Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
CFPB ComplaiXXXX XXXX XX/XX/XXXX 
Continued FCRA Violations Following Inadequate Response to Complaint # XXXX Company XX/XX/XXXXXXXX by Experian XXXX XXXX XXXX XXXX : Credit Reporting Issue : Security freeze refusal and excessive documentation requirements Sub-issue : Improper use of personal information Previous Complaint : # XXXX ( Closed with inadequate company response ) COMPLAINT NARRATIVE This is a follow-up complaint regarding XX/XX/XXXX' continued violations of the Fair Credit Reporting Act following their inadequate response to CFPB Complaint # XXXX. 
Background - Original Issue On XX/XX/XXXX, I filed CFPB Complaint # XXXX requesting that XX/XX/XXXX process my account security freeze. I provided a copy of my driver 's license and a recent utility bill as identification, which meets federal FCRA requirements for " reasonable identification. ''XX/XX/XXXX ' Inadequate Response Rather than processing my legally mandated freeze request,XX/XX/XXXX responded by : Demanding excessive documentation - Requiring a Social Security card despite federal law only requiring " reasonable identification '' Questioning complaint legitimacy - Claiming my CFPB complaint " does not appear to have been sent directly by you '' without any basis. 
Providing boilerplate language - Sending generic legal text instead of addressing my specific freeze request Escalating the violation - Adding more barriers instead of complying with federal law Current Status - Ongoing Violations XX/XX/XXXX continues to violate federal law by : Refusing to process my security freeze despite adequate identification provided Imposing documentation requirements beyond FCRA standards Blocking my federally guaranteed consumer rights under 15 U.S.C. 1681c-1 Pattern of Corporate Misconduct This case demonstrates the systematic FCRA violations currently being prosecuted by the CFPB in CFPB XXXX Experian Information Solutions ( Case XXXX, filed XX/XX/XXXX ). That lawsuit alleges Experian and its subsidiaries engage in " faulty intake procedures '' and " sham investigations '' that violate consumer rights. 
Specific Legal Violations 1. FCRA Section 605A Violation ( 15 U.S.C. 1681c-1 ) Denying federally guaranteed security freeze rights Imposing excessive identification requirements beyond " reasonable identification '' 2. Consumer Financial Protection Act Violation ( 12 U.S.C. 5531 ) Unfair practices causing substantial injuryto consumers can not reasonably be avoided No countervailing benefits to excessive documentation requirements XXXX. Inadequate Complaint Response Failing to address consumer concerns as required by the CFPB complaint process substantively Escalating violations instead of resolving them Connection to Current CFPB Enforcement XX/XX/XXXXXX/XX/XXXXis wholly owned by Experian, which the CFPB sued on XX/XX/XXXX, for conducting " sham investigations '' and failing to follow proper FCRA procedures. CFPB XXXX XXXX XXXX stated : " When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. '' This Complaint demonstrates the same pattern of misconduct at Experian 's subsidiary. 
XXXX XXXX XX/XX/XXXXXX/XX/XXXX' violations cause : Identity theft vulnerability - Can not secure account freeze protection Regulatory circumvention - Company avoiding federal compliance requirements Time and resource waste - Forced to pursue multiple complaints for fundamental legal rights Credit score risk - Unprotected account remains vulnerable to unauthorized access Relief Requested Order immediate security freeze processing using the identification already provided XXXX XX/XX/XXXXXX/XX/XXXX' systematic FCRA violations Include this case in ongoing Experian enforcement action ( Case XXXX ) Fine XX/XX/XXXXXX/XX/XXXXfor continued XXXX XXXX violations Issue industry guidance clarifying reasonable identification standards Audit XX/XX/XXXXXX/XX/XXXX' XXXX for FCRA XXXX Supporting Documentation XXXX freeze request letter with driver 's license and utility bill copiesXX/XX/XXXX ' inadequate XXXX XXXX CFPB Complaint # XXXX documentation Evidence of Experian 's ownership of XX/XX/XXXXXX/XX/XXXXPrevious Complaint History CFPB Complaint # XXXX - Filed XX/XX/XXXX, closed with inadequate company response The company failed to resolve ; instead, it escalated violations rather than complying with federal regulations.l law

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