Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 605C, which prohibits consumer reporting agencies from including adverse information in consumer reports resulting from XXXX XXXX. Despite submitting valid and legally compliant documentation, Equifax has refused to comply with this federal mandate, thereby causing further harm and undue hardship. 

Issue Description I am a survivor of XXXX XXXX  and have taken the steps outlined in FCRA Section 605C to ensure adverse information related to my trafficking experience is removed from my credit report. To comply with the law, I submitted the following documents to Equifax : A certification letter from the U.S. Department of Health and Human Services ( HHS ) attesting to my status as a victim of XXXX XXXX 
Documentation from a recognized and valid Non-Governmental Organization ( NGO ) supporting my claim. 
Despite these submissions, Equifax has failed to fulfill its legal obligation under Section 605C. Equifax has either : Refused to accept my documentation, which meets all criteria established by the FCRA and its supporting regulations. 
Provided no valid explanation for their refusal or failure to act. 
Continued to report adverse information related to the trafficking situation, which has caused significant harm to my financial stability and mental well-being. 
Impact of Equifaxs Non-Compliance Equifaxs refusal to adhere to federal law has had the following consequences : Continued damage to my credit report and score, affecting my ability to secure housing, employment, and financial services. 
Emotional distress and retraumatization as I am forced to relive my trafficking experience to resolve this matter. 
Violation of my rights as a consumer under FCRA Section 605C.

Resolution Sought I request the CFPB to take the following a

ctions : Investigate Equifaxs failure to comply with FCRA Section 605C.

Compel Equifax to immediately accept and process the documentation I have provided, removing all adverse information that resulted from my trafficking experience.

Ensure that Equifax implements proper procedures to prevent future violations of this law and train their staff to handle such cases appropriately. 
Attachments I have attached the following to support my complaint : Certification letter from the Department of Health and Human Services ( HHS ).

Documentation from a valid NGO.

Copies of all correspondence with Equifax related to this matter, including their refusal or lack of response.

Conclusion Equifaxs actions are a direct violation of FCRA Section 605C, and their failure to address this matter undermines critical protections for trafficking survivors. I urge the CFPB to hold Equifax accountable and ensure compliance with federal law. If Equifax does not take corrective action immediately, I am prepared to pursue additional legal remedies.

Company response to consumer: Closed with explanation