Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached the comprehensive documentation submission for the CFPB and its XXXX XXXX to review. This documentation was submitted to Experian and the XXXX XXXX XXXX XXXX to remove adverse information that was a result of Human Trafficking. I am asking that the leadership examine all documents and request that Experian respond to the Consumer Financial Protection Bureau ( CFPB ) and XXXX to specify the information that they are unable to verify, and why adverse information is still reflected on my credit report. 

I DID NOT give Experian nor its representatives ( XXXX XXXX ) permission to access any of my sensitive personal health records to verify human trafficking status. Experian and its representatives are disobeying laws set by XXXX as they are creating barriers to keep innocent Americans stuck in negative credit reporting. Experian has declined my request to remove adverse information that resulted from severe form of trafficking repeatedly since XX/XX/XXXX stating that they are unable to verify human trafficking victim status. Please keep in mind that CFPB has taken regulatory and enforcement actions to strengthen the consumer reporting and furnishing systems. Consumer reporting companies failed to block or remove information related to human trafficking. Examiners found that Experian refused to honor consumer requests to block information associated with human trafficking based on overbroad AND unauthorized criteria. In response to the CFPBs findings, the involved consumer reporting companies were required to take corrective actions. For example, CFPB examiners directed consumer reporting companies to revise their compliance processes to ensure that they process all human trafficking block requests per the law. 

In XXXX, XXXX passed the XXXX XXXX XXXX XXXX, forbidding consumer reporting agencies from including negative information related to XXXX and/or labor trafficking in consumer reports. A consumer reporting agency XXXX not make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission. A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of information resulted from a severe form of trafficking in persons or XXXX trafficking under the XXXX. A consumer reporting agency XXXX only decline and rescind a block if a victim determination letter has NOT been provided. Experian and its representatives does not have the XXXX to dispute victim determination documents NOR conduct unauthorized verification of protected health information that a facility is not allowed to disclose under XXXX rules and regulation. 

I should also mention that XXXX, who have followed the law set by XXXX and signed by XXXX XXXX XXXX, had everything completed by XX/XX/XXXX. XXXX prompt service has shown the barriers and harm that Experian and XXXX XXXX has created to not only harm me, but to others facing the same ordeal. Unacceptable.

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