{"id":114,"date":"2025-08-20T19:24:39","date_gmt":"2025-08-20T19:24:39","guid":{"rendered":"https:\/\/circuit12.ai\/?page_id=114"},"modified":"2025-08-20T19:36:41","modified_gmt":"2025-08-20T19:36:41","slug":"public-notice-of-record","status":"publish","type":"page","link":"https:\/\/circuit12.ai\/index.php\/public-notice-of-record\/","title":{"rendered":"Public Notice of Record"},"content":{"rendered":"<p><!-- =========================================================\n  Circuit12.ai \u2014 Public Notice of Record\n  Purpose: Publish documented facts with exhibits (images) and a tight timeline.\n  How to use: Paste this entire block into a WordPress \"Custom HTML\" block on a new page.\n  ========================================================== --><\/p>\n<style>\n  :root{\n    --bg:#0c0f14; --panel:#121722; --muted:#9aa3b2; --text:#e8edf5; --accent:#69e2ff; --accent-2:#7b5cff; --ok:#11b57f; --bad:#ff5d6c; --warn:#f5b342; --border:#1f2633;\n  }\n  .notice-wrap{font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Inter,Arial,sans-serif; background:var(--bg); color:var(--text); line-height:1.55; padding:32px; max-width:1100px; margin:40px auto; border:1px solid var(--border); border-radius:16px; box-shadow:0 10px 30px rgba(0,0,0,.25)}\n  .tag{display:inline-block; padding:4px 10px; border-radius:999px; font-size:12px; letter-spacing:.3px; border:1px solid var(--border); color:var(--muted)}\n  h1{font-weight:800; letter-spacing:.2px; margin:8px 0 6px; font-size:clamp(26px,3vw,36px)}\n  h2{margin:28px 0 10px; font-size:clamp(18px,2.4vw,22px)}\n  h3{margin:22px 0 8px; font-size:clamp(16px,2vw,19px); color:#dbe7ff}\n  .lede{color:#cfe9f6; font-weight:600; max-width:900px}\n  .panel{background:linear-gradient(180deg, rgba(255,255,255,.02), rgba(255,255,255,.00)); border:1px solid var(--border); border-radius:14px; padding:18px 18px}\n  .grid{display:grid; gap:16px}\n  .grid.cols-2{grid-template-columns:1fr 1fr}\n  .grid.cols-3{grid-template-columns:repeat(3,1fr)}\n  @media (max-width:900px){ .grid.cols-2, .grid.cols-3{grid-template-columns:1fr} }\n  .kpis{display:flex; gap:10px; flex-wrap:wrap; margin:10px 0 4px}\n  .kpi{background:rgba(255,255,255,.03); border:1px solid var(--border); padding:10px 12px; border-radius:12px; font-size:13px; color:#cbd7e6}\n  .kpi b{color:#fff}\n  .bullet{margin:0 0 4px 0}\n  .bullet li{margin:8px 0}\n  .callout{border-left:4px solid var(--accent); padding:12px 14px; background:rgba(105,226,255,.06); border-radius:8px}\n  .warn{border-left-color:var(--warn); background:rgba(245,179,66,.08)}\n  .bad{border-left-color:var(--bad); background:rgba(255,93,108,.08)}\n  .ok{border-left-color:var(--ok); background:rgba(17,181,127,.08)}\n  .exhibits{display:grid; gap:18px; grid-template-columns:1fr 1fr}\n  @media (max-width:900px){ .exhibits{grid-template-columns:1fr} }\n  figure{margin:0}\n  figure img{width:100%; height:auto; border-radius:12px; border:1px solid var(--border); display:block}\n  figcaption{font-size:13px; color:var(--muted); margin-top:8px}\n  .meta{font-size:13px; color:var(--muted)}\n  .hr{height:1px; background:var(--border); margin:22px 0}\n  .cta{display:flex; gap:10px; flex-wrap:wrap}\n  .btn{appearance:none; border:1px solid var(--border); background:rgba(255,255,255,.02); color:var(--text); padding:10px 14px; border-radius:10px; cursor:pointer; text-decoration:none}\n  .btn:hover{border-color:#2c3648}\n  details{background:rgba(255,255,255,.02); border:1px solid var(--border); border-radius:10px; padding:12px 14px}\n  details summary{cursor:pointer; font-weight:600}\n  code.k{background:rgba(255,255,255,.04); border:1px solid var(--border); padding:2px 6px; border-radius:6px; font-family:ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, monospace; font-size:12px}\n<\/style>\n<section class=\"notice-wrap\" itemscope itemtype=\"https:\/\/schema.org\/Article\">\n  <span class=\"tag\">Public Notice of Record<\/span><\/p>\n<h1 itemprop=\"headline\">Experian Credit Reporting Misconduct \u2014 Evidence &#038; Timeline<\/h1>\n<p class=\"meta\">\n    Published: <time itemprop=\"datePublished\" datetime=\"2025-08-20\">August 20, 2025<\/time> \u00b7<br \/>\n    Issuer: <span itemprop=\"author\" itemscope itemtype=\"https:\/\/schema.org\/Organization\"><span itemprop=\"name\">Circuit12.ai, LLC<\/span><\/span> \u00b7<br \/>\n    Jurisdiction: United States (Texas)\n  <\/p>\n<p class=\"lede\">\n    This notice preserves the factual record of Experian\u2019s deceptive reporting practices impacting Circuit12.ai, LLC and its managing member. All statements are supported by exhibits below (screenshots and payment confirmations). This page will remain online for transparency and evidentiary purposes.\n  <\/p>\n<div class=\"hr\"><\/div>\n<h2>Evidence Timeline<\/h2>\n<div class=\"panel\">\n<ol class=\"bullet\">\n<li><b>Aug 17, 2025:<\/b> Experian score at <b>669<\/b>. (Pre-purge baseline.) <span class=\"meta\">Exhibit B<\/span><\/li>\n<li><b>Aug 18, 2025:<\/b> Experian deletes Frontier bill; app banner claims <b>\u201c+9\u201d<\/b> while dashboard shows <b>664<\/b>. <span class=\"meta\">Exhibit A<\/span><\/li>\n<li><b>Aug 18\u201320, 2025:<\/b> Frontier payment notification + Cash App proof confirm the account is current. <span class=\"meta\">Exhibits C &#038; D<\/span><\/li>\n<\/ol>\n<p class=\"callout bad\"><b>Contradiction:<\/b> Experian\u2019s claimed \u201cincrease\u201d is disproven by the numerical record (669 \u2192 664). The purge removed a positive, active tradeline while misrepresenting the impact to the consumer.<\/p>\n<\/p><\/div>\n<div class=\"hr\"><\/div>\n<h2>Exhibits<\/h2>\n<div class=\"exhibits\">\n<figure id=\"exhibit-a\">\n      <img decoding=\"async\" src=\"https:\/\/circuit12.ai\/wp-content\/uploads\/2025\/08\/9points.jpg\" alt=\"Experian app showing 664 with a banner claiming +9 point increase\"><figcaption><b>Exhibit A \u2014 Score 664 with \u201c+9\u201d Claim (Aug 18, 2025)<\/b><br \/>Experian displayed a \u201c+9\u201d increase while the dashboard showed a lower score than the prior day.<\/figcaption><\/figure>\n<figure id=\"exhibit-b\">\n      <img decoding=\"async\" src=\"https:\/\/circuit12.ai\/wp-content\/uploads\/2025\/08\/669.jpg\" alt=\"Experian app showing prior-day score of 669\"><figcaption><b>Exhibit B \u2014 Prior-Day Score 669 (Aug 17, 2025)<\/b><br \/>Baseline immediately preceding the purge.<\/figcaption><\/figure>\n<figure id=\"exhibit-c\">\n      <img decoding=\"async\" src=\"https:\/\/circuit12.ai\/wp-content\/uploads\/2025\/08\/Frontier_Gmail-scaled.jpg\" alt=\"Frontier billing notification confirming payment current\"><figcaption><b>Exhibit C \u2014 Frontier Payment Confirmation<\/b><br \/>Provider notification showing the bill was paid and the account is current.<\/figcaption><\/figure>\n<figure id=\"exhibit-d\">\n      <img decoding=\"async\" src=\"https:\/\/circuit12.ai\/wp-content\/uploads\/2025\/08\/Cash-App.jpg\" alt=\"Cash App transaction record showing payment to Frontier\"><figcaption><b>Exhibit D \u2014 Cash App Remittance Proof<\/b><br \/>Remittance record corroborating timely payment of the Frontier bill.<\/figcaption><\/figure>\n<\/p><\/div>\n<div class=\"hr\"><\/div>\n<h2>Regulatory &#038; Legal Posture<\/h2>\n<div class=\"panel grid cols-2\">\n<div>\n<h3>Regulatory<\/h3>\n<ul class=\"bullet\">\n<li>Referred to federal and state authorities for review consistent with recent enforcement activity.<\/li>\n<li>Pattern indicates deceptive presentation of score changes and improper purge of active tradelines.<\/li>\n<\/ul><\/div>\n<div>\n<h3>Commercial Harm<\/h3>\n<ul class=\"bullet\">\n<li>Interference with trade and reputational injury at the entity level.<\/li>\n<li>Operational risk via cross-contamination into business credit pipelines.<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"hr\"><\/div>\n<details>\n<summary>Disclosure &#038; Legal Notes<\/summary>\n<div style=\"margin-top:10px\">\n<p><b>Truthful record:<\/b> All statements herein are based on contemporaneous screenshots, provider notifications, and remittance proofs. Images are originals or direct exports from first-party systems.<\/p>\n<p><b>Purpose:<\/b> Preservation of evidence and transparency for regulators, partners, and the public.<\/p>\n<p><b>No legal advice:<\/b> This publication is not legal advice and does not create an attorney-client relationship.<\/p>\n<p><b>Updates:<\/b> This page may be updated to append additional timestamps or exhibits as needed.<\/p>\n<\/p><\/div>\n<\/details>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Public Notice of Record Experian Credit Reporting Misconduct \u2014 Evidence &#038; Timeline Published: August 20, 2025 \u00b7 Issuer: Circuit12.ai, LLC \u00b7 Jurisdiction: United States (Texas) This notice preserves the factual record of Experian\u2019s deceptive reporting practices impacting Circuit12.ai, LLC and its managing member. All statements are supported by exhibits below (screenshots and payment confirmations). This [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-114","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/pages\/114","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/comments?post=114"}],"version-history":[{"count":3,"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/pages\/114\/revisions"}],"predecessor-version":[{"id":121,"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/pages\/114\/revisions\/121"}],"wp:attachment":[{"href":"https:\/\/circuit12.ai\/index.php\/wp-json\/wp\/v2\/media?parent=114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}