Credit reporting, credit repair services, or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #4658925
Complaint Overview
Complaint ID: 4658925
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with fraud alerts or security freezes
State: Washington
ZIP Code: 98391
Date Received: 2021-08-24T12:00:00-05:00
Date Sent to Company: 2021-08-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, I attempted to freeze my credit via Experian. The US FTC XXXX XXXX XXXX XXXX XXXX at https : XXXX ) indicated that this would be a free service. Summary : Experian appears to intentionally force consumers into buying their paid credit lock service. Specific problems : 1 ) Experian has a " Credit Lock '' service, which is paid ( see https : XXXX ). In small print, the Credit Lock site says that the service is separate from Experian 's credit lock ( Security Freeze ) request site. ( see https : //XXXX ). It seems to be a 'bait and switch ' 2 ) After completing the online request form on Experian 's Security Freeze site ( https : XXXX ), including my social security number, I was presented with an error message that said I was missing my SSN ( but I entered it, using the option to see the entry I was making ). I believe the error message was intentional 3 ) Experian requires a written request to a Texas XXXX XXXX address. While my request is all about preserving security, Experian offers no guarantee that this process is secure 4 ) Experian offers an automated phone tree ( IVR ) which requests identifying information ( SSN, 1st digits of street address, zip code ) and then presents an error message. There is no option to speak with anyone.
Frequently Asked Questions
What is Complaint #4658925 about?
Complaint #4658925 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with fraud alerts or security freezes. It was received by the CFPB on 2021-08-24T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.