Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: IL
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 writing to file a complaint against Clarity Services Inc., a subsidiary of XXXX, for their failure to place a security freeze on my credit report despite my direct request and the submission of proper identification. This failure to act has resulted in my privacy being subjected to potential fraud, and a completely irresponsible disregard for my privacy rights. 

This failure to properly place a security freeze on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission 's ( FTC ) regulations, specifically 15 U.S.C. 1681c-1 ( c ) and 16 C.F.R. 603.2. These provisions require consumer reporting agencies to place a security freeze on a consumer 's credit report within one business day of receiving the proper identification and request from the consumer.

In violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-1 ( d ), Clarity Services Inc. has failed to place a security freeze on my credit report upon my request and the submission of my full name, social security number, a copy of the back and front of my driver 's license, and current address. 

According to 15 U.S.C. 1681c-1 ( a ) ( 1 ), consumers have the right to place a security freeze on their credit report in order to protect against identity theft and fraud. Additionally, 15 U.S.C. 1681c-1 ( d ) states that a consumer reporting agency shall comply with a request for a security freeze within three business days of receiving proper identification. Clarity Services Inc. failed to comply with these provisions of the FCRA, resulting in a violation of my privacy and exposing my personal information to potential fraud. 

Furthermore, the company 's continued unauthorized exposure of my personal information is continuously leading to unauthorized promotional and account review inquiries to my credit report account without my explicit written or oral consent, which is a violation of the FCRA 15 U.S.C. 1681b ( c ) ( 1 ) ( B ), that prohibits credit reporting agencies from releasing consumer credit information for any purpose other than those specified in the FCRA. This failure to place a security freeze on my credit report has resulted in the potential exposure of my personal and sensitive information to fraud. This is a violation of my privacy rights as protected by the FCRA and the FTC regulations. 

Additionally, these violations have hindered my ability to utilize the banking system fairly, exposed me to potential fraud, and stymied my financial success. As such, I request that the Consumer Financial Protection Bureau take action to ensure Clarity Services Inc. is in compliance with the FCRA and that my rights as a consumer are protected. I request that Clarity Services Inc. be held accountable for their failure to comply with the law and that they take immediate action to place a security freeze on my credit report. Additionally, I request that any necessary steps be taken to ensure that my personal and sensitive information is protected against fraud. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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 explanation