Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian Federal Case number XXXX XXXX. : XXXX XXXX XXXX XXXX XXXX XXXX survivor status Confirmed by the XXXX XXXX XXXX XXXX ( XXXX, XXXX ). 
These actions constitute violations of FCRA 605C ( survivor protections ), FCRA 611 ( a ) ( 5 ) ( B ) ( prohibition on reinsertion without notice ), the Trafficking Victims Protection Reauthorization Act ( TVPRA ), and XXXX XXXX ( discriminatory denial of services to a person with a XXXX ). 
XXXX. SPECIFIC ACCOUNTS AND ITEMS SEEKING PERMANENT DELETION Creditor Account # ( XXXX ) Current Status Reason for Deletion XXXX XXXX Closed / Derogatory Re inserted after prior removal ; collection/charge off XXXX XXXX Closed Improper derogatory reporting XXXX / XXXX  All accounts Derogatory Fraudulent ; collection XXXX XXXX Derogatory Unauthorized collection Experian has over XXXX inquiries that need to be deleted NOTE : This table is illustrative. Plaintiff requests deletion of any negative, fraudulent, or trafficking related itemincluding late payment marks, inquiries, and derogatory remarksattached to her name or to the MetaTheCreativeMastermindSocietyTrust.

III. LEGAL VIOLATIONS 1. Re insertion of Deleted Items Defendants violated FCRA 605C and 611 ( a ) ( 5 ) ( B ) by restoring items that had been lawfully removed after the plaintiff presented proof of fraud and trafficking related identity theft.

2. Failure to Block Trafficking Related Reporting Defendants ignored the statutory survivor protections provisions of the TVPRA and continued to allow negative reporting that jeopardizes the plaintiffs safety and livelihood.

3. ADA Discrimination By refusing to accommodate the plaintiffs disability related needs ( e.g., providing accessible communication, halting discriminatory reporting ), the defendants denied her equal access to credit services, violating ADA TitleIII.

4. Denial of Dispute Process Defendants denied the plaintiff timely access to the dispute portal, contravening both the FCRA and the ADAs requirement for effective communication. 

I am a confirmed humantrafficking survivor ( XXXX XXXX XXXX  Hotline XXXX, confirmed XXXX ). I am also a person with a XXXX. I am filing this complaint against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ), the Trafficking Victims Protection Reauthorization Act ( TVPRA ), and the Americans with XXXX XXXX ( XXXX ). 

In XXXX, Experian properly deleted multiple fraudulent and traffickingrelated accounts from my credit file after I provided certified documentation. 

In XXXX, Experian reinserted those same accounts without notifying me in advance, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Experian has also failed to permanently block traffickingrelated negative information as required by FCRA 605C.

I have over 20 unauthorized inquiries still showing, tied to traffickingrelated activity, which should also be removed Why this is serious : Experian knowingly rereported items that were already confirmed as fraudulent and traffickingrelated. This harms my safety, credit access, housing stability, and financial recovery as a survivor. By blocking my access to their dispute portal and failing to provide XXXX accommodations, they further violated my legal rights.

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