Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX Email : XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Subject : Formal Demand for Immediate and Permanent Deletion of Reinserted and Fraudulent Information Under the Fair Credit Reporting Act Final Notice Failure to Address Data Breach Disputes & FCRA Violations To Whom It May Concern, I am demanding the immediate and permanent deletion of inaccurate, previously deleted, and/or fraudulent information that you have unlawfully reinserted into my credit report without proper notice or legal certification, in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ).

FCRA VIOLATIONS : 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) - Once an account is deleted following a reinvestigation, Experian is prohibited from reinserting it unless the furnisher certifies its accuracy and the consumer is notified in writing within 5 business days. You failed to meet both conditions.

This is my third forml notice regarding fraudulent and inaccurate accounts that remain on my credit report due to a confrmed data breach.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) - You are required to conduct a reasonable reinvestigation of any disputed information within 30 days. There is no evidence you fulfilled this obligation.

15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) - You must provide written results of any reinvestigation and a clear description of the procedure used. This requirement has not been met.

15 U.S. Code 1681e ( b ) - You are obligated to follow reasonable procedures to ensure maximum possible accuracy of consumer credit data. The continued reporting of unverifiable and reinserted data is unacceptable and unlawful.

15 U.S. Code 1681c-2 ( FCRA 605B ) - As I am a verified victim of identity theft, and you have received the required documentation, you are legally obligated to block and permanently remove all fraudulent data from my credit report.

PATTERN OF NONCOMPLIANCE & DISPARATE TREATMENT : Please be advised that the other major credit reporting agencies have already deleted these same accounts, acknowledging that they could not verify the information. If XXXX XXXX XXXX  were unable to verify these accounts, how is Experian still verifying them as accurate? This raises serious concerns about the legitimacy of your reinvestigation procedures, the accuracy of your reporting systems, and whether your agency is willfully violating federal consumer protection laws unde the FCRA. 

REFERENCE : CFPB ACTION AGAINST EXPERIAN Your agenys conduct is consistent with the Consumer Financial Protection Bureaus enforcement action, where Experian was fined for deceptive dispute practices and failure to follow proper procedures. Reinserting unverified information and denying valid disputes only reinforces your pattern of unlawful behavior.

Despite my repeated dispute letters and the documentation Ive provided, these accounts have not been removed from my file : 1. XXXX XXXX ( REINSRTED VIOLATION 1 ) Account Number : XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX ( REINSERTED VIOLATION 2 ) Account Number : XXXX Balance : {$810.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$17.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} Date Opened : XX/XX/XXXX XXXX. BXXXX XXXX XXXX REPORTING Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} Date Opened : XX/XX/XXXX The following erroneous addresses are also appearing on my report and must be removed : 1. XXXX XXXX XXXX XXXX, Ca XXXX This is a reminder that the other major credit reporting agencies have deleted these same accounts, acknowledging they could not verify them. If they were unable to verify the accounts, how is your agency still verifying them as accurate? This raises severe concerns regarding your investigation methods and compliance with federal consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ), you are required to : Conduct a reasonable investigation of any disputed information ( 15 U.S. Code 1681i ) ( a ) ( 1 ) ( a ).

Notify the consumer of the results and provide a description of the verification process ( 15 U.S. Code 1681i ( a ) ( 6 ) ( b ) ( 3 ).

Ensure that all information reported is complete and accurate ( 15 U.S. Code 1681e ( b ).

Block any information resulting from identity theft once appropriate proof is provided ( 15 U.S. Code 1681c-2 ).

I now formally demand : 1. The immediate deletion of the disputed accounts from my credit report.

2. A full description of the method of verification, including the name and contact information of the furnisher who allegedly verified the accounts.

ESCALATION NOTICE : This letter is being submitted in conjunction with formal complaints already filed with the following agencies : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - California Attorney Generals Office - XXXX XXXX XXXX XXXX XXXX XXXX  - As well as my legal counsel, who has been retained to prepare and pursue a civil lawsuit for willful violations of the Fair Credit Reporting Act DEMANDS : You are hereby instructed to : 1. Immediately and permanently delete all disputed, reinserted, and/or fraudulent information.

2. Provide written confirmation that no reinsertion will occur unless fully compliant with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Disclose the complete reinvestigation procedure used, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Notify all third-party users and furnishers that the disputed data has been deleted due to inaccuracy and unverifiability.

Enclosed Supporting Documents Copy of my government-issued Passport Copy of a recent utility bill for address verification Copy of XXXX Data Breach FTC Identity Theft Affidavit Copy of the CFPB Complaint California Attorney General Complaint XXXX XXXX XXXX Complaint Copy Experian Lawsuit and Complaint Copy of FCRA 605B 15 U.S.C. 1681c-2 I request written confirmation of the removal and blocking of these accounts within four ( 4 ) business days, as required by federal law. Please send all correspondence regarding this matter to my email at XXXX and to the mailing address listed above. I can also be reached directly at ( XXXX ) XXXX should further information be required. 

Thank you for your immediate attention to this matter. This is your final notice to comply. Please send your written response to the mailing address listed above. 

Sincerely, XXXX XXXX XXXX XXXX of Identity I, XXXX XXXX XXXX, being duly sworn, depose and say : I am the individual identified above who is submitting this dispute and demand to Experian. 
My residential address is XXXX XXXX XXXX XXXX, CA XXXX My Social Security XXXX is XXXX My Date of Birth is XX/XX/XXXX My email address is XXXX I declare under penalty of perjury that all statements contained within this letter and affidavit are true, correct, and complete to the best of my knowledge and belief. 
I submit this Affidavit of Identity to establish my identity and to further support my formal dispute of the unlawful reinsertion of inaccurate information on my credit report. 
XXXX XXXX XXXX Date XXXX XXXX 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