Consumer complaint received 2025-08-20 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, La. XXXX XXXX XXXX social XXXX Date : XXXX Experian Credit BureauInc. 
XXXX XXXX XXXXXXXX, TX XXXX Re : Formal Dispute Reinserted & Fraudulent Accounts/ Notice of Intent to Sue To Whom It May Concern, I am formally disputing the reappearance of a account that was previously deleted from my Experian consumer report. This account were previously removed as fraudulent, yet you have reinserted them without proper notice, certification, or evidence as required under the Fair Credit Reporting Act ( FCRA ). This is a direct violation of my federal rights. XXXX XXXX # XXXX {$3400.00} opened XXXX is a fraudulent reinserted account. I didnt open neither authorized anyone to open that account I was not provided with the original documentation which is required by frca law. I have all documentation that been sent to u everytime I disputed these accounts which was handed over to my lawyer which is prepared to be submitted to the courts and the attorney general for a lawsuit which includes all damages below as well as damages for mental stress and my hard reputation. 

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) You are prohibited from reinserting previously deleted accounts unless the furnisher certifies the accuracy and you provide me with written notice within XXXX business days. You have failed to comply. 
2. 15 U.S.C. 1681i ( a ) You are obligated to conduct a reasonable reinvestigation of disputed information. Re-reporting fraudulent accounts without proof is not a reasonable reinvestigation.

3. 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy of my credit report. Allowing fraudulent, inaccurate, and previously deleted accounts back onto my file demonstrates willful non-compliance. 
Your company has already been sued multiple times for these exact violations and I am prepared to initiate legal action for damages, statutory penalties, and attorneys fees if you do not immediately comply. 
Demand for Immediate Action : * Permanently delete the reinserted fraudulent accounts from my Experian credit file. 
* Provide written confirmation of their removal within 15 days of receipt of this letter. 
* Provide the furnishers certification, if you claim it exists, that allegedly justified reinsertion. 
If you fail to comply, I will proceed with filing suit in federal court for violations of the FCRA, and I will not hesitate to seek statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and full recovery of costs and attorneys fees. 
This letter serves as final notice before litigation. You have been put on record. Govern yourselves accordingly. 
Sincerely, [ Your Full Legal Name ] SSN XXXXDOB : XXXX Enclosures : Copy of government-issued ID, proof of address

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