{"took":101,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":453,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11438995","_score":22.610327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had my credit frozen with the secondary credit bureau like XXXX or XXXX, but Transunion ignore my credit freeze with these secondary credit bureau and released my credit files to third party. Also, I request an update on my address, spelling of my name, and social security number on my credit with Transunion, since it reflects wrong information. They never did update my request after sending copy of my driver license, social security card, as well my utilities and insurance bills reflecting my correct name and ss number","date_sent_to_company":"2025-01-09T04:02:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33884","tags":"Servicemember","has_narrative":true,"complaint_id":"11438995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-09T03:49:29.000Z","state":"FL","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":["I had my credit frozen with the <em>secondary</em> credit bureau like XXXX or XXXX, but Transunion ignore my credit <em>freeze</em> with these <em>secondary</em> credit bureau and released my credit files to third party. Also, I request an update on my address, spelling of my name, and social <em>security</em> number on my credit with Transunion, since it reflects wrong <em>information</em>."]},"sort":[22.610327,"11438995"]},{"_index":"complaint-public-v1","_id":"13036237","_score":22.096611,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"__________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-17T18:45:02.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33624","tags":null,"has_narrative":true,"complaint_id":"13036237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2025-04-17T18:40:15.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.____"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[22.096611,"13036237"]},{"_index":"complaint-public-v1","_id":"10740894","_score":22.087448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've filed several complaints and sent an almost innumerable amounts of disputes and grievances about the credit reporting of XXXX, XXXX, and Experian. From the date of my original CFPB, FTC, and XXXX  complaints, suddenly I am not given access to my XXXX consumer report, nor can I access my XXXX secondary report, from the secondary consumer reporting agency owned by XXXX. Via phone or online. There is incorrect account, balances, and personal information that I have disputed multiple times, that are not only being incorrectly and inaccurately reported, my information is being shared and sold which I did not consent to. I did not provide written permissable purpose for such disclosures. I've also done security freezes with the secondary bureaus that XXXX, Experian, and XXXX own and operate and use to validate consumer debts. When a consumer disputes information, no real investigations are performed. They simply send a verified reply from their subsidiaries in effort to tie the consumer to the alleged debts. XXXX XXXX, is the secondary consumer reporting agency that is owned and operated by XXXX and used to validate when information is disputed with the agency. XXXX XXXX owned by XXXX, gathers details from consumers and shares it with payday loan companies, rent-to-own stores, furniture shops with financing options, auto financing companies, high-risk consumer finance firms, subprime home loan providers, subprime credit card issuers, banks, credit unions, cable/telecom companies, and debt collectors. XXXX is the secondary consumer reporting agency owned and operated by XXXX. XXXX gathers and shares data on how non prime consumers manage their loans. This information is used to create predictive credit insights, analytics, and risk scores for short-term lenders, installment lenders, non prime auto lenders ( including leasing companies ), and other providers offering credit to those with subpar credit histories. XXXX is XXXX 's in house subsidiary they use to validate consumer debts knowing the consumer market at large has no idea this secondary consumer reporting agency exists. \nXXXX XXXX also owned and operated by XXXX, collects and provides consumer payment history on payday and installment loans, subprime credit cards and other specialty loans. Consumer payment history is expressly prohibited to be included in a consumer report unless given permissable purpose by the consumer pursuant to 15 USC 1681. \nI placed a security freeze with Clarity Services owned and operated by Experian. Clarity Services is the subsidiary of Experian used to validate consumer debt when disputed as well. Clarity Services gathers and supplies data regarding payday loans, installment loans, auto loans ( including leasing ), check cashing services, rent-to-own deals, telecommunication account openings, and financial services, focusing on the lower-income and subprime consumer sectors. I've placed a security freeze on all my information with these secondary reporting agencies. I never requested to have my information shared, then placed a freeze on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal information that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed. They simply validate the debt via subsidiary company. I've attached multiple evidences of this below.","date_sent_to_company":"2024-11-10T00:02:19.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"10740894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-10T00:02:16.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I've placed a <em>security</em> <em>freeze</em> on all my <em>information</em> with these <em>secondary</em> reporting agencies. I never requested to have my <em>information</em> shared, then placed a <em>freeze</em> on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal <em>information</em> that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[22.087448,"10740894"]},{"_index":"complaint-public-v1","_id":"13049668","_score":22.039326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"__________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-17T18:45:07.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33624","tags":null,"has_narrative":true,"complaint_id":"13049668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-04-17T18:44:37.000Z","state":"FL","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":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.____"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[22.039326,"13049668"]},{"_index":"complaint-public-v1","_id":"17558388","_score":21.585125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that XXXX XXXX XXXXXXXX, and all other secondary consumer-reporting agencies place a security freeze on my consumer file. \nThese companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my information. \n\nI am asking the CFPB to assist in ensuring each agency places the freeze promptly and provides written confirmation.","date_sent_to_company":"2025-11-27T13:28:36.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"32789","tags":"Servicemember","has_narrative":true,"complaint_id":"17558388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-27T13:28:09.000Z","state":"FL","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 requesting that XXXX XXXX XXXXXXXX, and all other <em>secondary</em> consumer-reporting agencies place a <em>security</em> <em>freeze</em> on my consumer file. \nThese companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my <em>information</em>. \n\nI am asking the CFPB to assist in ensuring each agency places the <em>freeze</em> promptly and provides written confirmation."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[21.585125,"17558388"]},{"_index":"complaint-public-v1","_id":"17840007","_score":21.473375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that XXXX XXXX MicroBiltXXXX, and all other secondary consumer-reporting agencies place a security freeze on my consumer file. \nThese companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my information. \n\nI am asking the CFPB to assist in ensuring each agency places the freeze promptly and provides written confirmation.","date_sent_to_company":"2025-11-27T13:28:35.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"32789","tags":"Servicemember","has_narrative":true,"complaint_id":"17840007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-11-27T13:28:09.000Z","state":"FL","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 requesting that XXXX XXXX MicroBiltXXXX, and all other <em>secondary</em> consumer-reporting agencies place a <em>security</em> <em>freeze</em> on my consumer file. \nThese companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my <em>information</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[21.473375,"17840007"]},{"_index":"complaint-public-v1","_id":"17554277","_score":21.473375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that ChexSystems, XXXX, XXXX, and all other secondary consumer-reporting agencies place a security freeze on my consumer file. \nThese companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my information. \n\nI am asking the CFPB to assist in ensuring each agency places the freeze promptly and provides written confirmation.","date_sent_to_company":"2025-11-27T13:28:32.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"32789","tags":"Servicemember","has_narrative":true,"complaint_id":"17554277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-11-27T13:20:37.000Z","state":"FL","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 requesting that ChexSystems, XXXX, XXXX, and all other <em>secondary</em> consumer-reporting agencies place a <em>security</em> <em>freeze</em> on my consumer file. \nThese companies have continued to share and distribute my personal and credit-related data without my authorization, and I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA ) to restrict access to my <em>information</em>."],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company":["Fidelity National <em>Information</em> Services, Inc. (FNIS)"]},"sort":[21.473375,"17554277"]},{"_index":"complaint-public-v1","_id":"10740114","_score":21.469606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've filed several complaints and sent an almost innumerable amounts of disputes and grievances about the credit reporting of Equifax, XXXX, and XXXX. From the date of my original CFPB, FTC, and XXXX complaints, suddenly I am not given access to my XXXX consumer report, nor can I access my XXXX  secondary report, from the XXXXecondary consumer reporting agency owned by XXXX. Via phone or online. There is incorrect account, balances, and personal information that I have disputed multiple times, that are not only being incorrectly and inaccurately reported, my information is being shared and sold which I did not consent to. I did not provide written permissable purpose for such disclosures. I've also done security freezes with the secondary bureaus that Equifax, XXXX, and XXXX own and operate and use to validate consumer debts. When a consumer disputes information, no real investigations are performed. They simply send a verified reply from their subsidiaries in effort to tie the consumer to the alleged debts. Teletrack LLCXXXX is the secondary consumer reporting agency that is owned and operated by Equifax and used to validate when information is disputed with the agency. Teletrack LLC owned by Equifax, gathers details from consumers and shares it with payday loan companies, rent-to-own stores, furniture shops with financing options, auto financing companies, high-risk consumer finance firms, subprime home loan providers, subprime credit card issuers, banks, credit unions, cable/telecom companies, and debt collectors. XXXX is the secondary consumer reporting agency owned and operated by XXXX. XXXX gathers and shares data on how non prime consumers manage their loans. This information is used to create predictive credit insights, analytics, and risk scores for short-term lenders, installment lenders, non prime auto lenders ( including leasing companies ), and other providers offering credit to those with subpar credit histories. XXXX is XXXX 's in house subsidiary they use to validate consumer debts knowing the consumer market at large has no idea this secondary consumer reporting agency exists. \nData X also owned and operated by Equifax, collects and provides consumer payment history on payday and installment loans, subprime credit cards and other specialty loans. Consumer payment history is expressly prohibited to be included in a consumer report unless given permissable purpose by the consumer pursuant to 15 USC 1681. \nI placed a security freeze with XXXX XXXX owned and operated by XXXX. XXXX XXXX is the subsidiary of XXXX used to validate consumer debt when disputed as well. XXXX XXXX gathers and supplies data regarding payday loans, installment loans, auto loans ( including leasing ), check cashing services, rent-to-own deals, telecommunication account openings, and financial services, focusing on the lower-income and subprime consumer sectors. I've placed a security freeze on all my information with these secondary reporting agencies. I never requested to have my information shared, then placed a freeze on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal information that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed. They simply validate the debt via subsidiary company. I've attached multiple evidences of this below.","date_sent_to_company":"2024-11-10T00:02:08.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"10740114","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-09T22:51:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I've placed a <em>security</em> <em>freeze</em> on all my <em>information</em> with these <em>secondary</em> reporting agencies. I never requested to have my <em>information</em> shared, then placed a <em>freeze</em> on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal <em>information</em> that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed."]},"sort":[21.469606,"10740114"]},{"_index":"complaint-public-v1","_id":"10740895","_score":21.389248,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've filed several complaints and sent an almost innumerable amounts of disputes and grievances about the credit reporting of XXXX, TransUnion, and XXXX. From the date of my original CFPB, FTC, and XXXX  complaints, suddenly I am not given access to my TransUnion consumer report, nor can I access my XXXX secondary report, from the secondary consumer reporting agency owned by TransUnion. Via phone or online. There is incorrect account, balances, and personal information that I have disputed multiple times, that are not only being incorrectly and inaccurately reported, my information is being shared and sold which I did not consent to. I did not provide written permissable purpose for such disclosures. I've also done security freezes with the secondary bureaus that XXXX, XXXX, and TransUnion own and operate and use to validate consumer debts. When a consumer disputes information, no real investigations are performed. They simply send a verified reply from their subsidiaries in effort to tie the consumer to the alleged debts. XXXX XXXX, is the secondary consumer reporting agency that is owned and operated by XXXX and used to validate when information is disputed with the agency. XXXX XXXX owned by XXXX, gathers details from consumers and shares it with payday loan companies, rent-to-own stores, furniture shops with financing options, auto financing companies, high-risk consumer finance firms, subprime home loan providers, subprime credit card issuers, banks, credit unions, cable/telecom companies, and debt collectors. XXXX is the secondary consumer reporting agency owned and operated by TransUnion. XXXX gathers and shares data on how non prime consumers manage their loans. This information is used to create predictive credit insights, analytics, and risk scores for short-term lenders, installment lenders, non prime auto lenders ( including leasing companies ), and other providers offering credit to those with subpar credit histories. XXXX is TransUnion 's in house subsidiary they use to validate consumer debts knowing the consumer market at large has no idea this secondary consumer reporting agency exists. \nXXXX XXXX also owned and operated by XXXX, collects and provides consumer payment history on payday and installment loans, subprime credit cards and other specialty loans. Consumer payment history is expressly prohibited to be included in a consumer report unless given permissable purpose by the consumer pursuant to 15 USC 1681. \nI placed a security freeze with XXXX XXXX owned and operated by XXXX. XXXX XXXX is the subsidiary of XXXX used to validate consumer debt when disputed as well. XXXX XXXX gathers and supplies data regarding payday loans, installment loans, auto loans ( including leasing ), check cashing services, rent-to-own deals, telecommunication account openings, and financial services, focusing on the lower-income and subprime consumer sectors. I've placed a security freeze on all my information with these secondary reporting agencies. I never requested to have my information shared, then placed a freeze on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal information that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed. They simply validate the debt via subsidiary company. I've attached multiple evidences of this below.","date_sent_to_company":"2024-11-10T00:02:19.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"10740895","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-10T00:02:16.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I've placed a <em>security</em> <em>freeze</em> on all my <em>information</em> with these <em>secondary</em> reporting agencies. I never requested to have my <em>information</em> shared, then placed a <em>freeze</em> on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal <em>information</em> that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed."]},"sort":[21.389248,"10740895"]},{"_index":"complaint-public-v1","_id":"17268695","_score":21.374844,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. \nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. \n\nSECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. \n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-16T00:29:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-16T00:28:41.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT BUREAUS + <em>SECONDARY</em> BUREAUS + XXXX  XXXX  CONSUMER <em>INFORMATION</em> Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> Bureau <em>Freeze</em> XXXX <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[21.374844,"17268695"]},{"_index":"complaint-public-v1","_id":"17268578","_score":21.368082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + CHECK SYSTEMS CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION 1 REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX  Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SECTION 3 SECONDARY & SPECIALTY BUREAUS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION 4 BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION 5 UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA.\n\nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt.\n\nSECTION 6 REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION 7 CERTIFICATION I certify that all information provided is true and correct. \n\n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-11-16T00:36:31.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-11-16T00:29:08.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT BUREAUS + <em>SECONDARY</em> BUREAUS + CHECK SYSTEMS CONSUMER <em>INFORMATION</em> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION 1 REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> Bureau <em>Freeze</em> XXXX  <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[21.368082,"17268578"]},{"_index":"complaint-public-v1","_id":"17268554","_score":21.316572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + CHECK SYSTEMS CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION 1 REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX  Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION 3 SECONDARY & SPECIALTY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SECTION 4 BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION 5 UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA.\n\nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt.\n\nSECTION 6 REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION 7 CERTIFICATION I certify that all information provided is true and correct. \n\n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-11-16T00:36:33.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-11-16T00:36:09.000Z","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":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT BUREAUS + <em>SECONDARY</em> BUREAUS + CHECK SYSTEMS CONSUMER <em>INFORMATION</em> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION 1 REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> Bureau <em>Freeze</em> XXXX  <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company":["Fidelity National <em>Information</em> Services, Inc. (FNIS)"]},"sort":[21.316572,"17268554"]},{"_index":"complaint-public-v1","_id":"17268493","_score":21.316572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. \nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. \n\nSECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. \n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-16T00:29:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268493","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-16T00:19:09.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT BUREAUS + <em>SECONDARY</em> BUREAUS + XXXX  XXXX  CONSUMER <em>INFORMATION</em> Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> Bureau <em>Freeze</em> XXXX <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[21.316572,"17268493"]},{"_index":"complaint-public-v1","_id":"17268694","_score":21.296923,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. \nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. \n\nSECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. \n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-16T00:29:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-16T00:28:41.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT BUREAUS + <em>SECONDARY</em> BUREAUS + XXXX  XXXX  CONSUMER <em>INFORMATION</em> Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> Bureau <em>Freeze</em> XXXX <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[21.296923,"17268694"]},{"_index":"complaint-public-v1","_id":"3622927","_score":20.994606,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I would like to institute a Security Freeze with the three credit reporting agencies. XXXX, and XXXX  make it easy. All I had to do was sign into my account with them, do a few clicks and a Security Freeze was placed immediately. Experian makes it near impossible. They hide access to Security Freeze information all the time trying to sell you one or more of their paid services. When you finally find the place where you are supposed to be able to place the freeze, you fill out a form and click \" Submit '' which then tells you you must mail the form to them in Texas which will take weeks or longer. \nAre they allowed to have rules which make placing a free Security Freeze difficult or near impossible unlike XXXX  and XXXX. To get to the page I had to sign in to my account with Experian ( Member ID : XXXX ) get past their request for {$19.00} per month to place a \" Credit Block '' and go through other hoops to be told to mail the application to their Texas Office. All this after I signed in, with my password, replied to their text for a secondary number and provided my Social Security number. \nUnder CFPB rules are they able to make this so difficult and make their website a marketing tool unlike the two other agencies? Their Phone Service is a computer that gives you meaningless information and then hangs up. Please help.","date_sent_to_company":"2020-04-25T17:12:01.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"334XX","tags":"Older American","has_narrative":true,"complaint_id":"3622927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-25T16:37:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["I would like to institute a <em>Security</em> <em>Freeze</em> with the three credit reporting agencies. XXXX, and XXXX  make it easy. All I had to do was sign into my account with them, do a few clicks and a <em>Security</em> <em>Freeze</em> was placed immediately. Experian makes it near impossible. They hide access to <em>Security</em> <em>Freeze</em> <em>information</em> all the time trying to sell you one or more of their paid services."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[20.994606,"3622927"]},{"_index":"complaint-public-v1","_id":"14582374","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.","date_sent_to_company":"2025-07-11T02:42:03.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77036","tags":null,"has_narrative":true,"complaint_id":"14582374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-11T02:41:41.000Z","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":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a <em>security</em> <em>freeze</em> on my credit file effective today."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"14582374"]},{"_index":"complaint-public-v1","_id":"14544396","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. \nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail. \n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file. \n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent. \n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.","date_sent_to_company":"2025-07-09T17:24:25.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"34758","tags":null,"has_narrative":true,"complaint_id":"14544396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-09T17:23:57.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a <em>security</em> <em>freeze</em> on my credit file effective today."],"issue":["Problem with fraud alerts or <em>security</em> freezes"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[20.9512,"14544396"]},{"_index":"complaint-public-v1","_id":"14538904","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. Effective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. This freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail. \n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.","date_sent_to_company":"2025-07-09T22:23:44.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77063","tags":null,"has_narrative":true,"complaint_id":"14538904","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-09T22:18:24.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a <em>security</em> <em>freeze</em> on my credit file effective today."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"14538904"]},{"_index":"complaint-public-v1","_id":"14537880","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.","date_sent_to_company":"2025-07-09T22:14:20.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77063","tags":null,"has_narrative":true,"complaint_id":"14537880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-09T22:13:54.000Z","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":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a <em>security</em> <em>freeze</em> on my credit file effective today."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"14537880"]},{"_index":"complaint-public-v1","_id":"13061382","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. \n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions _________RESOLUTION_______ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent. \nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks ____I would like to place a security freeze and Block on my credit file effective today.___","date_sent_to_company":"2025-04-18T14:50:58.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"13061382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-18T14:50:28.000Z","state":"FL","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":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks ____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.___"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"13061382"]},{"_index":"complaint-public-v1","_id":"13013411","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act (\n\nFCRA ) 15 U.S.C. 1681 et seq. The Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-16T17:09:11.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33186","tags":null,"has_narrative":true,"complaint_id":"13013411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T17:08:41.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.____"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"13013411"]},{"_index":"complaint-public-v1","_id":"13013410","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. \n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law XXXX, Section XXXX ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. \n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within XXXX ( XXXX ) business day if the request is submitted online or by phone, and within XXXX ( XXXX ) business days if submitted by mail. \n\n\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file. \n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. \n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law XXXX, Section XXXX ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-16T17:09:12.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33186","tags":null,"has_narrative":true,"complaint_id":"13013410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-04-16T17:08:41.000Z","state":"FL","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":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.____"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"13013410"]},{"_index":"complaint-public-v1","_id":"13008267","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-15T19:38:09.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"13008267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2025-04-15T19:11:54.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.____"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"13008267"]},{"_index":"complaint-public-v1","_id":"13006704","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-15T19:05:28.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"13006704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-15T19:05:03.000Z","state":"FL","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":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.____"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"13006704"]},{"_index":"complaint-public-v1","_id":"13006466","_score":20.9512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-15T19:05:32.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"13006466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-15T19:05:03.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Block <em>Secondary</em> Data Access Restrict access to my <em>information</em> from <em>secondary</em> consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a <em>security</em> <em>freeze</em> and Block on my credit file effective today.____"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[20.9512,"13006466"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":453,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":453}]}},"product":{"doc_count":453,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":434,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":433},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit card","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge 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