Consumer complaint received 2025-01-07 00:00:00
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.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Experian Security Freeze XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Compliance with Federal and State Laws : 15 U.S. Code 1681c1, 15 U.S. Code 6802, and Texas Business and Commerce Code Dear Experian Security Freeze, I am writing to reiterate my formal request to opt-out of information sharing and to place a security freeze on my credit profile. This request is made pursuant to federal and state laws designed to protect consumers, including 15 U.S. Code 1681c1, 15 U.S. Code 6802, and Texas Business and Commerce Code Chapter 20. 
I have already provided all necessary supporting documentation, including proof of identification and residence, as required to process my request. Below, I am outlining specific compliance expectations to ensure adherence to applicable laws : 1. 15 U.S. Code 1681c1 - Identity Theft Prevention ; Fraud Alerts and XXXX XXXX Alerts This statute mandates that consumer reporting agencies take steps to protect individuals against identity theft. In compliance with this law, I request the following : Confirmation that a security freeze has been applied to my credit profile, preventing any unauthorized access or disclosures. 
Confirmation that my opt-out request for information sharing has been honored and will remain in effect permanently. 
2. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information This law outlines financial institutions ' responsibilities regarding the disclosure of personal information. Please confirm : No personal information, including credit profile data, has been shared or disclosed without my explicit consent. 
Notification will be provided immediately in the event of any data breach or unauthorized access to my information. 
3. Texas Business and Commerce Code Chapter 20 - Security Freezes and Opt-Out Provisions As outlined in Texas law , consumers have the right to : Restrict the release of their credit reports through security freezes, which must be applied promptly upon request. 
Opt-out of having personal information shared with third parties. Agencies are required to honor these requests to prevent unauthorized dissemination of data. 
Violations of these provisions are subject to enforcement by the Texas Attorney Generals Office, with penalties including civil fines of up to {$7500.00} per violation under the Texas Data Privacy and Security Act. 
Acknowledgment and Compliance Requirements To ensure full compliance with federal and state laws, I request written acknowledgment from your organization confirming : 1. That my security freeze and opt-out request have been processed successfully. 
2. That your organization is in full compliance with 15 U.S. Code 1681c1, 15 U.S. Code 6802, and Texas Business and Commerce Code Chapter 20. 
3. Details of any additional actions your organization has taken or will take to safeguard my personal information. 
Response Deadline Please provide this acknowledgment in writing within 15 days of receipt of this letter. Failure to comply with this request may result in escalation to regulatory bodies, including : The Federal Trade Commission ( FTC ) The Texas Attorney Generals Office Notice of Potential Non-Compliance Failure to process my request or honor my rights under the aforementioned laws constitutes a violation that may lead to enforcement actions, including penalties, fines, and potential legal proceedings. 
Thank you for your immediate attention to this matter. Should you require further information or clarification, please contact me directly at the phone number or email address provided above. 
Sincerely, XXXX 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