Credit reporting or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #19161298
Experian Security Freeze Dispute Under Review
Complaint Overview
Complaint ID: 19161298
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with fraud alerts or security freezes
State: New York
ZIP Code: 11418
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The issue involves a security freeze on a credit report, which can have significant implications for identity theft protection and access to credit.
Consumer Sentiment: neutral
Topics: Credit reporting, Fraud alerts, Security freezes
AI Analysis
CFPB complaint 19161298 was filed against Experian Information Solutions Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Problem with fraud alerts or security freezes". A consumer in New York is experiencing issues with fraud alerts or security freezes on their Experian credit report, and the complaint is currently in progress. The complaint was received on January 31, 2026 from New York. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should ensure they have documented all interactions with Experian regarding the fraud alert or security freeze and be prepared to provide this documentation if the issue is not resolved.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including provisions for fraud alerts and security freezes.
Regulatory Insight
This complaint highlights the importance of credit bureaus effectively implementing and managing security freeze requests as mandated by federal law.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In New York, consumers have specific rights regarding credit freezes and fraud alerts under state law, which may supplement federal protections.
Industry Comparison
Experian, like other major credit bureaus, faces scrutiny over its handling of security freezes and fraud alerts, with varying complaint volumes and resolution rates across the industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161298 about?
CFPB complaint 19161298 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Problem with fraud alerts or security freezes". This complaint was filed against Experian Information Solutions Inc. on January 31, 2026.
Which company is complaint 19161298 filed against?
Complaint 19161298 was filed against Experian Information Solutions Inc.. You can view all complaints against this company on their profile page at /company/experian-information-solutions-inc.
What was the company's response to complaint 19161298?
Experian Information Solutions Inc. responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19161298 filed?
Complaint 19161298 was received by the CFPB on January 31, 2026. It was sent to Experian Information Solutions Inc. on February 1, 2026.
What state was complaint 19161298 filed from?
Complaint 19161298 was filed from New York. You can view all complaints from this state at /state/NY.
Was the consumer satisfied with the resolution of complaint 19161298?
Dispute information is not available for complaint 19161298.
What product category is complaint 19161298 about?
Complaint 19161298 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 19161298 submitted?
Complaint 19161298 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161298?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reports, including provisions for fraud alerts and security freezes. This relates to a Credit reporting or other personal consumer reports complaint against Experian Information Solutions Inc. involving "Problem with fraud alerts or security freezes".
How likely is complaint 19161298 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161298?
This complaint is rated as medium risk. The issue involves a security freeze on a credit report, which can have significant implications for identity theft protection and access to credit.
What regulatory actions apply to complaint 19161298?
This complaint highlights the importance of credit bureaus effectively implementing and managing security freeze requests as mandated by federal law. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 19161298?
Consumers should ensure they have documented all interactions with Experian regarding the fraud alert or security freeze and be prepared to provide this documentation if the issue is not resolved.
Are there state-specific protections for complaint 19161298?
In New York, consumers have specific rights regarding credit freezes and fraud alerts under state law, which may supplement federal protections. This complaint was filed from New York.
How does complaint 19161298 compare to industry norms?
Experian, like other major credit bureaus, faces scrutiny over its handling of security freezes and fraud alerts, with varying complaint volumes and resolution rates across the industry.
What are the typical timelines for Experian to resolve issues related to security freezes or fraud alerts?
While specific timelines can vary, the FCRA outlines certain requirements for credit bureaus to respond to consumer requests. The CFPB's complaint data can offer insights into average resolution times for similar issues.
What steps can a consumer take if Experian fails to properly implement a security freeze or address fraud alert issues?
If Experian does not resolve the issue, the consumer can escalate the complaint to the CFPB, file a complaint with their state Attorney General, or consider legal action under the FCRA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.