Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
larification Regarding Membership Termination Dear EQUIFAX We are writing to formally demand a clear and immediate xplanation regarding Equifaxs decision to terminate our membership. Despite following all required steps, Equifax has provided ague reasoning without justification, which is both unprofessional and unfair. XXXX XXXX XXXX successfully completed he membership process, including : Signing the necessary agreements. Passing the Physical Site Inspection. 
Paying the equired fees. Purchasing XXXX XXXX software to ensure compliance. Submitting our first data file on XX/XX/year>. After weeks f silence, we reached out for an update. On XX/XX/year>, we received a vague email stating that an audit determined we " do ot meet Equifaxs standards, '' but no specifics were provided. This lack of transparency raises serious concerns about the ecision-making process and potential misinterpretation of our data submission. We demand an immediate response addressing he following : XXXX. A detailed and specific explanation of the standards we allegedly did not meet. XXXX. A copy of the audit findings that XXXX to this decision. XXXX. A clear path to resolutionincluding the opportunity to correct any issues. Failing to provide a legitimate ustification for this decision could be seen as an unfair business practice. If we do not receive a clear response within XXXX ( XXXX ) usiness days, we will explore all available options, including : Filing a formal complaint with the Consumer Financial Protection ureau ( CFPB ) and other regulatory bodies. Seeking legal counsel to determine whether this decision violates any contractual greements or industry regulations. XX/XX/year> To : EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Appeal nd Request for Clarification Regarding Membership Termination Dear EXPERIAN I am writing on behalf of XXXX XXXX XXXX to formally appeal the recent decision to terminate our membership with EXPERIAN and to request further clarification egarding the reasons behind this decision. Our company followed the necessary procedures to become a data furnisher, including ompleting the Membership Application, signing the Data Reporting Agreement, passing the Physical Site Inspection, and paying he required membership fees. We also invested in XXXX XXXX software to ensure compliance with industry standards and submitted ur first data file on XX/XX/year>. Following our submission, we reached out multiple times to check on the status of our ustomer data file. On XX/XX/year>, we received an email from XXXX. XXXX informed us that a business decision ad been made to terminate our membership, again without detailed reasoning. We find this decision concerning and potentially isinterpreted, as we have adhered to all requirements and procedures outlined by both bureaus. 
Additionally, the lack of ransparency regarding the specific issues identified prevents us from addressing or rectifying any concerns. We respectfully equest the following : 1. A detailed explanation of the specific reasons for the termination of our membership. 2. Any documentation r audit findings that led to this decision. XXXX. An opportunity to appeal or rectify any compliance issues, should any exist. Our ntention is to maintain a professional and compliant

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