Consumer complaint received 2025-03-06 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: MD

Complaint narrative:
I am submitting this formal complaint against Experian for multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with their mishandling of a fraudulent XXXX XXXX account ( # XXXX ) on my credit report. 

On XX/XX/XXXX, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) under Report # XXXX. In accordance with my rights under 15 U.S.C. 1681c-2, I submitted a formal block and delete request to Experian on XX/XX/XXXX ( see attached ), including all required documentation, via certified mail. Experian received these documents with receipt confirmation. 

Following my submission, I also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX ( see attached documentation ) regarding Experians handling of this fraudulent account. In response, Experian responded to my dispute and complaint with an updated report sent on XX/XX/XXXX. Experian stated that the conducted an investigation and the fraudulent XXXX  XXXX account ( # XXXX ) had been deleted from my credit report ( please see the attached documentation ). 

However, on XX/XX/XXXX, Experian unlawfully reinserted this fraudulent account on my credit report. This constitutes multiple violations of the FCRA, including but not limited to : 15 U.S.C. 1681c-2 ( a ) : Failure to Permanently Block Fraudulent Information Once a consumer submits a valid identity theft report and requests blocking of fraudulent information, the consumer reporting agency must block the reporting of that information within four business days. Experians reintroduction of the deleted fraudulent account directly violates this statute.

15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy Credit reporting agencies are required to maintain accurate and complete records. Experians failure to do so constitutes gross negligence in handling consumer data.

15 U.S.C. 1681n & 1681o : Willful and Negligent Noncompliance As a result, I have consulted a credit attorney who has informed me that Experians knowing and reckless failure to maintain accurate records and its unlawful reinsertion of fraudulent data have caused me reputational harm, financial distress, and unnecessary burdens to correct these violations. Additionally, due to Experians continued failure to comply with its legal obligations, I have suffered financial harm, emotional distress, and the continued negative impact of fraudulent reporting. I am therefore eligible for the following remedies : Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n.

Actual damages suffered due to Experians noncompliance.

Punitive damages as determined by the court.

Reimbursement of reasonable attorneys fees and costs of litigation as provided under 15 U.S.C. 1681n and 1681o.

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