Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
FINAL NOTICE OF INTENT TO SUE XXXX DATA BREACH, FRAUDULENT ACCOUNT REINSERTION, FCRA, FACTA VIOLATIONS From : XXXX XXXX name address XXXX XXXX XXXX Date : XX/XX/XXXX RE : Illegal Reinsertion of Fraudulent Identity Theft Account Immediate Deletion and Final Demand Before Litigation Dear Experian Compliance Department, This letter is to formally notify you of serious legal violations regarding the unlawful reinsertion of fraudulent accounts on my credit file accounts that are directly linked to identity theft and data breaches, including your own notorious XXXX breach compromising millions of Americans ' sensitive data. 
You are now in direct violation of multiple federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion of information without proper notice and without certification of accuracy FCRA 1681c-2 Failure to block information resulting from identity theft FCRA 1681s-2 ( b ) Failure of furnishers to properly investigate and verify disputed information Fair and Accurate Credit Transactions Act ( FACTA ) Mishandling identity theft claims Consumer Protection Laws enforced by the CFPB Deceptive Practices Acts under State Law I have previously disputed these fraudulent accounts and demanded their permanent deletion. 
You failed to comply with FCRA obligations and wrongfully reinserted the following accounts without : Providing me with the legally required notice within 5 business days of reinsertion, Receiving certification of accuracy from the furnisher as required by law, Conducting a reasonable investigation to verify authenticity, Providing any documented proof from the furnisher demonstrating that these accounts are legitimate. 
Fraudulent Reinserted Account ACHIEVEPL {$19000.00} # XXXX opened XXXX Legal and Financial Liability You Now Face : Statutory Damages ( FCRA ) : Up to {$1000.00} per violation Actual Damages : Including denials of credit, financial losses, emotional distress currently estimated at $ XXXX Punitive Damages : For willful noncompliance Attorneys Fees and Costs of Litigation Civil Penalties under State Consumer Protection Laws TOTAL LIABILITY EXPOSURE : Currently estimated at $ XXXX, subject to increase pending litigation Additionally, the Consumer Financial Protection Bureau XXXX CFPB ) has initiated enforcement actions against credit reporting agencies for their repeated failures to protect consumer rights and refusal to properly investigate disputes particularly involving data breach victims like myself. 
You are hereby put on notice that if these fraudulent, reinserted accounts are not immediately and permanently deleted, I will : File a lawsuit in State and Federal Court seeking the maximum available damages, File complaints with the CFPB, FTC, and my State Attorney General, Join or initiate a class action lawsuit related to the Experian breach and post-breach misconduct, Seek treble damages where permitted by law under consumer fraud statutes.

IMMEDIATE DEMANDS : 1. Permanently delete all fraudulent and unlawfully reinserted accounts from my Experian credit report.

2. Send me written confirmation of all deletions and corrections within 15 calendar days.

3. Provide the full documentary evidence received from any furnisher allegedly validating the reinserted accounts.

4. Cease any further reporting, furnishing, or collection activity on these accounts.

If you fail to comply with these demands, you will leave me no choice but to escalate this matter aggressively in court, seeking maximum statutory, actual, punitive, and emotional distress damages, along with attorneys fees and litigation costs. 
This is your FINAL WARNING. 
No further communication will be provided before filing suit. 
Govern yourselves accordingly. 
Sincerely, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX Experian & XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at acct XXXX XXXX XXXX opened XXXX, Acct XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX opened XXXX XXXX I do not recognize the accounts and collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

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