Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This message is to the CFPB and to the FTC to formally investigate Experians handing of my legal rights under the debt bondage act protecting victims of human trafficking. I am now attaining a lawyer and plan to fight not only for my rights but women like me that this law is supposed to protect.

While other credit bureaus have already verified and handled the situation with respect, Experian has not. The law is not up for Experians interpretation.

Under the law Experian is required to block all disputed accounts as identified under the debt bondage act within 4 days while they investigate. Experian has failed to do so. It has been 20 days since I initially filed on XX/XX/XXXX. 

I started calling Experian XX/XX/XXXX because I had not heard back from them. I finally got a hold of someone that said Experian had communicated by mail on XX/XX/XXXX that my application was denied. I asked why? It was stated that they couldnt verify my XXXX. 

This is completely unacceptable. Experian needs to hire a team that is experience with this sensitive topic and actually knows the law. 

XXXX. I have asked repeatedly that Experian not contact me though mail as I do not always receive my mail. I have asked to be emailed correspondence. It can be dangerous to communicate with victims this way as we often jump house to house or have people checking our mail. 
XXXX. Experian has failed to do their due diligence and has instead stated over the phone ( not in writing via email ) that they decided that my XXXX does not qualify. A quick XXXX search would have shown them that not only does the XXXX that signed my paperwork qualify ( which by the way- experian doesnt get to determine that ) but they are XXXX of the oldest XXXX  in the United states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has been around since XXXX. Not only do they provide resources to human trafficking victims and fight to proetc victims but they are also part of a group of about XXXX XXXX  that lobby for human trafficking victim legislation to be passed federally. The reason XXXX signatures were added to the law as verifiable sources in the first place is because MOST instances of human trafficking go unreported to law enforcement out of fear and safety. If this is not upheld you have a large number of women and children that suffer in silence when laws like these are made to protect us. The law is written the way it is for a reason by legislators that understand human trafficking and the sensitivity of the topic. Its not up to Experian to try to make their own interpretation of that law. By doing so you are perpetuating the abuse women like myself have already had to endure. 

I have submitted everything required by law XXXX. Identification ( drivers license submitted ) XXXX. Letter of what items to be blocked XXXX. XXXX attest letter signed by ngo ON the template Experian has requested. 

This will be my last attempt to solve this matter without legal representation. I am asking you follow the law and block these items within 4 days.

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