Credit reporting, credit repair services, or other personal consumer reports -- Problem with fraud alerts or security freezes -- Complaint #5263288
Complaint Overview
Complaint ID: 5263288
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: Georgia
ZIP Code: 30345
Date Received: 2022-02-26T12:00:00-05:00
Date Sent to Company: 2022-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I attempted to freeze my credit report with Experian today. I first registered with their website, and the process included verifying my identity. I was able to do this successfully and access my credit report. However, there was no way to " freeze '' my credit from within the account, only to PAY to " lock '' credit. Through an internet search, I found a separate location on www.experian.com, outside of my " Experian account '', where I could submit a " freeze '' request. I entered the same identifying information that Experian accepted just moments earlier for me to establish my account, yet my request was denied and I was asked to send information by mail. Clearly, they are hoping users pay to " lock '' credit rather than using the free credit freeze. I strongly suspect that this is a deliberate attempt by Experian to prevent consumers from freezing their credit as the law allows.
Frequently Asked Questions
What is Complaint #5263288 about?
Complaint #5263288 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 2022-02-26T12:00:00-05:00.
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.