Consumer complaint received 2025-04-07 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: AL

Complaint narrative:
Subject : Formal FCRA Complaint Permanent Deletion of Fraudulent Accounts, Reinstatement of Positive Credit History, and Legal Demand for Damages To Whom It May Concern, This correspondence serves as my formal and final notice to Experian, and will be concurrently filed as a complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and other enforcement authorities. Experian has committed multiple serious and willful violations of the Fair Credit Reporting Act ( FCRA ), including failure to block fraudulent identity theft accounts, illegal reinsertion of negative tradelines, and unauthorized deletion of accurate positive accounts, causing me severe harm.

I am a documented victim of long-term identity theft and have submitted FTC Identity Theft Report # XXXX dated XX/XX/XXXX. I have also provided all required supporting documentation to Experian and to the furnishers directly.

UNLAWFUL REINSERTION OF FRAUDULENT IDENTITY THEFT ACCOUNTS ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ) Experian illegally reinserted multiple identity theft accounts that had previously been deleted, without notifying me within the required five business days, and without proper certification of accuracy : XXXX XXXX XXXX XXXX ( Acct # XXXX ) Reinserted on XX/XX/XXXX with a charge-off and {$250.00} balance XXXX XXXX XXXX XXXX Acct # XXXX ) Reinserted on XX/XX/XXXX with {$39000.00} charge-off Both accounts were explicitly identified in FTC Identity Theft Report # XXXX as fraudulent and unauthorized. 

FAILURE TO PERMANENTLY BLOCK FRAUDULENT ACCOUNTS ( FCRA 605B ) Despite proper identity theft documentation under 605B, Experian continues to report accounts that were fraudulently opened using my personal identifying information : XXXX XXXXXXXX ( XX/XX/XXXX ) {$470.00} fraud ( Acct # XXXX ) XXXX XXXX {$2900.00} fraud ( Acct # XXXX ) XXXX XXXX XXXX {$250.00} charge-off ( Acct # XXXX ) XXXX XXXX XXXX {$39000.00} charge-off ( Acct # XXXX ) I submitted identity theft disputes to each of these furnishers with the enclosed FTC Notice to Furnishers , yet Experian continues to report these tradelines.

UNAUTHORIZED DELETION OF ACCURATE POSITIVE ACCOUNTS ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 610 ) Experian unlawfully and without notice deleted the following verified, accurate, closed positive tradelines, all of which appeared on my XX/XX/XXXX Experian credit report : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, closed at consumers request, paid in full Acct # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, original balance {$43000.00}, paid off Acct # : XXXX XXXX XXXX XXXX XXXX XXXX original balance {$17000.00}, paid off Acct # : XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) Open account with positive standing, later targeted with false utilization reporting and omitted from later reports These deletions were never disclosed or explained and have directly damaged my credit profile and score. 

LEGAL BASIS & CFPB-RECOGNIZED VIOLATIONS Experian has violated the following provisions of the Fair Credit Reporting Act : 605B Failure to block fraudulent identity theft accounts 611 ( a ) ( 5 ) ( B ) Illegal reinsertion of previously deleted negative items 611 ( a ) ( 1 ) Failure to conduct reasonable investigations 607 ( b ) Failure to maintain maximum accuracy 609 ( a ) ( 1 ) Failure to disclose sources and reasons for adverse actions 610 Deletion of accurate, non-obsolete information 616 & 617 Willful and negligent noncompliance, subject to actual and punitive damages FORMAL DEMAND I hereby demand the following immediate actions within 15 calendar days of receipt of this Complaint : Permanently delete all fraudulent identity theft accounts listed above.

Reinstate all previously deleted positive tradelines, in full, to reflect accurate history.

Send written confirmation of these actions and provide an updated credit report.

Provide monetary compensation in the amount of {$25000.00} for : Actual damages from credit denials, emotional distress, and financial loss Statutory damages for each FCRA violation Punitive damages for willful disregard of federal law NOTICE OF INTENT TO PURSUE LEGAL REMEDIES If Experian fails to comply, I will take the following steps : File formal complaints with the CFPB, FTC, State Attorney General, and Consumer Affairs Division Initiate a civil action in federal court under FCRA 616 & 617 Seek full legal remedy including discovery of Experians internal compliance documentation This letter serves as legal notice and will be attached to my official CFPB complaint. 

Sincerely, 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