Consumer complaint received 2025-07-20 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:
Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Removal of Fraudulent XXXX XXXX Account Illegally Reinserted FCRA Violation Dear Experian Dispute Department, I am writing to demand the immediate and permanent deletion of the following fraudulent account, which has been illegally reinserted into my credit file : Creditor Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card This account had previously been removed following a legitimate identity theft claim that I filed. I was a victim of identity theftmy personal data was exposed in the XXXX  data breach, and fraudulent accounts were created using my stolen information. Despite this, Experian has reinserted this account into my credit report without fulfilling the legal requirements set forth by the Fair Credit Reporting Act ( FCRA ). 

LEGAL REQUIREMENTS FOR REINSERTING PREVIOUSLY DELETED INFORMATION According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) and 1681c-2, the following legal procedures must be followed before any previously deleted account can lawfully be reinserted : XXXX. Certification of Accuracy from the Furnisher Before reinsertion, the credit reporting agency must receive a certification from the furnisher ( in this case, XXXX XXXX ) that the information is complete and accurate. This step ensures the data has been re-verified. 

I demand a copy of this certification. If no such certification was received, reinsertion was unlawful and the account deleted from my credit report. 

XXXX. Advance Written Notice to the Consumer Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), Experian is legally obligated to notify the consumer in writing within XXXX business days of reinserting the information. This notice must include : The fact that the information was reinserted ; The name, address, and phone number of the furnisher who provided the information. 

I was not given any such notice. Failure to provide this required notice makes the reinsertion invalid and thus this account must be deleted from my credit report. 

XXXX. Procedures When Information Was Blocked Due to Identity Theft ( 15 U.S.C. 1681c-2 ( c ) ) Because this account was removed based on a prior identity theft claim, the law places additional burdens on reinsertion : The credit bureau must not reinsert any information that was blocked as the result of identity theft unless : The furnisher certifies in writing that the information is not fraudulent, and The credit bureau notifies the consumer in writing before any reinsertion occurs, including an explanation and opportunity to dispute. 

No such certification or notice was provided. Reinsertion in this context is explicitly prohibited by law unless these steps are followed. 

FCRA VIOLATION BY EXPERIAN By failing to follow the above procedures, Experian has committed a direct violation of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion Procedures ) 15 U.S.C. 1681c-2 ( Identity Theft Protections ) 15 U.S.C. 1681i ( a ) ( 6 ) ( Failure to Provide Investigation Results ) 15 U.S.C. 1681n and 1681o ( Liability for Willful or Negligent Noncompliance ) DEMANDS I hereby demand that you : Immediately and permanently delete the reinserted XXXX XXXX account ( XXXX ) from my credit report. 

Provide a written explanation of : Why the account was reinserted ; The date it was reinserted ; The identity of the furnisher who submitted the data ; A copy of the furnishers certification of accuracy and verification of non-fraudulence ; CONSEQUENCES FOR NON-COMPLIANCE If Experian fails to comply with this legal request within XXXX XXXX I will file formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Additionally, I may pursue civil legal action for damages as allowed under 15 U.S.C. 1681n and 1681o, including : Statutory damages ( up to {$1000.00} per violation ), Actual damages ( including credit harm, interest rate increases, loan denials ), Attorney 's fees and court costs, Punitive damages, if the violation is found to be willful. 

This matter is serious and urgent. Please respond within the legally required timeframe. 

Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Government-issued ID Proof of Address

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