Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As a surviving victim of XXXX XXXX I am requesting the major three personal credit bureaus Experian, Equifax, and Transunion to block accounts resulting from XXXX according to the Debt Bondage Repair Act and the 13th Amendment to the United States Constitution and other violations of consumer laws that I am to be protected and cared under CONSUMER FINANCIAL PROTECTION BUREAU : Subject : Formal Dispute and Block Request Under Debt Bondage Repair Act XXXX XXXX-Related Identity Theft To Whom It May Concern : I, XXXX XXXX , declare under penalty of perjury that I have prepared this dispute myself. I will not accept any response suggesting doubt about my identity or any stalling tactics. 
This letter serves as a formal dispute and request for the permanent block and deletion of certain credit accounts and inquiries reported under my name that resulted from identity theft under conditions of XXXX XXXX and debt bondage. 
I am asserting my rights under the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2, 1681i, 1681s2 Trafficking Victims Protection Act ( TVPA ), 22 U.S.C. 7102 ( 11 ) Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Consumer Financial Protection Bureau Rule, 12 CFR 1022.142 The Debt Bondage Repair Act, codified under the Fair Credit Reporting Act ( FCRA ) at 15 U.S.C. 1681c-3 FCRA 1681i ( Reinvestigation of Disputed Information ) FCRA 1681c-2 ( Block of Information Resulting from Identity Theft ) FCRA 1681s-2 ( a ) ( 6 ) ( Prohibition of Re-insertion of Deleted Data ) 13th Amendment to the U.S. Constitution ( Prohibition of Involuntary Servitude ) I meet every requirement laid out in federal law and implementing regulations. Therefore, I demand this credit bureau block and permanently delete the credit information I identify herein. 



LEGAL FRAMEWORK & SURVIVOR RIGHTS UNDER THE DEBT BONDAGE REPAIR ACT The Debt Bondage Repair Act ( DBRA ) was enacted to provide survivors like me the legal means to restore their financial dignity. According to the Polaris Project and the New Jersey Coalition Against XXXX XXXX, it is recognized that XXXX often incur fraudulent debts under victims identities, leaving them with lasting financial trauma. 
Per the DBRA and CFPB Rule 1022.142 ( 12 CFR 1022.142 ), consumer reporting agencies must : 1. Accept self-attestation signed by the survivor or a representative as sufficient documentation without requiring additional evidence of the trafficking or coerced connection. 
2. Allow flexibility in required documentation, acknowledging that survivors may lack access to traditional documents due to displacement, fear of retaliation, or trauma. 
3. Not require survivors to prove the nexus between the trafficking and the resulting adverse information. It is legally sufficient for me to self-identify which specific items resulted from the trafficking.


4. Contact the survivor or their representative within five business days of receiving a submission to cure any deficiencies ( as per 12 CFR 1022.142 ( e ) ( 1 ) ).

5. Only deny or rescind a block under limited and specific circumstances ( 12 CFR 1022.142 ( f ) ) : o The identity of the survivor can not be reasonably confirmed ( I have confirmed mine ). 
o The adverse information to be blocked can not be identified ( I am identifying mine clearly ). 
o The submission lacks documentation or attestation ( I have included all required elements ). 

LEGAL OBLIGATIONS UNDER THE DEBT BONDAGE REPAIR ACT & CFPB RULE When President Biden signed the National Defense Authorization Act into law in XXXX, it included the Debt Bondage Repair Act, designed to help survivors reclaim financial agency. The CFPB, along with nonprofit agencies like XXXX and the New Jersey Coalition Against XXXX XXXX, have clarified what this law requires of you : Survivors are permitted to self-identify which credit report items resulted from trafficking.

Survivors are not required to prove the connection between trafficking and adverse items beyond that identification. 
Survivors do not have to submit documentation beyond a self-attestation unless CRA identity confirmation fails. 
CRAs must allow flexibility in documentation if traditional ID is not available. 
You are required to contact me or my representative within 5 business days of receipt if any documentation is missing ( 12 CFR 1022.142 ( e ) ( 1 ) ). 
Blocks can only be denied if : 1. My identity can not be confirmed ( it cansee my ID enclosed ).

2. I fail to identify which adverse information to block ( I have listed all relevant accounts ).

3. No documentation was provided ( a signed police report and self-attestation are attached ). 
Thus, you have no legal grounds to deny this request. 

According to the CFPB Rule ( 12 CFR 1022.142 ) : I am not required to prove the connection between the trafficking and the adverse credit. 
CRAs must accept a self-attestation as sufficient documentation ( no extra proof needed ). 
Survivors often lack traditional documents, and the law mandates flexibility. 
You must notify me within 5 business days of any missing information.

You may only deny a block if : o You can not reasonably verify my identity ( I have submitted ID ) ; o You can not identify the adverse information ( I have listed them clearly ) ; o No documentation was submitted ( I submitted both a police report and a signed attestation ). 
The accounts and inquiries listed below were not authorized by me, but were created or facilitated under coercion, force, or psychological controllegally recognized forms of XXXX  and involuntary servitude. 

Accounts to be Permanently Blocked & Deleted : Creditor Name Account Number Balance Status Notes XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX0XXXX {$7500.00} Charge-Off XXXX-related XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} Closed/Charge-Off Coerced debt XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} Closed/Charge-Off Not initiated by me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$7600.00} Charge-Off Unauthorized use XXXX XXXX {$450.00} Charge-Off XXXXcontrolled XXXX XXXX XXXX XXXX XXXX  XXXX {$18000.00} Open XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX {$32000.00} Repo Vehicle-related coercion XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} Charge-Off Duplicate coercive debt XXXX XXXXXXXX University XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5500.00} Charge-Off Incurred under duress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$600.00} Open Unauthorized use XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} Repossession Coercive auto loan XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} Collections Opened under pressure XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$730.00} Charge-Off Under duress XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX University XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX closed Identity theft by debt bondage Unauthorized Hard Inquiries The following inquiries were made without my consent and XXXX XXXX to XXXX-related applications : Creditor / Company Date of Inquiry XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX University XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under FCRA 604 ( a ) ( 3 ) and 1681b ( c ), these inquiries lack a permissible purpose. Please remove them immediately. 

Self-Attestation of XXXX XXXX Survivor Status I, XXXX XXXX , declare under penalty of perjury that I am a survivor of XXXX XXXX and debt bondage, as defined under federal law ( 22 U.S.C. 7102 and 15 U.S.C. 1681c-3 ). 
The accounts and inquiries listed in this letter were not initiated by me, nor did I authorize them freely. They were created during a period in which I was under coercion, duress, and unlawful control. 
I am invoking my rights under the Debt Bondage Repair Act and the FCRA, and request immediate removal of all listed information.

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