Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
This is a formal complaint against Experian for the illegal reinsertion of previously deleted fraudulent accounts on my credit report, in violation of federal and state laws, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) 611 ( a ) ( 5 ) ( B ), 623 ( a ) ( 3 ), 611 ( d ), and 607 ( b ) State-level consumer protection laws governing fraud, privacy, credit reporting, and deceptive business practices Violations of Federal Law ( FCRA ) : FCRA 605B ( 15 U.S.C. 1681c-2 ) : The identity theft-related accounts were not blocked within four business days of receipt of my valid Identity Theft Report issued by the FTC ( FTC report number : XXXX ). 

FCRA 611 ( a ) ( 5 ) ( B ) : Previously deleted accounts were reinserted without the proper certification from the data furnisher.

FCRA 623 ( a ) ( 3 ) : The account information was not updated or corrected after being disputed.

FCRA 611 ( d ) : I was not notified in writing within five business days of the accounts reinsertion.

FCRA 607 ( b ) : The maximum possible accuracy of the reported information was not ensured.

FCRA 604 15 U.S.C. 1681b : The accounts were reported and reinserted without any permissible purpose under the law, as I never authorized nor gave consent for my information to be used or shared. This violation further aggravates the fraudulent and unauthorized nature of the reporting. 

Violations of State Law : In addition to federal violations, these actions infringe upon state consumer protection laws, which vary by jurisdiction, but generally include : Unfair and Deceptive Acts and Practices ( UDAP ) laws under state consumer protection statutes State-level identity theft protection laws that require proper response to fraud claims and govern how credit information must be reported State privacy laws prohibiting unauthorized use or disclosure of personal information Negligent or intentionally false representation during credit reporting and reinsertion processes Small claims court provisions allowing me to seek compensation for : Financial damages Harm to my reputation Emotional distress Statutory penalties Example ( for Florida residents XXXX : Violations of Floridas Deceptive and Unfair Trade Practices Act ( FDUTPA ) and Floridas Identity Theft Protection Act, which mirror federal protections but provide a private right of action with statutory penalties and recovery of legal fees. 
Damages suffered : Sudden drop in my credit score Denial of a mortgage prequalification Financial burden and reputational damage Hours upon hours spent correcting an illegal report where the credit bureau never properly assists Emotional distress from prolonged exposure to fraud and denial of financial instruments Persistence of false data despite having filed a certified formal dispute

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