Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX  RE : XXXX XXXXand for Removal of Adverse Credit Information Under XXXX U.S.C. XXXX To Whom It May Concern, I am submitting this formal demand under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ) for the removal of adverse information from my credit report, as it pertains to my status as a recognized victim of human trafficking. Enclosed, you will find a certified transcript from the XXXX XXXX XXXX XXXX XXXX XXXX ( Case XXXX. XXXX ), unequivocally affirming my victim status. 
The court findings confirm the following : 1. Recognition as a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These circumstances are explicitly documented in the transcript ( Pages 2022 ). 
2. Court Ruling : The Honorable Judge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX ( Page 44 ). 
XXXX. Impact on XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, forcing actions that have unfairly affected my credit history. As established during testimony, my choices and financial dealings during this time were made under duress ( Pages 18-20, 39 ). 
Despite previously submitting this certified documentation, your response indicates a failure to comply with federal law. XXXX U.S.C. XXXX requires credit reporting agencies to block information resulting from a consumers status as a XXXX XXXX upon submission of official documentation. This court-certified transcript fully satisfies the statutory requirement. 
Demands : I request : 1. The immediate removal or blocking of any credit report information derived from actions while under duress due to trafficking. 
a ) XXXX XXXX XXXX ( XXXX ) Collection account b ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX d ) XXXX XXXX XXXX XXXX ) XXXX XXXX  ) XXXX XXXX XXXX ) Correct XXXX XXXX XXXX this was paid in full in good standing 2. Confirmation of compliance within 3 days as required by law. 
Enclosures : 1. Court-certified transcript ( XXXX XXXX. XXXX ). 
2. Supporting documentation, including testimony of coercion and ruling details. 
Should you fail to comply, I will escalate this matter through legal and regulatory channels, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and initiating appropriate legal action. 
Please confirm receipt of this demand and notify me of your actions to comply within the specified timeframe. 
Sincerely, XXXX XXXX

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