Consumer complaint received 2025-05-21 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:
COMPLAINT ADDENDUM FOR IMMEDIATE ESCALATION Filed By : XXXX  XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 



SUBJECT : Willful Collusion, Misuse of Data, and Debt Slavery Through False Credit Reporting To Whom It May Concern, This filing supplements all previous complaints and demands immediate escalation, including enforcement actions and emergency deletion of all fraudulent tradelines associated with : XXXX XXXX XXXX XXXX XXXX  Bankruptcy ( XXXX XXXX ) Any other derivative tradeline relying on PACER or false furnishing SUMMARY OF VIOLATIONS Experian is actively and knowingly engaged in debt bondage practices, exploiting consumers by weaponizing inaccurate and fabricated credit data for commercial gain. Despite formal disputes and removals by other bureaus, Experian has retained and refused to delete the above accounts. This is not a clerical errorthis is a premeditated, profit-driven system of abuse. 

1. Illegally Sourced Bankruptcy Data via PACER Misuse PACER ( Public Access to Court Electronic Records ) does not furnish data to credit bureaus. Experian has falsely claimed legal right to report a bankruptcy sourced from PACER or third-party aggregators, which is not a lawful or verifiable basis under the Fair Credit Reporting Act ( FCRA 604 ). This violates : FCRA 1681b Lack of permissible purpose.

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

2. No Reinsert Notice Provided Clear Violation of FCRA Experian re-reported previously deleted accounts without : Furnisher certification of accuracy.

Written notice to the consumer within 5 business days, as required under FCRA 1681i ( a ) ( 5 ) ( B ).

This is a blatant violation and constitutes aggravated fraud and a willful pattern of procedural neglect.

3. Collusion with Furnishers for Financial Gain Experian receives direct financial compensation from furnishers to retain derogatory accounts on consumers reports. This practice : Encourages false verification of disputes, Incentivizes suppression of account deletions, Constitutes wire fraud under 18 U.S.C. 1343 and conspiracy to defraud under 18 U.S.C. 371.

This creates a quid-pro-quo commercial relationship where Experian benefits directly from the continued harm to consumers, in this case, XXXX XXXX. 



SYSTEMIC HARM TO CONSUMERS Experian has created an automated dispute system that bypasses real reinvestigation, closing disputes in under 48 hours with zero documentary evidence. Such verified as accurate statements are made : Without contracts or affidavits from the furnisher, Without consumer authorization, In direct contradiction to XXXX obligation to verify under 15 U.S.C. 1681i ( a ) ( 6 ).

TRAUMA, ABUSE & DEBT SLAVERY Experians deliberate misconduct has : Denied XXXX XXXX access to fair housing, credit, and employment. 
Trapped her in a cycle of artificial delinquency based on data that has been proven false or unverifiable. 
Effectively made Experian complicit in financial imprisonmenta modern form of debt slavery where consumer data is bought and sold for profit despite legal objections. 



DEMAND FOR ACTION Experian is now given final legal notice. All of the following must be completed within 10 business days to avoid immediate escalation : 1. Permanent deletion of the XXXX  XXXX bankruptcy and XXXX XXXX XXXX accounts. 
2. Full accounting of all communication between Experian and the furnishers.

3. Certification logs and timestamps of all reinsertion decisions and dispute closures.

4. Public and written apology for continued publication of inaccurate, unlawful data. 
5. Statement under oath by Experians compliance officer attesting to the handling of these disputes. 



NOTICE OF INTENT TO LITIGATE If full remedy is not completed : A federal lawsuit will be filed against Experian for : Violations of FCRA 1681b, 1681e, 1681i, and 1681s-2, FTC Act violations under 45, Fraud and wire fraud under 18 U.S.C. 1001 and 1343, Experian executives, dispute agents, and back-office personnel will be named personally for knowingly facilitating illegal activity. 



XXXX XXXX Experian is weaponizing data to uphold a system of financial oppression. This is a national-level scandal in waiting, and this case will not go quietly. You are urged to act immediately. 








To the Consumer Financial Protection Bureau, This is a formal complaint against Experian Information Solutions XXXX XXXX for egregious, willful violations of the Fair Credit Reporting Act ( FCRA ), including collusion with data furnishers to retain unlawfully reported accounts, suppression of accurate dispute outcomes, and fraudulent misrepresentation of account statuses that effectively place XXXX XXXX XXXX in a condition of economic servitudecommonly referred to as debt slavery.

Despite previous disputes and formal notices, Experian has refused to permanently remove the following unlawfully reported and unverified accounts : XXXX. XXXX XXXX XXXX Account previously removed and determined inaccurate, now unlawfully retained without new verification or permissible purpose. 
2. XXXX XXXX Bankruptcy ( No docket or PACER match ) Experian continues to report a bankruptcy that was never verified and never filed through any official source recognized by federal courts. 

Experians continued reporting violates multiple provisions of the FCRA : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation. Experian did not reinvestigate but merely recycled false data provided by furnishers.

FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( B ) Permitting creditors to furnish knowingly inaccurate data.

FCRA 1681i ( a ) ( 5 ) ( B ) Experian failed to notify XXXX XXXX XXXX XXXX XXXX business days if any information was reinserted, violating federal law. 

Collusion and Corporate Malfeasance Experian is complicit in back-door arrangements with furnishers ( including XXXX and data brokers tied to bankruptcy reporting ) in which it accepts unverifiable, incomplete, or fraudulent certifications of account accuracy in exchange for payment. This is a systemic conflict of interest. The credit reporting agency profits from retaining derogatory information, while the consumer suffers economic harm.

Experians actions show a deliberate suppression of disputes, disregard for compliance procedures, and prioritization of commercial relationships over lawful consumer rights. These violations create a scheme of economic entrapment in which consumers like XXXX XXXX are falsely tied to financial obligations, denied fair access to credit, housing, and employment, and forced into prolonged dispute cycles with no resolution.

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