Consumer complaint received 2025-04-22 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:
Subject : Formal Dispute of Reinserted Fraudulent Accounts Violation of FCRA To Whom It May Concern, I am writing to file a formal dispute regarding the reappearance of two fraudulent accounts on my credit report, both of which were reinserted by Experian as of XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ). 
The following accounts were fraudulently opened in my name without my consent and were previously investigated and confirmed as fraudulent by the original creditor, XXXX XXXX XXXX : XXXX. XXXX Account XXXX. : XXXX XXXX : {$12000.00} XXXX. XXXX XXXX Account XXXX. : XXXX Balance : {$13000.00} These accounts were rightfully removed from my credit file after fraud was confirmed. However, Experian has now unlawfully reinserted them, constituting serious violations of federal law and an unacceptable breach of consumer trust. 

Experians Violations of the FCRA : 1. Failure to Provide Written Notice of Reinsertion Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), a consumer reporting agency that reinserts previously deleted information must notify the consumer in writing within five business days, including the name of the furnisher and a statement that the item was reinserted. 
I was not notified by Experian of the reinsertion of these accounts.

2. Prohibited Reinsertion of Fraudulent Accounts Per 15 U.S. Code 1681c-2, once an account is confirmed to be the result of identity theft and the consume
r has submitted appropriate documentation, the account may not be reinserted unless the furnisher certifies the information is accurate. 
These accounts were confirmed as fraudulent by XXXX XXXX XXXX. There is no legal basis for reinserting them into my report. 

3. Violation of Accuracy and Abuse of Authority According to 15 U.S. Code 1681e ( b ), Experian is required to maintain maximum possible accuracy of consumer reports. Reinserting fraudulent, already-removed accounts clearly violates this standard and may constitute an abuse of power and negligence on Experians part.

Demand for Immediate Action : I hereby demand that Experian : Immediately delete both fraudulent accounts listed above. 
Provide written confirmation of their removal. 
Disclose the name and address of the furnisher who reverified the information.

Explain why I was not notified in writing of the reinsertion as required by 1681i ( a ) ( 5 ) ( B ).

Provide a copy of any certification of accuracy received from the furnisher, if it exists. 

If this matter is not resolved within 15 days, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to take legal action for statutory and actual damages under 15 U.S. Code 1681n and 1681o.

This letter serves as a formal dispute under the FCRA. Enclosed are supporting documents, including prior communications with XXXX XXXX XXXX confirming the accounts fraudulent status. 

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