Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Formal Complaint Regarding Unlawful Reinsertion of Inaccurate Information Dear EXPERIAN XXXX XXXXXXXX XXXX XXXX, I am writing to formally dispute the reinsertion of inaccurate and unauthorized information into my credit report. Specifically, the account related to XXXX XXXX XXXX has been previously deleted from my ( XXXX ) credit file but now appears in my Experian credit file. There are XXXX XXXX XXXX XXXX accounts with different account numbers that are listed in my Experian credit file, further exacerbating the inaccuracies in my credit reports. 

The reappearance of this account and the existence of duplicate records are clear violations of the Fair Credit Reporting Act ( FCRA ), which prohibits reinsertions without proper certification of accuracy and prior notification to the consumer. 

As the rightful owner of this credit report, I have provided supporting documentation to ensure a thorough investigation. 

Please find enclosed the following : XXXX. A notarized letter confirming my intent to pursue legal action if this matter is not resolved promptly and appropriately. 
XXXX. A notarized formal complaint detailing the violations and issues with my credit report. 
XXXX. A copy of my drivers license as further proof of my identity. 
XXXX. A copy of the official report from IdentityTheft.gov to corroborate my claim and ensure no fraudulent or unauthorized accounts are associated with my file. 
XXXX. A copy of my Social Security card for additional identity verification. 
XXXX. Proof of address, including a recent utility bill, reflecting my current and only address at XXXX XXXX XXXX XXXX, where I have lived for the past several years. 
XXXX. XXXX complaint I respectfully request the following actions : XXXX. Immediate removal of the XXXX XXXX XXXX account and its duplicate account from all credit reports. 
XXXX. Immediate deletion of any outdated or incorrect addresses, ensuring only my current address, XXXXXXXX XXXX XXXXXXXX XXXX, remains. 

I also want to bring to your attention the recent Experian lawsuit ( dated XX/XX/year> ), which emphasizes the importance of adhering to FCRA guidelines and the legal consequences of failing to protect consumer rights. 

Under Section 611 of the FCRA, you are required to investigate and resolve this dispute within 30 days. Failure to comply may result in legal actions being taken against your bureau, including, but not limited to, statutory and punitive damages. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Notarized letter confirming intent to litigate Notarized formal complaint Copy of drivers license Official report from XXXX XXXX of Social Security card Proof of address ( utility bill ) BBB complaint

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