Consumer complaint received 2024-11-12 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: OH

Complaint narrative:
I am filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section XXXX, which prohibits consumer reporting agencies from including adverse information in consumer reports resulting from human trafficking. Despite submitting valid and legally compliant documentation, Experian has refused to comply with this federal mandate, causing undue harm and hardship. 

Issue Description I am a XXXX XXXX XXXX XXXX and have taken the steps required under FCRA XXXX XXXX to ensure adverse information related to my trafficking experience is removed from my credit report. To comply with the law, I submitted the following documents to Experian : A certification letter from the XXXX Department XXXX XXXX and XXXX XXXX ( XXXX ) attesting to my status as a victim of human trafficking. 
Documentation from a recognized and valid Non-Governmental XXXX ( XXXX ) supporting my claim. 
Despite these submissions, Experian has failed to meet its legal obligation under XXXX XXXX. Specifically, Experian has : Refused to accept my documentation, which meets all criteria established by the FCRA and its supporting regulations. 
Provided no valid explanation for their refusal or failure to act. 
Continued to report adverse information related to the trafficking situation, causing ongoing harm to my financial stability and well-being. 
Impact of Experians Non-Compliance Experians refusal to comply with federal law has caused the following : Continued damage to my credit report and score, impacting my ability to secure housing, employment, and financial services. 
Emotional distress and retraumatization as I am forced to relive my trafficking experience to resolve this matter. 
Violation of my rights as a consumer under FCRA Section XXXX. 
XXXX Sought I request the CFPB to take the following actions : Investigate Experians failure to comply with FCRA XXXX XXXX. 
XXXX Experian to immediately accept and process the documentation I have provided, removing all adverse information that resulted from my trafficking experience. 
Ensure that Experian implements proper procedures to prevent future violations of this law and train their staff to handle such cases appropriately. 
Attachments I have attached the following documents to support my complaint : Certification letter from the Department XXXX XXXX and XXXX XXXX ( XXXX ). 
Documentation from a valid XXXX. 
Copies of all correspondence with Experian related to this matter, including their refusal or lack of response. 
Conclusion Experians actions constitute a direct violation of FCRA Section XXXX, and their failure to address this matter undermines critical protections for trafficking survivors. I urge the CFPB to hold Experian accountable and ensure compliance with federal law. If Experian does not take corrective action immediately, I am prepared to pursue additional legal remedies.

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