Consumer complaint received 2025-01-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 

Dispute Department XXXX XXXX XXXX XXXX XXXX  XXXXXXXX Subject : Formal Dispute of Credit Report Information Violations of FCRA, CFPA, and XXXX XXXX Laws To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information on my credit report. For over a year, I have provided Experian with all required documentation under federal law to demonstrate that adverse information on my credit report is directly tied to my status as a survivor XXXX XXXX XXXX. Despite this, Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Debt Bondage  Repair Act, causing severe harm to my ability to rebuild my life. 
Legal Obligations and Violations Under the Debt Bondage Repair Act, which amended the FCRA in XXXX, Experian is required to block adverse information resulting from XXXX XXXX within four business days of receiving proper documentation and to make a final determination within 25 business days. My documentation includes : A 605C Self-Attestation Form signed and certified by a tribal government entity, as permitted under the law. 
Determination letters from a XXXX XXXX XXXXXXXX, my attorney, and my tribal government, all of which meet the criteria outlined in the CFPBs final rule implementing the Debt Bondage Repair Act. 
Despite submitting these materials repeatedly for over a year, Experian has failed to block or remove the adverse information. This refusal violates 15 U.S.C. 1681c-2, which mandates the blocking of adverse information resulting from XXXX XXXX 
Additionally, I reference the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/XXXX complaint against Experian ( Case No. XXXX ), which highlights systemic failures in Experians handling of consumer disputes, including : 1. Failure to conduct reasonable reinvestigations into consumer disputes, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
2. Failure to forward all relevant information to furnishers, including consumer-provided documentation, in violation of 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). 
3. Failure to block adverse information resulting from identity theft or XXXX XXXX as required by 15 U.S.C. 1681c-2. 
4. Improper reliance on furnishers responses, even when evidence suggests the furnishers are unreliable.

5. Failure to notify consumers of the results of reinvestigations clearly and accurately, in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). 

The CFPBs XX/XX/XXXX Supervisory Highlights further emphasize that Experian has repeatedly failed to comply with the XX/XX/XXXX rule requiring the blocking of adverse information tied to XXXX XXXX. Experians refusal to accept determinations from legitimate entities, such as XXXX XXXX XXXX  and tribal governments, demonstrates ongoing noncompliance with federal law. 

Personal Harm and Impact : Experians refusal to follow the law has caused me immense harm. For over a year, I have been unable to secure housing due to the adverse information on my credit report. As a result, I have been forced to live in and out of homeless shelters, and at one point, I lived in a tent with my XXXX grandchildren. This has caused significant emotional distress, disrupted my ability to rebuild my life, and perpetuated the financial abuse I endured as a survivor of XXXX XXXX 

The adverse information on my credit reportwhich I have repeatedly demonstrated is directly tied to my XXXX  experiencehas also prevented me from obtaining stable employment, affordable housing, and access to credit on fair terms. This is precisely the type of harm the Debt Bondage Repair Act was designed to prevent, yet Experian continues to disregard its legal obligations. 

My Specific Disputes : The following items on my credit report are directly tied to my status as a survivor XXXX  XXXX XXXX and must be blocked or removed under 15 U.S.C. 1681c-2 : 1. ( See documentation with adverse items ) 2. These items were incurred because of financial abuse by my trafficker and should not remain on my credit report. 

Supporting Documentation : Enclosed, I have included the following documentation to support my dispute : My completed 605C Self-Attestation Form, signed and certified by a tribal government entity. 
Determination letters from my XXXX XXXX  XXXX, attorney, and tribal government. 
My personal self-attestation statement notarized by a notary substantiating I am a XXXX XXXX victim. 

Resolution Requested I request that Experian take the following actions immediately : 1. Block and remove all adverse information related to my status as a survivor of XXXX XXXX, as required by 15 U.S.C. 1681c-2 and the Debt Bondage Repair Act. 
2. Provide written confirmation that the disputed items have been removed or blocked within the legally mandated period.

3. Ensure compliance with the FCRA and CFPA by conducting a reasonable reinvestigation and notifying me of the results clearly and accurately. 
Failure to address this dispute in accordance with federal law will result in additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 
Closing Experians ongoing refusal to comply with the law has caused me and my family immense harm. I expect a response to this dispute within 30 days, as mandated by federal law. If you require additional information, please contact me at the address, email, or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX, Enclosures : 605C Self-Attestation Form Supporting documentation ( XXXX determination, attorney letter, tribal government letter, etc. ) Documentation verifying my identity. 
Adverse items on my credit report that are the result of 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