Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

AMENDED As to your correspondence dated on or about XX/XX/XXXX XXXX Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX 

( C ) Is of a signed statement by the consumer attesting that the consumer is a victim of XXXX  if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( XXXX ) ( i ) ( A ) or ( B ) of this section. 

A authorized representative of the State of Florida, Notary are required to have an official Government Seal from the State of Florida, A Notarized affidavit of Truth, is trafficing victim Determination Document. Whereas : The XXXX  VICTIMS ' LETTER TO CONSUMER REPORTING AGENCIES. 

Trafficking Documentation You are required to provide an acceptable Victim Determination statement, which is documentation of a determination that a consumer is a victim of XXXX, made by either : a self-attestation by a consumer who identifies as a victim of XXXX  that is signed or certified by a Federal, State, XXXX Tribal government entity, court of competent jurisdiction, or an authorized representative of these entities. 

Types of XXXX  covered You XXXX be eligible for these blocking protections if you experienced the following : Labor XXXX  if you were transported or harbored by force or fraud for slavery, debt bondage, or involuntary servitude XXXX XXXX agency, are using Misleading tactics to deceive the XXXX  victim. 

XXXX XXXX agency, have recieved all required documents by XXXX. 

___________________________________________________________________/ CFPB Finds Violations of Credit Report Accuracy Requirements, Including for Survivors of XXXX  XXXX  Examiners also found furnishers failed to correct false information and reported fraudulent information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) today published an edition ofSupervisory Highlightsto share key findings from recent examinations about continuing accuracy problems in the credit reporting system. The CFPB found consumer reporting companies failed to ensure the accuracy of credit reports, including by failing to exclude information resulting from alleged identity theft or XXXX XXXX The CFPB also found furnishers companies that provide information to consumer reporting companies failed to correct false or fraudulent information sent to consumer reporting companies. 

Survivors of XXXX  XXXX  and victims of identity theft have the right to block information improperly placed on their credit report, said CFPB Director Rohit Chopra. We will be taking additional steps to ensure that companies correct false and inaccurate information on credit reports.

Consumer reporting companies and furnishers play a crucial role in ensuring the accuracy and integrity of information contained in credit reports. Inaccurate or false information can infect credit reports because of reporting failures by consumer reporting companies or by those who furnish information, including banks, loan servicers, and debt collectors. Inaccurate or false information can also end up on credit reports when consumer reporting companies and furnishers do not follow their dispute resolution obligations or their obligations relating to identity theft and XXXX XXXX 

The CFPB continues to prioritize examinations of consumer reporting companies and furnishers. CFPB examiners have found failures by these companies to follow aruleimplemented in XX/XX/XXXX to help survivors mitigate the financial consequences of XXXX XXXX The rule requires credit reporting companies to block, from credit reports, adverse information that resulted from XXXX XXXX Specifically, todays edition XXXX XXXX : XXXX reporting companies failed to block or remove information related to identity theft and XXXX XXXX  : Examiners found that companies refused to honor consumer requests to block information associated with identity theft based on over broad criteria; failed to inform consumers when blocks were denied or rescinded ; failed to provide victims of identity theft with summaries of rights ; and failed to timely block all information resulting from XXXX  XXXX  identified by consumers. 

Consumer reporting companies accepted information from unreliable furnishers : Examiners found companies accepted information from furnishers that may have been no longer providing reliable, verifiable information about consumers. For example, consumer reporting companies continued to include information from furnishers that failed to respond to all or nearly all disputes or that issued the same responses to all disputes. 

Furnishers provided information to consumer reporting companies they knew was false : Examiners found that auto loan furnishers continued to share incomplete or inaccurate information for several months or even years after learning the information was false, incomplete, or inaccurate. In other instances, furnishers provided information even after they determined the information was fraudulent or due to identity theft. 

Furnishers did not follow requirements for dispute investigations and identity theft : Examiners found that some furnishers continued to furnish information that consumers were disputing without indicating the information was in dispute. In other instances, furnishers failed to conduct investigations into the accuracy of information consumers disputed. 

In response to the CFPBs findings, the involved consumer reporting companies and furnishers are taking corrective actions. For example, CFPB examiners directed consumer reporting companies to revise their compliance processes to ensure that they process all XXXX XXXX block requests per the law. In other instances, furnishers conducted look backs to ensure they deleted all accounts they determined to be opened fraudulently. 

In addition to its supervision work, the CFPB has taken regulatory and enforcement actions to strengthen the consumer reporting and furnishing systems. The CFPB launched arule makingto remove many types of medical debt from credit reports. The CFPB also issuedadvisory opinionsto address inaccurate background check reports and sloppy credit file sharing practices. 

In XX/XX/XXXX, the CFPB XXXX XXXX XXXX pay {$60.00} XXXX for illegal lending and credit reporting misconduct. In XX/XX/XXXX, the CFPB and Federal Trade Commission took actions XXXX  illegal rental background check and credit reporting practices, for which XXXX was ordered to pay {$23.00} XXXX.