Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a new complaint against Experian Information Solutions , Inc. for ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding unlawful reinsertion of fraudulent accounts, failure to remove unauthorized inquiries, failure to correct inaccurate personal data, and failure to provide proper verification. 
On XX/XX/year>, I submitted a fully documented identity-theft dispute to Experian, including my FTC Identity Theft Affidavit, government-issued ID, proof of address, proof of the XXXX data breach reference number, and a detailed dispute letter requesting removal of fraudulent accounts, inquiries, and inaccurate personal information. 
On XX/XX/year>, Experian removed the fraudulent accounts, including the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, but failed to remove the disputed unauthorized inquiries. 
On XX/XX/year>, Experian reinserted the XXXX XXXX account and marked it verified/updated in their portal without providing me the required written notice within XXXX ( XXXX ) business days, in violation of FCRA 611 ( a ) ( 5 ) ( B ). On XX/XX/year>, Experian reinserted the XXXX XXXX account in the same unlawful manner. At no time did Experian provide verification documentation or furnisher information as required by law. 
On XX/XX/scrub>XXXX XXXX XXXX I filed a CFPB complaint XXXX XXXX XXXXXXXX ) regarding the XXXX XXXX reinsertion. Experian has not provided an adequate resolution, and the fraudulent accounts and inquiries remain. In addition, Experian has reported inaccurate addresses on my credit file that do not belong to me, despite documentation showing my correct address is XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/year>, I mailed Experian a Final Demand Dispute Package and Invoice via certified mail. This package includes : Updated Final dispute letter demanding permanent deletion of the XXXX XXXX XXXX XXXX XXXX accounts, removal of unauthorized inquiries, and deletion of inaccurate addresses A XXXX block reinstatement demand pursuant to FCRA 605B ( b ) ( XXXX ) A detailed invoice demanding statutory damages, actual damages, and administrative costs for these violations Supporting evidence including copies of my XX/XX/year> dispute, FTC Identity Theft Affidavit, prior CFPB complaint response, dispute results, screenshots of reinserted accounts and inquiries, and certified mail receipt Experian is currently violating : FCRA 605B ( b ) ( 2 ) : Failure to maintain a block after receipt of identity-theft documentation.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to provide notice of reinsertion within five business days FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy ( accounts, inquiries, addresses ).

FCRA 609 ( a ) ( 1 ) : Failure to provide a meaningful method of verification.

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