Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
CFPB Complaint Experian 's Ongoing Violations of FCRA 605C and Discriminatory Obstruction Business Name : Experian Information Solutions , Inc . 
Complaint Type : Credit Reporting Incorrect or Unlawfully Retained Information Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Problem Started : XX/XX/year> Complaint Filed On : XX/XX/year> Summary of the Complaint : I am a XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX XXXX in both XXXX  and XXXX XXXX. I submitted multiple complete, legally compliant 605C requests to Experian beginning in XX/XX/year> to have credit accounts resulting from XXXX  blocked from my report in accordance with FCRA Section 605C ( 15 U.S.C. 1681c3 ) and 12 C.F.R. 1022.142.

Experian has violated federal law by : Refusing to block credit items within the required 4 business days, even after receiving full documentation.

Claiming a wet signature is required, despite no such requirement under 605C or its implementing regulation.

Improperly rejecting my self-attestation, even though I provided two third-party determination letters from XXXX XXXX authorized XXXXXXXXXXXX agency recognized by both federal and state authorities. 
Asserting a false conflict of interest, claiming I can not submit a valid letter for myself due to having signed off on others ' cases in my clinical role. This misinterprets federal guidance and attempts to disqualify me for being both a provider and survivor, despite clear separation between cases and identities. 
Retraumatizing me by forcing repetitive re-disclosures and refusals, undermining the survivor protections these laws are designed to enforce. 
Violations Include : Failure to block within 4 business days of submission ( 12 C.F.R. 1022.142 ( f ) ( 2 ) ) Failure to notify of deficiencies within 5 days ( 12 C.F.R. 1022.142 ( f ) ( 3 ) ) Failure to make final determination within 25 days ( 12 C.F.R. 1022.142 ( f ) ( 4 ) ) Imposition of unlawful standards ( e.g., requiring wet signatures ) Discrimination and procedural bias based on my dual role as survivor and licensed clinician Failure to honor submissions from federally authorized anti-trafficking organizations Attempts to Resolve : I have submitted all required materialsproof of identity, itemized list of adverse accounts, a compliant self-attestation, and third-party determinations from XXXX XXXX XXXX via Experians secure upload system. 
On XX/XX/year>, I spoke with an Experian representative named XXXX, who reaffirmed that my request was denied due to electronic signatures and my clinical rolea justification that misapplies the law and contradicts their obligations. 
I have XXXX open CFPB cases relating to this issue, all of which document Experians pattern of delay, misrepresentation, and obstruction. 
Harm and Damages : Ongoing damage to creditworthiness and housing access Severe emotional distress and retraumatization Loss of XXXX XXXX  and time as a XXXX forced to relitigate my own XXXX  Systemic harm to others whose rights may also be denied due to Experians misapplication of the law

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