Experian continues to act in bad faith by reporting unverifiable accounts without validating debt or acknowledging lawful disputes. Despite certified notices and proof of fraud, they side with creditors over consumers and violate FCRA procedures. Their dispute process is misleading, biased, and often automated. As a private living man who has followed all proper administrative remedy, I find Experian’s behavior to be negligent, commercially dishonest, and a threat to credit integrity. I do not consent to unlawful reporting or third-party interference. This platform fails to protect the people it claims to serve.Rebuttal to Experian. June 18th Thank you for your response. However, your process lacks lawful due diligence when it comes to private commercial disputes.The alleged tradeline reported by Ally Bank is materially disputed and backed by a perfected administrative record including: • A Notice of Conditional Acceptance • Multiple affidavits of non-response and estoppel • A commercial invoice • Certificate of Dishonor • UCC-1 and UCC-3 filings perfected on the public recordAlly Bank has failed to verify the debt, failed to produce a lawful wet-ink contract, and remains in dishonor. Their silence is commercial default under UCC 1-202 and 3-501.I request immediate removal of the inaccurate and fraudulent tradeline or I will escalate this matter to the CFPB and file a complaint under FCRA §623(a)(3), which prohibits continued reporting of disputed information that the furnisher cannot verify.If you claim this is verified, provide: • The full name and title of the agent furnishing verification • A copy of the original verified signed contract • A sworn affidavit confirming liabilityOtherwise, your continued reporting constitutes willful negligence and damages my commercial standing.Final notice: You have 10 days to correct the record or provide proper verification.Respectfully,Huu NguyenPrivate Creditor & Executor
