Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
UNITED STATES DISTRICT COMPLAINT & NOTICE TO CURE Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TO : Experian Information Solutions , Inc . 
Equifax Information Services LLC TransUnion, LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : NOTICE TO CURE DEMAND FOR DELETION OF UNVERIFIABLE ACCOUNTS, DISCLOSURE OF METHOD OF VERIFICATION, AND TERMINATION OF EXTORTIONATE CREDIT REPORTING PRACTICES Legal Authorities Cited : Fair Credit Reporting Act ( FCRA ) 604, 609, 610, 611, 623, 1681e ( b ), 1681s-2 ( a ) Federal Trade Commission Act 15 U.S.C. 45 ( a ) Consumer Financial Protection Act 12 U.S.C. 5531 Criminal Statutes : 18 U.S.C. 1001, 1343, 371, 894 INTRODUCTION : This is a comprehensive legal complaint and active Notice to Cure directed to the named Credit Reporting Agencies ( CRAs ) and data furnishers listed above. These entities continue to report erroneous, unverifiable, and falsely validated credit accounts under my consumer profile. Despite having been placed on notice through disputes and a prior FTC Report regarding unfair business practices, no corrective action has been taken, and as such, the practices now amount to intentional and willful violations of federal law. 

The accounts listed below have never been substantiated with any actual proof of contract, signed applications, or lawful method of verification, and many have been altered post-dispute to avoid deletionan act tantamount to obstruction and deceptive conduct. 



UNVERIFIABLE AND DECEPTIVELY MAINTAINED ACCOUNTS : 1. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX 2. XXXX XXXX XXXX Opened XX/XX/XXXX 3. XXXX XXXX XXXX Opened XX/XX/XXXX 4. XXXX XXXX XXXX XXXX account # XXXX 5. XXXX XXXX ( XXXX ) # XXXX 6. XXXX XXXX XXXX # XXXX 7. XXXX XXXX XXXX XXXX # XXXX 8. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX 9. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX None of the above furnishers have produced any method of verification, nor responded with proper legal documentation under FCRA 609 ( a ) ( 1 ). In fact, many accounts were verified in under 3 days without documentationa sham reinvestigation. This is unlawful under FCRA 611 ( a ) ( 2 ) & 610. 



CRIMINAL AND REGULATORY VIOLATIONS INVOKED : 1. FCRA 1681e ( b ) Failure to maintain maximum accuracy, especially after being notified of disputed information.

2. FCRA 611 ( a ) Failure to reinvestigate or delete unverifiable data in a reasonable time frame.

3. FCRA 609 ( a ) Failure to provide the method of verification, and to make it available within the required timeframe. 
4. FCRA 623 ( a ) ( 7 ) Reporting negative data without first giving 30-day notice to the consumer.

5. FCRA 604 ( a ) No permissible purpose or consumer authorization to collect or retain said information. 
6. 18 U.S.C. 1001 Knowingly certifying false information during verification procedures.

7. 18 U.S.C. 1343 Wire fraud and transmission of false credit information to coerce payment or suppress credit. 
8. 18 U.S.C. 371 Criminal conspiracy between CRAs and furnishers to suppress disputes.

9. 18 U.S.C. 894 Extortionate credit practices, including threatening or misleading representations of debt to harm the consumer. 

The deliberate use of false data, refusal to delete, and active concealment of contracts or investigation results by the CRAs and creditors suggests not mere neglect, but a systematic scheme to extort, defame, and financially injure consumers for profit. 



DEMAND FOR LEGAL CURE : You are now on formal notice to immediately take the following actions : 1. Permanently delete all above-listed accounts from Equifax, Experian, and TransUnion.

2. Produce legally sufficient verification under 15 U.S.C. 609 ( a ) ( 1 ), including : Signed contracts Date-stamped applications IP or physical verification logs Affidavit from the furnisher with full chain of assignment ( if a debt buyer ) 3. Provide written certification that no reinsertion will occur under FCRA 611 ( a ) ( 5 ) ( B ).

4. Issue updated credit reports reflecting the corrected information. 
5. Provide copies of all communications used to verify the accounts.

6. Disclose the names of all agents or departments responsible for these sham verifications.

RESOLUTION REQUESTED : To resolve this matter without judicial escalation, I require : Complete deletion of all listed accounts across all bureaus ; Delivery of updated corrected credit reports within 10 business days ; Full disclosure of all data sources and verification documents used ; Compliance certification from each CRA that all obligations under the FCRA have been satisfied ; An internal review and accountability report from the back-office team responsible for this noncompliance ; Notice to each furnisher that continued reporting without documentation will subject them to legal action. 

Should you fail to comply with this Notice to Cure, I will immediately initiate the following : File formal FTC complaint for criminal conduct and deceptive business practices ; Escalate to the Consumer Financial Protection Bureau and Office of Inspector General ; Prepare legal filings in U.S. District Court seeking maximum damages under FCRA 1681n and 1681o, as well as injunctive relief and class-action exposure for systemic wrongdoing. 

You are not only risking liability ; you are actively participating in a scheme to mislead, damage, and extort a consumer who has already followed every legal avenue available. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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