Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am submitting this complaint regarding improper credit reporting, failure to honor a federally mandated trafficking block request, and continued collection activity on accounts that should have been blocked and removed pursuant to 15 U.S.C. 1681c-3. 

In late XXXX, I submitted formal trafficking documentation to all three nationwide consumer reporting agencies ( Equifax, Experian, and XXXX  ). The documentation met the statutory requirements for a trafficking block request. XXXX processed my request promptly, removed all affected adverse accounts, and confirmed that the block and deletions were valid under federal law. 

Since XX/XX/XXXX, Equifax and Experian have declined to honor the same federally compliant trafficking documentation. I have submitted multiple requests and supporting materials to both CRAs during XXXX. Both CRAs have continued to report more than XXXX adverse accounts that XXXX  removed in response to the same documentation. These accounts have continued to appear on my reports for over 12 months despite proper notice and documentation. 

A third-party debt collector currently holds XXXX of these accounts and has continued reporting them to both Equifax and Experian throughout this period. In XXXX, that same collector filed a collection lawsuit against me based on XXXX of the accounts that had already been removed and blocked by XXXX. To my understanding, ongoing reporting and collection activity after a trafficking block has been triggered is not permitted. 

The issues in this complaint include : Equifaxs failure to implement the trafficking block, remove adverse information, or cease reporting after receiving federally compliant documentation. 

Experians failure to implement the trafficking block, remove adverse information, or cease reporting after receiving federally compliant documentation. 

Continued monthly reporting by a third-party debt collector and multiple furnishers on blocked accounts. 

Active collection and litigation by a debt collector on an account that had already been removed by XXXX pursuant to a trafficking block request. 

I have made repeated good-faith attempts to resolve these issues directly with the CRAs and have provided documentation multiple times. The trafficking documentation submitted to all three CRAs was identical, and XXXX acceptance confirms that the documentation meets statutory requirements. Equifax and Experian have continued to report the affected accounts for more than a year after receiving proper notice. 

I am requesting CFPB assistance to ensure that : The trafficking block is implemented consistently by all CRAs, All affected adverse accounts are removed, Furnishers and collectors cease reporting or collection activity on covered accounts, Any internal compliance failures are addressed to prevent future recurrence. 

I am not requesting legal advice. I am requesting regulatory intervention, compliance review, and corrective action to ensure that all parties comply with federal trafficking protections and reporting requirements. 

I can provide : Copies of my trafficking documentation submissions, XXXX confirmation of the block and deletions, CRA denial correspondence, Screenshots showing continued reporting by Equifax and Experian, Documentation related to the collection litigation involving a blocked account. 

Thank you for reviewing this complaint.

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