Consumer complaint received 2025-07-17 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: VA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding serious violations of federal and state law by XXXX XXXX XXXX and Equifax, Experian, TransUnion This matter requires immediate attention and full resolution within XXXX hours of receipt. 

Several months ago, a fraudulent account from XXXX XXXX XXXX was properly investigated, found to be unauthorized, and removed from my credit reports by the consumer reporting agencies. Under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), this account was also blocked from future reporting. 

However, as of [ insert date ], this same account has been willfully and unlawfully reinserted into my Equifax credit file. This reinsertion violates multiple provisions of federal law, including but not limited to : FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishing information known to be inaccurate. 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Prohibiting reappearance of deleted data without proper notice. 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Barring re-reporting of blocked information. 
XXXX XXXX. XXXX ( b ) : Failure to perform reasonable investigations of disputed information. 

In addition, multiple unauthorized hard inquiries have appeared on my credit file from various sources without my consent or permissible purpose under FCRA XXXX ( a ) ( XXXX ). These inquiries are fraudulent and must be permanently deleted immediately. 

DEMAND FOR IMMEDIATE ACTION I demand the following remedies without delay : XXXX. Permanent deletion and blocking of all XXXX XXXX XXXX reporting from all consumer reporting agencies ( Equifax, Experian, TransUnion, XXXX ). 
XXXX. Removal of all unauthorized inquiries from all parties that lack my explicit consent. 
XXXX. Written confirmation from Equifax and all relevant furnishers that these deletions have been completed and that no further reporting will occur. 

LEGAL CONSEQUENCES FOR NON-COMPLIANCE Please be advised that willful noncompliance exposes Equifax and XXXX XXXX XXXX to liability under : FCRA XXXX and XXXX for actual, statutory, and punitive damages ( up to {$1000.00} per violation ). 
XXXX XXXX. XXXX : For willful violations with potential punitive damages. 
State Consumer Protection Laws ( e.g., Virginia XXXX XXXX XXXX XXXX or applicable statutes in [ your state ] ). 

If these issues are not fully resolved within XXXX hours of receipt, I will escalate by filing additional complaints with : The Federal Trade Commission ( FTC ) My State Attorney Generals Office The Office of the Comptroller of the Currency ( XXXX ) Initiating a civil action in federal court for damages, injunctive relief, and attorneys fees. 

This matter is highly urgent and must be corrected immediately to prevent further harm to my credit and financial standing.

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