Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX * * Date : * * XX/XX/XXXX * * ATTN : LEGAL DEPARTMENT - URGENT COMPLIANCE MATTER * * * * Consumer Reporting Agencies : * * XXXX XXXX XXXX XXXX Experian Information Solutions , Inc .

TransUnion LLC * * RE : FORMAL DEMAND FOR CONSUMER DISCLOSURE AND IMPLEMENTATION OF PROTECTIVE MEASURES * * NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To the Custodian of Records : This correspondence serves as my formal written request pursuant to the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., specifically 1681g, 1681h, and 1681i, and is being sent following unsuccessful attempts to access my federally mandated free annual consumer disclosure via www.annualcreditreport.com.

# # CONSUMER IDENTIFICATION INFORMATION - * * Full Legal Name : * * XXXX XXXX - * * Current Residential Address : * * XXXX XXXX XXXX, XXXX, LA XXXX - * * Social Security Number : * * XXXX ( Last 4 digits provided for identification purposes ) - * * Date of Birth : * * XX/XX/XXXX - * * Email Address : * * XXXX # # NOTICE OF DEMAND : METRO 2 COMPLIANCE AND CONSUMER REPORT 1. * * CONSUMER DISCLOSURE REQUEST : * * Pursuant to FCRA 1681g, I hereby demand a complete, unredacted copy of my full consumer file disclosure containing ALL information you maintain about me, including but not limited to : - Complete consumer report with all tradelines, public records, and collection accounts- All narrative remarks and comment codes with full text explanations- All inquiry records ( both hard and soft ) for the previous 24 months - All employment data - All address/residence history - All information related to my consumer file that would be provided to any third party - Names of all persons who have received my consumer report within the preceding 12 months ( 1681g ( a ) ( 3 ) ) - Names of all persons who have received my consumer report for employment purposes within the preceding 24 months ( 1681g ( a ) ( 3 ) ( B ) ) 2. * * METRO 2 FORMAT COMPLIANCE VERIFICATION : * * I demand verification that ALL data furnishers reporting information to my consumer file are in strict compliance with the Credit Reporting Resource Guide ( CRRG ) Metro 2 Format as required by the FCRA. This includes : - Verification that all furnishers are using current CRRG specifications- Verification that all Account Status Codes, Consumer Information Indicators, Payment History, and Compliance Condition Codes are accurately reported - Validation that Payment Rating, Account Type, and Terms Duration codes conform to Metro 2 standards - Confirmation that Special Comment Codes are properly utilized - Verification that all date fields ( Date of First Delinquency, Date Opened, Date of Last Payment ) are accurate and properly formatted 3. * * SECURITY FREEZE IMPLEMENTATION : * * Pursuant to FCRA 1681c-1 and applicable state law, I hereby exercise my right to place a security freeze on my consumer file. This freeze shall remain in effect until expressly lifted by me through proper written authentication. You are directed to : - Implement this freeze within one business day of receiving this request - Provide written confirmation of freeze implementation - Provide a unique PIN/password to be used for temporary or permanent removal of the freeze - Ensure that no unauthorized access to my consumer report occurs while this freeze is in effect 4. * * OPT-OUT DIRECTIVE : * * Pursuant to FCRA 1681b ( e ), I elect to permanently opt out of all prescreened offers of credit or insurance. Additionally : - Remove my name from all marketing lists you provide to third parties - Ensure this opt-out is implemented within 5 business days - Provide written confirmation that this opt-out has been processed - Note that this opt-out shall remain in effect permanently pursuant to 1681b ( e ) ( 4 ) ( B ) # # STATUTORY COMPLIANCE NOTICE Be advised that under FCRA 1681j, you must provide the requested disclosure free of charge as : 1. I have not received a free disclosure from your agency within the preceding 12 months 2. I have reason to believe my file contains inaccurate information due to potential fraud 3. I have been unable to access my report through the centralized source Furthermore, pursuant to FCRA 1681h ( a ) ( 1 ), you must : - Verify my identity using reasonable requirements- Provide properly trained personnel to explain the information - Provide my disclosure in writing - Provide a summary of my rights under the FCRA # # TIMING OF COMPLIANCE You are required by law to fulfill this request within 15 days of receipt. Any delay beyond this timeframe will be interpreted as a willful non-compliance with federal law.

# # NOTICE OF POTENTIAL LEGAL ACTION Please be advised that failure to comply with this request in its entirety may constitute : 1. Willful non-compliance under FCRA 1681n, which provides for statutory damages of {$100.00} to {$1000.00} per violation, actual damages, punitive damages, and attorney 's fees and costs 2. Negligent non-compliance under FCRA 1681o, which provides for actual damages and attorney 's fees and costs 3. Grounds for regulatory action by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) I reserve all rights under federal and state law, including the right to pursue legal action without further notice should you fail to comply with this lawful request.

# # RESPONSE INSTRUCTIONS Send the requested information via CERTIFIED MAIL to my address listed above. Electronic delivery is NOT acceptable for this request.

I expect your immediate attention to this matter. 

Without prejudice, XXXX XXXX Sovereign Consumer # # DOCUMENTATION REQUIREMENTS Send the original letter via CERTIFIED MAIL, RETURN RECEIPT REQUESTED to each agency : * * XXXX  XXXX XXXX XXXX * * XXXX XXXX  XXXX XXXX, GA XXXX * * Experian * * XXXX XXXXXXXX XXXX XXXX, TX XXXX * * TransUnion LLC * * Consumer Disclosure Center XXXX XXXXXXXX XXXX XXXX, PA XXXX MAINTAIN PROOF OF DELIVERY AND COPIES OF ALL CORRESPONDENCE

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