{"took":211,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5659,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9966935","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have noticed two credit card accounts on my credit reports with the following companies : XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Those accounts were not opened by me and are a result of identity theft.","date_sent_to_company":"2024-08-30T22:38:03.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"91405","tags":null,"has_narrative":true,"complaint_id":"9966935","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-30T22:38:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I have noticed two <em>credit</em> card accounts on my <em>credit</em> reports with the following companies : XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Those accounts were not opened by me and are a result of identity <em>theft</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9966935"]},{"_index":"complaint-public-v1","_id":"9941331","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I keep getting denied to anything I applied for Could be either a car loan, an apartment for rent, a credit card or even debit cards. I see a lot of inquires in my report that I haven't done. So many times.for the same place Someone is just trying and trying to open bank accounts. They have cashed checks so I can deposit my checks. I can't have a bank accounts because all of this things affecting me record. Im not sure how to tfix it. I'm trying to figure out who's also applying for cars and other things under my name and my social. \nI have lost money because of it. I get my accounts closed such as fidelity and I don't get my money at all. \nIdk what's happening but fidelity didn't even say anything as a reason. That's one example.","date_sent_to_company":"2024-08-28T08:33:26.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"940XX","tags":null,"has_narrative":true,"complaint_id":"9941331","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2024-08-28T08:23:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I keep getting denied to anything I applied for Could be either a car loan, an apartment for rent, a <em>credit</em> card or even debit cards. I see a lot of inquires in my report that I haven't done. So many times.for the same place Someone is just trying and trying to open bank accounts. They have cashed checks so I can deposit my checks. I can't have a bank accounts because all of this things affecting me record. Im not sure how to tfix it."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Identity <em>theft</em> protection or other <em>monitoring</em> services"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9941331"]},{"_index":"complaint-public-v1","_id":"9937572","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.","date_sent_to_company":"2024-08-27T17:26:30.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"73064","tags":null,"has_narrative":true,"complaint_id":"9937572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-27T17:23:06.000Z","state":"OK","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["NO CONSENT IS IDENTITY <em>THEFT</em>. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9937572"]},{"_index":"complaint-public-v1","_id":"9923659","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.","date_sent_to_company":"2024-08-25T05:14:02.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"19604","tags":null,"has_narrative":true,"complaint_id":"9923659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-25T05:01:20.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I recently discovered that I am a victim of identity <em>theft</em>. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my <em>credit</em> file so that no new <em>credit</em> will be approved or issued until the lender first verified my identity."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9923659"]},{"_index":"complaint-public-v1","_id":"9918365","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.","date_sent_to_company":"2024-08-27T06:54:41.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"9918365","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-27T06:40:31.000Z","state":"LA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["NO CONSENT IS IDENTITY <em>THEFT</em>. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9918365"]},{"_index":"complaint-public-v1","_id":"9915314","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"my information is being use on the XXXX XXXX XXXX, it is ruining my reputation and i am being denied credit, anything negative on my report or derogatory defamation of character.","date_sent_to_company":"2024-08-26T17:20:35.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"109XX","tags":null,"has_narrative":true,"complaint_id":"9915314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-26T17:20:32.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["my information is being use on the XXXX XXXX XXXX, it is ruining my reputation and i am being denied <em>credit</em>, anything negative on my report or derogatory defamation of character."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9915314"]},{"_index":"complaint-public-v1","_id":"9891460","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX for web profile there is a cloned account denying use of consumer credit file on web domain. The cloned account name is XXXX XXXX XXXX which is an improper format of legal name. The credit file has not been used as of the day of this complaint. The cloned account is of account services debit account clone than issued by computer error from social XXXX to XXXX and used by illiterate US consumer. A cloned debit account credit profile is blocking a US consumer credit account. Personal info is exposed on web site. Web site for member is not available to US CONSUMER. a cloned web page appears before passing grade web site.","date_sent_to_company":"2024-08-23T00:17:15.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"89183","tags":null,"has_narrative":true,"complaint_id":"9891460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-22T23:58:54.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["XX/XX/XXXX for web profile there is a cloned account denying use of consumer <em>credit</em> file on web domain. The cloned account name is XXXX XXXX XXXX which is an improper format of legal name. The <em>credit</em> file has not been used as of the day of this complaint. The cloned account is of account services debit account clone than issued by computer error from social XXXX to XXXX and used by illiterate US consumer. A cloned debit account <em>credit</em> profile is blocking a US consumer <em>credit</em> account."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9891460"]},{"_index":"complaint-public-v1","_id":"9891276","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX has no multifactor authentication methods for its accounts. This is a severe security risk. Both XXXX and XXXX have some form of XXXX. There is no contact us or manner to address this with the company. This should be a requirement and these companies helps to a higher standard given the sensitivity of the information they hold.","date_sent_to_company":"2024-08-22T10:27:49.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"33196","tags":null,"has_narrative":true,"complaint_id":"9891276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-22T10:21:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9891276"]},{"_index":"complaint-public-v1","_id":"9875316","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I thought I'd successfully cancelled my paid monitoring account with TRANSUNION on XX/XX/XXXX. But I'm still being charged. I contacted them today and they informed me I had not been charged since XXXX. My XXXX XXXX says otherwise with the latest charge on XX/XX/XXXX for XXXX. \n\nI informed XXXX, they cancelled the card, but I'm afraid Transunion will find a way to charge me again. \n\nI want the charges to stop.","date_sent_to_company":"2024-08-21T21:46:28.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"850XX","tags":"Older American","has_narrative":true,"complaint_id":"9875316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-21T21:38:52.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I thought I'd successfully <em>cancelled</em> my paid <em>monitoring</em> account with TRANSUNION on XX/XX/XXXX. But I'm still being charged. I contacted them today and they informed me I had not been charged since XXXX. My XXXX XXXX says otherwise with the latest charge on XX/XX/XXXX for XXXX. \n\nI informed XXXX, they <em>cancelled</em> the card, but I'm afraid Transunion will find a way to charge me again. \n\nI want the charges to stop."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9875316"]},{"_index":"complaint-public-v1","_id":"9874634","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been experiencing an ongoing issue with Experians XXXX XXXX services for several months. Despite my attempts to opt for the free service option, I have been forced to pay the {$24.00} monthly fee without being provided with any alternative. This issue has persisted despite my efforts to resolve it directly with Experian, leading to a significant financial burden. I believe this is an unfair and deceptive practice, and I am seeking assistance in addressing this matter.","date_sent_to_company":"2024-08-21T22:12:53.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"9874634","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-21T22:12:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9874634"]},{"_index":"complaint-public-v1","_id":"9874019","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. \ni want file fruad alert on my credit since too, i didn't file or /apply for any credit line/card/loan XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX. \nXXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2024-08-21T23:12:24.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"18103","tags":null,"has_narrative":true,"complaint_id":"9874019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-21T23:12:22.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian <em>credit</em> report. I retrieved a copy of my <em>credit</em> report from your organization on XX/XX/XXXX and noticed a <em>credit</em> inquiry that I did not authorize."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9874019"]},{"_index":"complaint-public-v1","_id":"9865025","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. \n\nDespite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. \n\nOver the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. \n\nI am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. \n\nThe FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. \nThe Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. \n\nI trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.","date_sent_to_company":"2024-08-20T12:21:14.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"43213","tags":null,"has_narrative":true,"complaint_id":"9865025","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-20T12:19:08.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["The <em>Credit</em> Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair <em>Credit</em> Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate <em>credit</em> report by not fulfilling their obligation to investigate disputes properly and correct any errors. \n\nThe FCRA mandates that <em>credit</em> reporting agencies must investigate disputed information and make corrections if inaccuracies are found."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9865025"]},{"_index":"complaint-public-v1","_id":"9862704","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been trying to cancel and deactivate my account with Experian. \nThey do not provide anything on their website to do so. They do not allow me to speak to a live agent to do so either.","date_sent_to_company":"2024-08-20T15:56:12.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"11236","tags":null,"has_narrative":true,"complaint_id":"9862704","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-20T15:48:32.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I have been trying to <em>cancel</em> and deactivate my account with Experian. \nThey do not provide anything on their website to do so. They do not allow me to speak to a live agent to do so either."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9862704"]},{"_index":"complaint-public-v1","_id":"9860771","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a tax payer, I appreciate the services the CFPB provides through XXXX and XXXX - without the requirement that I pay these organizations for the basic services- including freezing, or unfreezing my accounts with each organization. Consumers are currently burdoned with a major data breach and advised to freeze their reports. Your third organization ( Trans Union ) also offers to freeze my credit information, but first requires payment of a charge to create an account. The Trans Union web site is tricky. While it claims it will freeze my account for \" free '', it only permite setting up an account and subsequently freezing it, if I pay a fee. My complaint is that as a Government organization created to help protect my financial well being, I should not have pay for the \" service. '' In addition, if I do not pay the Trans Union, the organization will provide to other parties the information I have been advised to freeze, and thereby place me in a potential situation that could destroy my financial position. Isn't the avoidance of that situation the reason the CFPB was created in the first place?","date_sent_to_company":"2024-08-20T19:42:21.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"234XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9860771","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-20T19:11:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Your third organization ( Trans Union ) also offers to freeze my <em>credit</em> information, but first requires payment of a charge to create an account. The Trans Union web site is tricky. While it claims it will freeze my account for \" free '', it only permite setting up an account and subsequently freezing it, if I pay a fee."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9860771"]},{"_index":"complaint-public-v1","_id":"9859362","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\n[ XXXX XXXX XXXX XXXX ] XX/XX/year> is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. \n\nThey have not responded to me.","date_sent_to_company":"2024-08-20T23:25:43.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"33578","tags":null,"has_narrative":true,"complaint_id":"9859362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-08-20T23:21:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["And according to the fair <em>credit</em> reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\n[ XXXX XXXX XXXX XXXX ] XX/XX/year> is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. \n\nThey have not responded to me."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"company":["National <em>Credit</em> Systems,Inc."],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9859362"]},{"_index":"complaint-public-v1","_id":"9839048","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).","date_sent_to_company":"2024-08-18T23:48:23.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"77061","tags":null,"has_narrative":true,"complaint_id":"9839048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-18T23:44:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I kindly request that you block this information as from my <em>credit</em> report within four business days, pursuant to section 605C of the Fair <em>Credit</em> Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9839048"]},{"_index":"complaint-public-v1","_id":"9834117","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i reviewed a copy of my credit report and and i noticed a few accounts that i didn't apply for can you please look into this matter please","date_sent_to_company":"2024-08-17T19:01:53.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"60517","tags":null,"has_narrative":true,"complaint_id":"9834117","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-17T17:44:50.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["i reviewed a copy of my <em>credit</em> report and and i noticed a few accounts that i didn't apply for can you please look into this matter please"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9834117"]},{"_index":"complaint-public-v1","_id":"9791525","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> After getting my free Annual Credit Report from Experian, the Experian website said I did not have a \" credit lock '' on my account, I turned it on thinking I was renewing my security freeze which I have had on for years. \n\nXX/XX/year> I was billed for Experian Premium membership. \n\nXX/XX/year> I cancelled the membership which I had never used because I didn't realize I had a membership. \nI was unable to contact Experian because I could find no contact info on their website ( no phone number, no email, no chat ) and categories under XXXXelp did not fit my situation. \nI have been trying to dispute this charge through my credit card company. \n\nXX/XX/year> XXXX Experian Premium membership was again charged to my credit card.\n\nMY MAIN COMPLAINT IS THAT THE EXPERIAN WEBSITE IS DECEPTIVE AND DIFFICULT TO NAVIGATE.","date_sent_to_company":"2024-08-12T19:40:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"77008","tags":"Older American","has_narrative":true,"complaint_id":"9791525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-12T19:11:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["XX/XX/year> After getting my free Annual <em>Credit</em> Report from Experian, the Experian website said I did not have a \" <em>credit</em> lock '' on my account, I turned it on thinking I was renewing my security freeze which I have had on for years. \n\nXX/XX/year> I was billed for Experian Premium membership. \n\nXX/XX/year> I <em>cancelled</em> the membership which I had never used because I didn't realize I had a membership."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9791525"]},{"_index":"complaint-public-v1","_id":"9779570","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent : Resolution Needed for Credit Report Mismatch Dear CFPB services I hope this message finds you well. My name is XXXX XXXX, and I am a new student in XXXX, having arrived in XX/XX/year>. I applied for a credit card with XXXX shortly after my arrival, but I was informed that my application could not be processed due to an issue with my credit report. Specifically, my credit report appears to be mixed with that of another individual. \n\nI immediately contacted XXXX upon discovering this issue. However, despite numerous follow-ups over the past nine months, the situation remains unresolved, and I have received varying responses from your team. \n\nAs a new resident in XXXX, establishing credit is crucial for my financial stability and integration into the country. The delay in resolving this matter has significantly impacted my ability to do so. \n\nI kindly request that this matter be escalated to the appropriate department and resolved as a priority. I would appreciate regular updates on the progress and a clear timeline for when I can expect the issue to be fully resolved. \n\nThank you for your attention to this matter. I look forward to your prompt response and assistance in correcting my credit report. \n\nBest regards, XXXX XXXX XXXX","date_sent_to_company":"2024-08-09T15:37:31.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9779570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-09T15:37:29.000Z","state":null,"company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Subject : Urgent : Resolution Needed for <em>Credit</em> Report Mismatch Dear CFPB services I hope this message finds you well. My name is XXXX XXXX, and I am a new student in XXXX, having arrived in XX/XX/year>. I applied for a <em>credit</em> card with XXXX shortly after my arrival, but I was informed that my application could not be processed due to an issue with my <em>credit</em> report. Specifically, my <em>credit</em> report appears to be mixed with that of another individual."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9779570"]},{"_index":"complaint-public-v1","_id":"9765266","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. \n\nDespite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. \n\nOver the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. \n\nI am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. \n\nThe FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. \nThe Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. \n\nI trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.","date_sent_to_company":"2024-08-12T09:58:07.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"77459","tags":null,"has_narrative":true,"complaint_id":"9765266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2024-08-12T09:54:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I am rejecting this response because : The <em>Credit</em> Bureau recent response to my complaint regarding inaccuracies on my <em>credit</em> report. \n\nDespite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. \n\nOver the past several months, I have repeatedly contacted The <em>Credit</em> Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9765266"]},{"_index":"complaint-public-v1","_id":"9761039","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and another personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.","date_sent_to_company":"2024-08-12T02:08:39.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"9761039","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-12T02:08:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I am filing this FTC Identity <em>Theft</em> Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO <em>credit</em> report which I do not recognize as reported and which are the result of identity <em>theft</em> and fraud."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9761039"]},{"_index":"complaint-public-v1","_id":"9749593","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. \n\nDespite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. \n\nOver the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. \n\nI am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. \n\nThe FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. \nThe Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. \n\nI trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.","date_sent_to_company":"2024-08-08T11:42:58.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"63301","tags":null,"has_narrative":true,"complaint_id":"9749593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-08T11:39:05.000Z","state":"MO","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I am rejecting this response because : The <em>Credit</em> Bureau recent response to my complaint regarding inaccuracies on my <em>credit</em> report. \n\nDespite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. \n\nOver the past several months, I have repeatedly contacted The <em>Credit</em> Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9749593"]},{"_index":"complaint-public-v1","_id":"9741599","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have requested to opt out of consumer reporting agency XXXX XXXX XXXX XXXXheir website advertises : *In accordance with the Fair Credit Reporting Act, your consumer report will be sent to you within 3 calendar days if you notify Early Warning that you have been a victim of identity theft and you provide the information required by the Act. \n\nXXXX I have requested my consumer report and have not received any copy physical or electronicXXXX Early Warning Services , LLC XXXX a financial services technology leader, has been empowering and protecting consumers, small businesses, and the XXXX XXXX system with cutting-edge fraud and payment solutions for more than three decades. We are also the company behind Zelle, and the soon-to-launch XXXX, a wallet that reimagines e-commerce payments. Early Warning partners with more than 2,500 banks and credit unions to increase access to financial services and products, and protect financial transactions. \n\n\nLooking for Consumer Report Information? Early Warning supports consumers ' rights to dispute and corrects inaccurate or incomplete information. \n\n\nHow to Check Your Banking History I requested to opt out of their consumer reporting services ( that they advertise ) and they sent me the letter attached EARLY WARNING SERVICES IS IN VIOLATION OF THE FOLLOWING Act applies 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( 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. As you can see there is a need to protect your right to privacy. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. 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 ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX transferred my application to third parties that compensated them which means they received benefits, see : pg. S-27 of their Prospectus Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If you chose to list that in your complaint YOU MUST provide the information listed above. Identity theft reports can be filed with the Federal Trade Commission on their website 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. Those are a few violations of the Fair Credit Reporting Act that you can use in your complaint against not only the reporting agencies but the furnisher of that information to them. Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( 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 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 1016.13, 1016.14, and 1016.15. Every company owes you a privacy notice before they furnish any information to our consumer report 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 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. ( b ) Opt out ( 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. Once again they must give you an opt out notice for anything that is to be added to your consumer report. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, You have the right to opt out of anything on your report at any time and the companies must comply as soon as reasonably practicable after you send them a notice.","date_sent_to_company":"2024-08-09T14:55:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"28562","tags":null,"has_narrative":true,"complaint_id":"9741599","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-08-07T14:43:33.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Code 1681c2 - Block of information resulting from identity <em>theft</em> Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer <em>identifies</em> as information that resulted from an alleged identity <em>theft</em>, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity <em>theft</em> report ; ( XXXX ) the identification"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9741599"]},{"_index":"complaint-public-v1","_id":"9728698","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. \nDate XXXX Re : XXXX # ( XXXX ) Re : XXXX XXXX XXXX XXXX # ( XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. \nI am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting \" validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. \nPlease also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA XXXX [ XXXX XXXX XXXX ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. \nPending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. \nFailure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX. Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. \nFor the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. \nPlease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. \n\n\n\n\n\n\n\nXXXX XXXX","date_sent_to_company":"2024-08-06T20:54:17.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"9728698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-06T20:40:42.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Please also be aware that any negative mark found on my <em>credit</em> reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA XXXX [ XXXX XXXX XXXX ] ; therefore, if you can not validate the debt, you must request that all <em>credit</em> reporting agencies delete the entry."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> <em>monitoring</em> or identity <em>theft</em> protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem <em>canceling</em> <em>credit</em> <em>monitoring</em> or <em>identify</em> <em>theft</em> protection service"]},"sort":[22.780222,"9728698"]},{"_index":"complaint-public-v1","_id":"9702891","_score":22.780222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB, XXXX XXXX XXXX XXXX XXXX VA IS NOT MY ADDRESS AND I'VE NEVER LIVED THERE.","date_sent_to_company":"2024-08-04T17:52:02.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"9702891","timely":"Yes","company_response":"Closed 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