C12 NETWORK

FCRA HUB

⚖ Circuit12.ai — Credit Bureau Misconduct Hub

Public Archive: Experian • Equifax • TransUnion

This hub hosts documented, redacted evidence of credit-bureau noncompliance: unlawful re-aging,
duplicate tradelines, purge failures, sham reinvestigations, unauthorized pulls, and cross-contamination into business credit.
Each case is preserved as a public record for regulators, journalists, and courts. While our beta intake form is finalized,
email submissions are open at info@circuit12.ai.

FCRA — Your Rights, Their Duties, and the Games They Play

What the law requires (plain English)

  • Maximum possible accuracy: Bureaus must maintain reasonable procedures to assure accuracy (FCRA § 1681e(b)).
  • Dispute & reinvestigation: When you dispute, the bureau must reinvestigate and respond within ~30 days (up to 45 if you add documents) and give you written results (FCRA § 1681i).
  • Seven-year obsolescence: Most negative info (late pays, collections, charge-offs) cannot be reported after 7 years; certain bankruptcies may report up to 10 years (FCRA § 1681c).
  • No re-aging: Furnishers must report the original delinquency date and cannot “reset” it to keep derogatory data alive (FCRA § 623(a)(5) / 15 U.S.C. § 1681s-2).
  • Furnisher duty: When a bureau notifies the furnisher of your dispute, the furnisher must conduct a reasonable investigation and correct or delete inaccuracies (FCRA § 1681s-2(b)).
  • Permissible purpose only: No one may pull your report without a lawful purpose (FCRA § 1681b). Unlawful pulls are violations.
  • Consumer statement: You can add a 100-word statement to your file; it must display with reports (FCRA § 1681i(b)).
  • Identity theft blocks: With a valid ID-theft report, bureaus must block fraudulent tradelines (FCRA § 1681c-2).
  • Damages: Willful violations—actual + punitive + fees (FCRA § 1681n); negligent—actual + fees (FCRA § 1681o).

How bureaus skirt the law (and why this hub exists)

  • Unlawful re-aging: “Updating” closed/ancient accounts in current year to keep them on file past 7 years.
  • Duplicate tradelines: Same debt reported twice (or more) under variant names, inflating risk and suppressing scores.
  • Sham reinvestigations: Rubber-stamp “verified” via automated ACDV/e-OSCAR pings without reviewing your evidence.
  • Purge failures: Leaving obsolete or paid items active; “fixing” meta fields while refusing deletion.
  • Cross-contamination: Personal-file errors bleeding into business credit (vendor risk screens, SBFE/NAV pipelines).
  • Unauthorized pulls: Soft or hard inquiries without permissible purpose to sell you products or re-score you.
Bottom line: The FCRA gives you rights—with teeth. This hub documents how bureaus bend rules,
mislead consumers, and manipulate data. We publish evidence, not rumors.

Experian — Purged Positives, False “Score Increases,” Cross-Contamination
Purged Positives
Misrepresentation
Cross-Contam

Pattern & Tactics

  • “Boost” bait-and-switch: Purging active utility/telecom tradelines, then prompting users to “Boost” them back while claiming score gains.
  • Banner vs. reality: In-app “+ points” banners contradict the numeric score (e.g., 669 → 664 while claiming “+9”).
  • Forward-facing harm: Deleted positives + lingering derogs depress vendor risk models and business credit profiles.

What to submit (Experian)

  • Screenshots of score banners & the numeric score the same day.
  • Proof that purged accounts were paid/active (provider email, bank/Cash App receipts).
  • Dates/times to show contradiction within 24–48 hours.

View Experian Records
Submit to Experian

Equifax — Duplicate Lines, Unlawful Re-Aging, Paper-Only Statements
Duplicate Tradelines
Re-Aging
Obstruction

Pattern & Tactics

  • Duplicate tradelines: Same debt under variations (e.g., “Alexander Rose” duplicates) inflating balances and risk.
  • Re-aging by “update”: Ancient accounts “modified” in 2025 to keep them reporting past 7 years—illegal under the FCRA’s obsolescence rules and DOFD requirements.
  • Paper bottleneck: Forcing mailed consumer statements instead of digital corrections; slows remediation and hides the problem.

Example under review

  • Fingerhut/WebBank (opened 2016): Seven-year clock expired in 2023. “Updates” in 2025 appear designed to keep it alive—classic re-aging.

What to submit (Equifax)

  • Dispute result letters, especially those claiming “updated” historical fields years later.
  • Side-by-side reports/screens showing duplicates or re-aged entries (redact IDs).
  • Mail receipts or logs showing forced paper processes.

View Equifax Records
Submit to Equifax

TransUnion — Purge Failures, Stale Derogatories, Metro-2 Anomalies
Purge Failures
Stale Derogs
Reporting Anomalies

Pattern & Tactics

  • Stale derogatories: Negatives that should fall at 7 years linger without valid DOFD support.
  • Metro-2 anomalies: Inconsistent fields/remarks that contradict the account’s lifecycle.
  • Inadequate reinvestigation: Quick “verified” outcomes despite submitted evidence.

What to submit (TransUnion)

  • Before/after reports bracketing the 7-year fall-off date.
  • Creditor letters vs. what TU still reports (mismatches).
  • Any automated “verified” responses ignoring documents.

View TransUnion Records
Submit to TransUnion

Fight-Back Playbook (Concise)

Your evidence (what to collect)

  • Timestamped screenshots of scores and bureau entries (same-day where possible).
  • Provider confirmations (emails, statements, bank/Cash App receipts).
  • Dispute receipts and bureau responses (PDFs, letters).
  • Any notice of adverse action from lenders (tie harm to reporting).
Redact SSNs, full account numbers, DOB, and medical data. We re-redact before publishing.

Your rights & remedies (quick hits)

  • Dispute & reinvestigate: Force the 30-day clock; attach documents.
  • Demand DOFD: Re-aging collapses when the original delinquency date is produced.
  • Consumer statement (100 words): Visible to lenders; creates a public record.
  • Regulatory escalation: CFPB/State AG complaints with exhibits.
  • Civil claims: Preserve damages (denials, interest costs) for FCRA remedies.

Submission Guidance

  1. Redact SSNs, full account numbers, DOB, and private health info.
  2. Attach first-party exhibits (bureau screenshots, creditor emails, payment proof).
  3. List in your email: bureau, dates & scores (before/after), short summary, and publish preference (named/anonymous).

✉ Email info@circuit12.ai
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Regulatory & Legal Posture

  • Status (current): This archive is being prepared for potential submission to federal and state authorities. When formal referrals occur, filing dates will be added.
  • Reservation of rights: Circuit12.ai, LLC reserves all rights to pursue administrative complaints, civil claims, and public disclosures if corrective action does not occur.
  • Disclaimer: This hub is not legal advice. It is a public interest repository of documented facts and exhibits.

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