Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : DEMAND FOR PERMANENT REMOVAL OF FRAUDULENTLY REINSERTED ACCOUNTS FCRA VIOLATIONS Dear Experian Disputes Department, I am writing to formally demand the permanent removal of the following fraudulent accounts, which were previously deleted but unlawfully reinserted into my credit report without proper notification. This directly violates FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], which requires you to notify me in writing within five business days and obtain proper certification before reinserting previously deleted information. Since you failed to do so, these accounts must be immediately and permanently removed. 



Disputed Items Unlawful Reinsertion 1. Account Name : XXXXXXXX XXXX ( Auto Loan, {$18000.00} balance ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. 

Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. 

2. Account Name : XXXX XXXX XXXX ( Credit Card, {$16000.00} Balance ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. 

Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. 

3. Account Name : XXXX - XXXX ( Credit Card ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. 

Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. 

4. Account Name : XXXX XXXXXXXX ( Credit Card ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. 

Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. 

5. Account Name : XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Reason for Dispute : This account was opened fraudulently as a result of identity theft. I never authorized this creditor to access my consumer report, violating FCRA 604 [ 15 U.S.C. 1681b ]. 

Requested Action : In accordance with FCRA 15 USC 1681 605B [ 15 U.S.C. 1681c-2 ], I request that this account be permanently blocked from my credit report. Furthermore, I request that this unauthorized inquiry and any associated account be removed from my credit report immediately. 



Applicable FCRA Violations 1. FCRA 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ] Prohibition on Reinsertion 2. FCRA 605B [ 15 U.S.C. 1681c-2 ] Blocking of Identity Theft Information 3. FCRA 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] Duty to Prevent Reporting of Inaccurate Information 4. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Obligation to Ensure Maximum Possible Accuracy 5. FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] Consumers Right to Documentation 6. FCRA 616 & 617 [ 15 U.S.C. 1681n, 1681o ] Civil Liability for Noncompliance Required Action Permanently delete the accounts listed above from my credit report. 

Block any future reinsertion of these accounts. 

Provide me with written confirmation that these accounts have been removed and will not be reinserted. 

Provide documentation proving any verification process that led to reinsertion. 



Failure to comply will result in formal legal action, including complaints to the CFPB, FTC, and my states Attorney Generals Office. You are required by law to respond within 30 days. 



This letter serves as official legal notice. Consider this your final opportunity to correct these violations before I escalate this matter further. 



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