Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
I am a victim of XXXX XXXX  and have been trying to rebuild my life. Due to Experian 's personal, willful, and negligent intent to violate the law, I have been unsuccessful in my efforts to remove adverse accounts under the Debt Bondage Repair Act, a law that was signed by XXXX XXXX. 

Experian violated my constitutional rights as outlined in the Fair Credit Reporting Act below : 1. Section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted XXXX  documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( 6 ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXXg under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX  documentation under 1022.142 ( b ) ( 6 ) of this section. 

In XX/XX/year>, Examiners of the CFPB has stated in their supervisory highlights that Credit Reporting Agencies are continuing to violate the laws set to protect me as a survivor. I have submitted court documents which shows the expungement of my criminal records ( Prostitution ) that was a result of XXXX XXXX  Since the case was destroyed, the expungement qualified as a legitimate victim determination document. Experian is consistently declining my request, claiming that they are unable to verify the documents. Under what authority does Experian have the power to function as investigators, and how can they verify expunged court records? All other credit agencies have adhered to the law, with the exception of Experian, which is causing me to feel discriminated against.

Now my life is further endangered due to the intentional and irresponsible actions of Experian and its representatives in disregarding federal laws. It appears that Experian is attempting to further humiliate me by forcing me to contact each creditor to request the removal of the account, when the CRA should be responsible for complying with the law. 

Experian has all of the documents and identity verification to process my request. Please ask them what are they attempting to verify? I am asking for federal and state assistance to hold Experian accountable for violating the laws set under FCRA. If anything happens to me, it will be due to Experian 's negligence.

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