Consumer complaint received 2025-11-19 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:
FORMAL COMPLAINT & DEMAND FOR PERMANENT DELETION/BLOCKING OF FRAUDULENT ACCOUNTS To : Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Mixed File, System Malfunction, and Repeated Reinsertion of Fraudulent Accounts ( FCRA/FACTA Violations ) To Whom It May Concern, I am submitting this formal dispute to address severe, ongoing, and escalating FCRA and FACTA compliance failures within Experians system. My credit file is being repeatedly corrupted by Experians own system errors, mixed-file conditions, and unauthorized reinsertion of fraudulent accounts that have been confirmed deleted, only to reappear on my credit report every other week for approximately XXXX year. 
The XXXX fraudulent/mixed-file accounts Experian continues to mishandle are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} Both of these accounts are not mine, have been deleted multiple times, and have been explicitly confirmed as the result of a mixed file, per my previous conversations with XXXX in Experians Special Handling Department. XXXX personally documented notes stating that these accounts appear because my file is being mixed with another consumer, which is a direct violation of your federal obligations under the FCRA. 
EXPERIANS SYSTEM IS MALFUNCTIONING & FAILING TO UPDATE ACCURATELY On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian sent me confirmation that both fraudulent/mixed-file accounts were deleted. I have written proof of the deletions. However, at XXXX XXXX XXXX XXXX  ) on the same day, both accounts still appear on my Experian credit report. 
In addition, Experian has been sending me continuous, automated, inaccurate, and unauthorized dispute result emails, including but not limited to : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Repeated dispute result emails for disputes I did not file XX/XX/XXXX & XX/XX/XXXX Multiple address dispute notifications I did not file This is indisputable evidence that Experians system is malfunctioning, mismanaging data, inserting false disputes, and failing to properly maintain or update information. These malfunctions have created serious consumer harm. 
FRAUDULENT ACCOUNTS + MIXED FILE = SERIOUS FCRA VIOLATIONS Per FCRA 602, 607 ( b ), 609, 611, 613, 623, and FACTA Identity Theft Provisions, Experian is legally required to : Maintain maximum possible accuracy Prevent mixed-file conditions Correct identity theft accounts immediately Block fraudulent information under FCRA 605B Prevent reinsertion unless strict procedural requirements are met under 611 ( a ) ( 5 ) ( B ) Conduct a reasonable reinvestigation Maintain reasonable procedures to ensure accuracy Notify me of the source of information and all data furnishers Never insert or reinsert unverifiable or fraudulent data Experian has failed all of these requirements.

REINSERTION VIOLATIONS Both fraudulent accounts have been deleted multiple times but Experian continues to reinsert them without providing the mandatory written notice required under FCRA 611 ( a ) ( 5 ) ( B ), which mandates that : The bureau must receive certifiable, verifiable documentation from the furnisher, The bureau must notify the consumer within 5 business days of reinsertion, The bureau must provide the furnishers certification of accuracy, Reinsertion can not occur unless the information is verified as accurate. 
Experian has never provided me with any of these required documents. Therefore, these reinsertions are illegal. 
CREDITORS CONFIRMED THEY ARE NOT REINSERTING ANYTHING Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX have confirmed that they are not re-reporting or re-inserting these fraudulent accounts. This proves the issue is within Experian, not the furnishers. 
DEMAND FOR IMMEDIATE ACTION I am demanding that Experian : Permanently delete and block XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} Apply an FCRA 605B identity theft block to both accounts. 
Correct the mixed-file condition immediately. 
Provide a detailed written explanation of : Why Experians system is generating false dispute reports Why Experians system shows deletions internally, but not externally Why illegal reinsertion continues Why mandatory reinsertion notices have not been provided Provide documentation of all furnishers, data sources, and reinsertion certifications ( which I already know do not exist ). 
Confirm in writing that no further reinsertion can occur without my express written consent, as required by law. 
NOTICE OF FURTHER ACTION If these issues are not immediately corrected, I will escalate the matter to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Department of Financial Protection & Innovation ( DFPI ) My State Attorney General Legal counsel for federal FCRA enforcement Experians repeated errors, system failures, unauthorized reinsertions, and mishandling of my personal information constitute willful noncompliance under FCRA 616617, creating full legal liability for damages, statutory penalties, and attorneys fees.

FINAL NOTICE I expect immediate written confirmation that : These mixed/fraudulent accounts have been permanently removed, A 605B block has been applied, My file has been corrected and separated, No further reinsertions will occur, And Experians system errors affecting my file have been fully resolved. 
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