Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
Consumer Financial Protection Bureau Formal Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Insert Todays Date ] Subject : Formal Complaint Against Equifax & Experian for Collusion, Illegal Reinsertion, Misclassification, and Debt Slavery Reporting Practices To Whom It May Concern, I, XXXX XXXX XXXX am filing this formal complaint against Equifax Information Services LLC and Experian Information Solutions , Inc. for willful violations of the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Federal Trade Commission Act ( FTC Act ), and 18 U.S. Code 894 regarding misclassified, deceptive, and unauthorized credit reporting practices. 

Despite my previous disputes and extensive documentation, the following accounts have been knowingly misreported, illegally reinserted, or falsely retained on my credit profile, inflicting irreparable harm to my financial standing and well-being. 



Accounts in Violation : 1. XXXX XXXX Misreported as a valid auto loan when in fact it is a retail installment contract. 
Reported well beyond the Louisiana 4-year statute of limitations. 
Deceptively reinstated after removal without certification or consumer notice.

Violates FCRA 605, 611, and TILA 1631. 
2. XXXXXXXX XXXX  Illegally reinserted after deletion without written notice within 5 business days ( FCRA 611 ( a ) ( 5 ) ( B ) ).

Continues to show conflicting balances, erroneous delinquency dates, and lacks any meaningful verification. 
Misclassified and enforced under coercive reporting tactics. 
Violates 15 U.S.C. 1681i, 1681s-2, and 18 U.S. Code 894. 
3. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Accounts Accounts were never opened by me and have been previously disputed as unauthorized. 
XXXX uses deceptive micro-lending tactics to trap consumers into artificial credit activity. 
Reporting of this data continues without proof of consent, origin, or benefit.

Violates FCRA 604 ( a ), 609 ( a ) ( 1 ), and FTC Act 45 ( a ).

Core Violations & Criminal Exposure 1. Illegal Reinsertion of Deleted Accounts Equifax and Experian failed to notify me within 5 business days as required under FCRA 611 ( a ) ( 5 ). 
There is no documented certification from furnishers verifying accuracy. 
Reinsertion without legal procedure is a federal violation and constitutes fraud by concealment.

2. Collusion & Extortion-Based Debt Slavery Creditors and CRAs have formed unethical pay-to-report pipelineswherein furnishers pay credit bureaus to retain negative data, regardless of accuracy.

These schemes exploit vulnerable individuals like myself to generate data profits, all while denying legal due process. 
These acts mirror violations of : FCRA 604 ( a ) : Lack of permissible purpose.

FTC Act 45 ( a ) : Deceptive commercial practice.

18 U.S.C. 894 : Coercion via misrepresentation in a debt context. 

3. Misclassification of Consumer Accounts XXXX XXXX and XXXX XXXXXXXX XXXX falsely reported as auto loans when they are retail contracts. 
This inflation affects my debt-to-income ratio and misrepresents the risk profile to potential lenders.

These are actionable under : TILA 1631 : Inadequate disclosures of financial terms.

FCRA 623 ( a ) ( 5 ) : Inaccurate furnishing of account details.

Why This Complaint Matters This is not an identity theft complaint due to impersonation. I am filing an FTC Identity Theft Report under FCRA 605B to formally block data that was : Never authorized by me, Deceptively reinstated, Misclassified to harm my credit profile. 

This case highlights systemic fraud and administrative abuse in how credit data is controlled, monetized, and used to trap consumers in cycles of artificial default and economic exclusion.

Relief and Resolution Demanded 1. Permanent and Full Deletion of the following accounts across Equifax and Experian : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Misclassified as an auto loan ) 2. Certification of Consumer Protection Compliance : Bureaus must certify that no reinsertion will occur unless fully compliant with FCRA 611 ( a ) ( 5 ) ( B ). 
Provide identity and certification date of any furnisher responsible for illegal reinsertions. 
3. Immediate Investigation and Enforcement Referral to : Federal Trade Commission ( FTC ) U.S. Department of Justice ( DOJ ) Consumer Protection Unit of Louisiana Attorney General 4. Public Disclosure of Collusion Agreements : I request subpoena of all data payment agreements between Equifax, Experian, and the furnishing parties named. 



Final Statement to Equifax, Experian, and Furnishers : This complaint is being submitted as part of a federal record of abuse by consumer reporting agencies and creditors acting in violation of federal law. If this continues, I will file suit in federal court for : Willful violations under FCRA 1681n Statutory and punitive damages exceeding {$100000.00} Civil conspiracy, collusion, and extortionate collection practices under 18 U.S.C. 894 This is your final opportunity to cure your unlawful conduct. All future violations will be treated as willful acts of malicious harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 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