Consumer complaint received 2024-03-28
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. (MD)

Complaint Against Experian for Violation of FCRA Provision Dear Sir/Madam, I am writing to file a formal complaint against Experian, a consumer reporting agency, for their egregious violation of the Fair Credit Reporting Act ( FCRA ), specifically 12 CFR 1022.142 ( e ) ( 4 ). On XX/XX/year>, I submitted documentation to Experian demonstrating that I was a victim of human trafficking. Despite this, Experian has failed to take appropriate action, and their actions have caused significant harm to my credit and well-being. 

On XX/XX/year>, XXXX XXXX of Experian 's XXXX XXXX  department contacted me and informed me that they would not be proceeding with my case because they purportedly found that my certified non-governmental organization ( XXXX ) was not accredited. I have since attempted to contact XXXX XXXX multiple times, leaving several voicemails expressing my concerns and seeking resolution. Additionally, I have requested to speak with her supervisor, XXXX XXXX, but my calls have gone unanswered, and no action has been taken to rectify the situation. 

Experian 's refusal to block adverse information from my consumer report, despite the validity of the submitted trafficking documentation, is a clear violation of FCRA regulations. 12 CFR 1022.142 ( e ) ( 4 ) explicitly prohibits consumer reporting agencies from refusing to block adverse information based on the validity of the submitted trafficking documentation. By disregarding this provision, Experian has not only failed to uphold their legal obligation but has also betrayed the trust of consumers like myself who rely on them for accurate reporting. 

If Experian 's XXXX XXXX  department had performed their due diligence, they would have easily verified the legitimacy of my XXXX by visiting the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX website. On the website, under the " Advocates '' section at XXXX XXXX XXXX the XXXX affiliation of XXXX XXXX XXXX, my advocate, is clearly listed as a certified XXXX. Experian 's failure to conduct such basic verification demonstrates negligence and a lack of commitment to their responsibilities. 

I am deeply concerned about the impact this has had on my creditworthiness and reputation. Experian 's actions have not only hindered my ability to access financial services but have also caused emotional distress due to the re-traumatization of my experiences as a XXXX XXXX XXXX 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Experian for their violation of FCRA regulations. I also request that Experian be compelled to remove the negative item from my consumer report immediately and take steps to rectify any damage caused to my credit and reputation. 

Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in ensuring that consumer reporting agencies like Experian uphold their legal obligations and protect the rights of consumers. 

Sincerely, XXXX XXXX XXXX