Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the re-insertion of fraudulent accounts on my credit report. These accounts were previously removed after I reported them as fraudulent due to identity theft, yet they have been wrongfully reinserted without the legally required notification. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. 

Fraudulent Accounts in XXXX XXXX. XXXX XXXX  Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : Various ( from XX/XX/XXXX to XX/XX/XXXX ) FTC Identity Theft Report Number : XXXX Violations of the Fair Credit Reporting Act ( FCRA ) According to FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if an account is re-inserted into a consumers credit report after being deleted due to a dispute, the credit bureau is legally required to : 1. Notify me in writing within five ( 5 ) business days of the re-insertion. 
2. Provide the source of the information that led to the re-insertion.

3. Ensure that the information is verified and accurate before re-inserting it.

Since I was not notified, this constitutes a direct violation of federal law and infringes upon my rights as a consumer.

Federal Identity Theft Protection Laws Additionally, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), fraudulent use of my personal information is a federal offense. I have already taken steps to secure my identity, including : Filing a fraud alert under the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681c-1 ].

Reporting this fraud to the Federal Trade Commission ( FTC ).

Immediate Corrective Actions Required I demand that the credit bureau take the following actions immediately : 1. Permanently remove the fraudulent accounts from my credit report.

2. Provide written confirmation that these accounts have been deleted and will not be reinserted without legal justification.

3. Disclose the name and contact information of the entity that requested the re-insertion of these fraudulent accounts.

4. Provide documented proof that these accounts are legitimate or acknowledge that they were reinserted in error.

Legal Consequences for Non-Compliance If corrective action is not taken, I will be left with no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Pursue legal action for violations of the FCRA, which allows for statutory damages of up to {$1000.00} per violation, in addition to punitive damages for willful non-compliance. 

This letter serves as formal notice that I expect a response and resolution within 15 days, as required by law.

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