Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Identity Theft Improper Reinsertion of Fraudulent Accounts and Continued Billing To Whom It May Concern, I am a documented victim of identity theft and have submitted both an FTC Identity Theft Report and a police report to all three major credit bureaus : XXXX, Experian, and XXXX. These reports confirmed that my personal information was compromised and used to take over my credit card accounts. 
Initially, the fraudulent accounts were removed from my credit reports. However, they were later reinserted without proper notice or documentation, which violates the Fair Credit Reporting Act ( FCRA ). Specifically : I was not notified in writing within XXXX business days of the reinsertion, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

I was not provided with a copy of the verification or certificate that Experian claims was submitted by the creditor. 
The accounts were charged off, yet creditors continue to send bills and report late payments, causing ongoing damage to my credit. 
Additionally, I was affected by the data breaches at all three credit bureaus, which exposed my personal information and likely contributed to the identity theft. Despite providing all required documentation, the credit bureaus and creditors have failed to permanently remove the fraudulent accounts or cease billing activity. 
I am requesting that the CFPB investigate the following : 1. Improper reinsertion of fraudulent accounts without notice or documentation 2. Continued billing and reporting of debts resulting from identity theft 3. Failure to comply with FCRA and FDCPA requirements 4. Negligence related to the credit bureau data breaches Please ensure that all fraudulent accounts are permanently removed from my credit reports and that creditors cease all billing and reporting activity related to these accounts. 
Identity Theft Improper Reinsertion of Fraudulent Accounts and Continued Billing I am a documented victim of identity theft and have submitted both an FTC Identity Theft Report and a police report to all three major credit bureaus : Equifax, Experian, and XXXX. These reports confirmed that my personal information was compromised and used to take over my credit card accounts. 
Initially, the fraudulent accounts were removed from my credit reports. However, they were later reinserted without proper notice or documentation, which violates the Fair Credit Reporting Act ( FCRA ). Specifically : I was not notified in writing within XXXX business days of the reinsertion, as required under FCRA Section 611 ( a ) ( 5 ) ( B ).

I was not provided with a copy of the verification or certificate that Experian claims was submitted by the creditor. 
The accounts were charged off, yet creditors continue to send bills and report late payments, causing ongoing damage to my credit. 
Additionally, I was affected by the data breaches at all three credit bureaus, which exposed my personal information and likely contributed to the identity theft. Despite providing all required documentation, the credit bureaus and creditors have failed to permanently remove the fraudulent accounts or cease billing activity. 
I am requesting that the CFPB investigate the following : 1. Improper reinsertion of fraudulent accounts without notice or documentation 2. Continued billing and reporting of debts resulting from identity theft 3. Failure to comply with FCRA and FDCPA requirements 4. Negligence related to the credit bureau data breaches Please ensure that all fraudulent accounts are permanently removed from my credit reports and that creditors cease all billing and reporting activity related to these accounts. 



Sincerely, XXXX XXXX XXXX XXXX, NC 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