Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX SECOND FORMAL COMPLAINT & LEGAL DEMAND From : XXXX XXXX XXXX XXXX XXXX XX/XX/year> To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXE : Continued Reporting of Deleted Accounts, Conflicts of Interest with Creditors, and Criminal Violations of Federal Law To Whom It May Concern, This letter serves as a SECOND FORMAL COMPLAINT and an immediate pre-litigation cease and desist order against Experian Information Solutions , Inc. for what now appears to be systemic corruption, criminal negligence, and collusion with creditors, most notably XXXX XXXX XXXX, to continue publishing fraudulent and deleted tradelines in clear violation of federal law. 

Let this serve as legal notice that Experian is now the only credit reporting agency still publishing a XXXX XXXX XXXX and a XXXX XXXX XXXX account, both of which have already been removed by TXXXX XXXX XXXX  following lawful disputes and full documentation. Your agencys continued reporting suggests a blatant conflict of interest, an illegal quid pro quo with creditors, and willful defiance of FCRA procedures. 



Legal Claims and Violations 1. FCRA 1681b Lack of Permissible Purpose : Experian had no lawful right to furnish a XXXX XXXX XXXX record obtained through unauthorized, unverifiable, and deceptive means. 
PACER does not supply consumer data to Experian. Therefore, Experian can not claim any authorized source for this XXXX. 
2. FCRA 623 ( a ) ( 7 ) No Notice of Negative Reporting : Experian did not issue the required XXXX written notice before furnishing or re-inserting either the XXXX account XXXX the CXXXX XXXX XXXX 
XXXX. FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : Reporting a XXXX  and auto tradeline that are NOT reported by XXXX  or XXXX, and failing to verify these with authenticated documentation, makes Experian liable for publishing inaccurate and unverifiable data.

4. FCRA 1681i Sham Reinvestigations : Experian has failed to reasonably investigate the disputed accounts. Both accounts were verified without explanation or evidence. This constitutes a sham dispute process, already under federal scrutiny in multiple class actions.

5. FTC Act 15 U.S.C. 45 ( a ) Deceptive and Unfair Business Practices : Experian is engaged in deceptive business conduct by maintaining consumer account data that other agencies have deemed unverifiable and unlawful.

6. Criminal Exposure Misrepresentation and Collusion : The continued publication of these accounts appears to be the result of an illicit, concealed arrangement between Experian and XXXX XXXX XXXX, in which Experian is paid or compensated in some form to deliberately continue reporting false, unverifiable, and deleted accountsa form of commercial defamation and credit sabotage. 
This behavior reflects more than mere negligenceit is intentional, coordinated, and systemic misconduct. When XXXX national credit bureaus ( XXXX XXXX XXXX ) have removed accounts after investigation, yet Experian chooses to continue reporting them, the only logical inference is a deliberate agreement to ignore federal law. 
Such collusion may constitute a federal crime under 18 U.S.C. 371 ( Conspiracy to Commit Offense Against the United States ) and 18 U.S.C. 1001 ( Knowingly Falsifying or Concealing Material Facts in a Matter Within Federal Jurisdiction ). 
If Experian is accepting money or incentive to suppress removals or fabricate dispute outcomes, this constitutes potential wire fraud, extortion, and consumer racketeering. 
This level of misconduct justifies criminal indictment of Experians back-office agents, dispute resolution executives, and any Experian employee engaged in willfully retaining false data after regulatory notices. 



Demand for Action This matter will now be escalated. You are hereby ordered to : XXXX. IMMEDIATELY DELETE the XXXX XXXX XXXX and XXXX XXXX XXXX tradeline.

2. CEASE ALL REPORTING of these accounts permanently.

3. ISSUE WRITTEN CONFIRMATION to me that both accounts have been deleted and will never be reinserted unless verified with court-certified, consumer-authorized, and legally permissible documentation.

4. DISCLOSE IN FULL : All communications between Experian and XXXX regarding continued tradeline reporting. Failure to disclose will result in subpoena and regulatory escalation. 



Accountability & Criminal Exposure Let it be known that the back-office agents, supervisors, and compliance officers responsible for these decisions will be named individually in court. Any further retention of this data will constitute continued defamation and harassment. 

A formal complaint is now being submitted to the Federal Trade Commission ( FTC ), along with supporting documents. You are advised to preserve all records related to these disputes, including internal verification memos, XXXX responses, and consumer data logs. 

This is your final notice. Future communication will come through legal counsel. 

Respectfully, 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