Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Experian Information XXXX, XXXX Attn : Compliance & Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX Re : * * Immediate Reinsertion of Accurate Tradelines & Deletion of Fraudulent Account * * Report NosXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 605B, 611 ( a ) ( 5 ) ( B ) ; FACTA 112 To Whom It May Concern : I am formally notifying Experian that your handling of my credit file has violated multiple provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and FACTA. Specifically : 1. * * Wrongful Deletion of an Accurate, Positive Tradeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Authorized User Open / Never Late * * deleted * without my request. 
_Report # XXXX ( generated XX/XX/XXXX ) clearly shows this improper deletion._ XXXX. * * Improper Dispute Flag on an Accurate Mortgage Tradeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Transferred/Closed / Never Late * placed into dispute status without my authorization. 
XXXX Report # XXXX XXXX. * * Failure to Delete a Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, showing severe delinquencies through XX/XX/XXXX. 
This account is the product of identity theft and is disputed under * * FCRA 605B * *.

These acts constitute willful and/or negligent non-compliance with * * FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ), 605B * *, and * * XXXX XXXX * * ( 15 U.S.C. 1681c-1 ). Experian has failed to employ reasonable procedures to assure maximum possible accuracy and has disregarded my explicit instructions.

-- - DEMAND FOR IMMEDIATE CORRECTIVE ACTION Within * * 5 business days * * of receipt of this letter, Experian must : 1. * * Reinsert * * the XXXX XXXX tradeline with all prior positive history intact. 
XXXX. * * Remove * * all dispute language, codes, or comments from the XXXX XXXX XXXX XXXX. 
3. * * Delete * * the XXXX XXXX account in its entirety and block its reinsertion absent certified proof of my liability, per * * 605B ( b ) * *.

4. Provide me with a * * reissued credit report * * showing the above corrections and a written statement of the procedure ( s ) used, per * * 611 ( a ) ( 6 ) * *.

Failure to comply will trigger the pursuit of statutory damages, actual damages, costs, and attorney fees under * * FCRA 616 & 617 * *.

DEMAND FOR IMMEDIATE CORRECTIVE ACTION Within * * 5 business days * * of receipt of this letter, Experian must : 1. * * Reinsert * * the XXXX XXXX tradeline with all prior positive history intact. 
XXXX. * * Remove * * all dispute language, codes, or comments from the XXXX XXXX XXXX XXXX. 
XXXX. * * Delete * * the XXXX XXXX account in its entirety and block its reinsertion absent certified proof of my liability, per * * 605B ( b ) * *. 
XXXX. Provide me with a * * reissued credit report * * showing the above corrections and a written statement of the procedure ( XXXX ) used, per * * XXXX ( a ) ( XXXX ) * *. 


Failure to comply will trigger the pursuit of statutory damages, actual damages, costs, and attorney fees under * * FCRA 616 & 617 * *.

DEMAND FOR IMMEDIATE CORRECTIVE ACTION Within * * 5 business days * * of receipt of this letter, Experian must : XXXX. * * Reinsert * * the XXXX XXXX tradeline with all prior positive history intact. 
XXXX. * * Remove * * all dispute language, codes, or comments from the XXXX XXXX XXXX XXXX. 
XXXX. * * Delete * * the XXXX XXXX account in its entirety and block its reinsertion absent certified proof of my liability, per * * 605B ( b ) * *.

4. Provide me with a * * reissued credit report * * showing the above corrections and a written statement of the procedure ( s ) used, per * * 611 ( a ) ( 6 ) * *.

Failure to comply will trigger the pursuit of statutory damages, actual damages, costs, and attorney fees under * * FCRA 616 & 617 * *.

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