Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
Re : Unlawful Reinsertion of Fraudulent Collection Accounts by XXXX XXXX XXXX XXXX. 

Dear Rent Bureau, XXXX, Experian, XXXX I am demanding that you immediately and permanently remove the following fraudulent and unverified collection accounts that XXXX XXXX XXXX XXXX continues to unlawfully reinsert after multiple disputes and deletions. This is a direct violation of federal consumer protection laws, and your failure to prevent this misconduct is making your company look highly untrustworthy and unethical. 

Fraudulent Accounts Reported by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$450.00} ( Date Placed : XX/XX/XXXX ) XXXX XXXX XXXX {$3600.00} ( Date Placed : XXXX XXXX, XXXX ) These accounts do not belong to me. I have never applied for, contacted, or signed any contracts with these companies. They have already been disputed via certified mail with proof of receipt, yet XXXX XXXX XXXX continues to reinsert them illegally. Your decision to allow these unlawful actions is damaging your credibility and exposing your company to lawsuits and regulatory action. 

Additionally, my personal information was compromised in a data breach, which may have led to fraudulent accounts appearing on my credit and rental history. Your continued reporting of these accounts is not only illegal but is actively harming my financial standing and making your company look negligent and unprofessional. 

CEASE & DESIST YOU ARE IN VIOLATION OF FEDERAL LAW 1. You Are Violating the Fair Credit Reporting Act ( FCRA ) FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertions Reinserted accounts must be verified and accompanied by written noticeyou have failed to do so. 
XXXX XXXX XXXX has already deleted these accounts previously, yet you continue to allow them to be re-reported. 
FCRA 623 ( a ) ( 3 ) Duty to Provide Accurate Information You are knowingly misreporting fraudulent debts, violating federal law.

Reporting unverifiable accounts after deletion is illegal and will not be tolerated.

2. You Are Violating the Fair Debt Collection Practices Act ( FDCPA ) FDCPA 809 ( b ) Failure to Validate Debt A debt collector must provide full legal validation proving ownership and the right to collect. 
XXXX XXXX XXXX has failed to do this, yet you continue to report their unlawful claims. 

3. You Are Illegally Facilitating the Harassment of Consumers Multiple lawsuits have already been filed against your company for these same violations.

Allowing fraudulent reinsertion after deletion reflects extremely poorly on your companys reputation and demonstrates willful noncompliance.

This misconduct is not going unnoticed, and consumers are increasingly aware of your companys failure to uphold fair reporting standards. 

FINAL DEMAND YOU HAVE XXXX HOURS TO COMPLY IMMEDIATELY REMOVE these accounts from my rental screening reports and all associated databases. 
Cease and desist from reporting or verifying these accounts unless full legal validation is provided. 
Provide written confirmation that these accounts have been permanently removed. 
Send an updated copy of my rental screening report via email once these accounts have been removed. 

FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If these fraudulent accounts are not permanently removed within XXXX hours, I will take the following actions : Initiate legal action against your organization for willful noncompliance, damages, and violation of federal laws. 
Request a full federal investigation into your continued allowance of fraudulent account reinsertion. 
Publicly expose your companys role in allowing fraudulent reporting and ignoring consumer rights. 

THIS IS YOUR FINAL WARNING. STOP ALLOWING XXXX XXXX XXXX XXXX TO VIOLATE FEDERAL LAW. 

Your companys reputation is already suffering from lawsuits and consumer complaints regarding these exact violations. If you continue down this path, you will face even greater scrutiny, legal consequences, and irreparable reputational damage. 

Remove these fraudulent accounts immediately, or be prepared to face legal and regulatory action. 

Sincerely, XXXX 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