Consumer complaint received 2025-11-22 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:
To : Experian Information Solutions , Inc . 
XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX TransUnion, XXXX XXXX. XXXXXXXX XXXX  XXXX, PA XXXX Subject : Demand for Permanent Deletion Unlawful Reinsertion of Confirmed Fraudulent Account Account in Dispute : XXXX XXXX Acct. No. : XXXXXXXX XXXX Fraudulent Balance : {$6700.00} To Whom It May Concern, I am submitting this formal dispute demanding the immediate and permanent removal of the above-referenced JPCMB Card account, which has been confirmed multiple times as a fraudulent account yet continues to be unlawfully reinserted onto my Experian, Equifax, and TransUnion credit reports. I have never applied for, opened, or authorized this account, and its presence on my file is a direct result of identity theft. 
UNLAWFUL REINSERTION FCRA VIOLATIONS This reinserted account violates multiple federal laws, including : FCRA 611 ( a ) ( 5 ) ( A ) Duty to Delete Unverifiable or Fraudulent Information Once an account is confirmed fraudulent, it must be deleted and kept deleted.

FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Requirements A deleted item can not be reinserted unless the furnisher : Certifies the account is accurate AND The bureau provides written notice within 5 business days of reinsertion.

None of these actions occurred, meaning every reinsertion is unlawful.

FCRA 605B Mandatory Blocking of Identity-Theft-Related Accounts Upon receipt of identity-theft documentation, the bureaus must : Block the fraudulent account within 4 business days Prevent ALL future reinsertion Notify the furnisher that the account can not be reported again Your failure to permanently block this fraudulent JPCMB account violates this section explicitly. 
FCRA 602A & 607 ( b ) Accuracy and Consumer Protection Requirements All bureaus must maintain procedures ensuring maximum possible accuracy, which clearly has not occurred given the repeated reinsertions.

FACTA IDENTITY THEFT PROTECTIONS VIOLATED Under the Fair and Accurate Credit Transactions Act ( FACTA ), you are required to : Block identity-theft-related data immediately Prevent reinsertion of any fraudulent or unverifiable information Implement fraud-response procedures to prevent repeated harm Your continued reinsertion of a known fraudulent account violates FACTAs mandatory identity-theft protections.

MY FORMAL DEMAND Under the full authority of FCRA 611, 605B, 609, and FACTA, I am demanding : Immediate and permanent deletion of the JPCMB Card account ( Acct. No. : XXXXXXXX XXXX XXXX XXXX ). 
Full permanent block preventing future reinsertion. 
A complete 609 ( a ) ( 1 ) ( A ) disclosure, including : All documentation the furnisher allegedly provided All certification received before reinsertion The verification method used Written confirmation once the fraudulent account is fully deleted and blocked.

If this account is not permanently removed, I will escalate to the CFPB, FTC, and my State Attorney General for enforcement and potential civil liability under FCRA XXXX for willful and negligent noncompliance. 
FINAL NOTICE This account is fraudulent, has been confirmed fraudulent, and has been wrongfully reinserted, which violates multiple federal laws. You are required by statute to permanently delete and block it immediately. 
I expect written confirmation within 30 days, as mandated by FCRA. 
Sincerely, 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