Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14675290
Complaint Overview
Complaint ID: 14675290
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 93030
Date Received: 2025-07-15T12:00:00-05:00
Date Sent to Company: 2025-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Between XXXX and XXXX, I discovered and disputed several fraudulent accounts on my credit reports. These accounts were opened in my name without my authorization and linked to identity theft, including false names such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and employment information like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. The disputed and deleted accounts include : XXXX XXXX ( Acct # : XXXX ) XXXX CARD ( Acct # : XXXX and XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) These accounts were deleted after disputes, but in XX/XX/XXXX, they were reinserted into my credit reports without proper written notice, in violation of the Fair Credit Reporting Act ( FCRA ). What laws were violated? FCRA XXXX ( a ) ( XXXX ) ( B ) : Requires written notice within XXXX business days of reinserting previously deleted information, along with the name, address, and phone number of the furnisher. FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or fraudulent. FCRA XXXX : Requires credit bureaus to block identity theft-related information upon receipt of a valid identity theft report. FCRA XXXX and XXXX : Provides for statutory or actual damages for willful or negligent noncompliance with FCRA. What would be a fair resolution? XXXX. Permanent deletion of all reinserted fraudulent accounts listed above from all credit bureaus ( Experian, Equifax, TransUnion ). XXXX. A written explanation detailing : The dates and reasons for the reinsertion of each account ; Whether the reinsertion was certified ; The name, address, and phone number of each furnisher, as required under FCRA XXXX ( a ) ( XXXX ) ( B ) ; Why no written notice was provided to me within XXXX business days. XXXX. Correction of all damage to my credit reports and scores caused by these reinserted accounts and false personal data. XXXX. Written assurance that these accounts and personal identifiers will not be re-reported in the future unless fully certified and legally verified in accordance with FCRA XXXX. XXXX. If the reinsertion occurred willfully or negligently, I request the CFPB pursue appropriate enforcement and statutory damages under FCRA XXXX and XXXX.
Frequently Asked Questions
What is Complaint #14675290 about?
Complaint #14675290 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-15T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.