Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
Re : Method of Verification Request & Reinsertion Violation XXXX XXXX XXXX ( Acct : XXXX  ) FTC Identity Theft Report # XXXX To Whom It May Concern : On XX/XX/year>, I submitted an FTC Identity Theft Report ( Report # XXXX ) identifying the XXXX XXXX XXXX credit card account XXXX XXXX XXXX XXXX {$1200.00} ) as fraudulent and requesting blocking under FCRA 605B. Experian initially blocked/removed this item. 

On or about XX/XX/year>, I received Experians notice stating that the previously blocked item was reinserted based on additional information, including alleged material misrepresentation. The item has now been placed back on my Experian report. 

This reinsertion violates FCRA 1681i ( a ) ( 5 ) ( B ), which requires Experian to ( 1 ) obtain CERTIFICATION OF ACCURACY from the furnisher before reinsertion and ( 2 ) provide written notice to me within five business days that includes the furnishers name, address, and phone number. Your notice did not include any certification, and the furnisher identification is deficient and misleading, as XXXX had already transferred the account to XXXX XXXX XXXX for collection prior to reinsertion. A certification from the improper party would not satisfy 1681i ( a ) ( 5 ) ( B ) ( i ).

Accordingly, pursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I hereby demand the Method of Verification ( MOV ) for this reinvestigation and reinsertion : 1 ) Identify the name, address, and telephone number of EACH person or entity you contacted to verify this XXXX account. 
2 ) Provide a detailed description of the procedures used in your reinvestigation and in deciding to reinsert the item.

3 ) Produce the actual certification of accuracy you obtained from the furnisher prior to reinsertion, as required by 1681i ( a ) ( 5 ) ( B ) ( i ). 
4 ) Clarify whether you contacted XXXX XXXX XXXX directly or Radius Global Solutions ( XXXX  authorized collection agent at the time ), and provide copies of all correspondence and records. 
5 ) State the specific additional information you relied upon when alleging material misrepresentation, and identify who supplied that information. 

Requested Relief : Immediately DELETE the XXXX XXXX XXXX tradeline pending proper certification from the correct furnisher/agent, or update it to reflect the true status ( identity theft block under 605B ). 
Provide a complete MOV response within 15 days, as required by law. 
Confirm in writing that no negative re-aging or duplicate reporting has occurred as a result of the improper reinsertion. 

Enclosures ( Exhibits ) : A. FTC Identity Theft Report # XXXX ( showing XXXX XXXX XXXX account marked as identity theft ; {$1200.00} ) B. Experian reinsertion email/notice dated XX/XX/year> I reserve all rights and remedies under the FCRA ( including 1681n and 1681o ) for willful or negligent noncompliance. 

Sincerely, XXXX 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