Consumer complaint received 2025-06-13 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:
Date : XX/XX/XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Demand for Permanent Deletion of Fraudulent Reinserted Accounts and FCRA XXXX Dear Experian XXXX Department, I am writing to formally dispute the improper and unlawful reinsertion of XXXX previously deleted fraudulent accounts on my Experian credit report. The accounts in question are : XXXX. XXXX XXXX XXXX XXXX Bank XXXX {$12000.00} XXXX. XXXX XXXX {$12000.00} XXXX. XXXX XXXX {$13000.00} These accounts were permanently deleted multiple times due to confirmed identity theft. I have already submitted all required documentation, including my FTC Identity Theft Affidavit, police report filed with the XXXX, government-issued ID, and Social Security XXXX Experian has recklessly reinserted these accounts without any notification or justification. 

Worse, Experian has sent me multiple credit reports recentlyon XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX reports ), XXXX, XXXX, XXXX ( XXXX reports ), XXXX ( XXXX reports ), XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX reports ), and XX/XX/XXXX, XXXX none of those reports contained these fraudulent accounts. This clearly demonstrates that Experian has reinserted the accounts outside of the proper legal reinsertion procedures, without notifying me within XXXX business days as required by law.

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires that deleted information may only be reinserted after certification from the furnisher and that the consumer be notified in writing within 5 business days. I was never notified, and no such certification has been disclosed.

15 U.S.C. 1681c-2 ( FCRA 605B ) : Mandates that information resulting from identity theft must be blocked from a consumer 's credit report once proper documentation is received. You have already received this documentationrepeatedly. 
15 U.S.C. 1681e ( b ) : Requires Experian to follow reasonable procedures to assure maximum possible accuracy. Re-reporting fraudulent accounts without revalidation violates this standard.

15 U.S.C. 1681n and 1681o : Experians conduct reflects willful and negligent noncompliance, exposing the company to liability for statutory, actual, and punitive damages. 

Proof of Incompetence and Malicious Reinsertion : I have spoken directly with the Fraud Departments of both XXXX XXXX and XXXX XXXX, and both confirmed they are not re-reporting or revalidating these accounts. Therefore, Experian 's actions appear to be intentional, reckless, and harmful to my credit reputation. It feels as though Experian is deliberately trying to sabotage my credit profile, despite overwhelming evidence that these accounts are not mine. 

Formal Demands : 1. Immediately and permanently delete the following fraudulent accounts from my Experian credit file : XXXX XXXX XXXX XXXX Bank XXXX {$12000.00} XXXX Card {$12000.00} XXXX Card {$13000.00} 2. Block reinsertion of these accounts under FCRA 1681i ( a ) ( 5 ) ( C ) unless proper validation is obtained and you provide written certification and timely notice.

3. Provide a written explanation of how these accounts were reinserted without proper notification or certification from the furnishers. 

4. Investigate and review Experians reinvestigation procedures and internal controls to ensure full compliance with the FCRA. 

Failure to comply will result in my filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all legal remedies available under 15 U.S.C. 1681n & 1681o. 

I expect your immediate attention to this matter and a full resolution within the time frame mandated by federal law. 

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