Consumer complaint received 2025-01-25 00:00:00
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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX CA. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX, Equifax, XXXX RE : Formal Demand for Removal of Adverse Credit Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am submitting this formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) for the removal of adverse information from my credit report, as it pertains to my status as a recognized victim of human trafficking. Enclosed, you will find a certified transcript from the Superior Court of California, XXXX XXXX ( Case No. XXXX ), unequivocally affirming my victim status. 
The court findings confirm the following : XXXX. Recognition as a XXXX  XXXX  Victim : The Court found that I was subjected to coercion and physical and emotional abuse by my trafficker, XXXX XXXX, for over 15 years. This culminated in my forced participation in criminal acts under threat of violence against me and my daughter. These circumstances are explicitly documented in the transcript ( XXXX XXXX ). 
XXXX. Court Ruling : The Honorable Judge XXXX XXXX XXXX dismissed the charges against me, citing preponderance of evidence proving that the alleged criminal conduct was a direct result of my victimization. XXXX XXXX stated : I am going to make that finding that these drugs were possessed due to the fear of coercion as a victim of human trafficking, and XXXX going to dismiss these charges and seal her record pursuant to XXXX XXXX section XXXX ( Page XXXX ). 
XXXX. Impact on Financial Activity : My trafficker controlled all aspects of my financial life, forcing actions that have unfairly affected my credit history. As established during testimony, my choices and financial dealings during this time were made under duress ( XXXX XXXX, XXXX ). 
Despite previously submitting this certified documentation, your response indicates a failure to comply with federal law. 15 U.S.C. 1681c-2 requires credit reporting agencies to block information resulting from a consumers status as a trafficking victim upon submission of official documentation. This court-certified transcript fully satisfies the statutory requirement. 
Demands : I request : XXXX. The immediate removal or blocking of any credit report information derived from actions while under duress due to trafficking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis was paid in full in good standing XXXX. Confirmation of compliance within 3 days as required by law. 
Enclosures : XXXX. Court-certified transcript ( XXXX XXXX. XXXX ). 
XXXX. Supporting documentation, including testimony of coercion and ruling details. 
Should you fail to comply, I will escalate this matter through legal and regulatory channels, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and initiating appropriate legal action. 
Please confirm receipt of this demand and notify me of your actions to comply within the specified timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation