Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Demand for Documentation and Legal Basis for Potential Reinsertion of Previously Blocked Information Under FCRA, FACTA, and 12 CFR 1022.43 To Experian Fraud Victim Assistance Department, I am writing in regard to your recent notice or action suggesting that you may reconsider the blocked status of one or more items previously removed from my credit file due to identity theft. This letter serves as a formal demand for documentation and legal justification for any such action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ).

As you are aware, under 15 U.S.C. 1681c-2 ( a ) ( Section 605B of the FCRA ), a consumer reporting agency is required to permanently block information that the consumer identifies as resulting from identity theft within four business days of receiving : Proof of identity, A copy of an identity theft report ( police report or FTC affidavit XXXX, Identification of the fraudulent information, and A statement from the consumer that the item is not related to any transaction initiated by them. 

The FCRA is explicit in limiting the conditions under which such blocked information can be reinserted. Pursuant to 15 U.S.C. 1681c-2 ( c ), and reinforced by 12 CFR 1022.43 ( e ) of the Consumer Financial Protection Bureau 's regulations, a reinsertion may only occur if : 1. The block was based on a material misrepresentation of fact by the consumer, 2.The consumer agrees in writing that the blocked information was submitted in error, or 3. The consumer knowingly obtained goods, services, or money through the alleged fraudulent transaction. 
In accordance with the above statutes and regulations, I hereby formally request the following : 1. A complete copy of all documentation that led to my determination to reconsider the block, including any information suggesting misrepresentation, error, or benefit obtained by me.

All records, agreements, or communications allegedly signed by me that you claim constitute a written admission or agreement that the block was made in error.

The names, addresses, and contact information of the furnishers or third parties who submitted the additional information that you claim supports potential reinsertion.

A copy of the required written notice that must be sent to me within five business days of any reinsertion, per 15 U.S.C. 1681c-2 ( c ) ( 2 ).

Let me be clear : Any reinsertion of blocked information without full compliance with the FCRA and its implementing regulations will constitute a violation of federal law.

This includes failure to : 1. Provide documented and verified evidence meeting the statutory thresholds ; 2. Provide proper written notice to me as required under the law ; 3. Maintain strict adherence to the reinsertion procedures defined under federal regulations.

This letter serves as a formal record of my dispute and request under the FCRA. Please retain this letter in my records for any future audit, investigation, or legal proceeding. If you proceed to reinsert any blocked information without full legal justification, I will not hesitate to : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), 2. Report this matter to the Federal Trade Commission ( FTC ), 3. Seek damages through legal action for willful noncompliance under 15 U.S.C. 1681n, or Pursue actual and punitive damages under 15 U.S.C. 1681o for negligent noncompliance.

I expect a full and complete response within the timeframe prescribed by federal law, and no reinsertion should occur until and unless the conditions under FCRA Section 605B are unequivocally met and documented. 

Sincerely, XXXX XXXX XXXX of Fraudulently Activity Through Identity TheftLast XXXX Digits of XXXX : XXXX of 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