Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
Subject : Formal Dispute Fifth Illegal Reinsertion of Fraudulent XXXX  Account | FCRA Violations Dear Experian, This letter serves as an urgent and formal dispute regarding the fifth reinsertion of a known and confirmed fraudulent account from XXXX ( XXXX XXXX XXXX ), which has again appeared on my credit report as of XX/XX/year>. 
This account has already been confirmed to be fraudulent by the original creditor, XXXX XXXX XXXX. I am a victim of identity theft and have provided full documentation, including police reports, affirming that this account was opened without my knowledge or consent. 

Despite this, Experian continues to reinsert this accountfive times noweach time without proper notice or legal basis, in clear violation of the Fair Credit Reporting Act ( FCRA ). Ive been told by Experian representatives that there is no glitch in our system, yet when I speak to fraud specialists at XXXX XXXX XXXX, they confirm that they do not resubmit or reverify fraudulent accounts, and they are not in the business of victimizing identity theft survivors. This contradiction reveals either a critical internal failure or willful negligence on Experians part. FCRA Violations by Experian : 1. Reinsertion Without Legal Notice Un
der 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency must notify the consumer in writing within five business days of any reinsertion, including the name of the furnisher and a certification of accuracy.

Experian failed to notify me in all five instances.

2. Re-reporting Information Known to Be Fraudulent Per 15 U.S.C. 1681c-2, once a consumer provides proof ( such as a police report ) that an account is the result of identity theft, a CRA is prohibited from including it in the consumer report unless the furnisher provides specific certification of accuracy. 
XXXX XXXX XXXX has not certified this account. In fact, they have confirmed it is fraudulent and should not be reported. 

XXXX. Negligent and Willful Violations of Accuracy Obligations According to 15 U.S.C. 1681e ( b ), Experian must ensure maximum possible accuracy in credit reporting. Reinserting fraudulent information repeatedly is a direct contradiction of this legal requirement.

4. Abuse of Power & Consumer Harm The repeated appearance of this fraudulent account demonstrates a gross abuse of Experians role and authority. Victims of identity theft deserve protectionnot further damageunder the FCRA.

Attached Supporting Documents : Most recent utility bill confirming my current address XXXX XXXX 's business card with signature and report number Signed identity theft police report submitted at the station The investigating officer explained that due to changes after the XXXX pandemic, victims may submit reports online. Once approved, the reports are emailed back to the victim.

However, I went in person to the police station, and the officer physically signed the report and provided a signed business card to confirm my identity theft case is legitimate.

I Demand the Following Actions from Experian Immediately : 1. Permanent deletion of the XXXX fraudulent account XXXX. Blocking of any future reinsertion attempts under FCRA XXXX XXXX. Written explanation as to how this account continues to reappear XXXX. Name and contact information of the furnisher that allegedly reverified the account XXXX. A copy of the certification of accuracy ( if any was received from XXXX XXXX XXXX ) XXXX. Written confirmation that my dispute and documentation have been reviewed in full compliance with the FCRA If these demands are not met within XXXX calendar days, I will proceed to file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) California State Attorney Generals Office Additionally, I will pursue my right to seek statutory and punitive damages in civil court under 15 U.S.C. 1681n and 1681o for Experians willful and negligent noncompliance. 

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