Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XXXX  Subject : Reinserted Fraudulent Account Formal Dispute and Immediate Deletion Demand Violation of FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), 1681s-2 ( a ) ( 1 ) ( A ), 1681b, 1681c, and 605B Dear [ Experian / Equifax / TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute and demand the permanent removal of a fraudulent and reinserted account that violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). This account was previously deleted due to identity theft, supported by my sworn FTC Identity Theft Report ( # XXXX ), and has now wrongfully reappeared. 

Fraudulent Account Information : Creditor Name : XXXX XXXX XXXX XXXX Original Creditor : [ XXXXXXXX XXXX ] Reported Open Date : XX/XX/XXXX Reported Activity : One month of payment history XXXX Balance : {$6700.00} Status : In Collection ( reappeared after deletion ) This account is a direct result of identity theft. As shown in my FTC Identity Theft Report, I did not authorize this account, I have never had any dealings with XXXX XXXX XXXX, and I did not open any account with the alleged original creditor. The timeline of reported activity is also inconsistent and misleading : it falsely reflects the account being opened in XXXX but only reports one month of payment history in XXXX, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which requires furnishers to report accurate and complete data. 

Violations : 1. Reinsertion Without Notice 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserted accounts must provide written notice within five business days of reinsertion. I received no such notification.

2. Accuracy of Reporting 15 U.S.C. 1681s-2 ( a ) Furnishing incomplete or misleading data, such as false payment history and incorrect account dates, is prohibited.

3. Identity Theft Protections 15 U.S.C. 1681c-2 ( Section 605B ) Once notified with proper documentation, credit bureaus and furnishers must block all fraudulent information from a consumers file. You have received : My FTC Identity Theft Report My sworn statement of fraud Identification of the fraudulent account A written declaration under penalty of perjury 4. Lack of Permissible Purpose 15 U.S.C. 1681b No valid reason exists to report an account known to be fraudulent.

5. Obsolete/Misleading Reporting 15 U.S.C. 1681c Accounts with fabricated timelines or lacking original supporting documents must not be reported. 

DEMAND FOR IMMEDIATE ACTION : I hereby demand that you : Immediately delete the XXXX XXXX XXXX XXXX account from my credit file, and ensure it is blocked from reinsertion per Section 605B.

Cease all further reporting of this account.

Provide written confirmation of the accounts permanent deletion within 15 days of receipt of this notice.

Explain in writing how and why this deleted fraudulent account was reinserted without proper notification.

Failure to comply will result in legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). I am prepared to escalate this case with the CFPB, FTC, and Attorney General if this matter is not resolved immediately. 

Sincerely, XXXX XXXX FTC Report # XXXX Date of FTC Filing : XX/XX/XXXX XXXX Without Prejudice

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