Consumer complaint received 2025-02-21 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:
Subject : IMMEDIATE DISPUTE & DEMAND FOR REMOVAL OF FRAUDULENTLY REINSERTED ACCOUNTS NOTICE OF FCRA VIOLATIONS To Whom It May Concern, I am formally disputing the reinserted XXXX XXXX accounts appearing on my Experian credit report. These accounts were previously deleted due to identity theft and fraud, yet have now been re-reported without proper notification, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The following accounts must be permanently removed immediately : XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 605B Failure to Block Identity Theft Accounts These JPMCB accounts have been confirmed as fraudulent, and per FCRA 605B, the credit bureau is required to block the reporting of any fraudulent accounts upon receiving proper documentation.

By re-reporting these accounts, Experian has violated its legal duty to maintain the block.

2. FCRA 611 ( a ) ( 5 ) ( B ) Failure to Notify Consumer of Reinsertion Since these accounts were previously deleted and are now reinserted, Experian was legally required to notify me within XXXX ( XXXX ) business days of the reinsertion, as required by FCRA 611 ( a ) ( 5 ) ( B ).

I never received any such notification, making this reinsertion illegal.

3. FCRA 1681s-2 ( a ) XXXX Furnishing Inaccurate Information XXXX, as the furnisher, knows or should have known that these accounts are fraudulent and should not have re-reported them. 
This is a direct violation of FCRA 1681s-2 ( a ), which mandates that furnishers must report accurate and verifiable data.

4. FCRA 623 ( a ) ( 3 ) Failure to Update and Correct Information Once a dispute is filed, the furnisher must correct or remove inaccurate information. 
Since XXXX is re-reporting deleted accounts, it is acting in bad faith and violating federal law. 

Formal Demand for Contract Verification ( FCRA 609 & UCC 3-501 ) Per FCRA 609, I am requesting the following legally required validation documents : Original contract bearing my wet ink signature proving I applied for these accounts.

Copies of any agreements, applications, or account-opening documents allegedly signed by me.

Proof of liability and ownership per UCC 3-501, demonstrating XXXX has the legal right to collect this debt. 
Failure to provide these documents within XXXX days will confirm that XXXX does not have a valid claim, and these accounts must be removed immediately under federal law. 

Legal Consequences of Non-Compliance If Experian and XXXX fail to correct these violations, I will have no choice but to escalate this matter by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Pursuing legal action for willful violations of my consumer rights, which may entitle me to damages under FCRA 1681n.

Final Demand This is your final notice to : Immediately remove both fraudulent XXXX accounts from my Experian credit report. 
Cease all unauthorized reinsertions of deleted accounts. 
Provide written confirmation that these accounts have been permanently deleted. 
Failure to comply within XXXX days will result in immediate legal escalation. 

Sincerely, XXXX 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