Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am a documented victim of human trafficking, as confirmed in a certified letter from the XXXX XXXX XXXX XXXX. I submitted full documentation to Experian under the Fair Credit Reporting Act ( FCRA ) 605C [ 15 U.S.C. 1681c-3 ], which mandates that credit reporting agencies block adverse items of information resulting from human trafficking within 4 business days of receipt. Experian has failed to comply with this federal law, refused to delete fraudulent accounts, and has even reinserted previously deleted data in direct violation of the law.

Accounts that must be deleted immediately under FCRA and human trafficking protection laws : XXXX XXXX ( XXXXXXXX XXXX XXXX Reinserted after deletion. 

XXXX XXXX XXXX XXXX. Identity theft dispute and cease-and-desist ignored. 

Chime/ The XXXX Bank XXXX as 30 days late even though the balance is {$0.00} and no payment was due. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 total XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX These are tied to identity theft and were disputed with identity theft affidavit, police report, and trafficking certification already on file. 

Violations of Federal Law : FCRA 605C [ 15 U.S.C. 1681c-3 ] : Failure to block all adverse items upon receipt of human trafficking documentation.

FCRA 605C ( c ) ( 2 ) : Experian failed to notify furnishers and did not block or suppress data linked to human trafficking as required.

FCRA 1681i ( a ) ( 5 ) ( B ) : Experian reinserted the XXXX XXXX account after it was deleted without proper notice, certification, or consumer notification. This was done recklessly and maliciously. 

FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy. Fraudulent accounts were not blocked despite my detailed evidence.

FCRA 1681g ( a ) : Denied me full access to my credit file after dispute, including refusal to provide information regarding reinsertion.

FCRA 1681c-2 ( also 605B ) : Failure to block identity theft-related data after receiving police report and FTC affidavit.

12 U.S.C. 5536 ( CFPA - UDAAP ) : Unfair, deceptive, and abusive conduct by continuing to report accounts known to be the result of trafficking and identity theft.

Damages Caused by Experian 's Failures : Credit score dropped over XXXX points ( from XXXX to XXXX ). 

Lost mortgage approval on a {$480000.00} home due to false data Experian refused to remove. 

Incurred financial losses, emergency relocation costs ( ~ $ XXXX ), and denial of basic housing. 

Emotional distress, exacerbation of XXXX, and emergency room visits directly linked to credit damage and Experians inaction. 

Violation of civil rights under federal trafficking protection laws. 

Documentation Previously Submitted to Experian : Certified human XXXX status letter from XXXX XXXX Prosecutor FTC Identity Theft Affidavit Police report Prior CFPB complaint correspondence XXXX complaint ID XXXX XXXXXXXX Dispute results and reinserted tradeline alerts ( screenshots ) Cease and desist letters to Diversified Adjustment Proof Chime account was {$0.00} and should not report as late Important update : I have recently submitted new and updated human trafficking verification documentation, along with evidence of an active federal court case concerning these violations. This strengthens my legal standing under FCRA 605C and supports further CFPB enforcement and monitoring of Experians ongoing noncompliance.

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