{"took":432,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":227,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2667217","_score":20.3507,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax and XXXX websites make getting a security freeze or credit freeze impossible. Same with their versions of free-annual-credit-reports. \n\nXXXX works well and I succeeded in getting security freezes for myself and my wife. \n\nThese data aggregators also mangle our data ( running names together into a single name ) making some information questionable. \n\nAs for XXXX - its good as far as it goes, but since two of the three leading credit reporting entities prevent consumers from completing their credit report requests, this lessens their value to consumers. \n\nWhat is needed is a single website that lets consumers get free annual credit reports, and lets them manage security / credit freezes as needed by the consumer. \n\nWe also need a single website where consumers can easily opt-in or opt-out of unwanted data sharing, marketing schemes/scams, and advertising.","date_sent_to_company":"2017-09-14T13:04:26.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"95336","tags":null,"has_narrative":true,"complaint_id":"2667217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T20:30:19.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Equifax and XXXX websites make getting a <em>security</em> <em>freeze</em> or credit <em>freeze</em> impossible. Same with their versions of free-annual-credit-<em>reports</em>. \n\nXXXX works well and I succeeded in getting <em>security</em> <em>freezes</em> for myself and my wife. \n\nThese data aggregators also mangle our data ( running names together into a single name ) <em>making</em> some information questionable."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.3507,"2667217"]},{"_index":"complaint-public-v1","_id":"3140626","_score":20.090555,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"LexisNexis has been notified of mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX COMPLAINT Violation : The three credit bureaus within the past 30 days has stated LexisNexis has provided my information that is under a security freeze in violation of Florida 501.005. \n\nThe 2018 Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter 501 CONSUMER PROTECTION View Entire Chapter 501.005Consumer report security freeze. \n( 1 ) For purposes of this section, a security freeze means a notice placed in a consumer report that prohibits a consumer reporting agency, as defined in 15 U.S.C. s. 1681a ( f ), from releasing the consumer report, credit score, or any information contained within the consumer report to a third party without the express authorization of the consumer. This section does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report. For purposes of this part, the term consumer report has the same meaning set forth in 15 U.S.C. s. 1681a ( d ). \n( 2 ) A consumer may place a security freeze on his or her consumer report by : ( a ) Making a request in writing by certified mail to a consumer reporting agency. \n( b ) Including information that properly identifies the consumer. \n( 3 ) A consumer reporting agency shall place a security freeze on a consumer report no later than 5 business days after receiving a request from the consumer. \n( 4 ) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 10 business days after instituting the security freeze and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the removal of a security freeze on his or her consumer report pursuant to subsection ( 5 ) or subsection ( 11 ).","date_sent_to_company":"2019-03-07T21:59:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"3140626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2019-02-02T11:09:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This section does not prevent a <em>consumer</em> <em>reporting</em> agency from advising a third party that a <em>security</em> <em>freeze</em> is in effect with respect to the <em>consumer</em> <em>report</em>. For purposes of this part, the term <em>consumer</em> <em>report</em> has the same meaning set forth in 15 U.S.C. s. 1681a ( d ). \n( 2 ) A <em>consumer</em> may place a <em>security</em> <em>freeze</em> on his or her <em>consumer</em> <em>report</em> by : ( a ) <em>Making</em> a request in writing by certified mail to a <em>consumer</em> <em>reporting</em> agency."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[20.090555,"3140626"]},{"_index":"complaint-public-v1","_id":"3485561","_score":19.468918,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On or around XX/XX/2019. I received an alert from my credit monitoring that a new inquiry for a personal loan had been added to my report. I immediately disputed the fraudulent inquiry, the inquiry was made through Clarity Services INC. they are a low budget credit reporting agency operating out of XXXX, Florida. several people have tried fraudulently to open personal loans in my name using Clarity Services INC . The inquiry was removed through XXXX  the major credit reporting agency. I then attempted to place a freeze on my credit report with Clarity Services, INC. I followed the Clarity Services INC procedure to initiate a freeze by completing their SECURITY FREEZE REQUEST FORM and mailing it to Clarity Services , Inc. XXXX. XXXX XXXX XXXX, FL XXXX. They send me a letter stating that they need my full name, DOB and Social Security, all of which were provided to them on the credit freeze form they require you to use. I believe that Clarity Services is misusing consumer information and then making it impossible for someone to stop them by refusing or making difficult for consumers to place a permanent freeze on their own reports. I have also tried to resolve the issues with clarity services about the fraudulent inquiry but the telephone customer service representative refused to provide me with information, again showing how difficult it is to remediate fraudulent information with their company,","date_sent_to_company":"2020-01-04T14:32:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78633","tags":"Servicemember","has_narrative":true,"complaint_id":"3485561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Clarity Services","date_received":"2020-01-04T13:58:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I believe that Clarity Services is misusing <em>consumer</em> information and then <em>making</em> it impossible for someone to stop them by refusing or <em>making</em> difficult for <em>consumers</em> to place a permanent <em>freeze</em> on their own <em>reports</em>. I have also tried to resolve the issues with clarity services about the fraudulent inquiry but the telephone customer service representative refused to provide me with information, again showing how difficult it is to remediate fraudulent information with their company,"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[19.468918,"3485561"]},{"_index":"complaint-public-v1","_id":"11775349","_score":19.07217,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I attempted to request a freeze on my consumer report with Teletrack under the Fair Credit Reporting Act ( FCRA ). However, I encountered significant issues during the process : Teletrack did not allow me to upload my required verification documents online, making it difficult to complete my request efficiently. This limitation has delayed my ability to secure my consumer report and prevent unauthorized access. I provided all necessary documentation, including proof of identity and address, as required for a security freeze. Despite my efforts, I have not been able to successfully freeze my consumer report due to the lack of accessible methods to submit my request.","date_sent_to_company":"2025-01-27T01:29:58.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"11775349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-27T01:16:11.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I provided all necessary documentation, including proof of identity and address, as required for a <em>security</em> <em>freeze</em>. Despite my efforts, I have not been able to successfully <em>freeze</em> my <em>consumer</em> <em>report</em> due to the lack of accessible methods to submit my request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> <em>report</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.07217,"11775349"]},{"_index":"complaint-public-v1","_id":"4892192","_score":19.01773,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen early 2021. Someone used my SSN to file taxes with the IRS and started opening credit accounts. I began the process of making accounts with the three credit bureaus to initiate a security freeze. This process worked flawlessly with XXXX and XXXX. With Experian however, I found someone had already used my SSN to create a paid membership ( using a fraudulent credit card in my name ) with Experian and also registered a false address with them. I proved my identity and gained control of the membership, changed passwords, PIN and security questions, and established a security freeze. Several months later, as I was still dealing with fraud accounts due to my identity being stolen, I checked to see if the security freeze was still in place. It wasn't. I also noticed the fraudulent address was back on my credit report. Phone calls to Experian revealed someone other than myself had somehow logged in, changed the email address on file for me, and removed the security freeze. I again gained control of the account, changed password, PIN and security questions. Experian refuses to assure me that they will take steps to strengthen their security, so I'm stuck as an innocent consumer having to check my Experian account and security freeze daily to make sure they haven't allowed another individual to gain access.","date_sent_to_company":"2021-11-09T19:32:56.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"80521","tags":null,"has_narrative":true,"complaint_id":"4892192","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-09T19:13:02.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Experian refuses to assure me that they will take steps to strengthen their <em>security</em>, so I'm stuck as an innocent <em>consumer</em> having to check my Experian account and <em>security</em> <em>freeze</em> daily to make sure they haven't allowed another individual to gain access."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.01773,"4892192"]},{"_index":"complaint-public-v1","_id":"3670198","_score":18.972517,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax was contacted by consumer by means of formal letter for request of annual free credit report on XX/XX/2020 which resulted in denial service. \nConsumer is blocked from making an online account with Equifax currently. As well as, Equifax claims information given does not match the file presently. Consumer holds guarenteed lock to credit report with security freeze ; Equifax denied all participation accept disputes for consumer credit at this time. Consumer has rights to review and inspect credit holdings at any time which has been denied. Please help resolve as identity has been breached as security freeze dishonored by response of personal information does not match consequently. Soil born obligation to investigate any discrepency with personal identity with financial institutions. Gracious!","date_sent_to_company":"2020-06-02T12:10:18.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"93307","tags":null,"has_narrative":true,"complaint_id":"3670198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-27T16:30:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Equifax was contacted by <em>consumer</em> by means of formal letter for request of annual free credit <em>report</em> on XX/XX/2020 which resulted in denial service. \n<em>Consumer</em> is blocked from <em>making</em> an online account with Equifax currently. As well as, Equifax claims information given does not match the file presently. <em>Consumer</em> holds guarenteed lock to credit <em>report</em> with <em>security</em> <em>freeze</em> ; Equifax denied all participation accept disputes for <em>consumer</em> credit at this time."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Unable to get your credit <em>report</em> or credit score"],"sub_issue":["Problem getting your free annual credit <em>report</em>"]},"sort":[18.972517,"3670198"]},{"_index":"complaint-public-v1","_id":"3074659","_score":18.96581,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2018, I lifted a security freeze on my credit reports with Experian to allow a lender to check my credit. I used their website to lift the freeze. On XX/XX/2018, I attempted to put the security freeze back in place since my lender had received the necessary information. When I tried to use their website, I was prevented from putting the freeze in place and was referred to a phone number at Experian. The website states that freezes can be placed by phone, but provides nothing more than recorded instructions to submit a freeze request by mail, a process that I have attempted to use in the past with no success. There is also no way to talk to a customer service representative that I have been able to find. \n\nAll of the other credit agencies allow placing freezes on their websites, and make it simple to place a freeze on MY CREDIT INFORMATION. Experian has made it purposely difficult to place freezes on credit information, and this is NOT the first time I have had this problem. This is unacceptable. I believe the Experian is actually trying to prevent consumers from protecting their personal financial information by making it as difficult and time consuming as possible.","date_sent_to_company":"2018-11-15T05:59:41.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"197XX","tags":null,"has_narrative":true,"complaint_id":"3074659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-11-15T00:38:37.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/2018, I lifted a <em>security</em> <em>freeze</em> on my credit <em>reports</em> with Experian to allow a lender to check my credit. I used their website to lift the <em>freeze</em>. On XX/XX/2018, I attempted to put the <em>security</em> <em>freeze</em> back in place since my lender had received the necessary information. When I tried to use their website, I was prevented from putting the <em>freeze</em> in place and was referred to a phone number at Experian."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.96581,"3074659"]},{"_index":"complaint-public-v1","_id":"4061189","_score":18.921743,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 I was able to access XX/XX/XXXX, and XX/XX/XXXXcredit companies for my credit report. But Transunion said I did not answer the proper security questions and denied me my report. This is not the first time Transunion has denied me access to my credit information. Also when I log in to there website I gain access and it states I do not have a active credit freeze, but my report does. I call to talk to an agent and they confirm I have a credit freeze, then they try to sell me there protection services. I firmly believe Transunion is intentionally making it harder for consumers to access their credit report intentionally so you have to call in and they can pitch their sales products. The issue I mentioned with the credit freeze has been going on for more than an year, and still exist. If there is a true issue with security questions a consumer should be able to talk to a person and have the right to have security questions checked so there is no further delay to access to ones credit report.","date_sent_to_company":"2021-01-11T19:56:30.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"798XX","tags":null,"has_narrative":true,"complaint_id":"4061189","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-01-11T19:35:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["If there is a true issue with <em>security</em> questions a <em>consumer</em> should be able to talk to a person and have the right to have <em>security</em> questions checked so there is no further delay to access to ones credit <em>report</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Unable to get your credit <em>report</em> or credit score"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Problem getting your free annual credit <em>report</em>"]},"sort":[18.921743,"4061189"]},{"_index":"complaint-public-v1","_id":"2267125","_score":18.921505,"_source":{"product":"Credit reporting","complaint_what_happened":"Equifax blocks consumers who have frozen their credit files from being able to use the online XXXX site to get their free annual credit report. This violates the spirit, if not the letter, of the law. \nI spoke to Equifax about this. They assert that \" for my security '' ( because I have a freeze ) they will not answer a credit report request online. This makes no sense. I have a freeze PIN which I can use at Equifax 's website to unfreeze my credit file ; that clearly is a much more security-sensitive operation than viewing my own credit file. Thus, the conclusion we must draw is that Equifax is deliberately making it harder for consumers to exercise their right to see their own credit report, in order to dissuade consumers from protecting themselves by setting up the freeze. Equifax must be penalized, and forced to change their procedures, so that consumers who have frozen their credit files can use the XXXX site ( or a direct Equifax web page ), along with their freeze PIN, to get their free annual credit report, in accordance with the law.","date_sent_to_company":"2016-12-28T17:30:57.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"42103","tags":null,"has_narrative":true,"complaint_id":"2267125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-12-28T17:30:56.000Z","state":"KY","company_public_response":null,"sub_issue":"Problem getting my free annual report"},"highlight":{"complaint_what_happened":["I have a <em>freeze</em> PIN which I can use at Equifax 's website to unfreeze my credit file ; that clearly is a much more <em>security</em>-sensitive operation than viewing my own credit file. Thus, the conclusion we must draw is that Equifax is deliberately <em>making</em> it harder for <em>consumers</em> to exercise their right to see their own credit <em>report</em>, in order to dissuade <em>consumers</em> from protecting themselves by setting up the <em>freeze</em>."],"issue":["Unable to get credit <em>report</em>/credit score"],"sub_issue":["Problem getting my free annual <em>report</em>"]},"sort":[18.921505,"2267125"]},{"_index":"complaint-public-v1","_id":"3342095","_score":18.875813,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a security freeze in place with Experian. I originally put this freeze by submitting an online request on Experian 's website and was provided a PIN number to lift the freeze as needed. I recently tried lifting the freeze by submitting an online request. Even though I supplied all the information requested, I have not been able to lift the freeze on my report. The website instructs me to mail several documents to Experian. Similarly I tried to use the phone number provided by Experian and even after entering all the required information and PIN, I was instructed to mail them a hard copy of several sensitive documents. I tried both the online method and phone method several times unsuccessfully. \n\nThe requirement to mail several sensitive documents such as copies of IDs, social security cards and utility bills is against the nature of privacy protection and introduces additional risk in case mailed documents are lost or fall into wrong hands. Experian is not making an effort to make the process easier for consumers to put/lift freezes on their credit reports and this is not acceptable.","date_sent_to_company":"2019-08-08T05:49:23.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"10001","tags":null,"has_narrative":true,"complaint_id":"3342095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-08-08T01:32:21.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The requirement to mail several sensitive documents such as copies of IDs, social <em>security</em> cards and utility bills is against the nature of privacy protection and introduces additional risk in case mailed documents are lost or fall into wrong hands. Experian is not <em>making</em> an effort to make the process easier for <em>consumers</em> to put/lift <em>freezes</em> on their credit <em>reports</em> and this is not acceptable."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.875813,"3342095"]},{"_index":"complaint-public-v1","_id":"2687905","_score":18.719406,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft. I provided all necessary documents to Experian in XXXX XXXX to place an extended fraud alert on my file. They did accept my documentation, and placed the extended fraud alert on my file on XXXX/XXXX/XXXX. \n\nOn XXXX/XXXX/XXXX, I called Experian to request a security freeze be placed on my file. The agent said it would cost XXXXXXXX}. I explained that my file with them already has an Extended Fraud Alert and in the state of Wisconsin, I am therefore entitled to place a security freeze at no charge. The agent told me I had to submit a police report. I told him they already have the police report from placing the Extended Fraud Alert. He put me on hold, came back and told me the police I submitted for Extended Fraud Alert wo n't work for the security freeze. What???? \n\nHe would, however, be happy to put the security freeze on if I paid the XXXXXXXX}. It seems to me what they are after is the {XXXX}, not so much a police report. \n\nThis certainly does not seem fair or logical to me. They are making it difficult for me as a consumer,","date_sent_to_company":"2017-09-28T23:57:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"2687905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-28T23:25:09.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["He put me on hold, came back and told me the police I submitted for Extended Fraud Alert wo n't work for the <em>security</em> <em>freeze</em>. What???? \n\nHe would, however, be happy to put the <em>security</em> <em>freeze</em> on if I paid the XXXXXXXX}. It seems to me what they are after is the {XXXX}, not so much a police <em>report</em>. \n\nThis certainly does not seem fair or logical to me. They are <em>making</em> it difficult for me as a <em>consumer</em>,"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.719406,"2687905"]},{"_index":"complaint-public-v1","_id":"3473063","_score":18.171484,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I tried to place a security freeze online as a precaution, as I don't plan on opening any new accounts for a while. I had zero problems placing this freeze with the other two big credit reporting agencies. It took seconds on their end. However, Experian is making me jump through unnecessary hoops. They want me to mail in proof of my identity through the mail ( copies of drivers license, a utility bill, SSN, etc. ). I find this to be  extremely anti-consumer especially because I have an account with them! Why can't I just log in to my account and place the freeze like I can with XXXX  and XXXX?","date_sent_to_company":"2019-12-19T20:49:13.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"55414","tags":null,"has_narrative":true,"complaint_id":"3473063","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-12-19T20:37:50.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I tried to place a <em>security</em> <em>freeze</em> online as a precaution, as I don't plan on opening any new accounts for a while. I had zero problems placing this <em>freeze</em> with the other two big credit <em>reporting</em> agencies. It took seconds on their end. However, Experian is <em>making</em> me jump through unnecessary hoops. They want me to mail in proof of my identity through the mail ( copies of drivers license, a utility bill, SSN, etc. )."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.171484,"3473063"]},{"_index":"complaint-public-v1","_id":"17227916","_score":18.163004,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax has continued to report a bankruptcy record ( Case No. XXXX ) using a verification source that is impossible, unlawful, and explicitly contradicted by the evidence. Equifaxs reinvestigation letter states that it obtained and verified the record through XXXX, even though my XXXX consumer file is under an active Security Freeze, documented in writing and legally prohibiting any release of information to third parties. It is impossible for XXXX to have transmitted any data to Equifax under a freeze, making Equifaxs verification false, fabricated, or the result of unlawful access. This violates FCRA 1681e ( b ), 1681i ( a ), and 1681b ( a ) ( 2 ).\n\nFurthermore, the U.S. Bankruptcy Court has issued a written statement confirming that they never furnish bankruptcy information to XXXX, Equifax, or any consumer reporting agency for credit-reporting purposes. This means Equifax relied on a non-furnisher, a frozen file, or an unauthorized data source. The combination of ( 1 ) a Security Freeze violation, ( 2 ) false verification, and ( 3 ) reliance on a non-furnisher source constitutes a serious breach of federal consumer-protection law, data security obligations, and reinvestigation requirements under the FCRA.\n\nI am attaching my formal NOTICE OF DATA BREACH, UNLAWFUL ACCESS, AND FALSE VERIFICATION, along with the XXXX Security Freeze confirmation, the Bankruptcy Court letter, and Equifaxs reinvestigation response. These documents demonstrate that Equifaxs claimed verification source is impossible and unlawful, and that the bankruptcy record must be removed immediately.","date_sent_to_company":"2025-11-13T17:31:39.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33185","tags":null,"has_narrative":true,"complaint_id":"17227916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-13T17:25:43.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is impossible for XXXX to have transmitted any data to Equifax under a <em>freeze</em>, <em>making</em> Equifaxs verification false, fabricated, or the result of unlawful access. This violates FCRA 1681e ( b ), 1681i ( a ), and 1681b ( a ) ( 2 ).\n\nFurthermore, the U.S. Bankruptcy Court has issued a written statement confirming that they never furnish bankruptcy information to XXXX, Equifax, or any <em>consumer</em> <em>reporting</em> agency for credit-<em>reporting</em> purposes."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.163004,"17227916"]},{"_index":"complaint-public-v1","_id":"17225727","_score":18.163004,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  has continued to report a bankruptcy record ( Case No. XXXX ) using a verification source that is impossible, unlawful, and explicitly contradicted by the evidence. XXXX reinvestigation letter states that it obtained and verified the record through LexisNexis, even though my LexisNexis consumer file is under an active Security Freeze, documented in writing and legally prohibiting any release of information to third parties. It is impossible for LexisNexis to have transmitted any data to XXXX under a freeze, making XXXX verification false, fabricated, or the result of unlawful access. This violates FCRA 1681e ( b ), 1681i ( a ), and 1681b ( a ) ( 2 ). \n\nFurthermore, the U.S. Bankruptcy Court has issued a written statement confirming that they never furnish bankruptcy information to LexisNexis, XXXX, or any consumer reporting agency for credit-reporting purposes. This means XXXX  relied on a non-furnisher, a frozen file, or an unauthorized data source. The combination of ( 1 ) a Security Freeze violation, ( 2 ) false verification, and ( 3 ) reliance on a non-furnisher source constitutes a serious breach of federal consumer-protection law, data security obligations, and reinvestigation requirements under the FCRA. \n\nI am attaching my formal NOTICE OF DATA BREACH, UNLAWFUL ACCESS, AND FALSE VERIFICATION, along with the LexisNexis Security Freeze confirmation, the Bankruptcy Court letter, and XXXX reinvestigation response. These documents demonstrate that XXXX claimed verification source is impossible and unlawful, and that the bankruptcy record must be removed immediately.","date_sent_to_company":"2025-11-13T18:36:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33185","tags":null,"has_narrative":true,"complaint_id":"17225727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-11-13T18:31:00.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It is impossible for LexisNexis to have transmitted any data to XXXX under a <em>freeze</em>, <em>making</em> XXXX verification false, fabricated, or the result of unlawful access. This violates FCRA 1681e ( b ), 1681i ( a ), and 1681b ( a ) ( 2 ). \n\nFurthermore, the U.S. Bankruptcy Court has issued a written statement confirming that they never furnish bankruptcy information to LexisNexis, XXXX, or any <em>consumer</em> <em>reporting</em> agency for credit-<em>reporting</em> purposes."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.163004,"17225727"]},{"_index":"complaint-public-v1","_id":"3249548","_score":17.921976,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/19, I contacted Experian to confirm that I do NOT have a security freeze on my account as I needed allow a screener to run a report on my information. Instead of receiving a confirmation, the automated system instead SIGNED ME UP for a security freeze instead and then noted that I will receive the mail via USPS in 7-10 business days. There was NO option to speak with a customer on their toll free line. \n\nSince I need the information NOW, I attempted to find another number for Experian and located one via an online search of comments another disgruntled consumer posted as XXXX. Experian asked me a number of security questions and then noted I did not answer the last one correctly. However, the wording of the security question, I believe, is meant to intentionally trip up the responder by asking about the mortgage payment per month. It was not clear whether the mortgage payment was the actual payment I specifically was making, whether it was the total mortgage payment ( as I co-own a mortgage with another person ), etc. They noted there was nothing they could do for me and I would have to wait 7-10 business days via USPS to receive my PIN in order to remove the  security freeze. This is not a reasonable amount of time to wait when one needs to access credit.\n\nI asked to speak with a manager. They noted there wasn't one available and 'XXXX XXXX would call me back that day and he never did. I called back again a few hours later. Another service representative handled my call and accused me of placing a security freeze via the automated system and they couldn't help me that i would have to wait 7-10 business days and there was simply nothing they could do about it. \n\nI NEVER authorized a security freeze on my account in the first place and why would I want to put one on when I want to make sure that I do NOT want a security freeze on my account?? I asked to speak with a manager again. The representative tried to dissuade me from talking to a manager and noted that the manager will not be able to do anything for me.\n\nI finally was transferred to a manager who noted I would have to either wait the 7-10 business days or pay {$20.00} to receive the PIN sent to my address in 1-2 business days. I had no problems with the other 2 credit reporting agencies, and I was able to connect swiftly with them to confirm no security freeze within minutes. However, with Experian : 1 ) they are doing a real disservice to consumers by not being transparent about their customer service line where you are able to access a real live human 2 ) they do not believe the customer when they ask to confirm there is no security freeze and instead put a security freeze on your account without prior authorization 3 ) they blamed me several times for putting the security freeze on my account that same day and said there is nothing wrong with their system 4 ) they extorted cash out of the consumer in order to get access to my pin in a reasonable timeframe ( the other option is to wait 7-10 business days which is extremely unreasonable ) or send a lot of personally identifiable sensitive information via USPS, which is ridiculous given part of Experians whole purpose is to help consumers protect their credit.","date_sent_to_company":"2019-05-21T21:48:36.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"22180","tags":"Servicemember","has_narrative":true,"complaint_id":"3249548","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-21T21:19:15.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I had no problems with the other 2 credit <em>reporting</em> agencies, and I was able to connect swiftly with them to confirm no <em>security</em> <em>freeze</em> within minutes."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.921976,"3249548"]},{"_index":"complaint-public-v1","_id":"14406103","_score":17.662592,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax, I received your letter requesting for the list of missing accounts. My account information, with my name is reported every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit report. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my security freeze. Please place my security freeze back on my credit report. I have already notified all the credit bureaus that I WILL NOT BE removing or lifting my security freeze in XXXX, I WILL NOT BE removing my extended 7yr fraud alert in XXXX, I WILL NOT BE making in changes to my consumer statements in XXXX. In XXXX  I WILL NOT Be applying for any new credit and/or purchases that requires a new account and/or new credit. There will BE NO NEW ACTIVITY in 2025. Thank You TO : All Credit Bureaus.... especially Equifax XXXX Please note ... beware ... be cautious of someone trying to place their school loans on my credit report in my name. I have no new school loan and no old school loans that are surprisingly trying to show up. \n\nXXXX XXXX!!","date_sent_to_company":"2025-07-01T23:09:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78224","tags":null,"has_narrative":true,"complaint_id":"14406103","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-01T21:38:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My account information, with my name is <em>reported</em> every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit <em>report</em>. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my <em>security</em> <em>freeze</em>. Please place my <em>security</em> <em>freeze</em> back on my credit <em>report</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.662592,"14406103"]},{"_index":"complaint-public-v1","_id":"14403344","_score":17.662592,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax, I received your letter requesting for the list of missing accounts. My account information, with my name is reported every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit report. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my security freeze. Please place my security freeze back on my credit report. I have already notified all the credit bureaus that I WILL NOT BE removing or lifting my security freeze in XXXX, I WILL NOT BE removing my extended 7yr fraud alert in XXXX, I WILL NOT BE making in changes to my consumer statements in XXXX. In XXXX  I WILL NOT Be applying for any new credit and/or purchases that requires a new account and/or new credit. There will BE NO NEW ACTIVITY in 2025. Thank You TO : All Credit Bureaus.... especially Equifax XXXX Please note ... beware ... be cautious of someone trying to place their school loans on my credit report in my name. I have no new school loan and no old school loans that are surprisingly trying to show up. \n\nXXXX XXXX!!","date_sent_to_company":"2025-07-01T23:09:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78224","tags":null,"has_narrative":true,"complaint_id":"14403344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-01T23:09:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My account information, with my name is <em>reported</em> every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit <em>report</em>. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my <em>security</em> <em>freeze</em>. Please place my <em>security</em> <em>freeze</em> back on my credit <em>report</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.662592,"14403344"]},{"_index":"complaint-public-v1","_id":"10358951","_score":17.590357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My social security number was released in a security breach. \n\nI went online and froze my credit reports with both XXXX and XXXX in less than 10 minutes.\n\nWhen I attempted to freeze my account online with Equifax, Equifax told me that I had incorrectly answered its security questions, which were incredibly obscure. Because I no longer have records of some of the closed accounts that Equifax was asking about, I decided to freeze my credit report by letter.\n\nAs a consumer lawyer, I read the instructions very carefully, and submitted ( 1 ) a signed cover letter ; ( 2 ) a copy of my driver 's license and a copy of my W-2. Although both copies were \" fresh '' ( i.e., either printed directly from my computer, or the first copy of the document, as opposed to a copy of a copy ), Equifax sent me a letter stating that my document were illegible and that I needed to resubmit my request. The assertion that the documents were illegible is a blatant falsehood.\n\nI don't expect you to resolve this problem for me. But I would ask that you make a record of this complaint because it is clear that Equifax is intentionally making it unnecessarily difficult for consumers to freeze their credit reports, placing consumers at tremendous risk of financial harm solely to maximize Equifax 's profits.","date_sent_to_company":"2024-10-05T19:29:30.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"44512","tags":null,"has_narrative":true,"complaint_id":"10358951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-05T19:12:28.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["But I would ask that you make a record of this complaint because it is clear that Equifax is intentionally <em>making</em> it unnecessarily difficult for <em>consumers</em> to <em>freeze</em> their credit <em>reports</em>, placing <em>consumers</em> at tremendous risk of financial harm solely to maximize Equifax 's profits."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[17.590357,"10358951"]},{"_index":"complaint-public-v1","_id":"14403343","_score":17.58226,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax, I received your letter requesting for the list of missing accounts. My account information, with my name is reported every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit report. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my security freeze. Please place my security freeze back on my credit report. I have already notified all the credit bureaus that I WILL NOT BE removing or lifting my security freeze in XXXX, I WILL NOT BE removing my extended 7yr fraud alert in XXXX, I WILL NOT BE making in changes to my consumer statements in XXXX. In XXXX  I WILL NOT Be applying for any new credit and/or purchases that requires a new account and/or new credit. There will BE NO NEW ACTIVITY in 2025. Thank You TO : All Credit Bureaus.... especially Equifax XXXX Please note ... beware ... be cautious of someone trying to place their school loans on my credit report in my name. I have no new school loan and no old school loans that are surprisingly trying to show up. \n\nXXXX XXXX!!","date_sent_to_company":"2025-07-01T23:09:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78224","tags":null,"has_narrative":true,"complaint_id":"14403343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-01T23:09:08.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My account information, with my name is <em>reported</em> every month to the credit bureaus. Ten missing accounts. Simply begin to place the correct accounts on the correct credit <em>report</em>. I have already spent hundreds of dollars on certified and priority mail for ongoing temporary corrections, and ongoing cover-up replies. Also, Equifax accepted a false request to remove my <em>security</em> <em>freeze</em>. Please place my <em>security</em> <em>freeze</em> back on my credit <em>report</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.58226,"14403343"]},{"_index":"complaint-public-v1","_id":"2684245","_score":17.560968,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Since the XXXX XXXX news of personal data at Equifax being hacked, I have been trying to obtain a credit freeze with the company. I was able to request similar credit freezes with XXXX and XXXX through web pages, in about 5 minutes each, but I am completely unable to get through to Equifax about a credit freeze -- on the web or by phone. \n\nFirst I tried the obvious site, www.freeze.equifax.com. I recorded name, address, birth date, and Social Security number on the first page, titled \" Place, Temporarily Lift or Permanently Remove a Security Freeze. '' The second page that comes up is titled \" Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze '' -- but the only options all have to do with LIFTING a security freeze, NOT placing one. Thinking this was a website glitch, I kept trying the page on consecutive days for more than a week, but an option for placing a freeze has never appeared. I also tried two different browsers, but the result was the same. \n\nToday I decided to try calling Equifax since the website does n't work. I tried three different numbers, at which no one could help. Someone at the first number ( XXXX ) referred me to a second number ( XXXX ), which was a recorded message about requesting a credit report. A third number ( XXXX ) is only effective during business hours, so I 'll have to call back tomorrow. \n\nMeanwhile, I did have success with an Equifax site that allowed me to put basic data in and learn that I 'm probably not at risk -- but given my poor experience with customer service so far, I do n't believe I can trust that message. \n\nIt almost seems as though Equifax is deliberately making it difficult for consumers to get any kind of help with security freezes... although, of course, it 's very easy to subscribe to their own credit monitoring plans. I feel as if I am being stonewalled.","date_sent_to_company":"2017-09-26T00:06:00.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"27103","tags":"Older American","has_narrative":true,"complaint_id":"2684245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-25T23:39:09.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It almost seems as though Equifax is deliberately <em>making</em> it difficult for <em>consumers</em> to get any kind of help with <em>security</em> <em>freezes</em>... although, of course, it 's very easy to subscribe to their own credit monitoring plans. I feel as if I am being stonewalled."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[17.560968,"2684245"]},{"_index":"complaint-public-v1","_id":"3540404","_score":17.320526,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I downloaded a copy of my credit report from Experian. I have a security freeze on my credit account for security reasons. I was shocked at how many \" soft inquiries '' were listed on my report. Two companies are creditors ( as in credit card companies ) but the rest of the companies ARE NOT CREDITORS AND HAVE NO RIGHTS TO ACCESS MY ACCOUNT. \n\nAccording to XXXX A soft credit inquiry gives the same information that a hard credit inquiry does, including your payment and credit history, debt management, any derogatory marks you may have and your credit score. \n\nExperian calls them soft inquiries as opposed to hard inquiries and uses that designation as their excuse to release my credit history to anyone that requests it. My wife and I receive no protection from having a security freeze since Experian is ignoring our security freeze and issuing credit reports in spite of the freeze. Experian states soft inquiries are not disputable. Experian also states that Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting periodic reviews of your existing credit accounts. \n\nThe Consumer Financial Protection Bureau states on their web site A security freeze prevents prospective creditors from accessing your credit file. Creditors typically won't offer you credit if they can't access your credit reporting file, so a security freeze, also called a credit freeze, prevents you or others from opening accounts in your name. Security freezes can be useful in preventing an identity thief from opening a new credit account in your name. \nOnly a limited number of entities can see your file while a freeze is in place, including : Creditors of accounts you currently hold Certain government entities like child support agencies Companies that you've hired to monitor your credit file Under these guidelines only 2 companies would have legal access to my files. We have credit cards from 2 different financial institutions so I have 2 creditors entitled to look at my credit history. We have no government entities accessing our credit reports and we have not hired any firm to monitor our credit file. The two credit card companies legally entitled to access my account are among the numerous soft inquiries on my most recent credit report. \nNone of the other soft inquiries are creditors for my wife and me or fit into the other 2 listed categories, which means, by the federal guidelines they are prospective creditors and should not be allowed access to our credit history.\n\nUnder Federal law I would assume companies making promotional offers of credit are exactly the same thing that the CFPB refers to as prospective creditors and prospective creditors are not supposed to be able to access my credit reports. Experian is essentially admitting they are not honoring the credit freeze on our accounts by calling their release of our personal information soft inquiries. It appears to me they are using soft inquiries as a means to circumvent our credit freeze and putting our credit history at risk of identity theft. \n\nFair Credit Reporting Act states You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. Experian has never requested authorization to release my credit files. \nI have tried to contact Experian by telephone but talking to a live person is apparently not an option. I tried 3 different telephone numbers and got only a robotic voice at each one. Experian has succeeded in forcing consumers to deal with a robotic voice. I was never able to reach a live person. Nor does Experian provide an email address for contact. Experian should not be able to hide from the general public so easily. I chose not to write a letter to Experian because there is no guarantee that Experian will respond or how long they will take to respond. Since my credit information is apparently being illegally placed at risk to anyone willing to pay the fee I chose to file a complaint and try to stop Experian from subjecting my credit information to further risk of identity theft.\n\nUndoubtedly my wife 's credit file is being subjected to the same illegal activity by Experian and XXXX  and XXXX XXXX but I want to see how this complaint works before I deal with the rest of this. \n\nBased on the information posted on the CFPB web page Experian is violating the law and I ask that the CFPB stop them. In today 's world of rampant identity theft and other scams that bilk seniors out of hundreds of thousands of dollars, a rogue credit bureau needs to be made to follow the law or the Fair Credit Reporting Act is little more than a farce.","date_sent_to_company":"2020-02-21T09:37:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"99515","tags":"Older American","has_narrative":true,"complaint_id":"3540404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-02-21T07:21:57.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>Consumer</em> Financial Protection Bureau states on their web site A <em>security</em> <em>freeze</em> prevents prospective creditors from accessing your credit file. Creditors typically won't offer you credit if they can't access your credit <em>reporting</em> file, so a <em>security</em> <em>freeze</em>, also called a credit <em>freeze</em>, prevents you or others from opening accounts in your name. <em>Security</em> <em>freezes</em> can be useful in preventing an identity thief from opening a new credit account in your name."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.320526,"3540404"]},{"_index":"complaint-public-v1","_id":"5187673","_score":17.195778,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is violating my right of having a credit freeze added to my credit file maintained by them in a timely manner pursuant the The Economic Growth, Regulatory Relief, and Consumer Protection Act. I was able to add such a freeze to my credit files maintained by XXXX in less than an hour, and I expect the same from Experian. \n\nI tried adding a freeze to my Experian credit file but once I finish filling out the form the website tells me Experian is unable to 'honor \" my credit freeze and asks me to send in multiple documents including a police report showing I had reported fraud which doesn't even apply to me ( I have attached a screen shot of this screen ). \n\nOn the same website, it also tells me that I have the right to request a credit freeze by phone stating, \" If you wish to use one of our fraud prevention services, such as add or remove a fraud alert or security freeze, you can do so by visiting experian.com/help, calling XXXX XXXX XXXX  ''. When I try calling XXXX, an automated prompt answers the line and does not give me the option to request such a freeze and I believe such to be a deceptive trade practice as a consumer in the state of Texas XXXX I made an audio recording of these calls and will provide them if requested. \n\nI am making this complaint because I intend to bring a civil action if this does not prove effective in exercising my right to having a credit freeze added to my Experian credit file in a timely manner and in a manner compliant with laws intended to protect the rights of consumers.","date_sent_to_company":"2022-02-05T09:54:17.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77581","tags":null,"has_narrative":true,"complaint_id":"5187673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-05T04:09:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am <em>making</em> this complaint because I intend to bring a civil action if this does not prove effective in exercising my right to having a credit <em>freeze</em> added to my Experian credit file in a timely manner and in a manner compliant with laws intended to protect the rights of <em>consumers</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.195778,"5187673"]},{"_index":"complaint-public-v1","_id":"2671902","_score":17.11972,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to the Equifax security breach, I placed a freeze on my credit report on XXXX XXXX 2017. I then realized I need to run my report, so I called back to lift the freeze, & discovered I need to pay {$5.00} to take this action. \nI reluctantly paid as, I needed to run my report, but I am extremely angered about this fee since 1st off it is due to lack of secure diligence by Equifax that I have to place the freeze to begin with! And I foresee Equifax taking advantage & making profits off many by their failure! \n1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit report. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of security protocol issue & charge consumers {$5.00} each time the lift a freeze. Their lack of security is bad enough for an institution that is holding such delicate private information, let alone not holding them responsible to correct & protect the situation. \n\nI also have a client that is currently held up to enter a Purchase contract of sale, because Equifax will not lift the freeze off her account via the website or call, but she has to send delicate private info to them via regular mail to their office, ( thus putting herself more openly accessed to fraud ), for Equifax to lift her freeze. On top, through her communications with Equifax, no one is able to explain 'why ' she has to mail in her info & no one will confirm how long this process will take. \nThese are MAJOR FLAWS. \n2 Credit Bureaus suffice. \n\nThank you","date_sent_to_company":"2017-09-13T17:27:47.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"2671902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T16:54:34.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["And I foresee Equifax taking advantage & <em>making</em> profits off many by their failure! \n1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit <em>report</em>. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of <em>security</em> protocol issue & charge <em>consumers</em> {$5.00} each time the lift a <em>freeze</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[17.11972,"2671902"]},{"_index":"complaint-public-v1","_id":"2670905","_score":16.893234,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Due to the Equifax security breech i am attempting to freeze my reports at the various credit reporting agencies, ALL of whom have made it a herculean task. None as bad as XXXX and Equifax themselves. \n\n1 ) XXXX makes you register and then deems your security answers to be false when they are not. Literally locking you out of the system. They have no way for contacting them other than via phone. which is time consuming and a long wait. This is a deliberate diversion to keep you from freezing your report. Also, I suspect that given my age, XXXX, and the fact that putting a freeze on my data is suppose to be 'free ', they are deliberately discriminating. \n\n2 ) Equifax, the guilty party that has created all this chaos has a broken web site. AFTER you spend 20 minutes doing data entry you can not actually follow through with a 'freeze ', the link just goes round and round and dumps you out. So they are incompetent as well. Perhaps the multitudes are freezing their data on this site and its overworked but surely they should be able to accommodate it. \n\nFinally, WHAT is the logic in making anyone, regardless of age, have to pay to freeze their reports? All agencies do this. This is consumer madness especially since in order to protect your data you now have to pay the company that allowed the breech to begin with. That 's like having to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a second time. Are you kidding me. They should be providing everyone with a free freeze and you should be forcing this to happen..","date_sent_to_company":"2017-09-20T16:43:30.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"94803","tags":"Older American","has_narrative":true,"complaint_id":"2670905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T20:50:49.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Finally, WHAT is the logic in <em>making</em> anyone, regardless of age, have to pay to <em>freeze</em> their <em>reports</em>? All agencies do this. This is <em>consumer</em> madness especially since in order to protect your data you now have to pay the company that allowed the breech to begin with. That 's like having to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a second time. Are you kidding me. They should be providing everyone with a free <em>freeze</em> and you should be forcing this to happen.."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[16.893234,"2670905"]},{"_index":"complaint-public-v1","_id":"3454094","_score":16.804098,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I tried to freeze my credit reports XXXX times using Experian 's website. Each time I submitted the online form with correct information, the website displayed an error message saying that my request could not be completed and that I had to mail in documentation. \n\nI had no issues freezing my credit reports with XXXX and XXXX on the first try during that same time periods. \n\nBased on the consumer complaints, this has been a known issue for almost two years, ever since freezes became free. \n\nThere is no excuse in this day and age for a financial firm to have inadequate security and technology 2 years after a major breach and new laws being inplemented. Experian seems to be willfully skirting their legal responsibilities by making it difficult for people to protect their identities using the most convenient method ( the internet ).","date_sent_to_company":"2019-11-30T17:42:32.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"90277","tags":null,"has_narrative":true,"complaint_id":"3454094","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-11-30T17:27:59.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Based on the <em>consumer</em> complaints, this has been a known issue for almost two years, ever since <em>freezes</em> became free. \n\nThere is no excuse in this day and age for a financial firm to have inadequate <em>security</em> and technology 2 years after a major breach and new laws being inplemented. 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