Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
b'Experian Dispute Department\nXXXX XXXX XXXX  TX XXXXn\nSubject: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX), XXXX, AND RELATED FEDERAL LAWS\n\nTo Whom It May Concern,\n\nThis letter serves as my XXXX  and final formal dispute regarding fraudulent, reinserted, and inaccurate data being reported on my Experian credit file. Despite multiple disputes and legal documentation, Experian continues to report fraudulent data, in violation of the Fair Credit Reporting Act (FCRA) and the California XXXX XXXX XXXX XXXX XXXX XXXX).\n\n\n---\n\nXXXX XXXX XXXX XXXX   Account XXXXThis account was previously disputed and removed, then unlawfully reinserted without notification or legal justification. I never authorized this account. I am a victim of identity theft, which I have documented through:\n\nFormal identity theft reports\n\nComplaints filed with the FTC and CFPB\n\nDirect disputes submitted to XXXX XXXX  with no response\n\n\n\n---\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I dispute the accuracy and legitimacy of this Wells Fargo tradeline. Under XXXX XXXX XXXX, Experian must conduct a reasonable reinvestigation and delete unverifiable or inaccurate data within XXXX XXXXays.\n\nFurther, under XXXX XXXX XXXX reinserted information that was previously deleted cannot appear on a consumer report unless:\n\n> The person who furnishes the information certifies that the information is complete and accurate, and the consumer reporting agency notifies the consumer not later than XXXX XXXX XXXX  after the reinsertion.\n\n\n\nExperian has violated this provision. I have not received notice of reinsertion, nor has XXXX XXXX certified the accuracy of this account or provided original account-opening documentation. This makes the reinsertion unlawful.\n\n\n---\n\nCERTIFICATIONS OF ACCURACY & ADDITIONAL INFORMATION:\n\nXXXX XXXX XXXX XXXX XXXXi(a)XXXX(B)(i), Experian was required to:\n\nXXXX. Obtain a certification of accuracy from Wells Fargo before reinserting the removed account;\n\n\nXXXX. Notify me in writing within XXXX business days that the data was being reinserted;\n\n\nXXXX  Disclose the name, address, and telephone number of the furnisher; and\n\n\nXXXX. Provide me with a description of my right to add a statement of dispute.\n\n\n\nExperian failed to comply with every part of this statutory requirement. I now formally request copies of any certifications of accuracy or supporting documents Wells Fargo provided to justify reinserting this item. If none exist, the account must be permanently deleted.\n\n\n---\n\nADDITIONAL ERRONEOUS INFORMATION TO BE DELETED:\n\nFraudulent Names Associated with My File:\n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX\n\n\nThese names are factually inaccurate and not lawful aliases. They must be deleted in accordance with FCRA XXXX(b) (XXXX XXXX XXXX(b)), which requires consumer reporting agencies to maintain maximum possible accuracy.\n\nUnauthorized Inquiries and Phone Numbers:\n\nI have never applied for credit with the institutions responsible for the following inquiries, and no documentation proving authorization exists:\n\nJXXXX XXXX XXXX XXXX XXXX XXXXn\n\nThe following phone numbers are not mine and must be removed:\n\nXXXXn\n\nContinued reporting of this erroneous personal information is a serious violation of federal and state law.\n\n\n---\n\XXXX XXXX XXXX\n\nMy personally identifiable information was compromised during the XXXX XXXX XXXX XXXX XXXX, which contributed to this identity theft. Experians ongoing failure to flag and correct this datadespite industry knowledge of the breach and my formal disputesis legally and ethically unacceptable.\n\n\n---\n\nDEMAND FOR IMMEDIATE LEGAL COMPLIANCE:\n\nPursuant to:\n\nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX(a)  Block of information due to identity theft\n\nXXXX XXXX XXXX(b)  XXXX  duties\n\nXXXX U.S.C.  XXXX   Improper inquiries\n\nXXXX XXXX XXXX   Accuracy of personal identifiers\n\nCalifornia XXXX XXXX XXXX   CFRA removal standards\n\nCalifornia XXXX XXXX  XXXX  Identity theft obligations\n\n\nI demand that you:\n\nXXXX Immediately and permanently delete the XXXX XXXXo account\n\n\nXXXX Remove all reinserted data not supported by proper certification\n\n\nXXXX  Delete all inaccurate names, inquiries, and phone numbers\n\n\nXXXX Provide all certifications of accuracy and reinvestigation results\n\n\nXXXX  Confirm deletions in writing within XXXX days\n\n\n\n\n---\n\nFINAL NOTICE  LEGAL ACTION IMMINENT:\n\nExperian is hereby placed on final notice. Failure to comply will result in:\n\nFormal complaints to the CFPB, FTC, and State XXXX XXXX\n\nLegal action under XXXX XXXX XXXX XXXX XXXXo for willful and negligent noncompliance\n\nStatutory damages, actual damages, punitive damages, and legal fees\n\n\nThis is your last opportunity to resolve this matter without litigation.\n\nSincerely,\nXXXX 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