Product: Credit reporting or other personal consumer reports

Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. XXXX CC : Experian Information Solutions , Inc . 
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 XXXX XXXX )  Subject : Continuation of CFPB Complaint Against Experian & Creditors Willful Noncompliance with FCRA, Selective Reporting, and Deceptive Credit Practices Dear CFPB Representative, I am filing this escalated complaint against Experian and multiple furnishers for ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My previous complaint was completely ignored, despite Experians ongoing legal issues and failure to correct its unlawful credit reporting practices. 

This complaint reinforces Experians continued pattern of fraudulent conduct, as cited in the CFPBs lawsuit against Experian, and exposes the furnishers who knowingly failed to update all credit bureaus after deleting accounts from Equifax and TransUnion. 

1. Willful Violation of FCRA Experians Refusal to Remove Previously Deleted Accounts The following accounts were deleted from Equifax and TransUnion but remain on Experian, proving that Experian is refusing to conduct a lawful reinvestigation : XXXX XXXX  Removed from Equifax & TransUnion but remains on Experian. 
XXXX XXXX  Removed from Equifax & TransUnion but still reported by Experian. 
XXXX XXXX XXXX  Removed from TransUnion but remains on Experian. 
XXXX XXXX XXXX ( Multiple Accounts ) Removed from TransUnion, yet Experian refuses to update its records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Removed from TransUnion but still reported by Experian. 
XXXX XXXX XXXX Removed from both Equifax & TransUnion but continues to appear on Experian. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Deleted from TransUnion but remains on Experian. 

FCRA Violation : Under FCRA 1681e ( b ) & 1681i ( a ) ( 5 ), Experian is legally required to ensure that any disputed account is properly investigated and removed if found to be inaccurate, unverifiable, or incomplete. 

Clear Evidence of Fraud : If Equifax and TransUnion removed these accounts, it proves the furnishers could not verify them, meaning Experian is knowingly misreporting fraudulent data. 

2. Failure of Creditors to Update All Bureaus ( FCRA 623 ( b ) ) Each creditor listed above was legally required to update ALL credit bureaus when an account was corrected or deleted, as required under FCRA 1681s-2 ( b ) ( 1 ) ( D ). Instead, these furnishers selectively updated Equifax and TransUnion while leaving false information on Experian. 

FCRA Violation : The law mandates that creditors who furnish data must report updates across all nationwide CRAs to ensure consistency. Failure to do so is not just negligence but willful deception. 

Intentional Harm : These furnishers have created a false and misleading credit profile that does not reflect my true credit standing, which is legally actionable under FCRA 1681n. 

3. Experians Pattern of Sham Investigations The Same Conduct Cited in CFPB Lawsuit Experians handling of my disputes follows the same illegal pattern cited in the CFPBs lawsuit against Experian, where : Experian refuses to conduct legitimate investigations, instead using automated systems to dismiss disputes. 
Experian knowingly reports outdated, unverifiable data, harming consumers with inaccurate information. 
Experian allows creditors to pick and choose where they update records, violating federal law. 

CFPB Must Take Immediate Action : The CFPB has already sued Experian for this exact behavior, meaning Experian is ignoring federal enforcement actions and continuing its unlawful practices. 

4. FTC Complaint for Deceptive Practices Against Experian & Creditors Because Experian and these furnishers have knowingly engaged in deceptive and misleading credit reporting, I have also filed an official complaint with the FTC, citing : Experians deliberate failure to remove inaccurate data. 
Furnishers refusal to update all bureaus uniformly, creating a deceptive financial image. 
Unfair and deceptive acts or practices ( 15 U.S.C. 45 ), violating the FTC Act. 

Regulatory Action Required : These furnishers should face full regulatory penalties for failing to follow FCRA compliance. 

5. Legal Consequences Preparing to Sue Experian & Furnishers for FCRA Violations If Experian and these furnishers do not correct these violations immediately, I will : Pursue legal action under FCRA 1681n for willful violations, seeking : Statutory damages of up to {$1000.00} per violation. 
Actual damages for financial harm caused by inaccurate reporting. 
Punitive damages for reckless noncompliance with federal law. 
Demand the CFPB impose financial penalties against Experian for its continued pattern of unlawful reporting. 

6. Immediate Action Required Final Demand Before Further Escalation To resolve this matter without further litigation, I demand the following actions within 10 business days : 1. Experian must immediately remove all disputed accounts since they were removed from Equifax and TransUnion. 
2. All furnishers must provide written proof of their updates across all bureaus or risk legal action. 
3. Experian must disclose the full details of its investigation, including : The specific verification documents it used to confirm these accounts. 
All communications between Experian and the furnishers. 
The exact reason why Experian continues reporting what other bureaus have deleted. 
4. Experian and the furnishers must provide an official certification of accuracy for any remaining accounts. 

Failure to comply within 10 business days will result in : A second CFPB complaint citing Experians repeat violations despite prior enforcement actions. 
A formal request for additional regulatory fines against Experian and the furnishers. 
A federal lawsuit against Experian and all furnishers for FCRA violations. 

7. Final Notice No Further Warnings Experians bad-faith investigations, refusal to comply with the FCRA, and collusion with furnishers to harm consumers must end. This is the last opportunity for Experian and the furnishers to correct these violations before full legal escalation. 

I expect immediate resolution, or this matter will be taken to the next level. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX