Consumer complaint received 2024-11-11 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 filing this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 605C, 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 survivor of human trafficking and have taken the steps required under FCRA Section 605C 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 U.S. Department of Health and Human Services ( HHS ) attesting to my status as a victim of XXXX XXXX 
Documentation from a recognized and valid Non-Governmental Organization ( NGO ) supporting my claim.

Despite these submissions, Experian has failed to meet its legal obligation under Section 605C. 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 605C.

Resolution Sought I request the CFPB to take the following actions : Investigate Experians failure to comply with FCRA Section 605C.

Compel 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 of Health and Human Services ( HHS ).

Documentation from a valid NGO.

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 605C, and their failure to address this matter undermines critical protections for XXXX  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