Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian is willfully failing to remove XXXX fraudulent accounts from my credit report despite a valid identity theft dispute, and has even reinserted some previously deleted fraudulent accounts without providing the legally required notice. I am a victim of identity theft and provided Experian with an official FTC Identity Theft Report in XX/XX/year> identifying ten accounts that were opened without my consent. Under the Fair Credit Reporting Act ( FCRA ), Experian was required to block and delete all information related to those fraudulent accounts within 4 business days of receiving my identity theft report. However, Experian deleted only some of the accounts and failed to remove all of them. Furthermore, Experian later reinserted at least one of the previously deleted fraudulent accounts into my credit file without the proper written notice mandated by law. This complaint addresses Experians continued noncompliance with federal law, including its failure to delete all fraudulent accounts and its unlawful reinsertion of disputed accounts without proper notice. 
What is the companys response? 
Experians response to my disputes and prior CFPB complaints has been inadequate and non-compliant. After my initial identity theft dispute ( CFPB Complaint # XXXX, submitted in early XX/XX/year> ), Experian removed several of the fraudulent accounts from my report but inexplicably left others in place. I then filed a follow-up complaint ( CFPB Complaint # XXXXXXXX XXXX XXXX  ) when Experian failed to delete all the accounts. In response, Experian sent me only a generic form letter via email stating that previously deleted information was being reinserted based on unspecified additional information it received. This form letter did not include the required details it merely directed me to an attached credit report for the furnishers name and contact information, instead of stating the furnishers name/address and notifying me properly in advance as required by FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). In summary, Experians only response was to partially address the issue ( deleting some items ) but then reverse course on others without a legally compliant explanation, failing to resolve the dispute or adhere to federal requirements. 
I discovered ten accounts on my Experian credit report that I did not open they were the result of identity theft. On XX/XX/year>, I mailed Experian a formal dispute letter with an FTC Identity Theft Report ( ID Theft Report Reference # XXXX ) and all required documentation, identifying each fraudulent account and requesting their immediate blocking and deletion. The accounts included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts all opened without my knowledge or consent. Under FCRA 605B ( 15U.S.C. 1681c-2 ), Experian must block information identified in a valid identity theft report within 4 business days. Despite this, Experian failed to block/delete all of the fraudulent accounts within the required timeframe. While several of the fraudulent accounts were removed as a result of my dispute, at least two accounts remained on my report ( specifically, the XXXX XXXX XXXX and XXXX accounts ) even after the 4-day deadline. The continued presence of those accounts violated Experians obligations under the FCRAs identity theft provisions. 2. Prior CFPB Complaints and Partial Action : Because Experian did not remove all fraudulent items, I escalated the issue by filing CFPB Complaint # XXXX ( original identity theft dispute ) and later CFPB Complaint # XXXX ( Experians failure to delete all accounts ). These actions prompted Experian to take some corrective steps notably, Experian deleted several of the fraudulent accounts after the first CFPB complaint. However, two accounts were never removed ( XXXX XXXXXXXX XXXX XXXX XXXX remained, as noted above ) and possibly additional accounts were not properly handled. I even sent a final notice letter to Experian on XXXX, warning that those accounts were still unblocked and that this noncompliance was willful. Rather than fully correcting the issue, Experians response was incomplete. 3. Unlawful Reinsertion without Notice : To my shock, Experian then reinserted some of the previously deleted fraudulent accounts back onto my credit report. In late XX/XX/year>, I received an email notice from Experian indicating that information previously blocked due to my identity theft claim was being placed back into my credit file. Experian claimed to have obtained additional information suggesting the block was in error, and as a result, they unilaterally unblocked/reinserted the disputed account ( s ). Critically, Experian did not provide the proper written notice of this reinsertion as required by law. Under FCRA 15U.S.C. 1681i ( a ) ( 5 ) ( B ), if a consumer reporting agency reopens or reinserts a previously deleted item, it must send the consumer a written notice within 5 business days that includes : ( a ) a statement that the item was reinserted, ( b ) the name, address, and phone number of the furnisher who verified the information, and ( c ) notice of the consumers right to add a dispute statement, Experian failed to meet this obligation. The only notice I received was a form email with generic language about possible reasons for reinstating the information ( such as alleging a material misrepresentation in the block request ) and instructing me to check my credit report for details. The notice did not directly provide the furnishers name or address, nor did it give me any advance warning or the detailed explanation required by the statute. This lack of proper notice is a direct violation of FCRAs reinsertion provisions. It deprived me of the opportunity to know who reconfirmed the fraudulent account and to exercise my rights ( for example, adding a consumer statement or immediately disputing again with the furnisher ). Experians actions here appear to be a willful disregard of the FCRAs requirements, as they were aware of their duties from my prior complaints and still chose to reinsert information without following the mandated notice procedure. In summary, Experian has ( a ) failed to permanently remove all accounts that I identified and documented as fraudulent ( leaving some never deleted ), and ( b ) reinserted disputed fraudulent accounts into my credit file without the legally required notice and verification details. This pattern of noncompliance has persisted despite multiple disputes and CFPB complaints, indicating that Experian is not upholding its obligations under federal law to protect victims of identity theft. The presence of these unauthorized accounts on my credit report is severely damaging to me they are reported with derogatory statuses ( e.g., charge-offs ) and are not mine, yet they continue to hurt my creditworthiness and cause me significant distress. Every delay and failure by Experian to correct this situation prolongs the harm caused by the identity theft. Experians willful noncompliance with FCRA statutes both the identity theft blocking provision and the reinsertion notice requirement is the core issue in this complaint.

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