Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXXXXXX  SSN : XXXX Subject : Formal FCRA Dispute Identity Theft, Reinsertion, and Reporting Errors Dear Experian Dispute Department, I am writing to formally dispute and demand immediate correction of several accounts appearing on my Experian credit report dated XX/XX/XXXXXXXX  that are the result of identity theft or contain reporting inaccuracies. 
Multiple XXXX XXXX XXXX XXXX auto-loan accounts that were previously deleted on XX/XX/XXXX, after an identity theft investigation have been reinserted without proper certification or notice, which constitutes a direct violation of FCRA 611 ( a ) ( 5 ) ( B ) ( C ). 
Additionally, Experian continues to report other fraudulent and inaccurate accounts that require deletion or correction. 
Disputed and XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All XXXX XXXX XXXX  accounts are fraudulent and must be permanently deleted. Their reinsertion after verified deletion violates 611 ( a ) ( 5 ) ( B ) ( C ) and 605B. 
XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$22000.00} XXXXXXXX XXXX XXXX XXXX This account is fraudulent and does not belong to me. It was opened without authorization and must be deleted. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX * * XXXX. XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3500.00} XXXXXXXX XXXX XXXX XXXX  These three XXXX XXXX accounts are fraudulent and were not opened by me. They remain on my report despite ongoing disputes since XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX This is my account ; however, the payment history, balance, and reported dates differ from other bureaus. Please reinvestigate and correct these inconsistencies. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2800.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX This is a separate legitimate account but contains inaccurate open date, last payment date, and high balance information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$710.00} Charged Off Status still shows consumer disputes after resolution despite completion. This needs to be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3500.00} XXXX XXXX XXXX and charge-off dates are inconsistent with other bureaus and must be updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} Charged Off Incorrect date of delinquency and amount past due need to be reviewed and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX continues to show Reinvestigation in Process while negative data remains, which violates 607 ( b ). 
Applicable FCRA Violations 605B : Failure to block identity-theft information upon receipt of documentation.

611 ( a ) ( 5 ) ( B ) ( C ) : Unauthorized reinsertion without proper certification or notice.
607 ( b ) : Failure to ensure maximum possible accuracy.

623 ( a ) ( 2 ) : Furnishers failed to correct or update inaccurate data.

616617 : Civil liability for willful or negligent noncompliance. 
Requested Actions XXXX. Permanently delete all fraudulent XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX accounts. 
2. Reinvestigate and correct both XXXX XXXX  accounts for balance, date, and payment discrepancies. 
3. Correct or remove inaccurate tradelines for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4. Provide written verification of results and an updated credit report within 30 days, as required by 611 ( a ) ( 6 ).

Please note that Experians continued reporting of previously deleted accounts constitutes a pattern of FCRA noncompliance. A copy of this letter and supporting documentation will be sent to the Consumer Financial Protection Bureau and the Florida Office of the Attorney General.

Enclosures 1. Copy of U.S. Passport ( proof of identity ) 2. Copy of Social Security Card 3. Copy of Utility Bill / Bank Statement ( proof of address ) 4. Copy of FTC Identity Theft Report / Police Report 5. Copy of Experian Deletion Confirmation ( XX/XX/XXXX ) XXXX. XXXX of Experian Credit Report ( XX/XX/XXXX ) showing reinsertion Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX 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