Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am having problems with all three credit reporting companies removing the freeze, fraud alert on my credit report.. When I call in they tell me they can't verify my info even though I have given them my social, name, dob and told them current credit cards, monthly payment amount loan balance amount and with who. I want the freeze removed and also the fraud alert removed on all 3 credit reports asap. I have tried in the last few years to fax in the request along with my DL and they still refuse to take this off my credit report. I have been denied credit because of this. 

XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Reference : XXXX Dear XXXX XXXX : This letter is in response to your recent request to open a XXXX XXXX in 4 installment loan. Our records show that you requested a XXXX XXXX in 4 installment loan on XX/XX/XXXX. Your application was pending due to a fraud alert on your credit report. We take additional precautions, as outlined in Federal law, to verify the identity of an applicant when a fraud alert is placed on a consumers credit bureau. As a result, we requested for you to contact us within 5 days of the application attempt. We have not heard from you or we were unable to verify the attempt with you and are therefore unable to give further consideration to your application and the application will be declined. 
Our credit decision was based in whole or in part on information obtained in a report from the consumer-reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 
You also have the right to a free copy of your report from the reporting agency if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. Any questions regarding such information should be directed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Thank you for your interest in XXXX XXXX in 4. 
Sincerely, XXXX FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXXn DC XXXX. 
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil rights Commission administers compliance with this law. 


Experian XXXX Attn : Customer Care XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX

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 non-monetary relief