Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
# METRO 2 COMPLIANCE ( CRRG ) SECURITY FREEZE REQUEST XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX : XX/XX/XXXX * * Date : * * XX/XX/XXXX * * XXXX, XXXX ( An Equifax Company ) * * P.O. XXXX XXXX XXXX, GA XXXX * * SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED * * * * RE : Reference Ticket # : XXXX - SECURITY FREEZE REQUEST AND CONSUMER REPORT REQUEST * * To Whom It May Concern : I am writing to follow up on my Permanent Opt-Out Election Form dated XX/XX/XXXX, which I signed and completed on XX/XX/XXXX ( Ticket # : XXXX ). While I have already submitted the opt-out form to remove myself from marketing lists, I am now requesting additional protections through a complete security freeze on any consumer files maintained about me pursuant to the Consumer Credit Reporting Reform Act, the Fair Credit Reporting Act ( FCRA ), and the Metro 2 Format compliance requirements established by the Consumer Data Industry Association ( CDIA ). 

# # FORMAL REQUEST XXXX. * * ACKNOWLEDGMENT OF OPT-OUT FORM : * * I have already submitted the Permanent Opt-Out Election Form ( CLT-CRA-LTR-Perm Opt Out Election Form-02262021-V1 ) XXXX remove myself from pre-approved/pre-screened offers of credit or insurance. 

2. * * SECURITY FREEZE REQUEST : * * I hereby request that XXXX  XXXX place a comprehensive security freeze on any consumer file maintained about me. This freeze should prohibit the release of ANY information in my consumer file without my express written authorization. 

3. * * METRO 2 COMPLIANCE NOTICE : * * This request falls under the Metro 2 Format guidelines established by the Consumer Data Industry Association ( CRRG ) for consumer data reporting. Please ensure that my records are flagged with the appropriate Consumer Information Indicator ( CII ) code to reflect both my opt-out status AND security freeze status. 

4. * * CONSUMER REPORT REQUEST : * * Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am entitled to receive a free copy of my complete consumer report. I hereby request that you send me a complete copy of my current TeleTrack consumer report via postal mail to my address listed above. This request includes all information in your files about me, including but not limited to : credit history, inquiry records, rental history, check writing history, insurance claims, and any other information maintained in my consumer file. 

# # PERSONAL IDENTIFICATION INFORMATION To assist you in locating and securing all records associated with me, I am providing the following identification information : - * * Full Legal Name : * * XXXX XXXX - * * Current Address : * * XXXX XXXX XXXX, XXXX, LA XXXX - * * Email Address : * * XXXX - * * Date of Birth : * * XX/XX/XXXX - * * Social Security Number : * * [ REDACTED - Same as provided on opt-out form ] # # VERIFICATION AND CONFIRMATION I request written confirmation within XXXX business days that : 1. My previously submitted opt-out form has been processed 2. The additional security freeze has been implemented 3. All appropriate Metro 2 compliance flags have been applied to my file 4. My personal information will no longer be shared with any third parties for ANY purpose 5. My complete consumer report has been mailed to my address above # # LEGAL REQUIREMENTS Under FCRA Section 605A, you are required to place a security freeze on my file within one business day after receiving this request. Additionally, as a specialty consumer reporting agency, you must comply with both my opt-out request and my security freeze request as provided under the FCRA and applicable state consumer protection laws.

Please be advised that failure to comply with this request may result in further legal action as allowed under the FCRA and other applicable consumer protection statutes. 

I appreciate your prompt attention to this matter. If you require any additional information to process this request, please contact me in writing at the address provided above. 

Sincerely, XXXX XXXX Date : XXXX XXXX XXXX -- - * * IMPORTANT NOTICE : This communication contains sensitive personal information protected under various federal and state privacy laws. Unauthorized access, use, or disclosure is strictly prohibited. * *

Company response to consumer: Closed with explanation