Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent all appropriate information to the credit reporting agencies with no help they are suppose to delete and block information yet they keep giving me the run around saying they cant see my picture or having me sign on documents that only require one signature then not removing the information in the proper time. Just as a reminder I have had consultation so I know I have provided the appropriate documents because I called the support line, and they walked me through the process and looked over all my documents so please delete and block the information in the allotted time so that I can move on please. 


I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation notarized, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under trafficking according to Trafficking-Debt Bondage 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. 
Which I have provided both all of my documentation as well as an attestation validated by a court appointed representative hence the form was read and notarized. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the trafficking CFPB -FCRA FINAL FACT. I have been in therapy since before the final ruling effective date July 25, 2022, and I have self- attested as well as provided documentation showing I am in group sessions with an advocacy group and my attestation was signed by a State appointed rep from the courts with time stamp and dates. I have provided all appropriate documentation and Im in compliance under the Final Rule which established me as a victim of debt bondage which falls under trafficking. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on the previous communication.

What you need to submit To block trafficking-related information from your credit report, you need to submit : ( 1 ) Proof of identityI sent my CLEAR copy of my drivers license, ( 2 ) Trafficking victim determination I provided this notarized statement from a court appointed notary- You also may provide a self-attestation, provided that it is signed by a representative from a governmental entity- The Advocacy group also is authorized by a government entity, court, authorized NGO or human trafficking task force.

( 3 ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report.

Thank you for your understanding and cooperation.

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