Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian P.O. XXXX XXXX XXXX XXXX XXXXXXXX RE : Report Number : XXXX Subject : Formal Dispute and Request for Reinvestigation under FCRA 611 and 605B Re : Reinsertion of Blocked Account XXXX  Acct # XXXX To Whom It May Concern, This letter is in response to your recent notice regarding the re-insertion of previously blocked information related to the above-referenced account, based on allegations of either a material misrepresentation or other disqualifying factor under 15 U.S.C. 1681c-2 ( FCRA 605B ). I hereby dispute the reinsertion of this account and request that you provide the legally required documentation that substantiates your action.

1. Improper Reinsertion Lack of Proper Notification under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ), if information is reinserted into a consumers file after being deleted or blocked due to fraud, the consumer reporting agency ( CRA ) must provide written notice to the consumer within five business days of the reinsertion and include : The name of the furnisher, The address and phone number of the furnisher, and A statement that the information was reinserted.

I was not provided this notice in accordance with the law. If you claim this information was sent, please provide the date of mailing, method of delivery, and proof of compliance with the statute.

2. Insufficient Basis for Reinsertion under FCRA 605B ( c ) You claim that the reinsertion is based on one of the following : A material misrepresentation was made in connection with the fraud claim ; I agreed in writing that the block was made in error ; I knowingly obtained goods or services via the alleged transaction.

None of these conditions apply. Therefore, under FCRA 605B ( c ), you are not permitted to reinsert this data unless you have substantial and verifiable documentation supporting one of the above exceptions.

3. Metro 2 Compliance Demand As per the Metro 2 Credit Reporting Resource Guide, if an account is determined to be the result of fraud or identity theft, it must be reported using the Special Comment Code E ( Confirmed Fraud Not Consumers Account ) or completely removed if the fraud is verified and unresolved.

You are requested to : Reinvestigate this account with the data furnisher, XXXX XXXX, using all documents and affidavits previously submitted. 

Request from the furnisher documented proof of my liability and any signed agreements or application forms showing that I authorized or benefited from this account.

Instruct the data furnisher to update the Metro 2 reporting to reflect the fraud indicator or delete the account in compliance with Metro 2 and FCRA 623 ( a ) ( 5 ).

4. Demand for Deletion and Cease of Reporting Absent a complete and lawful reinvestigation that produces conclusive proof that I authorized or benefitted from this account, I demand : Immediate deletion of the XXXX tradeline from my credit report ; A reinvestigation pursuant to FCRA 611 ; Written verification including original signed contracts or detailed fraud affidavits justifying the reinsertion.

If you fail to comply, this may constitute willful noncompliance under FCRA 616, for which I may seek legal remedies including statutory damages, actual damages, and attorney fees.

Thank you for your attention to this matter. Please respond to this dispute within 30 days, as required by law. I expect that if sufficient proof can not be provided, this account will be permanently removed from all reports. 

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