Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
I am writing to formally complain address a serious violation of the Fair Credit Reporting Act ( FCRA ) regarding the unauthorized reinsertion of multiple accounts that were previously deleted from my credit report due to verified identity theft. 

My initial complaint was CFPB XXXX on XX/XX/XXXX and accounts should have been deleted per Identity Theft Filing & FCRA 605B in 4 business days and today is XX/XX/XXXX and they remain on my file Reinserted Accounts Without Required Notice : The following accounts were previously deleted and have now been reinserted as of XX/XX/XXXX without any written notice within the legally required five business days, as mandated by FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) : XXXX Account # XXXX XXXX {$180.00} XXXXXX/XX/XXXX Account # XXXX XXXX {$2500.00} XXXXXX/XX/XXXXAccount # XXXX Amount {$720.00} XXXX XX/XX/XXXX Account XXXX XXXX ( and 8 additional accounts Total of 9 ) FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notification of Reinsertion Requirement : " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion ... '' To date, I have not received any written notification of the reinsertions as required by law. This constitutes a clear violation of federal regulations.

Identity Theft Filing & FCRA 605B Fraudulent Accounts : In accordance with FCRA 605B, I submitted a valid identity theft report regarding these accounts. Under this provision : " ... a consumer reporting agency shall block the reporting of any information identified in the report of identity theft not later than 4 business days after receiving : 1.Proof of identity, Bill 2.A copy of the identity theft report, 3.Identification of the fraudulent information, and 4.A statement from the consumer. '' 5. Proof of Deletions All of the above has been sent via attachment on CFPB complaint and sent priority mail and they received. 

Experians failure to permanently block these fraudulent accounts in compliance with 605B is a second violation of federal law. 

Legal Precedent : You will be held liable for willful non-compliance as established in : XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ) In which the court found a credit reporting agency liable for willful failure to comply with FCRA guidelines. 

Formal Demands : 1.Immediate removal of the reinserted accounts.

2.Written explanation of the basis for the reinsertion.

3.A copy of any contract or instrument bearing my signature used to verify these accounts. 

Written confirmation of full compliance with FCRA 611 and 605B. 

If these issues are not resolved within 15 days, I will pursue further actions including but not limited to : Filing additional complaints with the CFPB, FTC, and Georgia Attorney Generals Office. 
Initiating a small claims action seeking up to {$5000.00} in damages for : 1.Defamation 2.Negligent Enablement of Identity Fraud 3.Willful Violation of the FCRA I am maintaining documented records of all communications and am prepared to pursue all available legal remedies.

This situation is having a devastating effect on my life. As a result of the unauthorized reinsertion of fraudulent and previously deleted accounts on my Experian credit report, I have been denied credit, including a recent application for a personal loan and a credit card, both of which I needed to cover essential expenses and rebuild financial stability.

These false and misleading entries have severely damaged my credit score, leading to emotional distress, embarrassment, and hardship. Ive been unable to access competitive interest rates, was turned away from a housing opportunity, and am now facing increasing financial pressure. 

What makes this worse is that I did everything right : I filed an identity theft report, submitted all required documentation, and obtained confirmation that these fraudulent accounts were removed. For them to be reinserted without my knowledge or consent and in clear violation of federal law has left me feeling helpless and violated. 

I am urgently requesting that these inaccuracies be permanently removed and that my rights under the Fair Credit Reporting Act be honored without further delay or obstruction.

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