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:
Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Subject : Final Demand for Immediate Removal of Fraudulent and Inaccurate Accounts ( XXXX XXXX XXXX XXXX XXXX ) Collusion, Debt Slavery, and Criminal Violations TO THE CONSUMER FINANCIAL PROTECTION BUREAU : I am filing this formal complaint to demand the immediate removal of the following accounts from my credit reports maintained by Experian, Equifax, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts were previously disputed with supporting FTC Identity Theft documentation and rescission notices. Despite this, the CRAs continue to report them, in violation of federal and state law.

SUMMARY OF VIOLATIONS : 1. Sham Reinsertions Without Required Notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Equifax and Experian illegally reinserted accounts ( e.g., PenFed and Affirm ) without providing required written notice within 5 business days, as mandated by FCRA. No verification documentation or updated certification of accuracy was ever provided to me, the consumer.

2. Collusion Between Credit Reporting Agencies and Furnishers The pattern of unlawful reinsertion and synchronized reporting of fraudulent accounts across bureaus points to collusion and data trafficking for profit. Creditors are known to pay CRAs to retain negative tradelines on file a commercial arrangement that financially benefits both parties while harming the consumer. This violates FCRA 604 ( a ) and constitutes conspiracy to defraud under 18 U.S.C. 371. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX emphasize that these derogatory accounts are being used to economically enslave me denying access to housing, employment, and financial stability. CRAs and furnishers are deliberately suppressing my economic freedom and violating federal protections by enforcing fabricated debt as a method of coercion. This is financial bondage. 

XXXX. False Certification of Verified Accounts Experian and Equifax both falsely stated that XXXX XXXX XXXX XXXX XXXX XXXX accounts were verified with no signed contract or validation ever produced. These are willful misrepresentations in violation of : FCRA 1681i ( a ) ( 1 ) & ( 6 ) FTC Act 5 ( 15 U.S.C. 45 ) 18 U.S.C. 1001 False statements to a federal agency 5. Failure to Notify of Negative Reporting ( FCRA 623 ( a ) ( 7 ) ) None of the furnishers XXXX, XXXXXXXX XXXX XXXX XXXX provided me with written notice within 30 days of reporting negative information. This deprives me of due process and violates my statutory rights. 



DEMAND FOR RESOLUTION : XXXX. Permanent deletion of all inaccurate, unverifiable accounts : XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Written confirmation from all three CRAs that these accounts have been removed and will not be reinserted without original documentation. 
XXXX. Investigation of back-office operations at Experian, Equifax, and TransUnion for : Data collusion Suppression of disputes Accepting unverified certifications from furnishers 4. Immediate referral to the FTC Bureau of Consumer Protection, U.S. Attorney General, and DOJ Civil Rights Division to investigate ongoing violations of : FCRA FTC Act 18 U.S.C. 1343 ( Wire Fraud ) 18 U.S.C. 894 ( Extortionate Credit Practices ) TOTAL DAMAGES DEMAND : Over {$450000.00} in willful and actual damages Additional punitive damages for repeated disregard of federal consumer protections Legal fees, emotional distress, and ongoing economic injury

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