Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
Affidavit of Federal and State Credit Reporting Violations Submitted by XXXX XXXX, under penalty of perjury pursuant to 28 U.S.C. 1746 Dated : XX/XX/XXXX | Notarized by XXXX XXXX ( XXXX XXXX ) I. Disputed Credit Reporting Experian is currently reporting derogatory tradelines for : XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX These are alleged to be inaccurate, incomplete, unverifiable, obsolete, or improperly re-aged, in violation of the FCRA and Pennsylvania consumer protection laws . 

II. Legal & Constitutional Basis The affidavit cites constitutional protections under : Commerce Clause ( Art. I, 8 ) for federal jurisdiction Due Process ( 5th Amendment ) protecting against credit harm without notice Equal Protection ( 14th Amendment ) especially in dispute handling First Amendment right to dispute false information Right to Privacy against nonconsensual data reporting It also defends the legal right to use a P.O. Box without being penalized, citing 1681e ( b ) .III. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certifies she is a victim of XX/XX/XXXX, per a Self-Attestation dated XX/XX/XXXX, issued by Agape Advocacy Consulting , a DOJ-trained NGO . 

Cites 22 U.S.C. 7105, 7114 and 15 U.S.C. 1681c-2 requiring Experian to block identity theft-related data within 4 business days. 

Experian failed to block the data, creating a willful violation. 

IV. Statutory Duties Under Federal Law Experian and furnishers were obligated to : Ensure accuracy ( 1681e ( b ) ) Conduct reasonable reinvestigations ( 1681i ( a ) ( 1 ) ( A ) ) Delete unverifiable data within 30 days ( 1681i ( a ) ( 5 ) ( A ) ) Provide full file disclosures ( 1681g ( a ) ( 1 ), ( 3 ) ) Block ID-theft data ( 1681c-2 ) V. Tradeline-Specific Violations Nordstrom/TD : Missing history, unverifiable XX/XX/XXXX late mark XXXX : No DOFD, account marked " open '' despite dormancy XXXX XXXX : Missing XXXX data, unverified XXXX delinquency XXXX : Post-closure delinquencies, re-aged in XX/XX/XXXX XXXX : R codes for 40+ months, no DOFD or resolution date Each tradeline violates multiple FCRA provisions including 1681e ( b ), 1681g ( a ), and 1681i. 

VI. Systemic Compliance Failures by Experian Reinserted deleted data without proper certification Failed to flag disputed accounts Used unverifiable sources Reported re-aged data without DOFD Failed to provide consumer file access and block identity-theft data VII. Evidentiary & Enforcement Framework States that with certified trafficking documentation, the burden shifts to Experian to disprove fraud or block data under 1681c-2 Cites Pennsylvania Rules of Evidence ( e.g., 803 ( 6 ), 901 ( b ) ( 1 ), 902 ( 11 ) ) to confirm the affidavit is admissible Reasserts 1681i ( a ) ( 5 ) ( B ) : deleted data may not be reinserted without : Furnisher certification in writing Consumer notice within five business days VIII. Legal Precedent Cites federal and Pennsylvania case law including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX These cases support civil liability for inaccurate reporting, failure to reinvestigate, and improper procedural handling of disputes. 

IXX. Good Faith & Affirmation Declares that good faith efforts were made to resolve the matter Asserts Experian failed to act within statutory timeframes Affidavit is executed under penalty of perjury on XX/XX/XXXX Exhibit Index : Exhibit A : Self-Attestation of Trafficking Status ( XX/XX/XXXX ) Exhibit B : Passport, Social Security Exhibit C : Written Dispute Correspondence Exhibits DE ( handwritten ) : Additional correspondence and fax confirmation ( XX/XX/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