Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
I am writing to formally dispute the unauthorized reinsertion of previously deleted information on my credit report and demand corrective action regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) committed by Experian. I am a victim of the recent lawsuit filed against Experian on XX/XX/XXXX ( case filing attached ). 
I have previously submitted identity theft reports, FTC complaints, police reports, and data breach notifications, demonstrating that I am a victim of fraud. Despite this, Experian has failed to properly investigate my disputes, reinvestigate previously deleted items, and prevent the wrongful reinsertion of fraudulent accounts. In addition, I have provided documentation showing the inaccuracy in reporting for multiple accounts between all three major credit agencies. 
Below is a summary of the violated accounts that have been improperly reinserted or remain on my report despite clear evidence of fraud : Creditor Name Date Opened Balance Account Number XXXX XX/XX/XXXX {$20000.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX Violations Committed by Experian : 1. Unlawful Reinsertion of Deleted Information ( FCRA 1681i ( a ) ( 5 ) ( B ), ( C ) ) o Experian reinserted previously deleted accounts without proper certification from furnishers. 
o No notification was provided within the legally required five-business-day period. 
2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ( a ) ( 1 ) ) o My disputes were not adequately investigated, and evidence of fraud was ignored.

o Experian failed to ensure the accuracy of my credit file. 
3. Failure to Provide Complete & Timely Notice to Furnishers ( FCRA 1681i ( a ) ( 2 ) ) o Experian did not forward all relevant consumer-provided dispute information to furnishers.

4. Failure to Block Identity Theft-Related Information ( FCRA 1681c-2 ( a ) ) o Despite receiving FTC identity theft reports , police reports, and data breach notifications, Experian continued reporting fraudulent accounts.

5. Failure to Maintain Maximum Possible Accuracy ( FCRA 1681e ( b ) ) o Experians improper dispute processing has resulted in continued reporting of inaccurate and fraudulent accounts.

6. Unfair & Deceptive Practices ( CFPA 5531, 5536 ) o The companys refusal to correct my file despite clear fraud evidence is both deceptive and harmful.

7. Failure to Provide Accurate Dispute Resolution Notices ( FCRA 1681i ( a ) ( 6 ) ) Experian sent me dispute results letters that were misleading and contradictory, making it unclear whether corrections had been made.

In some cases, the letters stated that an item had been deleted when, in fact, it remained on my credit report. 
8. Failure to Process Identity Theft Disputes Properly ( FCRA 1681c-2 ( a ) ) Experian failed to block identity theft-related information after I provided the required documentation.

The company imposed restrictive, undisclosed requirements for accepting identity theft affidavits, making it harder for me to protect my credit file. 
Immediate Action Requested : To resolve this matter, I demand that Experian : Immediately delete all reinserted fraudulent accounts and tradelines.

Provide written confirmation within 15 days detailing the removal of this inaccurate data. 
Cease unlawful reinsertion practices without proper certification and consumer notification. 
Ensure compliance with all FCRA and CFPA regulations moving forward.

Formal Complaint & Damages Claim : Due to Experians ongoing violations, I have suffered financial harm, including : Denied credit opportunities Damage to my credit score Emotional distress while currently pregnant Financial hardship Loss of housing opportunities If this matter is not resolved promptly, I will escalate my complaint by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking compensation from the CFPBs victims relief fund.

Contacting the Federal Trade Commission ( FTC ) and the State Attorney Generals Office for further regulatory action. 
Pursuing legal action to recover damages for Experians continued FCRA violations. 
I expect a prompt response within the timeframe required by federal law. Failure to comply will result in immediate escalation.

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