Consumer complaint received 2025-09-17 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2025 Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute & Demand for Permanent Deletion of Fraudulent XXXX Account To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of the following fraudulent account that continues to reappear on my Experian credit report despite repeated disputes and confirmations of fraud : XXXX XXXX Acct. No. : XXXX Balance : {$13000.00} On XX/XX/2025, XXXX fraudulent accountsa fraudulent XXXX XXXX and another XXXX XXXX accountwere deleted from my Experian report after review of my FTC Identity Theft Affidavit and ID Theft Police Report. However, despite those same documents being deemed sufficient to delete those XXXX fraudulent accounts, I was told by XXXX, a representative in XXXX XXXX XXXX Department, that those same documents were somehow not sufficient enough to remove the XXXX XXXX account listed above. 
When I pressed for clarification, XXXX was unable to provide any reasonable explanation as to why the same documentation was sufficient for XXXX fraudulent accounts, but not for this one. She did confirm that this XXXX XXXX account has been deleted before, was supposed to be permanently blocked, and has been reappearing repeatedly every other week. This inconsistency and refusal to act demonstrate clear noncompliance with federal consumer protection laws. 
Experians handling of this matter violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and FACTA, including but not limited to : FCRA 1681i ( a ) ( 1 ) : Requires a reasonable reinvestigation of disputed information. Refusing to act despite prior fraud confirmation and proper documentation is unreasonable and unlawful.

FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted information may not be reinserted unless the furnisher certifies accuracy and the CRA notifies the consumer within five business days. This account has been reinserted multiple times with no notice provided.

FCRA 1681e ( b ) : Requires Experian to maintain the maximum possible accuracy of consumer files. Allowing fraudulent tradelines to reappear violates this duty.

FACTA 1681c-2 : Identity theft victims have the right to block fraudulent information once proper documentation is submitted. My FTC affidavit and police report meet these requirements and have already been used successfully to delete other fraudulent accounts.

Further, the fact that a Supervisor in Experians Special Handling Department openly admitted a lack of understanding of FCRA and FACTA consumer protections is deeply troubling. This lack of knowledge and accountability within a department specifically tasked with handling fraud disputes demonstrates a systemic failure that directly harms consumers.

I am also providing proof that my personal information was compromised in multiple breaches, including the XXXX  data breach, XXXX data breach, and the National Public Data Breach, making me a repeated victim of identity theft. 
Accordingly, I am demanding : The immediate and permanent deletion of the fraudulent XXXX XXXX account ( Acct. No. XXXX Balance : {$13000.00} ). 
Written confirmation that this account has been blocked under FACTA 1681c-2 and can not be reinserted. 
An internal review of Experians Special Handling Department and training of staff, as this case demonstrates a serious lack of compliance with federal law. 
If Experian fails to comply, I will escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement. 
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