Consumer complaint received 2025-07-09 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:
Subject : Request to Block Negative Accounts under Debt Bondage Repair Act ( DBRA ) and FTC Authority and Identity Theft RE : FORMAL DEMAND TO BLOCK AND DELETE ACCOUNTS DEBT BONDAGE REPAIR ACT ( DBRA ), FCRA 605B, FTC VIOLATION ENFORCEMENT To Whom It May Concern : This letter serves as my formal legal demand for the immediate and permanent blocking of specific negative accounts from my credit file as required by the Debt Bondage Repair Act ( DBRA ), the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S. Code 1681c2 ], and regulatory enforcement by the Federal Trade Commission ( FTC ). 

I am a victim of financial exploitation, and the accounts listed below were incurred under conditions of coercion, manipulation, and abuseconstituting debt bondage. Reporting these accounts constitutes a violation of my rights under federal law, and your agency is legally required to investigate and block all such accounts within four ( 4 ) business days upon receipt of this notice and required documentation. 
FEDERAL LAW REQUIRES ACTION : XXXX : This law protects victims of coercion and trafficking from continued financial harm. It mandates that consumer reporting agencies block accounts arising from financial control, fraud, and abuse. 

FCRA 605B [ 15 U.S.C. 1681c2 ] : Requires credit reporting agencies to block and remove fraudulent and coerced accounts when presented with a written statement, ID, and proof of victimization.

FTC Enforcement : The FTC mandates that no information derived from fraud, exploitation, or coercion may remain on a credit file if the victim properly disputes it.

Failure to comply with these laws constitutes willful noncompliance, subject to civil penalties, statutory damages, and further legal action. 

DOCUMENTS ENCLOSED : Copy of government-issued ID Proof of current address ( utility bill or bank statement ) Personal statement detailing the abuse, coercion, or financial control DEMAND FOR ACTION : You are hereby notified to block and permanently delete the above-referenced accounts from all versions of my credit report. Failure to do so within four ( 4 ) business days will be interpreted as a willful violation of FCRA, XXXX, and FTC regulations. I will not hesitate to escalate this matter AGAIN to the Consumer Financial Protection Bureau ( CFPB ), FTC, and pursue all available legal remedies. It was all removed once and you entered it back on report Please provide written confirmation when the accounts have been blocked and removed. 

Accounts to be Blocked and Removed : Creditor Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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