Consumer complaint received 2025-01-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
FRCA Section XXXX prohibits CRAs from reporting adverse credit information that resulted from XXXX XXXX XXXXf the consumer has provided documentation. 

I PROVIDED them with XXXX XXXX victim determination letter. They deemed the XXXX  determination letter was invalid, but I still had a signed SELF attesting letter signed by a XXXX XXXX. 
Which only XXXX is required. C ) Is of a signed statement by the consumer attesting that the consumer is a victim of trafficking if such statement or an accompanying document is signed or certified by a representative of an entity described in paragraph ( b ) ( XXXX ) ( i ) ( A ) or ( B ) of this section. 


I got a email on XX/XX/year> stating Based on our review of your request and accompanying documents, the following additional information or documentation is necessary to complete your submission under section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142 : Victim determination documentation confirming that you were a victim of human trafficking, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement ; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity ; or a determination by court in a case where a central issue is whether you are a victim of XXXX XXXX Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a XXXX XXXX XXXX XXXX 

So on XX/XX/year> I resubmitted both self attest letter and victim determination letter. 

By law they have XXXX business days the receive this information and I received a notices stating that Confirmation # XXXX Dear XXXX XXXX, We completed our review of your request to remove information from your Equifax credit file due to the information being the result of human trafficking. 
For the reasons stated below, Equifax has declined your request and has not removed information from your Equifax credit file : To determine the outcome of your request, Equifax reviewed your request, the accompanying documentation, the requirements of Section XXXX of the Fair Credit Reporting Act, and the items reporting on your Equifax credit file. 
Equifax also attempted to resolve the deficiencies with your submission by sending you XXXX notices, but we did not hear from you or you were not able to resolve the above issues in enough time to complete your request. If you have questions about the outcome of your request, wish to appeal the outcome, or want to submit a new request with the completed documents, contact us at ( XXXX ) XXXX ( toll free ) or XXXX XXXX XXXX, XXXX GA XXXX. To submit a complaint to the Consumer Financial Protection. 

They closed my dispute before the XXXX business days and the same day they requested more information. Even thought I already sent all of the necessary documentation.

Company response to consumer: Closed with explanation