Consumer complaint received 2025-10-24 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: KS

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding repeated violations by credit furnishers and credit reporting agencies. 
The furnishers involved are XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX. 

I have filed an FTC Identity Theft Report and previously submitted disputes with all three major credit bureaus. Despite this, inaccurate and fraudulent information continues to appear or has been reinserted without legal notice or verification. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was removed from my credit reports after I filed an identity theft dispute earlier this year. 
A few months later, it was reinserted without notice or certification of accuracy, which directly violates FCRA 611 ( a ) ( XXXX ) ( B ). 

It is now showing as closed with a balance of {$4100.00}, status 90 days late, and remarks reading Dispute resolved ; consumer disagrees. 
I have never authorized this account, and after its removal, it should not have been re-reported without written certification to me as required by law. 

This reinsertion and continued reporting are willful violations of FCRA 611 ( a ) ( 5 ) ( B ) and 623 ( a ) ( 1 ) ( A ), as the furnisher and bureaus are knowingly reporting inaccurate information following an identity theft claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported by : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX This account is being reported as Charged off/ sold to another lender, but also shows as active or open with inconsistent balance data across different bureaus. 

I disputed this account as identity theft and inaccurate reporting, but my disputes were ignored. 
Under FCRA 623 ( a ) ( 5 ), once an account is sold to a third party ( in this case, XXXX XXXX XXXX ), the furnisher must report a {$0.00} balance and stop updating the account. 
They failed to do this and continue to report inaccurate information, violating FCRA 605B and 623 ( a ). 

XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported by : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was also part of my identity theft and inaccuracy dispute. 
It is being reported as closed with a {$950.00} balance, XXXX  days late, and remarks stating Dispute resolved ; reported by grantor. 

The account is inaccurately updated across different bureaus, and the creditor has failed to provide proper verification under FCRA 611 ( a ). 

Legal Violations These furnishers and credit bureaus are in violation of multiple provisions of the Fair Credit Reporting Act, including : FCRA 605B Failure to block fraudulent information after receiving an identity theft report. 
FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of deleted information without written certification and consumer notice.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

FCRA 623 ( a ) ( 5 ) Failure to correctly report the status of an account after sale or transfer. 

I also sent each furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) a Debt Validation Letter under the Fair Debt Collection Practices Act ( FDCPA 809 ) and formally instructed them to cease reporting any unverifiable or inaccurate information to the credit bureaus. 
Despite my lawful request, they failed to provide any signed agreements, itemized statements, or validation of the alleged debt, and continue reporting false and incomplete information. 
This continued reporting after receipt of my validation request constitutes willful noncompliance with the FDCPA and further violations of FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ).

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