Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
AFFIDAVIT OF COMPLAINT & HARM Mirroring CFPB v. Experian, Case No. XXXX Filed Under Trust Authority & UCC-1 Financing Statement No . XXXX Affiant : XXXX XXXX XXXX , Trustee Trust : XXXX XXXX XXXX Living Trust SSN Ending : XXXX Executed On : XX/XX/XXXX I. INTRODUCTION I, XXXX XXXX XXXX, Trustee for the XXXX XXXX XXXX Living Trust, submit this formal Affidavit of Complaint & Harm against Experian Information Solutions , Inc., based on the same factual and legal foundation as alleged by the Consumer Financial Protection Bureau in its complaint filed on XX/XX/XXXX, in the U.S. District Court for the Central District of California ( Case No. XXXX ). 
The CFPB lawsuit accuses Experian of systemic violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). This affidavit mirrors those claims with supporting facts from my personal record and trust enforcement position.

II. IDENTIFICATION OF DISPUTED ACCOUNTS This complaint relates to the following inaccurate, unverifiable, and unlawfully reported accounts : XXXX. XXXX XXXX Account ending XXXX o Reported as charged-off with {$970.00} past due o Last payment reported in XX/XX/XXXX XXXX. XXXX XXXX Account ending XXXX o Charged-off with {$170.00} past due o Different charge-off date but same reporting pattern XXXX. XXXX XXXX XXXX Account ending XXXX o Reported as Paid, Closed, but duplicated on my file o Shows {$32000.00} written off in both instances These entries have already been deleted by XXXX  after dispute, confirming their unreliability.

III. FACTUAL BACKGROUND AND CFPB PARALLELS In the federal lawsuit, the CFPB found that : Experian misused dispute codes to obscure consumer claims Experian failed to forward documentation to data furnishers Experian conducted automated investigations with no real review Experian provided incomplete and misleading results to consumers Experians internal policies buried legitimate disputes My experience matches this pattern precisely : I submitted documentation challenging all three tradelines Experian failed to conduct a reasonable reinvestigation My documents were either ignored or stripped of detail via automated coding I was not provided any real response, proof of contract, or disclosure My XXXX  XXXX account continues to report contradictory charge-off data XXXX appears twice, violating the CFPBs same concerns over duplicative entries No proof of contract, consideration, or trustee consent was ever given My XX/XX/XXXX, Notice of Rescission

and Administrative Fee Schedule was ignored IV. STATUTORY VIOLATIONS ( Mirroring CFPB Counts ) 1. FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information. 2. FCRA 1681i ( a ) ( 2 ) ( A ) Failure to forward all relevant information to the data furnisher. 3. FCRA 1681i ( a ) ( 5 ) ( A ) Failure to delete or modify inaccurate or unverifiable information. 4. FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a clear and complete notice of investigation outcomes. 5. FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 6. CFPA 1036 ( a ) ( 1 ) ( B ) Engaging in unfair, deceptive, or abusive acts by masking the dispute process and harming the trust. V. HARM SUFFERED Denial of favorable credit and lending terms Emotional distress and reputational injury Economic injury due to higher interest or blocked approvals Loss of financial opportunities and time correcting Experians errors Violation of my trust rights and unauthorized use of NAME and SSN
ending in XXXX Breach of my recorded UCC-1 Trust Filing No. XXXX, securing all NAME-based data and collateral VI. DEMAND FOR REMEDY I hereby demand the following : 1. Immediate deletion of all disputed and duplicate tradelines 2. Full and verifiable proof of contract and consentnone exists 3. Written reinvestigation results, not generic notices 4. Acknowledgment of the XX/XX/XXXX, Notice of Rescission and XXXX XXXXXXXXmonth use fee 5. Full redress, penalties, and escalation to CFPB, FTC, and AG enforcement VII. AFFIDAVIT DECLARATION I, XXXX XXXX XXXX, Trustee for the above-referenced trust, do solemnly affirm under 28 U.S.C. 1746 that the foregoing is true, correct, and complete based on firsthand knowledge, public record, and verified trust administration.

Executed on : XX/XX/XXXX Respectfully Submitted by : XXXX XXXX XXXX, Trustee XXXX XXXX XXXX XXXX XXXXXXXX, Maryland [ 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