Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX **Sent via Certified Mail : **RE : REQUEST TO PLACE SECURITY FREEZE AND OPT OUT OF INFORMATION SHARING WITH METRO 2 COMPLIANCE DEMAND** To Whom It May Concern : This letter serves as my formal request to : 1. Place a security freeze on my consumer file 2. Opt out of all prescreen/promotional offers and information sharing 3. Demand Metro 2 Format compliance for all data maintained in my file XXXX XXXX SECURITY FREEZE REQUEST Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby request that XXXX place a security freeze on my consumer file. I understand that this freeze will prohibit XXXX from releasing any information in my consumer file without my express authorization. 

XXXX XXXX OPT-OUT REQUEST I am exercising my right under the FCRA to permanently opt out of : - All prescreen offers of credit and insurance - All information sharing with affiliates and non-affiliated third parties- All marketing lists and promotional communications Please remove my name and information from all such lists permanently, not just for the standard 5-year period. 

XXXX XXXX METRO 2 COMPLIANCE DEMAND I hereby demand that XXXX verify and certify that all information maintained in my consumer file strictly complies with Metro 2 Format standards as required by the FCRA, FCBA, and ECOA. Specifically, I demand verification that : 1. All data in my file is factually documented and physically verified as being fully true, correct, and complete as reported 2. All information is timely in reporting and meets all Metro 2 Format technical requirements 3. All data furnishers reporting information about me have followed proper Metro 2 Format standards 4. All dispute procedures comply with e-OSCAR requirements for Metro 2 Format 5. No information is being maintained or reported that does not meet mandatory Metro 2 compliance standards Should any information in my file fail to meet these Metro 2 compliance standards, I demand that such information be permanently removed from my file, as it does not meet the standards required by law. 

XXXX XXXX PERSONAL IDENTIFICATION INFORMATION To facilitate this request, I am providing the following information : Full Name : XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Previous Address ( if applicable ) : [ Previous Address ] Phone Number : XXXX Email Address : XXXXXXXX XXXX XXXX ENCLOSED DOCUMENTATION I have enclosed the following documentation to verify my identity : 1. Copy of my driver 's license or state-issued ID 2. Copy of my Social Security card or other proof of SSN XXXX XXXX LEGAL NOTICE Please be advised that under the FCRA : - You must place the freeze within 3 business days of receiving this request- You must send written confirmation within 5 business days - You are required to provide me with a unique PIN or password to temporarily lift or remove the freeze- You must comply with Metro 2 Format standards for all information in my file - Failure to comply with this request may result in legal action I expect a written confirmation that all requested actions have been taken within 5 business days of your receipt of this letter. If any portion of my request can not be fulfilled, please provide a detailed, written explanation of the specific reasons why. 

Thank you for your prompt attention to this matter. 

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