{"took":101,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15259,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4506203","_score":12.579308,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I wan na help Equifax understand how to properly investigate and complete an investigation pursuant to FEDERAL LAW 15 USC 1681a ( e ) The term investigative consumer report means a CONSUMER REPORT or portion thereof in which information on a consumers CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. \n\nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. \n\nEquifax needs to INTERVIEW my neighbors about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. \nEquifax needs to INTERVIEW my friends about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. \nEquifax needs to INTERVIEW my associates or acquaintance 's about my CHARACTER, GENERAL REPUTATION, personal characteristics, or mode of living. \n\nEquifax has Fraudulently reported an alleged bankruptcy on my consumer report, so I'm asking them to investigate where they got this bankruptcy information from? Equifax has now seen how to properly investigate a consumer report pursuant to 15 USC 1681a ( e ). Lets hope they dont break federal law again.","date_sent_to_company":"2021-07-01T06:01:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92530","tags":null,"has_narrative":true,"complaint_id":"4506203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-01T01:45:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The term <em>consumer</em> <em>report</em> means any written, oral, or <em>other</em> communication of any information by a <em>consumer</em> <em>reporting</em> agency bearing on a <em>consumers</em> credit worthiness, credit standing, credit capacity, CHARACTER, GENERAL REPUTATION, <em>personal</em> characteristics, or mode of living. \n\nEquifax needs to INTERVIEW my neighbors <em>about</em> my CHARACTER, GENERAL REPUTATION, <em>personal</em> characteristics, or mode of living."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.579308,"4506203"]},{"_index":"complaint-public-v1","_id":"9281794","_score":12.504641,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S. Code 1681a is a section of the U.S. Code that makes it illegal to report late payments to a consumer 's credit report. The code also defines a \" consumer report '' as any written, oral, or other communication that contains information about a consumer 's creditworthiness, credit standing, or other personal characteristics.","date_sent_to_company":"2024-06-18T03:04:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55447","tags":null,"has_narrative":true,"complaint_id":"9281794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST TECHNOLOGY FEDERAL CREDIT UNION","date_received":"2024-06-18T02:53:07.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Code that makes it illegal to <em>report</em> late payments to a <em>consumer</em> 's credit <em>report</em>. The code also defines a \" <em>consumer</em> <em>report</em> '' as any written, oral, or <em>other</em> communication that contains information <em>about</em> a <em>consumer</em> 's creditworthiness, credit standing, or <em>other</em> <em>personal</em> characteristics."],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.504641,"9281794"]},{"_index":"complaint-public-v1","_id":"5052219","_score":12.37156,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was not given the opportunity to opt out of my personal information being shared with the credit bureaus. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that data furnishers reflects the terms and liability for the account or other relationship : reflects the consumers performance and other conduct with respect to the account or other relationship : and identifies the appropriate consumer. \n\nBased on the findings in my consumer report NAVY FEDRAL has been reporting inaccurately since XX/XX/2021. NAVY FEDRAL is reporting different payment dates and account opening dates to each credit bureau.\n\n( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living","date_sent_to_company":"2021-12-29T16:23:02.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"207XX","tags":null,"has_narrative":true,"complaint_id":"5052219","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-12-29T14:54:25.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( d ) Integrity means that information that a furnisher provides to a <em>consumer</em> <em>reporting</em> agency <em>about</em> an account or <em>other</em> relationship with the <em>consumer</em> : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a <em>consumer</em> <em>report</em> ; and ( 3 ) Includes the information in the furnisher 's possession <em>about</em> the account or <em>other</em> relationship"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[12.37156,"5052219"]},{"_index":"complaint-public-v1","_id":"4844631","_score":12.276516,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX 's privacy has been continuously violated. LEXISNEXIS has lied to me about verifying information that can not be verified. LEXISNEXIS did not conduct an investigation of consumers dispute pursuant to 15 USC 1681 ( a ) ( e ). [ The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. ]. Who was questioned about consumers \" GENERAL REPUTATION, PERSONAL CHARACTERISTICS. what neighbors where interviewed? LEXISNEXIS is lying and knowingly and willingly violating consumers federally protected rights.","date_sent_to_company":"2021-10-26T16:15:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"4844631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-10-26T15:49:48.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["LEXISNEXIS did not conduct an investigation of <em>consumers</em> dispute pursuant to 15 USC 1681 ( a ) ( e ). [ The term investigative <em>consumer</em> <em>report</em> means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of"],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[12.276516,"4844631"]},{"_index":"complaint-public-v1","_id":"5879764","_score":12.215578,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently reviewed my consumer report and noticed some unauthorized accounts on my consumer report. TRANSUNION ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to 15 U.S. Code 1681 ( a ) ( 3 ). TRANSUNION assumed the role WITHOUT my written permission nor consent. TRANSUNION did not respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). There is a need to insure that TRANSUNION exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. TRANSUNION did not exercise their grave responsibilities. TRANSUNION is unfair, partial, and disrespecting my right to privacy by reporting the current information TRANSUNION have on file about me.\n\nLately I have filed several complaints and mailed several correspondences to TRANSUNION about my consumer report/file and TRANSUNION dishonored my demands as for deleting the information TRANSUNION reports about me. TRANSUNION NEVER HAD PERMISIIBLE PURPOSE TO REPORT ANYTHING ABOUT ME IN THE FIRST PLACE!! Pursuant to 15 U.S. Code 1681b ( 2 ) TRANSUNION may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. TRANSUNION HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A CONSUMER REPORT ABOUT ME!! \n\nNOT ONLY DID TRANSUNION HAVE NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ABOUT ME, TRANSUNION DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT ME TO ANYONE. THE CREDITORS/DATA FURNISHERS THAT TRANSUNION RECEIVED NONPUBLIC PERSONAL INFORMATION ABOUT ME DO NOT HAVE MY CONSENT TO SHARE ANY OF MY NONPUBLIC PERSONAL INFORMATION TO ANYONE ( REGARDLESS OF ACCURACY ) WHICH IS AN INVASION OF MY PRIVACY AND A VIOLATION OF THE GLB ACT AND CRIME UNDER 18 USC.\n\n1 ) TRANSUNION should not even have any information about me in the first place because I never gave consent to any information about me being shared to TRANSUNION nor was I given the option to opt out of my nonpublic personal information to be shared with any nonaffiliated third party which is required by law. 2 ) TRANSUNION NEVER communicated with me about any information that TRANSUNION reported about me on my consumer report in their initial investigation. 3 ) When I disputed information on my consumer report and TRANSUNION so called verified the information as accurate, TRANSUNION did not provide me the description of their method of verification as I demanded in previous correspondence to TRANSUNION as TRANSUNION is required to do pursuant to the FCRA. TRANSUNION 's re-investigation was unlawful pursuant to what an investigative consumer report is and what is included/excluded in an investigative consumer report. 4 ) I sent correspondence to TRANSUNION to delete the information they report about me and mentioning that the information TRANSUNION reported about me was inaccurate and showing TRANSUNION that the information they reported was inconsistent with what other consumer reporting agencies reported about me.\n\nTRANSUNION IS UNLAWFULLY FURNISHING REPORTS ABOUT ME THAT DAMAGES MY REPUTATION. TRANSUNION IS USING MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT, IN AN ADVERSE MANNER TO ME, THAT DAMAGES ME MENTALLY, FINANCIALLY, EMOTIONALLY, DOES NOT BENEFIT ME BUT BENEFITS TRANSUNION FINANCIALLY, which is fraud and aggravated identity theft which is crime under 18 USC!!\n\nI DEMAND THAT ALL INFORMATION ( INCLUDING PROMOTIONAL INQUIRIES ) THAT TRANSUNION REPORTS ABOUT ME BE DELETED IMMIDIATELY!!!!!!!!!!!!!\n\nPeace, love, and prosperity to the reader of this complaint.","date_sent_to_company":"2022-08-15T19:59:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"5879764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-15T18:31:45.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 1681b ( 2 ) TRANSUNION may furnish a <em>consumer</em> <em>report</em> under the following circumstances and no <em>other</em> : In accordance with the written instructions of the <em>consumer</em> to whom it relates. TRANSUNION HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A <em>CONSUMER</em> <em>REPORT</em> <em>ABOUT</em> ME!! \n\nNOT ONLY DID TRANSUNION HAVE NO PERMISSIBLE PURPOSE TO FURNISH A <em>CONSUMER</em> <em>REPORT</em> <em>ABOUT</em> ME, TRANSUNION DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC <em>PERSONAL</em> INFORMATION <em>ABOUT</em> ME TO ANYONE."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.215578,"5879764"]},{"_index":"complaint-public-v1","_id":"5932901","_score":12.141154,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently reviewed my consumer report and noticed some unauthorized accounts on my consumer report. INNOVIS ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to 15 U.S. Code 1681 ( a ) ( 3 ). INNOVIS assumed the role WITHOUT my written permission nor consent. INNOVIS did not respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). There is a need to insure that INNOVIS exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. INNOVIS did not exercise their grave responsibilities. INNOVIS is unfair, partial, and disrespecting my right to privacy by reporting the current information INNOVIS have on file about me. INNOVIS NEVER HAD PERMISIIBLE PURPOSE TO REPORT ANYTHING ABOUT ME IN THE FIRST PLACE!! Pursuant to 15 U.S. Code 1681b ( 2 ) INNOVIS may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. INNOVIS HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A CONSUMER REPORT ABOUT ME!! NOT ONLY DID INNOVIS HAVE NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ABOUT ME, INNOVIS DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT ME TO ANYONE. THE CREDITORS/DATA FURNISHERS THAT INNOVIS RECEIVED NONPUBLIC PERSONAL INFORMATION ABOUT ME DO NOT HAVE MY CONSENT TO SHARE ANY OF MY NONPUBLIC PERSONAL INFORMATION TO ANYONE ( REGARDLESS OF ACCURACY ) WHICH IS AN INVASION OF MY PRIVACY AND A VIOLATION OF THE GLB ACT AND CRIME UNDER 18 USC. 1 ) INNOVIS should not even have any information about me in the first place because I never gave consent to any information about me being shared to INNOVIS nor was I given the option to opt out of my nonpublic personal information to be shared with any nonaffiliated third party which is required by law. 2 ) INNOVIS NEVER communicated with me about any information that INNOVIS reported about me on my consumer report in their initial investigation. \nINNOVIS IS UNLAWFULLY FURNISHING REPORTS ABOUT ME THAT DAMAGES MY REPUTATION. INNOVIS IS USING MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT, IN AN ADVERSE MANNER TO ME, THAT DAMAGES ME MENTALLY, FINANCIALLY, EMOTIONALLY, DOES NOT BENEFIT ME BUT BENEFITS INNOVIS FINANCIALLY, which is fraud and aggravated identity theft which is crime under 18 USC!! I DEMAND THAT ALL INFORMATION ( INCLUDING PROMOTIONAL INQUIRIES ) THAT INNOVIS REPORTS ABOUT ME BE DELETED IMMIDIATELY!!!!!!!!!!!!! Peace, love, and prosperity to the reader of this complaint. I DEMAND A RESPONSE FROM YOU WITHIN 15 DAYS UPON RECEIPT OF THIS COMPLAINT!! \n\nATTACHED IS A RECENT COPY OF MY CONSUMER REPORT AND PROPER IDENTIFICATION","date_sent_to_company":"2022-08-30T18:09:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19141","tags":null,"has_narrative":true,"complaint_id":"5932901","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2022-08-30T17:44:18.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["INNOVIS HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A <em>CONSUMER</em> <em>REPORT</em> <em>ABOUT</em> ME!! NOT ONLY DID INNOVIS HAVE NO PERMISSIBLE PURPOSE TO FURNISH A <em>CONSUMER</em> <em>REPORT</em> <em>ABOUT</em> ME, INNOVIS DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC <em>PERSONAL</em> INFORMATION <em>ABOUT</em> ME TO ANYONE."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[12.141154,"5932901"]},{"_index":"complaint-public-v1","_id":"5672437","_score":12.082688,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I called Experian and spoke with multiple representatives which was on a recorded line courtesy of Experian speaking about how I have a right to privacy as a consumer to have the personal information removed when I was denied assistance and my consumer rights were violated. I also filed a complaint on the CFPB website on XX/XX/2022, in regard to getting my personal information updated by removing the inaccurate addresses on the personal info. I was informed that I must have a specific disputes about this inaccurate information, so I filed and attached an FTC report stating how those addresses and other information on my consumer report is incorrect. I also attached an updated copy of my notice in regards of the inaccurate information that was furnished on my consumer report with the specific disputes. Its Experian duty to provide accurate and fair information on my consumer report. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer.","date_sent_to_company":"2022-06-15T11:36:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19103","tags":null,"has_narrative":true,"complaint_id":"5672437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-15T10:48:40.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I was informed that I must have a specific disputes <em>about</em> this inaccurate information, so I filed and attached an FTC <em>report</em> stating how those addresses and <em>other</em> information on my <em>consumer</em> <em>report</em> is incorrect. I also attached an updated copy of my notice in regards of the inaccurate information that was furnished on my <em>consumer</em> <em>report</em> with the specific disputes. Its Experian duty to provide accurate and fair information on my <em>consumer</em> <em>report</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Personal</em> information incorrect"]},"sort":[12.082688,"5672437"]},{"_index":"complaint-public-v1","_id":"5965805","_score":11.962611,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 3rd and final time disputing this report and inaccurate information remains on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But according to Thr FCR ACT Investigative Consumer Reports. Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report.\n\n5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA.\n\n6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. \n7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. \nProcedures. Given the preponderance of electronically available information and the growth of identity theft, a user should manage the risks associated with obtaining and using consumer reports. Users should employ procedures, controls, or other safeguards to ensure that they obtain and use consumer reports only in situations for which there are permissible.","date_sent_to_company":"2022-09-09T13:02:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33971","tags":null,"has_narrative":true,"complaint_id":"5965805","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-09T13:02:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This type of <em>consumer</em> <em>report</em> contains information <em>about</em> a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living obtained in whole or in part through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em>. If a user, such as a financial institution, procures an investigative <em>consumer</em> <em>report</em>, or causes the preparation of one, the user institution must meet the following requirements : 4."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.962611,"5965805"]},{"_index":"complaint-public-v1","_id":"5965804","_score":11.962611,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my 3rd and final time disputing this report and inaccurate information remains on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. But according to Thr FCR ACT Investigative Consumer Reports. Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report.\n\n5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA.\n\n6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. \n7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. \nProcedures. Given the preponderance of electronically available information and the growth of identity theft, a user should manage the risks associated with obtaining and using consumer reports. Users should employ procedures, controls, or other safeguards to ensure that they obtain and use consumer reports only in situations for which there are permissible.","date_sent_to_company":"2022-09-09T13:02:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33971","tags":null,"has_narrative":true,"complaint_id":"5965804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-09T13:02:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This type of <em>consumer</em> <em>report</em> contains information <em>about</em> a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living obtained in whole or in part through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em>. If a user, such as a financial institution, procures an investigative <em>consumer</em> <em>report</em>, or causes the preparation of one, the user institution must meet the following requirements : 4."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.962611,"5965804"]},{"_index":"complaint-public-v1","_id":"6503048","_score":11.711306,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted XXXXXXXX XXXX  about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. \n\nIf this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. \n( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.\n\nHow could you guys be so careless when reporting this information about me this really hurt me and my business.\n\nShow me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.\n\nAnd please have integrity about this account.\n\nIntegrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.","date_sent_to_company":"2023-01-29T18:02:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85018","tags":"Servicemember","has_narrative":true,"complaint_id":"6503048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-29T18:02:02.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["( a ) Accuracy means that information that a furnisher provides to a <em>consumer</em> <em>reporting</em> agency <em>about</em> an account or <em>other</em> relationship with the <em>consumer</em> correctly : ( 1 ) Reflects the terms of and liability for the account or <em>other</em> relationship ; ( 2 ) Reflects the <em>consumer</em> 's performance and <em>other</em> conduct with respect to the account or <em>other</em> relationship ; and ( 3 ) Identifies the appropriate <em>consumer</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.711306,"6503048"]},{"_index":"complaint-public-v1","_id":"6503023","_score":11.706171,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted XXXXXXXX XXXX about the negative and defaming information starting XX/XX/XXXX. I went to go get a loan from my local bank and I've been informed that I have bad credit and couldnt get it. I checked my report and seen that the XXXX XXXX account is reporting inaccuracies about me on my credit report. I am highly upset. \n\nIf this account is going to remain on my credit report I challenge the accuracy and validity of your reporting company. \n( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.\n\nHow could you guys be so careless when reporting this information about me this really hurt me and my business.\n\nShow me the reasonable policies and procedures concerning the accuracy and integrity of furnished information of this account please.\n\nAnd please have integrity about this account.\n\nIntegrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.","date_sent_to_company":"2023-01-29T18:01:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85018","tags":"Servicemember","has_narrative":true,"complaint_id":"6503023","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-29T17:22:32.000Z","state":"AZ","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":["( a ) Accuracy means that information that a furnisher provides to a <em>consumer</em> <em>reporting</em> agency <em>about</em> an account or <em>other</em> relationship with the <em>consumer</em> correctly : ( 1 ) Reflects the terms of and liability for the account or <em>other</em> relationship ; ( 2 ) Reflects the <em>consumer</em> 's performance and <em>other</em> conduct with respect to the account or <em>other</em> relationship ; and ( 3 ) Identifies the appropriate <em>consumer</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.706171,"6503023"]},{"_index":"complaint-public-v1","_id":"5429044","_score":11.699842,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, I, the consumer, am making a direct dispute to the companies listed. I am challenging the INTEGRITY and ACCURACY of all the adverse information listed in the attached letters and identity theft report. Please provide me with written disclosures of who you corresponded with about this dispute. Please be aware of the definition of investigative consumer report. 15 U.S. CODE 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX CFR XXXX ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and 12 CFR 10222.43 ( a ) General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; ( 2 ) The terms of a credit account or other debt with the furnisher, such as direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; ( 3 ) The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or ( 4 ) Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S. CODE 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.","date_sent_to_company":"2022-04-10T16:58:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"5429044","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-10T16:21:39.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CODE 1681a ( e ), The term investigative <em>consumer</em> <em>report</em> means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.699842,"5429044"]},{"_index":"complaint-public-v1","_id":"5429042","_score":11.699842,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, I, the consumer, am making a direct dispute to the companies listed. I am challenging the INTEGRITY and ACCURACY of all the adverse information listed in the attached letters and identity theft report. Please provide me with written disclosures of who you corresponded with about this dispute. Please be aware of the definition of investigative consumer report. 15 U.S. CODE 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and 12 CFR 10222.43 ( a ) General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; ( 2 ) The terms of a credit account or other debt with the furnisher, such as direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; ( 3 ) The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or ( 4 ) Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S. CODE 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.","date_sent_to_company":"2022-04-10T16:58:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"5429042","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-10T16:58:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CODE 1681a ( e ), The term investigative <em>consumer</em> <em>report</em> means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.699842,"5429042"]},{"_index":"complaint-public-v1","_id":"5429045","_score":11.687593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, I, the consumer, am making a direct dispute to the companies listed. I am challenging the INTEGRITY and ACCURACY of all the adverse information listed in the attached letters and identity theft report. Please provide me with written disclosures of who you corresponded with about this dispute. Please be aware of the definition of investigative consumer report. 15 U.S. CODE 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and 12 CFR 10222.43 ( a ) General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; ( 2 ) The terms of a credit account or other debt with the furnisher, such as direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; ( 3 ) The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or ( 4 ) Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S. CODE 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.","date_sent_to_company":"2022-04-10T16:58:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"5429045","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-04-10T16:58:32.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["CODE 1681a ( e ), The term investigative <em>consumer</em> <em>report</em> means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.687593,"5429045"]},{"_index":"complaint-public-v1","_id":"6149703","_score":11.68128,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE OF DEFAULT AND OPORTUNITY TO CURE To : XXXX, XXXX and XXXX I have requested several times now to the above-mentioned Credit Reporting Agencys to remove the following XXXX XXXX  Bankruptcy for my consumer report. I Have given you more than 30 days to do so. \nUnder the Federal Consumer credit Protected rights I have the right to privacy and confidentiality which you have decided to continuously violate despite multiple written requests.\n\n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nThe law states that CRA assume the role they are not required, but you must respect the right for a Consumers right to privacy and I decide what is private to me. \nYou have caused me defamation of character and multiple violations and adverse actions taken against me due to your unlawful practices.\n\nUnder Arizona Revised Statue SB 1614 XXXX XXXX CONSUMER DATA PRIVACY ARTICLE 1. GENERAL PROVISIONS STATES THAT E. A CONSUMER MAY REQUEST THAT A BUSINESS DELETE ANY PERSONAL INFORMATION ABOUT THE CONSUMER THAT THE BUSINESS HAS COLLECTED FROM THE CONSUMER. A BUSINESS THAT COLLECTS PERSONAL INFORMATION ABOUT CONSUMERS SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE CONSUMER 'S RIGHTS TO REQUEST THE DELETION OF THE CONSUMER 'S PERSONAL INFORMATION. A BUSINESS THAT RECEIVES A VERIFIABLE REQUEST FROM A CONSUMER TO DELETE THE CONSUMER 'S PERSONAL INFORMATION SHALL DELETE THE CONSUMERS PERSONAL INFORMATION FROM ITS RECORDS AND DIRECT ANY SERVICE PROVIDERS TO DELETE THE CONSUMER 'S PERSONAL INFORMATION FROM THEIR RECORDS. \nF. A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT A CONSUMER OR THAT DISCLOSES A CONSUMER 'S PERSONAL INFORMATION FOR A BUSINESS PURPOSE SHALL DISCLOSE THE INFORMATION SPECIFIED IN SUBSECTION E OF THIS SECTION TO THE CONSUMER ON RECEIPT OF A VERIFIABLE REQUEST FROM THE CONSUMER. A THIRD PARTY MAY NOT SELL PERSONAL INFORMATION ABOUT A CONSUMER THAT HAS BEEN SOLD TO THE THIRD PARTY BY A BUSINESS UNLESS THE CONSUMER HAS RECEIVED EXPLICIT NOTICE AND IS PROVIDED AN OPPORTUNITY TO EXERCISE THE RIGHT TO OPT OUT.\n\nG. A CONSUMER, AT ANY TIME, MAY DIRECT A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT THE CONSUMER TO THIRD PARTIES NOT TO SELL THE CONSUMER 'S PERSONAL INFORMATION. THIS RIGHT MAY BE REFERRED TO AS THE RIGHT TO OPT OUT. \n\nO. ANY CONSUMER WHOSE NONENCRYPTED OR NONREDACTED PERSONAL INFORMATION IS SUBJECT TO AN UNAUTHORIZED ACCESS AND EXFILTRATION, THEFT OR DISCLOSURE AS A RESULT OF A BUSINESS 'S VIOLATION OF THE DUTY TO IMPLEMENT AND MAINTAIN REASONABLE SECURITY PROCEDURES AND PRACTICES APPROPRIATE TO THE NATURE OF THE INFORMATION TO PROTECT THE PERSONAL INFORMATION MAY INSTITUTE A CIVIL ACTION FOR ANY OF THE FOLLOWING : 1. RECOVERY OF DAMAGES IN AN AMOUNT OF AT LEAST {$100.00} AND NOT MORE THAN {$750.00} PER CONSUMER PER INCIDENT OR ACTUAL DAMAGES, WHICHEVER IS GREATER.\n\n2. INJUNCTIVE OR DECLARATORY RELIEF.\n\n3. ANY OTHER RELIEF THE COURT DEEMS PROPER.\n\nP. IN ASSESSING THE AMOUNT OF STATUTORY DAMAGES, THE COURT SHALL CONSIDER ANY ONE OR MORE OF THE RELEVANT CIRCUMSTANCES PRESENTED BY ANY OF THE PARTIES TO THE CASE, INCLUDING THE NATURE AND SERIOUSNESS OF THE MISCONDUCT, THE NUMBER OF VIOLATIONS, THE PERSISTENCE OF THE MISCONDUCT, THE LENGTH OF TIME OVER WHICH THE MISCONDUCT OCCURRED, THE WILFULNESS OF THE DEFENDANT 'S MISCONDUCT AND THE DEFENDANT 'S ASSETS, LIABILITIES AND NET WORTH. A CONSUMER MAY BRING AN ACTION PURSUANT TO THIS SECTION IF, BEFORE INITIATING ANY ACTION AGAINST A BUSINESS FOR STATUTORY DAMAGES ON AN INDIVIDUAL OR CLASS-WIDE BASIS, THE CONSUMER PROVIDES A BUSINESS THIRTY DAYS ' WRITTEN NOTICE THAT IDENTIFIES THE SPECIFIC PROVISIONS OF THIS SECTION THE CONSUMER ALLEGES HAVE BEEN OR ARE BEING VIOLATED. IF A CURE IS POSSIBLE AND IF WITHIN THE THIRTY DAYS THE BUSINESS ACTUALLY CURES THE NOTICED VIOLATION AND PROVIDES THE CONSUMER AN EXPRESS WRITTEN STATEMENT THAT THE VIOLATIONS HAVE BEEN CURED AND THAT NO FURTHER VIOLATIONS WILL OCCUR, AN ACTION FOR INDIVIDUAL STATUTORY DAMAGES OR CLASS-WIDE STATUTORY DAMAGES MAY NOT BE INITIATED AGAINST THE BUSINESS. A NOTICE IS NOT REQUIRED BEFORE AN INDIVIDUAL CONSUMER INITIATES AN ACTION SOLELY FOR ACTUAL PECUNIARY DAMAGES SUFFERED AS A RESULT OF THE ALLEGED VIOLATIONS OF THIS SECTION. IF A BUSINESS CONTINUES TO VIOLATE THIS SECTION IN BREACH OF THE EXPRESS WRITTEN STATEMENT PROVIDED TO THE CONSUMER UNDER THIS SECTION, THE CONSUMER MAY INITIATE AN ACTION AGAINST THE BUSINESS TO ENFORCE THE WRITTEN STATEMENT AND MAY PURSUE STATUTORY DAMAGES FOR EACH BREACH OF THE EXPRESS WRITTEN STATEMENT, AS WELL AS ANY OTHER VIOLATION OF THIS SECTION THAT POSTDATES THE WRITTEN STATEMENT. ANY BUSINESS OR THIRD PARTY MAY SEEK THE OPINION OF THE ATTORNEY GENERAL FOR GUIDANCE ON HOW TO COMPLY WITH THIS SECTION. A BUSINESS IS IN VIOLATION OF THIS SECTION IF THE BUSINESS FAILS TO CURE ANY ALLEGED VIOLATION WITHIN THIRTY DAYS AFTER BEING NOTIFIED OF ALLEGED NONCOMPLIANCE. ANY BUSINESS, SERVICE PROVIDER OR OTHER PERSON THAT VIOLATES THIS SECTION IS LIABLE FOR A CIVIL PENALTY IN A CIVIL ACTION BROUGHT IN THE NAME OF THIS STATE BY THE ATTORNEY GENERAL OF UP TO {$7500.00} FOR EACH VIOLATION.\n\nQ. THE REGULATION OF CONSUMER DATA PRIVACY IS OF STATEWIDE CONCERN. THIS SECTION SUPERSEDES AND PREEMPTS ALL REGULATION OF CONSUMER DATA PRIVACY AND IS NOT SUBJECT TO FURTHER REGULATION BY A COUNTY, CITY, TOWN OR OTHER POLITICAL SUBDIVISION OF THIS STATE.\n\nR. FOR THE PURPOSES OF THIS SECTION : 1. \" BUSINESS '' MEANS A SOLE PROPRIETORSHIP, PARTNERSHIP, LIMITED LIABILITY COMPANY, CORPORATION, ASSOCIATION OR OTHER LEGAL ENTITY THAT IS ORGANIZED OR OPERATED FOR THE PROFIT OR FINANCIAL BENEFIT OF ITS SHAREHOLDERS OR OTHER OWNERS, THAT COLLECTS CONSUMERS ' PERSONAL INFORMATION, OR ON THE BEHALF OF WHICH SUCH INFORMATION IS COLLECTED AND THAT ALONE, OR JOINTLY WITH OTHERS, DETERMINES THE PURPOSES AND MEANS OF PROCESSING CONSUMERS ' PERSONAL INFORMATION, THAT DOES BUSINESS IN THIS STATE AND THAT SATISFIES ONE OR MORE OF THE FOLLOWING THRESHOLDS : ( a ) HAS ANNUAL GROSS REVENUES IN EXCESS OF {>= $1,000,000}.\n\n( b ) ALONE OR IN COMBINATION, ANNUALLY BUYS, RECEIVES FOR THE BUSINESS ' COMMERCIAL PURPOSES, SELLS OR SHARES FOR COMMERCIAL PURPOSES, ALONE OR IN COMBINATION, THE PERSONAL INFORMATION OF FIFTY THOUSAND OR MORE CONSUMERS, HOUSEHOLDS OR DEVICES.\n\n( c ) DERIVES FIFTY PERCENT OR MORE OF ITS ANNUAL REVENUES FROM SELLING CONSUMERS ' PERSONAL INFORMATION.\n\n2. \" PERSONAL INFORMATION '' : ( a ) MEANS INFORMATION THAT IDENTIFIES, RELATES TO, DESCRIBES, IS CAPABLE OF BEING ASSOCIATED WITH OR COULD REASONABLY BE LINKED, DIRECTLY OR INDIRECTLY, WITH A PARTICULAR CONSUMER OR HOUSEHOLD, INCLUDING : ( i ) IDENTIFIERS SUCH AS A REAL NAME, ALIAS, POSTAL ADDRESS, UNIQUE PERSONAL IDENTIFIER, ONLINE IDENTIFIER INTERNET PROTOCOL ADDRESS, EMAIL ADDRESS, ACCOUNT NAME, SOCIAL SECURITY NUMBER, DRIVER LICENSE NUMBER, PASSPORT NUMBER OR OTHER SIMILAR IDENTIFIER.\n\n( ii ) CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW.\n\n( iii ) COMMERCIAL INFORMATION, INCLUDING RECORDS OF PERSONAL PROPERTY, PRODUCTS OR SERVICES PURCHASED, OBTAINED OR CONSIDERED OR OTHER PURCHASING OR CONSUMING HISTORIES OR TENDENCIES.\n\nI AM ATTACHING THE FULL STATUE FOR YOUR REVIEW SO THAT YOU MAY DO YOUR DUE DILLIGANCE AND RESPECT MY RIGHTS AND PRIVACY.\n\nI AM NOW DEMANDING THAT YOU IMMEDIATELY REMOVE THE BANKRUPTCY AND ALL ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY FORM MY CONSUMER REPORT BEFORE LEGAL ACTION IS TAKE UPON YOUR AGENCY.\n\nTHIS IS YOUR LAS OPORTUNITY TO CURE. \n\n\n\n\nAlso correct my name and address on all consumer reports to reflect the following and only the following : XXXX XXXX address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX. \n\nRemove all other names alias and address for they are incorrect and expose me to identity fraud. \nI have attached my ID and Bill of proof of identity and address. \n\nLet this notice serve as an intent to sue! \n\nRespectfully submitted XXXX XXXX","date_sent_to_company":"2022-10-31T18:18:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85308","tags":null,"has_narrative":true,"complaint_id":"6149703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-31T18:18:26.000Z","state":"AZ","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":["A <em>CONSUMER</em> MAY REQUEST THAT A BUSINESS DELETE ANY <em>PERSONAL</em> INFORMATION <em>ABOUT</em> THE <em>CONSUMER</em> THAT THE BUSINESS HAS COLLECTED FROM THE <em>CONSUMER</em>. A BUSINESS THAT COLLECTS <em>PERSONAL</em> INFORMATION <em>ABOUT</em> <em>CONSUMERS</em> SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE <em>CONSUMER</em> 'S RIGHTS TO REQUEST THE DELETION OF THE <em>CONSUMER</em> 'S <em>PERSONAL</em> INFORMATION."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.68128,"6149703"]},{"_index":"complaint-public-v1","_id":"10562863","_score":11.676395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account XXXX Per the FCRA, as a Federally protected Consumer. I am now OPTING OUT of any and all Authorization I the consumer may have given you Written, Unwritten, Verbal or Non Verbal Per 15 UUSC 6802. This is effective immediately and indefinitely.\n\n15 U.S. Code 6801 - Protection of nonpublic personal information nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n16 CFR 313.1 - Purpose and scope.\n\n313.1 Purpose and scope.\n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.\n\n16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.\n\n( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.\n\n( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;","date_sent_to_company":"2024-10-24T19:01:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23607","tags":null,"has_narrative":true,"complaint_id":"10562863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-24T18:25:05.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This part governs the treatment of nonpublic <em>personal</em> information <em>about</em> <em>consumers</em> by the financial institutions listed in paragraph ( b ) of this section."],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[11.676395,"10562863"]},{"_index":"complaint-public-v1","_id":"6149704","_score":11.668457,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE OF DEFAULT AND OPORTUNITY TO CURE To : XXXX, XXXX and Transunion I have requested several times now to the above-mentioned Credit Reporting Agencys to remove the following XXXX XXXX  Bankruptcy for my consumer report. I Have given you more than 30 days to do so. \nUnder the Federal Consumer credit Protected rights I have the right to privacy and confidentiality which you have decided to continuously violate despite multiple written requests. \n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. \n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nThe law states that CRA assume the role they are not required, but you must respect the right for a Consumers right to privacy and I decide what is private to me. \nYou have caused me defamation of character and multiple violations and adverse actions taken against me due to your unlawful practices. \n\n\n\nUnder Arizona Revised Statue SB 1614 XXXX XXXX CONSUMER DATA PRIVACY ARTICLE 1. GENERAL PROVISIONS STATES THAT E. A CONSUMER MAY REQUEST THAT A BUSINESS DELETE ANY PERSONAL INFORMATION ABOUT THE CONSUMER THAT THE BUSINESS HAS COLLECTED FROM THE CONSUMER. A BUSINESS THAT COLLECTS PERSONAL INFORMATION ABOUT CONSUMERS SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE CONSUMER 'S RIGHTS TO REQUEST THE DELETION OF THE CONSUMER 'S PERSONAL INFORMATION. A BUSINESS THAT RECEIVES A VERIFIABLE REQUEST FROM A CONSUMER TO DELETE THE CONSUMER 'S PERSONAL INFORMATION SHALL DELETE THE CONSUMERS PERSONAL INFORMATION FROM ITS RECORDS AND DIRECT ANY SERVICE PROVIDERS TO DELETE THE CONSUMER 'S PERSONAL INFORMATION FROM THEIR RECORDS. \nF. A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT A CONSUMER OR THAT DISCLOSES A CONSUMER 'S PERSONAL INFORMATION FOR A BUSINESS PURPOSE SHALL DISCLOSE THE INFORMATION SPECIFIED IN SUBSECTION E OF THIS SECTION TO THE CONSUMER ON RECEIPT OF A VERIFIABLE REQUEST FROM THE CONSUMER. A THIRD PARTY MAY NOT SELL PERSONAL INFORMATION ABOUT A CONSUMER THAT HAS BEEN SOLD TO THE THIRD PARTY BY A BUSINESS UNLESS THE CONSUMER HAS RECEIVED EXPLICIT NOTICE AND IS PROVIDED AN OPPORTUNITY TO EXERCISE THE RIGHT TO OPT OUT. \nG. A CONSUMER, AT ANY TIME, MAY DIRECT A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT THE CONSUMER TO THIRD PARTIES NOT TO SELL THE CONSUMER 'S PERSONAL INFORMATION. THIS RIGHT MAY BE REFERRED TO AS THE RIGHT TO OPT OUT. \n\nO. ANY CONSUMER WHOSE NONENCRYPTED OR NONREDACTED PERSONAL INFORMATION IS SUBJECT TO AN UNAUTHORIZED ACCESS AND EXFILTRATION, THEFT OR DISCLOSURE AS A RESULT OF A BUSINESS 'S VIOLATION OF THE DUTY TO IMPLEMENT AND MAINTAIN REASONABLE SECURITY PROCEDURES AND PRACTICES APPROPRIATE TO THE NATURE OF THE INFORMATION TO PROTECT THE PERSONAL INFORMATION MAY INSTITUTE A CIVIL ACTION FOR ANY OF THE FOLLOWING : 1. RECOVERY OF DAMAGES IN AN AMOUNT OF AT LEAST {$100.00} AND NOT MORE THAN {$750.00} PER CONSUMER PER INCIDENT OR ACTUAL DAMAGES, WHICHEVER IS GREATER. \n2. INJUNCTIVE OR DECLARATORY RELIEF.\n\n3. ANY OTHER RELIEF THE COURT DEEMS PROPER.\n\nP. IN ASSESSING THE AMOUNT OF STATUTORY DAMAGES, THE COURT SHALL CONSIDER ANY ONE OR MORE OF THE RELEVANT CIRCUMSTANCES PRESENTED BY ANY OF THE PARTIES TO THE CASE, INCLUDING THE NATURE AND SERIOUSNESS OF THE MISCONDUCT, THE NUMBER OF VIOLATIONS, THE PERSISTENCE OF THE MISCONDUCT, THE LENGTH OF TIME OVER WHICH THE MISCONDUCT OCCURRED, THE WILFULNESS OF THE DEFENDANT 'S MISCONDUCT AND THE DEFENDANT 'S ASSETS, LIABILITIES AND NET WORTH. A CONSUMER MAY BRING AN ACTION PURSUANT TO THIS SECTION IF, BEFORE INITIATING ANY ACTION AGAINST A BUSINESS FOR STATUTORY DAMAGES ON AN INDIVIDUAL OR CLASS-WIDE BASIS, THE CONSUMER PROVIDES A BUSINESS THIRTY DAYS ' WRITTEN NOTICE THAT IDENTIFIES THE SPECIFIC PROVISIONS OF THIS SECTION THE CONSUMER ALLEGES HAVE BEEN OR ARE BEING VIOLATED. IF A CURE IS POSSIBLE AND IF WITHIN THE THIRTY DAYS THE BUSINESS ACTUALLY CURES THE NOTICED VIOLATION AND PROVIDES THE CONSUMER AN EXPRESS WRITTEN STATEMENT THAT THE VIOLATIONS HAVE BEEN CURED AND THAT NO FURTHER VIOLATIONS WILL OCCUR, AN ACTION FOR INDIVIDUAL STATUTORY DAMAGES OR CLASS-WIDE STATUTORY DAMAGES MAY NOT BE INITIATED AGAINST THE BUSINESS. A NOTICE IS NOT REQUIRED BEFORE AN INDIVIDUAL CONSUMER INITIATES AN ACTION SOLELY FOR ACTUAL PECUNIARY DAMAGES SUFFERED AS A RESULT OF THE ALLEGED VIOLATIONS OF THIS SECTION. IF A BUSINESS CONTINUES TO VIOLATE THIS SECTION IN BREACH OF THE EXPRESS WRITTEN STATEMENT PROVIDED TO THE CONSUMER UNDER THIS SECTION, THE CONSUMER MAY INITIATE AN ACTION AGAINST THE BUSINESS TO ENFORCE THE WRITTEN STATEMENT AND MAY PURSUE STATUTORY DAMAGES FOR EACH BREACH OF THE EXPRESS WRITTEN STATEMENT, AS WELL AS ANY OTHER VIOLATION OF THIS SECTION THAT POSTDATES THE WRITTEN STATEMENT. ANY BUSINESS OR THIRD PARTY MAY SEEK THE OPINION OF THE ATTORNEY GENERAL FOR GUIDANCE ON HOW TO COMPLY WITH THIS SECTION. A BUSINESS IS IN VIOLATION OF THIS SECTION IF THE BUSINESS FAILS TO CURE ANY ALLEGED VIOLATION WITHIN THIRTY DAYS AFTER BEING NOTIFIED OF ALLEGED NONCOMPLIANCE. ANY BUSINESS, SERVICE PROVIDER OR OTHER PERSON THAT VIOLATES THIS SECTION IS LIABLE FOR A CIVIL PENALTY IN A CIVIL ACTION BROUGHT IN THE NAME OF THIS STATE BY THE ATTORNEY GENERAL OF UP TO {$7500.00} FOR EACH VIOLATION. \nQ. THE REGULATION OF CONSUMER DATA PRIVACY IS OF STATEWIDE CONCERN. THIS SECTION SUPERSEDES AND PREEMPTS ALL REGULATION OF CONSUMER DATA PRIVACY AND IS NOT SUBJECT TO FURTHER REGULATION BY A COUNTY, CITY, TOWN OR OTHER POLITICAL SUBDIVISION OF THIS STATE.\n\nR. FOR THE PURPOSES OF THIS SECTION : 1. \" BUSINESS '' MEANS A SOLE PROPRIETORSHIP, PARTNERSHIP, LIMITED LIABILITY COMPANY, CORPORATION, ASSOCIATION OR OTHER LEGAL ENTITY THAT IS ORGANIZED OR OPERATED FOR THE PROFIT OR FINANCIAL BENEFIT OF ITS SHAREHOLDERS OR OTHER OWNERS, THAT COLLECTS CONSUMERS ' PERSONAL INFORMATION, OR ON THE BEHALF OF WHICH SUCH INFORMATION IS COLLECTED AND THAT ALONE, OR JOINTLY WITH OTHERS, DETERMINES THE PURPOSES AND MEANS OF PROCESSING CONSUMERS ' PERSONAL INFORMATION, THAT DOES BUSINESS IN THIS STATE AND THAT SATISFIES ONE OR MORE OF THE FOLLOWING THRESHOLDS : ( a ) HAS ANNUAL GROSS REVENUES IN EXCESS OF {>= $1,000,000}. \n( b ) ALONE OR IN COMBINATION, ANNUALLY BUYS, RECEIVES FOR THE BUSINESS ' COMMERCIAL PURPOSES, SELLS OR SHARES FOR COMMERCIAL PURPOSES, ALONE OR IN COMBINATION, THE PERSONAL INFORMATION OF FIFTY THOUSAND OR MORE CONSUMERS, HOUSEHOLDS OR DEVICES. \n( c ) DERIVES FIFTY PERCENT OR MORE OF ITS ANNUAL REVENUES FROM SELLING CONSUMERS ' PERSONAL INFORMATION. \n2. \" PERSONAL INFORMATION '' : ( a ) MEANS INFORMATION THAT IDENTIFIES, RELATES TO, DESCRIBES, IS CAPABLE OF BEING ASSOCIATED WITH OR COULD REASONABLY BE LINKED, DIRECTLY OR INDIRECTLY, WITH A PARTICULAR CONSUMER OR HOUSEHOLD, INCLUDING : ( i ) IDENTIFIERS SUCH AS A REAL NAME, ALIAS, POSTAL ADDRESS, UNIQUE PERSONAL IDENTIFIER, ONLINE IDENTIFIER INTERNET PROTOCOL ADDRESS, EMAIL ADDRESS, ACCOUNT NAME, SOCIAL SECURITY NUMBER, DRIVER LICENSE NUMBER, PASSPORT NUMBER OR OTHER SIMILAR IDENTIFIER. \n( ii ) CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW. \n( iii ) COMMERCIAL INFORMATION, INCLUDING RECORDS OF PERSONAL PROPERTY, PRODUCTS OR SERVICES PURCHASED, OBTAINED OR CONSIDERED OR OTHER PURCHASING OR CONSUMING HISTORIES OR TENDENCIES. \n\nI AM ATTACHING THE FULL STATUE FOR YOUR REVIEW SO THAT YOU MAY DO YOUR DUE DILLIGANCE AND RESPECT MY RIGHTS AND PRIVACY. \nI AM NOW DEMANDING THAT YOU IMMEDIATELY REMOVE THE BANKRUPTCY AND ALL ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY FORM MY CONSUMER REPORT BEFORE LEGAL ACTION IS TAKE UPON YOUR AGENCY. \nTHIS IS YOUR LAS OPORTUNITY TO CURE. \n\n\n\n\nAlso correct my name and address on all consumer reports to reflect the following and only the following : XXXX XXXX address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX. \n\nRemove all other names alias and address for they are incorrect and expose me to identity fraud. \nI have attached my ID and Bill of proof of identity and address. \n\nLet this notice serve as an intent to sue! \n\nRespectfully submitted XXXX XXXX","date_sent_to_company":"2022-10-31T18:18:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85308","tags":null,"has_narrative":true,"complaint_id":"6149704","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-31T18:18:26.000Z","state":"AZ","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":["A <em>CONSUMER</em> MAY REQUEST THAT A BUSINESS DELETE ANY <em>PERSONAL</em> INFORMATION <em>ABOUT</em> THE <em>CONSUMER</em> THAT THE BUSINESS HAS COLLECTED FROM THE <em>CONSUMER</em>. A BUSINESS THAT COLLECTS <em>PERSONAL</em> INFORMATION <em>ABOUT</em> <em>CONSUMERS</em> SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE <em>CONSUMER</em> 'S RIGHTS TO REQUEST THE DELETION OF THE <em>CONSUMER</em> 'S <em>PERSONAL</em> INFORMATION."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.668457,"6149704"]},{"_index":"complaint-public-v1","_id":"6149786","_score":11.66675,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"NOTICE OF DEFAULT AND OPORTUNITY TO CURE To : Equifax, Equifax and XXXX I have requested several times now to the above-mentioned Credit Reporting Agencys to remove the following XXXX XXXX  Bankruptcy for my consumer report. I Have given you more than 30 days to do so. \nUnder the Federal Consumer credit Protected rights I have the right to privacy and confidentiality which you have decided to continuously violate despite multiple written requests. \n15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.\n\n( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.\n\n( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \n\nThe law states that CRA assume the role they are not required, but you must respect the right for a Consumers right to privacy and I decide what is private to me. \nYou have caused me defamation of character and multiple violations and adverse actions taken against me due to your unlawful practices. \n\n\n\nUnder Arizona Revised Statue SB 1614 XXXX XXXX CONSUMER DATA PRIVACY ARTICLE 1. GENERAL PROVISIONS STATES THAT E. A CONSUMER MAY REQUEST THAT A BUSINESS DELETE ANY PERSONAL INFORMATION ABOUT THE CONSUMER THAT THE BUSINESS HAS COLLECTED FROM THE CONSUMER. A BUSINESS THAT COLLECTS PERSONAL INFORMATION ABOUT CONSUMERS SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE CONSUMER 'S RIGHTS TO REQUEST THE DELETION OF THE CONSUMER 'S PERSONAL INFORMATION. A BUSINESS THAT RECEIVES A VERIFIABLE REQUEST FROM A CONSUMER TO DELETE THE CONSUMER 'S PERSONAL INFORMATION SHALL DELETE THE CONSUMERS PERSONAL INFORMATION FROM ITS RECORDS AND DIRECT ANY SERVICE PROVIDERS TO DELETE THE CONSUMER 'S PERSONAL INFORMATION FROM THEIR RECORDS. \nF. A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT A CONSUMER OR THAT DISCLOSES A CONSUMER 'S PERSONAL INFORMATION FOR A BUSINESS PURPOSE SHALL DISCLOSE THE INFORMATION SPECIFIED IN SUBSECTION E OF THIS SECTION TO THE CONSUMER ON RECEIPT OF A VERIFIABLE REQUEST FROM THE CONSUMER. A THIRD PARTY MAY NOT SELL PERSONAL INFORMATION ABOUT A CONSUMER THAT HAS BEEN SOLD TO THE THIRD PARTY BY A BUSINESS UNLESS THE CONSUMER HAS RECEIVED EXPLICIT NOTICE AND IS PROVIDED AN OPPORTUNITY TO EXERCISE THE RIGHT TO OPT OUT. \nG. A CONSUMER, AT ANY TIME, MAY DIRECT A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT THE CONSUMER TO THIRD PARTIES NOT TO SELL THE CONSUMER 'S PERSONAL INFORMATION. THIS RIGHT MAY BE REFERRED TO AS THE RIGHT TO OPT OUT. \n\nO. ANY CONSUMER WHOSE NONENCRYPTED OR NONREDACTED PERSONAL INFORMATION IS SUBJECT TO AN UNAUTHORIZED ACCESS AND EXFILTRATION, THEFT OR DISCLOSURE AS A RESULT OF A BUSINESS 'S VIOLATION OF THE DUTY TO IMPLEMENT AND MAINTAIN REASONABLE SECURITY PROCEDURES AND PRACTICES APPROPRIATE TO THE NATURE OF THE INFORMATION TO PROTECT THE PERSONAL INFORMATION MAY INSTITUTE A CIVIL ACTION FOR ANY OF THE FOLLOWING : 1. RECOVERY OF DAMAGES IN AN AMOUNT OF AT LEAST {$100.00} AND NOT MORE THAN {$750.00} PER CONSUMER PER INCIDENT OR ACTUAL DAMAGES, WHICHEVER IS GREATER. \n2. INJUNCTIVE OR DECLARATORY RELIEF. \n3. ANY OTHER RELIEF THE COURT DEEMS PROPER. \nP. IN ASSESSING THE AMOUNT OF STATUTORY DAMAGES, THE COURT SHALL CONSIDER ANY ONE OR MORE OF THE RELEVANT CIRCUMSTANCES PRESENTED BY ANY OF THE PARTIES TO THE CASE, INCLUDING THE NATURE AND SERIOUSNESS OF THE MISCONDUCT, THE NUMBER OF VIOLATIONS, THE PERSISTENCE OF THE MISCONDUCT, THE LENGTH OF TIME OVER WHICH THE MISCONDUCT OCCURRED, THE WILFULNESS OF THE DEFENDANT 'S MISCONDUCT AND THE DEFENDANT 'S ASSETS, LIABILITIES AND NET WORTH. A CONSUMER MAY BRING AN ACTION PURSUANT TO THIS SECTION IF, BEFORE INITIATING ANY ACTION AGAINST A BUSINESS FOR STATUTORY DAMAGES ON AN INDIVIDUAL OR CLASS-WIDE BASIS, THE CONSUMER PROVIDES A BUSINESS THIRTY DAYS ' WRITTEN NOTICE THAT IDENTIFIES THE SPECIFIC PROVISIONS OF THIS SECTION THE CONSUMER ALLEGES HAVE BEEN OR ARE BEING VIOLATED. IF A CURE IS POSSIBLE AND IF WITHIN THE THIRTY DAYS THE BUSINESS ACTUALLY CURES THE NOTICED VIOLATION AND PROVIDES THE CONSUMER AN EXPRESS WRITTEN STATEMENT THAT THE VIOLATIONS HAVE BEEN CURED AND THAT NO FURTHER VIOLATIONS WILL OCCUR, AN ACTION FOR INDIVIDUAL STATUTORY DAMAGES OR CLASS-WIDE STATUTORY DAMAGES MAY NOT BE INITIATED AGAINST THE BUSINESS. A NOTICE IS NOT REQUIRED BEFORE AN INDIVIDUAL CONSUMER INITIATES AN ACTION SOLELY FOR ACTUAL PECUNIARY DAMAGES SUFFERED AS A RESULT OF THE ALLEGED VIOLATIONS OF THIS SECTION. IF A BUSINESS CONTINUES TO VIOLATE THIS SECTION IN BREACH OF THE EXPRESS WRITTEN STATEMENT PROVIDED TO THE CONSUMER UNDER THIS SECTION, THE CONSUMER MAY INITIATE AN ACTION AGAINST THE BUSINESS TO ENFORCE THE WRITTEN STATEMENT AND MAY PURSUE STATUTORY DAMAGES FOR EACH BREACH OF THE EXPRESS WRITTEN STATEMENT, AS WELL AS ANY OTHER VIOLATION OF THIS SECTION THAT POSTDATES THE WRITTEN STATEMENT. ANY BUSINESS OR THIRD PARTY MAY SEEK THE OPINION OF THE ATTORNEY GENERAL FOR GUIDANCE ON HOW TO COMPLY WITH THIS SECTION. A BUSINESS IS IN VIOLATION OF THIS SECTION IF THE BUSINESS FAILS TO CURE ANY ALLEGED VIOLATION WITHIN THIRTY DAYS AFTER BEING NOTIFIED OF ALLEGED NONCOMPLIANCE. ANY BUSINESS, SERVICE PROVIDER OR OTHER PERSON THAT VIOLATES THIS SECTION IS LIABLE FOR A CIVIL PENALTY IN A CIVIL ACTION BROUGHT IN THE NAME OF THIS STATE BY THE ATTORNEY GENERAL OF UP TO {$7500.00} FOR EACH VIOLATION. \nQ. THE REGULATION OF CONSUMER DATA PRIVACY IS OF STATEWIDE CONCERN. THIS SECTION SUPERSEDES AND PREEMPTS ALL REGULATION OF CONSUMER DATA PRIVACY AND IS NOT SUBJECT TO FURTHER REGULATION BY A COUNTY, CITY, TOWN OR OTHER POLITICAL SUBDIVISION OF THIS STATE.\n\nR. FOR THE PURPOSES OF THIS SECTION : 1. \" BUSINESS '' MEANS A SOLE PROPRIETORSHIP, PARTNERSHIP, LIMITED LIABILITY COMPANY, CORPORATION, ASSOCIATION OR OTHER LEGAL ENTITY THAT IS ORGANIZED OR OPERATED FOR THE PROFIT OR FINANCIAL BENEFIT OF ITS SHAREHOLDERS OR OTHER OWNERS, THAT COLLECTS CONSUMERS ' PERSONAL INFORMATION, OR ON THE BEHALF OF WHICH SUCH INFORMATION IS COLLECTED AND THAT ALONE, OR JOINTLY WITH OTHERS, DETERMINES THE PURPOSES AND MEANS OF PROCESSING CONSUMERS ' PERSONAL INFORMATION, THAT DOES BUSINESS IN THIS STATE AND THAT SATISFIES ONE OR MORE OF THE FOLLOWING THRESHOLDS : ( a ) HAS ANNUAL GROSS REVENUES IN EXCESS OF {>= $1,000,000}. \n( b ) ALONE OR IN COMBINATION, ANNUALLY BUYS, RECEIVES FOR THE BUSINESS ' COMMERCIAL PURPOSES, SELLS OR SHARES FOR COMMERCIAL PURPOSES, ALONE OR IN COMBINATION, THE PERSONAL INFORMATION OF FIFTY THOUSAND OR MORE CONSUMERS, HOUSEHOLDS OR DEVICES. \n( c ) DERIVES FIFTY PERCENT OR MORE OF ITS ANNUAL REVENUES FROM SELLING CONSUMERS ' PERSONAL INFORMATION. \n2. \" PERSONAL INFORMATION '' : ( a ) MEANS INFORMATION THAT IDENTIFIES, RELATES TO, DESCRIBES, IS CAPABLE OF BEING ASSOCIATED WITH OR COULD REASONABLY BE LINKED, DIRECTLY OR INDIRECTLY, WITH A PARTICULAR CONSUMER OR HOUSEHOLD, INCLUDING : ( i ) IDENTIFIERS SUCH AS A REAL NAME, ALIAS, POSTAL ADDRESS, UNIQUE PERSONAL IDENTIFIER, ONLINE IDENTIFIER INTERNET PROTOCOL ADDRESS, EMAIL ADDRESS, ACCOUNT NAME, SOCIAL SECURITY NUMBER, DRIVER LICENSE NUMBER, PASSPORT NUMBER OR OTHER SIMILAR IDENTIFIER. \n( ii ) CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW. \n( iii ) COMMERCIAL INFORMATION, INCLUDING RECORDS OF PERSONAL PROPERTY, PRODUCTS OR SERVICES PURCHASED, OBTAINED OR CONSIDERED OR OTHER PURCHASING OR CONSUMING HISTORIES OR TENDENCIES. \n\nI AM ATTACHING THE FULL STATUE FOR YOUR REVIEW SO THAT YOU MAY DO YOUR DUE DILLIGANCE AND RESPECT MY RIGHTS AND PRIVACY. \nI AM NOW DEMANDING THAT YOU IMMEDIATELY REMOVE THE BANKRUPTCY AND ALL ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY FORM MY CONSUMER REPORT BEFORE LEGAL ACTION IS TAKE UPON YOUR AGENCY. \nTHIS IS YOUR LAS OPORTUNITY TO CURE. \n\n\n\n\nAlso correct my name and address on all consumer reports to reflect the following and only the following : XXXX XXXX address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX. \n\nRemove all other names alias and address for they are incorrect and expose me to identity fraud. \nI have attached my ID and Bill of proof of identity and address. \n\nLet this notice serve as an intent to sue! \n\nRespectfully submitted XXXX XXXX","date_sent_to_company":"2022-10-31T18:18:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85308","tags":null,"has_narrative":true,"complaint_id":"6149786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-31T17:49:06.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["A <em>CONSUMER</em> MAY REQUEST THAT A BUSINESS DELETE ANY <em>PERSONAL</em> INFORMATION <em>ABOUT</em> THE <em>CONSUMER</em> THAT THE BUSINESS HAS COLLECTED FROM THE <em>CONSUMER</em>. A BUSINESS THAT COLLECTS <em>PERSONAL</em> INFORMATION <em>ABOUT</em> <em>CONSUMERS</em> SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE <em>CONSUMER</em> 'S RIGHTS TO REQUEST THE DELETION OF THE <em>CONSUMER</em> 'S <em>PERSONAL</em> INFORMATION."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.66675,"6149786"]},{"_index":"complaint-public-v1","_id":"6451735","_score":11.659269,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I took a look at my credit report and seen that Toyota MTR is reporting negative and inaccurate information about me. They have been reporting inacurate info against me and defaming me since around XX/XX/2021 on my credit report. I sent in letters and I didnt get a response. They never supplied any information to me to validate the debt or accuracy of their reporting. I do not agree with their actions. I have challenged the accuracy and integrity of the information. ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.\n\n( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part","date_sent_to_company":"2023-01-19T06:07:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85018","tags":null,"has_narrative":true,"complaint_id":"6451735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2023-01-19T05:28:46.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have challenged the accuracy and integrity of the information. ( a ) Accuracy means that information that a furnisher provides to a <em>consumer</em> <em>reporting</em> agency <em>about</em> an account or <em>other</em> relationship with the <em>consumer</em> correctly : ( 1 ) Reflects the terms of and liability for the account or <em>other</em> relationship ; ( 2 ) Reflects the <em>consumer</em> 's performance and <em>other</em> conduct with respect to the account or <em>other</em> relationship ; and ( 3 ) Identifies the appropriate <em>consumer</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.659269,"6451735"]},{"_index":"complaint-public-v1","_id":"6396868","_score":11.631774,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.","date_sent_to_company":"2023-01-04T21:40:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"6396868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-04T21:28:54.000Z","state":"IL","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I would like my name corrected on my <em>consumer</em> <em>report</em>, and I would like nicknames and so forth deleted from my <em>consumer</em> <em>report</em>, In essence, by the law 5 U.S.C. 552a, Protects records <em>about</em> individuals retrieved by <em>personal</em> identifiers such as a name, social security number, or <em>other</em> identifying number or symbol."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_issue":["<em>Personal</em> information incorrect"]},"sort":[11.631774,"6396868"]},{"_index":"complaint-public-v1","_id":"8003092","_score":11.620893,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about Equifax Information Solutions, LLC 's willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). \nThe Fair Credit Reporting Act states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ) ). I have repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. The consumer reporting agency, Equifax Information Solutions, LLC, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. Equifax Information Solutions, LLC has never provided their method and/or proof of verification, that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB portal with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. \nAccording to the compliance procedures of the Fair Credit Reporting Act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. Which Equifax Information Solutions, LLC, has not done. Equifax Information Solutions, LLC has had many 30 days to do what is fair and equitable to the consumer. \nUnder the Fair Credit Reporting Act the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( a ) credit or insurance to be used primarily for personal, family, or household purposes ; ( b ) employment purposes ; ( c ) any other purpose authorized under section 604 [ 1681b ]. \nMy dispute has been about Equifax Information Solutions, LLC willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report without my expressed written consent. It has never been about ownership. \nThe sharing of inaccurate, non public, personal information on my consumer report by Equifax Information Solutions , LLC, isn't consist with the other two reporting agencies as well. \nI have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, Opt Out Confirmation ( s ) which dates back to XXXX.","date_sent_to_company":"2023-12-15T00:25:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11216","tags":null,"has_narrative":true,"complaint_id":"8003092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-15T00:07:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["My dispute has been <em>about</em> Equifax Information Solutions, LLC willful non compliance of the Fair Credit <em>Reporting</em> Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, <em>personal</em> information on my <em>consumer</em> <em>report</em> without my expressed written consent. It has never been <em>about</em> ownership. \nThe sharing of inaccurate, non public, <em>personal</em> information on my <em>consumer</em> <em>report</em> by Equifax Information Solutions , LLC, isn't consist with the <em>other</em> two <em>reporting</em> agencies as well."],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.620893,"8003092"]},{"_index":"complaint-public-v1","_id":"5056844","_score":11.61403,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have noticed Capital One reporting a debt that I never contracted or agreed to pay. They have reported negative and defaming information beginning ( dates started reporting ) and ( dates reporting ) on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.\n\n( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part","date_sent_to_company":"2021-12-30T22:01:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11101","tags":null,"has_narrative":true,"complaint_id":"5056844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-12-30T21:31:06.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a <em>consumer</em> <em>reporting</em> agency <em>about</em> an account or <em>other</em> relationship with the <em>consumer</em> correctly : ( 1 ) Reflects the terms of and liability for the account or <em>other</em> relationship ; ( 2 ) Reflects the <em>consumer</em> 's performance and <em>other</em> conduct with respect to the account or <em>other</em> relationship ; and ( 3 ) Identifies the appropriate <em>consumer</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.61403,"5056844"]},{"_index":"complaint-public-v1","_id":"5075024","_score":11.608189,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have noticed capital one reporting late payments that are inaccurate. They have reported negative and defaming info starting XX/XX/XXXX and XX/XX/XXXX on my credit report. They have never given sufficient information to me in order validate this reported information. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. \n\n( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.","date_sent_to_company":"2022-01-05T05:16:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11101","tags":null,"has_narrative":true,"complaint_id":"5075024","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-01-05T04:47:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a <em>consumer</em> <em>reporting</em> agency <em>about</em> an account or <em>other</em> relationship with the <em>consumer</em> correctly : ( 1 ) Reflects the terms of and liability for the account or <em>other</em> relationship ; ( 2 ) Reflects the <em>consumer</em> 's performance and <em>other</em> conduct with respect to the account or <em>other</em> relationship ; and ( 3 ) Identifies the appropriate <em>consumer</em>."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.608189,"5075024"]},{"_index":"complaint-public-v1","_id":"8003049","_score":11.607681,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about Equifax Information Solutions, LLC 's willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). \nThe Fair Credit Reporting Act states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ) ). I have repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer. The consumer reporting agency, Equifax Information Solutions, LLC, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. Equifax Information Solutions, LLC has never provided their method and/or proof of verification, that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB portal with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. \nAccording to the compliance procedures of the Fair Credit Reporting Act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. Which Equifax Information Solutions, LLC, has not done. Equifax Information Solutions, LLC has had many 30 days to do what is fair and equitable to the consumer. \nUnder the Fair Credit Reporting Act the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( a ) credit or insurance to be used primarily for personal, family, or household purposes ; ( b ) employment purposes ; ( c ) any other purpose authorized under section 604 [ 1681b ]. \nMy dispute has been about Equifax Information Solutions, LLC willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report without my expressed written consent. It has never been about ownership. \nThe sharing of inaccurate, non public, personal information on my consumer report by Equifax Information Solutions , LLC, isn't consist with the other two reporting agencies as well. \nI have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, Opt Out Confirmation ( s ) which dates back to XXXX.","date_sent_to_company":"2023-12-15T00:25:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11216","tags":null,"has_narrative":true,"complaint_id":"8003049","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-15T00:25:56.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["My dispute has been <em>about</em> Equifax Information Solutions, LLC willful non compliance of the Fair Credit <em>Reporting</em> Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, <em>personal</em> information on my <em>consumer</em> <em>report</em> without my expressed written consent. It has never been <em>about</em> ownership. \nThe sharing of inaccurate, non public, <em>personal</em> information on my <em>consumer</em> <em>report</em> by Equifax Information Solutions , LLC, isn't consist with the <em>other</em> two <em>reporting</em> agencies as well."],"product":["Credit reporting or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.607681,"8003049"]},{"_index":"complaint-public-v1","_id":"6396927","_score":11.603853,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I would like my name corrected on my consumer report, and I would like nicknames and so forth deleted from my consumer report, In essence, by the law 5 U.S.C. 552a, Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol.","date_sent_to_company":"2023-01-04T21:40:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"6396927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-04T21:40:50.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I would like my name corrected on my <em>consumer</em> <em>report</em>, and I would like nicknames and so forth deleted from my <em>consumer</em> <em>report</em>, In essence, by the law 5 U.S.C. 552a, Protects records <em>about</em> individuals retrieved by <em>personal</em> identifiers such as a name, social security number, or <em>other</em> identifying number or symbol."],"product":["Credit reporting, credit repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Personal</em> information incorrect"]},"sort":[11.603853,"6396927"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15259,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15259}]}},"product":{"doc_count":15259,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":6838,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":6719},{"key":"Other personal consumer 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