Consumer complaint received 2025-04-13 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:
This is my fourth formal complaint regarding the same fraudulent XXXX XXXX XXXX account ( ending in XXXX ), which was illegally reinserted by Experian a fourth time on XX/XX/XXXX, XXXX being previously removed and blocked due to identity theft, in full compliance with the FCRA.

Pursuant to FCRA 605B [ 15 U.S.C. 1681c-2 ], once a consumer submits proof of identity theftincluding a valid Identity Theft Report, government-issued identification, and a written request for removalthe consumer reporting agency ( CRA ) must block and remove the information from the credit file within four ( 4 ) business days.

The account was first deleted following submission o
f an Identity Theft Report, police report, FTC affidavit, and a written statement of dispute. Despite proper and legal documentation, Experian continues to violate FCRA 605B and 1681i ( a ) ( 5 ) ( B ) by allowing this fraudulent account to be re-reported. 

The third reinsertion occurred XX/XX/year>, and now again on XX/XX/year>, with no notice provided within XXXX business days as required by law. Each time the account is reinserted, Experian has failed to meet the legal certification requirement for reinsertion and accepted fraudulent documentation from XXXX XXXX XXXX, whose original claim was fraudulent and never verified with supporting legal documentation. 

Most recently, as a result of the XX/XX/XXXX reinsertion, my XXXX XXXX dropped XXXX points, causing direct financial harmincluding loss of pre-approved credit offers, halted business financing, and severe reputational damage. Additionally, no XXXX form or legitimate charge-off documentation has ever been provided, yet the charge-off is reported as incomeposing a separate legal issue. 

Despite multiple disputes and document submissions, Experian refuses to comply with federal law and has illegally reinserted this fraudulent account four separate times.

I am demanding : Immediate and permanent deletion of the XXXX XXXX XXXX account from all credit reporting databases. 

Written confirmation of deletion.

Monetary restitution under FCRA for willful noncompliance and repeated violations.

Full investigation into Experians practices and acceptance of fraudulent verification materials.

If this issue is not resolved within four ( 4 ) business days, I will escalate to the FTC, State Attorney General, and seek statutory damages of {$1000.00} per violation, plus punitive damages as allowed under the FCRA. 

All supporting documentsgovernment-issued photo ID, Social Security card , bank statements, Identity Theft Report, FTC affidavit , and official dispute lettersare attached to this complaint. 

This has caused undue emotional distress and financial injury, and I am demanding full accountability and compliance with federal consumer protection laws.

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