VIA UPS No.

1Z64589FP297594841

November 28, 2015

The Honorable Richard Cordray, Director

Consumer Finance Protection Bureau
1700 G Street, NW
Washington, DC 20552

Cc: Experian, 475 Anton Blvd., Costa Mesa, CA

Cc: Experian, 955 American Lane, Schaumburg, IL
Cc: Annual Credit Report Request Service

Dear Hon. Director Cordray:

On November 27, 2015 Experian refused to provide my annual credit report online, and provided
the enclosed notice that states:
A condition exists that prevents Experian from being able to accept your request at this
time. To obtain your Experian annual credit report, please mail your request to the
address below using the Annual Credit Report Request form.
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
It appears Experian is not registered with the Florida Department of State, Division of
Corporations, as required by law. Experian is regulated by the Fair Credit Reporting Act
(FCRA). The Fair and Accurate Credit Transactions Act of 2003, signed into law in 2003,
amended the FCRA to require the credit reporting companies to provide consumers with one free
copy of their credit report per 12-month period. The Experian website provided two addresses:
Experian
475 Anton Blvd.
Costa Mesa, CA 92626

Experian
955 American Lane
Schaumburg, IL 60173

Wikipedia shows Experian plc is a global information services group with operations in 40
countries, with corporate headquarters in Dublin, Republic of Ireland...
https://en.wikipedia.org/wiki/Experian
Equifax provided my annual credit report online, after quickly resolving a password issue, see
enclosed the Equifax email. Experian has refused to correct the issue blocking my online access.
I request Experian provide my annual credit report online immediately. Due to my disability,
Experians mailed credit report is a burden; it is time consuming to scan a paper report to PDF
files; and it is onerous to send by US Mail disputes in paper, with costly postage, and receive
paper responses by US Mail, all of which must be scanned to PDF files. Experians response is
an unlawful denial of my annual credit report online, and disability discrimination. Thank you.
Sincerely,

Neil J. Gillespie
8092 SW 115th Loop
Ocala, Florida 34481

Email: neilgillespie@mfi.net
Tel. 352-854-7807

Enclosures

https://www.annualcreditreport.com/requestReport/processCRA.action

A condition exists that prevents Experian from being able to accept your request at this time.
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Get your next report or finish >

11/27/2015 3:10 AM

Page 1 of 1

Neil Gillespie
From:
To:
Sent:
Subject:

<Member.Benefits@equifax.com>
<neilgillespie@mfi.net>
Friday, November 27, 2015 9:42 PM
Equifax Personal Solutions Login Help

You are receiving this e-mail because your Equifax Personal Solutions password has been changed.
Your user ID is neilgillespie@mfi.net. IF YOU DID NOT INITIATE THIS TRANSACTION, PLEASE
CALL Equifax Customer Care Team.
Please call us at 1-866-640-CARE (1-866-640-2273), 7 days a week between the hours of 8:00am 3:00am Eastern Time Zone. You may e-mail us anytime at customer.care@equifax.com. Or you may
write us at Equifax Consumer Services, Inc. PO Box 105496, Atlanta, GA 30348.
Use the link below to login. Your user ID and password are case sensitive, so be sure to enter them
exactly as you created them.
http://myservices.equifax.com/login
As always, thank you for your business. We look forward to assisting you.
Your Equifax Customer Care Team.

11/27/2015