Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

RE : DEMAND FOR SECURITY FREEZE, REMOVAL OF INFORMATION, AND REQUEST FOR DISCLOSURE REPORT UNDER FCRA To Whom It May Concern : This is a formal and aggressive demand for immediate compliance with my rights under the Fair Credit Reporting Act ( FCRA ). This is not a request but a demand. Your immediate action is required. 
XXXX. Security Freeze Demand : Effective immediately, I am placing a security freeze on my Consumer Disclosure report. I am opting out of any future disclosure or dissemination of my personal information by your agency. This freeze restricts you from providing my information to any third party, including but not limited to credit bureaus, creditors, and future employers, until I explicitly lift this restriction. Under 15 U.S.C. 1681c-1 ( i ), you are legally required to comply. The FCRA mandates that you halt all distribution of my personal data without delay. Failure to comply will lead to legal action under this federal statute. 
XXXX. Request for Removal of Information and Immediate Deletion : I am formally demanding that you delete any and all accounts or records you have on file for me. This includes information that has been disseminated without proper verification or that contains inaccuracies. Your actions have caused me significant harm and have violated the rights granted to me under 15 U.S.C. 1681e ( b ), which imposes an obligation on you to ensure maximum accuracy of the information you report. Your blatant failure to uphold this responsibility exposes you to liability, and I will not hesitate to file a lawsuit if my demands are not met. Additionally, 15 U.S.C. 1681i ( a ) mandates that any disputed information be immediately removed, and any failure to comply will be met with a lawsuit seeking damages for each violation. 
XXXX. Request for My Consumer Disclosure Report : Pursuant to 15 U.S.C. 1681g ( a ), I am legally entitled to obtain a copy of the complete file you have on me. I am demanding that you provide me with this report without delay. The FCRA imposes strict obligations on your agency to supply this information to consumers promptly and without obstruction. You are required by law to comply, and any delays or refusal to provide this report will result in legal action. 
To further illustrate the seriousness of this matter, I would like to direct your attention to Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, which confirms that credit reporting agencies are held strictly liableunder the FCRA for the dissemination of inaccurate information and that individuals have the right to enforce these laws through litigation and seek actual, statutory, and punitive damages. Your continued negligence in this matter will not be tolerated. 
This demand is not negotiable. I expect a written confirmation of the following within XXXX business days : The security freeze on my report. 
The deletion of all information you have on file for me. 
The disclosure of my full consumer report. 
If I do not receive written confirmation, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. Additionally, I will initiate a lawsuit seeking the maximum allowable statutory damages for each violation of my rights under the FCRA, as established in 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
My personal information is clearly shown below : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect your immediate compliance and a resolution within the timeline specified. If you fail to comply, you will face significant legal consequences