and resolving this matter. I am a single mother working to rebuild and protect my financial standing, and I will not accept the continued presence of identity theft-based information on my report. 
Please accept this sworn statement and the supporting documents I am submitting as part of my official FTC Identity Theft Report. I trust that this information will be used to investigate and permanently eliminate all traces of fraud associated with my identity. 
Sincerely, XXXX XXXX XXXX : XX/XX/year> 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