Consumer complaint received 2025-04-19 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: CA

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint Against Experian and TransUnion for Repeated Reinsertion of Fraudulent Account in Violation of FCRA Dear CFPB, I am writing to formally complain about Experian and TransUnion 's repeated reinsertion of a fraudulent account into my credit reports, despite prior confirmations of its inaccuracy. This action violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Details of the Issue : Fraudulent Account : The account in question is listed as " XXXX XXXX '' with a balance of {$12000.00}. This account has been confirmed as fraudulent and unrelated to my credit history. 
Repeated Reinsertion : Despite its removal, this account has been reinserted into my credit reports by both Experian and TransUnion on XXXX separate occasions. 
Lack of Proper Notification : I have not received the mandatory written notice within XXXX business days of each reinsertion, as required by the FCRA. 
Refusal to Permanently Block : Both credit bureaus have declined to place a permanent block on this fraudulent account, citing that the creditor can continue to reinsert the account indefinitely. 

Violations of Consumer Protection Laws : XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : This section prohibits the reinsertion of previously deleted information unless the furnisher certifies its accuracy and the consumer is notified within XXXX business days. The repeated reinsertion of the fraudulent account without proper certification and notification violates this provision. 

XXXX. XXXX XXXX. XXXX : This section establishes civil liability for willful noncompliance with FCRA requirements. The deliberate reinsertion of a known fraudulent account indicates willful noncompliance. 

XXXX. XXXX XXXX. XXXX : This section establishes civil liability for negligent noncompliance with FCRA requirements. Even if the reinsertion was not willful, the failure to follow proper procedures demonstrates negligence. 

XXXX. XXXX XXXX. XXXX : This section limits the permissible purposes for which consumer reports can be furnished. Including fraudulent information in my credit report without a legitimate purpose violates this provision. 

XXXX. XXXX XXXX. XXXX : This section obligates financial institutions to protect the privacy of consumer information and prevent unauthorized disclosures. The repeated inclusion of fraudulent information compromises my privacy rights. 

Requested Resolution : I respectfully request that the CFPB : XXXX. Investigate the repeated reinsertion of the fraudulent " XXXX XXXX '' account by Experian and TransUnion. 

XXXX. Ensure that both credit bureaus comply with FCRA requirements, including proper notification and certification procedures for reinserted information. 

XXXX. Mandate the permanent removal and blocking of the fraudulent account from my credit reports. 

XXXX. Take appropriate enforcement action against Experian and TransUnion for any confirmed violations of consumer protection laws. 

I am prepared to provide any additional information or documentation required to support this 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