Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Consumer Disclosure Under the FCRA Dear XXXX XXXX Pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C . 1681g ), I am requesting a copy of my full consumer credit report. Under the FCRA, you are legally obligated to provide this report upon request from a consumer, free of charge if certain conditions are met.

Please include all information in your files at the time of this request, including but not limited to credit accounts, inquiries, and any public record information. Additionally, I request the names of all parties who have accessed my credit report within the past year for employment purposes and within the past two years for any other purpose. 

Enclosed are copies of my drivers license, Social Security card, and a recent bank statement to verify my identity and address. I expect to receive the requested information within the 15-day period as required by law. Thank you for your attention to this matter. Should you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Consumer Disclosure Under the FCRA Dear XXXX , Pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I am formally requesting a copy of my complete consumer credit report. As stipulated by federal law, you are required to provide this information to consumers upon request. 

This request is for all credit and public record information maintained in my file, as well as a list of all entities that have accessed my credit report in the appropriate time frames. I am enclosing identification documents to confirm my identity and address. 

Please fulfill this request promptly and within the legally mandated timeframe. I appreciate your cooperation and look forward to receiving my report. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Consumer Disclosure Under the FCRA Dear XXXX, This is a formal request for a copy of my consumer credit report under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). As a consumer, I am entitled to access my complete file maintained by your agency.

Please include all relevant details, such as credit account information, inquiries, and public record entries, and provide the names of all entities that have accessed my credit report within the permissible periods. I have attached verification documents to ensure prompt processing of my request. 

Thank you for complying with federal law and for your assistance in providing my report. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Consumer Disclosure Under the FCRA Dear Experian, Under Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), I am requesting a copy of my full consumer credit report. This request includes all information in my file, including credit account details, inquiries, and any public records.

Additionally, please provide a list of entities that have requested my credit report within the legally defined time frames. I have enclosed my identification documents for your verification purposes.

I appreciate your compliance with the FCRA and look forward to receiving my report within the statutory timeframe. Should you require any further information, please feel free to contact me. 

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