Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act ( FCRA ) and Regulation V XXXX XXXX Final Rule, which was amended in 2022, consumer reporting agencies ( CRAs ) can not make a determination based on the validity of the facts or circumstances in a consumer 's XXXX  documentation submission. It is true that there is not a lot of evidence that directly shows someone is a XXXX XXXX XXXX and XXXX XXXX XXXX  are not always known. Section 1022.142 ( B ) ( 6 ) ( I ) says that health care providers, social service providers, and victim advocates who regularly screen and work with XXXX XXXX XXXX XXXX can make victim determinations. The rule also stipulates that a consumer reporting agency is not permitted to challenge a consumer 's determination that an adverse item of information was the outcome of a severe form of XXXX  in persons or XXXXXXXX XXXX 

A consumer reporting agency may only decline and rescind a block if the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did NOT provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. I have provided a victim determination letter, which should not have been rejected based on the current law and its legal limits. 

CRA 's do not have the authority to make verification calls to different health sources to confirm my XXXX XXXX status or receive any additional information relating to such sensitive personal health information. Health care facilities and any other legal entities that fall under HIPAA requirements are not allowed to disclose such information. Experian has violated my privacy rights and overstepped its constitutional authority by disclosing my name, health status and other personal information to office personnel during their unjust investigation. Experian decided to rescind the block and put back all of the adverse information that resulted from XXXX XXXX because XXXX XXXX XXXX stated that they could not verify the validity of the victim determination letter, which again, Experian had no authority to challenge. This also seems to be a retaliatory strike against me for making my initial complaint with the CFPB regarding XXXX XXXX 's investigative and aggressive behavior. The law was enacted to deprive CRAs of their authority to challenge and question victim determination letters in response to incidents such as those committed by Experian. 

Back in XX/XX/2022, my sister was lured out of our family home and shot in the neck. She had to be airlifted to the XXXX XXXX XXXX XXXX. Federal and local authorities are still investigating the crime committed against my family, and because of XXXX XXXX office crossing the line to verify information, my personal information has been exposed, and now my family is at risk yet again. I can only imagine the negative consequences and blockage of recovery efforts that XXXX XXXX and Experian have caused others. The law was passed to ensure that survivors of XXXX  XXXX  are not unfairly penalized for circumstances beyond their control. Experian has created negative barriers to keep me trapped in negative credit reporting, and has prevented me from accessing housing, employment, and other resources essential for my recovery