Consumer complaint received 2025-02-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX. I was made aware my by my therapist of a law passed by XXXX XXXX to support victims of XXXX XXXX The 605C of the Fair Credit Reporting Act and the Debt Bondage Repair Act. I have been successful with following th requirements and submitting the necessary documents to other consumer reporting agencies such as XXXX and XXXX. On XX/XX/XXXX I mailed my documents certified to Experian. I have confirmation it was delivered on XX/XX/XXXX and on XX/XX/XXXX I received several emails stating my dispute request were open. 4 business days from XX/XX/XXXX was XX/XX/XXXX. Based on The Acts the Information I requested to be blocked should have been blocked within 4 days. The rules published for the act are as follows : A consumer reporting agency must block adverse information within four business days of receiving a consumers submission. A consumer reporting agency must make a final determination on the consumers request within 25 business days of receiving a consumers submission. A final determination under the Rule is either to initiate or maintain the block of adverse information initially placed or decline and rescind a block. A consumer reporting agency may only decline and rescind a block after notifying the consumer or the consumers representative using the method of contact specified by the consumer and attempting to resolve any deficiencies in the consumers submission. A consumer reporting agency may only decline and rescind a block where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. A consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers trafficking documentation submission. I provided everything yet whoever processed my documents did not follow the guidelines. Even prior to me sending in this paperwork I have sent in other paper in XX/XX/XXXX and XX/XX/XXXX and even spoke with a gentleman by the name of XXXX in XX/XX/XXXX who was very dismissive. Everyone at Experian is ignoring the laws. It is now going on three years and Experian has failed to complete the XXXX XXXX process based on the information. I have submitted multiple times. As of my final document I send a demand notice and intent to sue. Due to me going through the healing process mentally I have yet to do so, however I am still being denied credit for things related to XXXX XXXX which still gives me room to sue. I am aware of the recent lawsuit due to Experian not following the law.

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