Consumer complaint received 2025-12-04 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:
Date : XX/XX/year> To : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Identity Theft Notice, Mixed File Complaint & Demand for Permanent Blocking Under FCRA 605B / Reinsertion Violations Fraudulent XXXX XXXX XXXX  XXXX Account & Repeated Reinsertions of XXXX Card Accounts To Whom It May Concern, I am submitting this letter as a formal Identity Theft statement, mixed-file alert, and legal notice of repeated FCRA and FACTA violations committed by Experian relating to fraudulent accounts that have been repeatedly deleted and then mysteriously reinserted onto my Experian credit report for more than a year.

1. FRAUDULENT / MIXED ACCOUNT CURRENTLY REINSERTED The following fraudulent/mixed account has again appeared on my Experian file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX No. : XXXX Balance : {$12000.00} This account has been repeatedly added, removed, and reinserted on a near-monthly cycle, typically appearing AFTER Experian deletes the two fraudulent/mixed XXXX  Card accounts that have been ongoing for over a year.

2. CREDITOR CONFIRMATION THIS ACCOUNT IS NOT MINE I have spoken directly with XXXX XXXX XXXX  many times, including a representative named XXXX, who confirmedyet again todaythat they do not reinsert fraudulent accounts onto credit reports and that they did not furnish any new data for reinsertion. 
This means any reappearance of this account is occurring inside Experian, not through the furnisher. 
XXXX. EXPERIAN 'S OWN SPECIAL SERVICES REPS CONFIRMED THIS IS A MIXED FILE On XX/XX/year>, I spoke with Experian Special Services representatives XXXX and XXXX. 
Both stated the following alarming facts : No address is tied to this XXXX XXXX account in my file. 
This matches the same mixed-file behavior seen with the two fraudulent XXXX XXXX accounts Experian deletes repeatedly. 
XXXX created XXXX XXXX. XXXX, then abruptly disconnected after I questioned whether he was working from home due to the sound of children in the background. 
XXXX refused to disclose what country she was working from, rushed the call, and hung up abruptly as well. 
Immediately after these disconnections, I received an Experian email stating that this fraudulent XXXX account was in dispute, although I never submitted any dispute request. 
This proves Experians system is malfunctioning or being manually altered without authorization. 
4. EXPERIAN CLEARLY EXPERIENCED SYSTEM GLITCHING & UNAUTHORIZED DISPUTE CREATION For more than a year, Experians system has shown : Fraudulent accounts added and removed without request Disputes being opened without my authorization Reinsertion alerts never provided despite repeated reinsertions Recurring reinsertion cycles, often weekly or monthly Multiple agents acknowledging Experians internal systems need time to stop glitching at the start of nearly every call This is a textbook mixed file, a FACTA identity theft violation, and repeated FCRA reinsertion law violations.

5. EXPERIAN IS IN DIRECT VIOLATION OF MULTIPLE FEDERAL STATUTES Your actions violate the following federal laws : FCRA 605B Identity Theft Blocking Requirement Upon receiving an ID-theft claim and supporting documentation, a bureau must block the reporting of fraudulent information within four business days.

You have failed to permanently block this account for more than a year.

FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion Without Notice Is Illegal If a previously deleted item is reinserted, the CRA must : Receive certification from the furnisher Notify the consumer in writing within 5 business days Experian has never provided legally required reinsertion notices for : The XXXXXXXX XXXX XXXX  account Either of the two fraudulent XXXX  XXXX accounts This is a repeated and willful violation of federal law. 
FCRA 607 ( b ) Failure to Maintain Reasonable Procedures Experian must ensure maximum accuracy.

Your repeated reinsertion of confirmed fraudulent and mixed-file accountseven after confirmation from furnishersproves a complete breakdown in your accuracy procedures.

FCRA 623 ( a ) ( 6 ) & FACTA Identity Theft Protections CRAs must establish policies to prevent the reporting of information resulting from identity theft.

Your ongoing behavior shows systemic failure.

FCRA 616 & 617 Civil Liability for Willful and Negligent Noncompliance Your failure to correct, block, and prevent reinsertion makes Experian legally liable for : Statutory damages Actual damages Attorneys fees Punitive damages I am formally placing Experian on notice that continued reinsertion will result in legal action.

6. FORMAL DEMAND I am demanding the following immediate actions : Permanently delete and block the fraudulent/mixed XXXX XXXX XXXX XXXX account XXXX 
Permanently block ANY and ALL XXXX XXXX  accounts from ever appearing again on my Experian credit file. 
Provide written confirmation of permanent blocking pursuant to FCRA 605B.

Provide all furnisher certifications under FCRA 611 ( a ) ( 5 ) ( B ) that Experian allegedly relied on for any past reinsertions.

Provide a full Method of Verification under FCRA 611 ( a ) ( 6 ) explaining how these fraudulent accounts have repeatedly been reinserted despite being confirmed fraudulent.

Conduct a full mixed-file investigation under FCRA 611 and provide results in writing.

7. LEGAL WARNING If any of the following reappears on my Experian report : The XXXX XXXX XXXX  XXXX account Either of the XXXX XXXX  fraudulent accounts Any other fraudulent/mixed account previously removed I will immediately file : A CFPB complaint A Federal Trade Commission identity theft escalation A formal complaint with the Department of Financial Protection & Innovation ( DFPI ) A civil lawsuit for willful FCRA and FACTA violations Experian has now accumulated more than enough violations to justify litigation.

8. FINAL NOTICE I am again demanding a swift, permanent block and deletion of the XXXX XXXX XXXX  XXXX XXXX account for the remainder of my life. 
You have more than enough evidence from me, from the furnishers, and from your own Special Services department confirming this is a mixed file, identity theft, and reinsertion violation matter. 
Failure to comply promptly will be documented as intentional and willful noncompliance. 
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