{"took":223,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":134,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18303833","_score":24.975529,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT NARRATIVE Date : XX/XX/XXXX Company : Equifax Product : Credit reporting Issue : Problem with a companys investigation into an existing problem Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Complaint Summary I am filing this complaint to document improper dispute invalidation and unreasonable identity-verification demands made by Equifax after my disputes were already XXXX, assigned confirmation numbers, and placed under investigation. \nOn XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX to obtain clarification regarding the status of multiple open disputes. The outgoing call lasted approximately XXXX minutes and began at XXXXXXXX XXXX \nDuring this call, an Equifax agent informed me that my drivers license and Social Security documentation were considered invalid, that my existing disputes were being marked invalid, and that I was required to resubmit identification including my full Social Security number. The agent explicitly stated that providing only the last XXXX digits of my SSN was insufficient. \nI explained to the agent that I have never provided my full Social Security number to Equifax for disputesonly the last XXXX digitsand that this method has been consistently accepted by Equifax in the past. \n\nDisputes Improperly Targeted The agent specifically referenced the following Equifax dispute confirmation numbers, all of which had already been accepted and issued by Equifax : Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Equifax must ensure that the closed confirmation numbers listed above were properly handled, and that the open complaints listed below are properly handled as well. \nEquifax can not retroactively invalidate disputes after identity verification has already occurred and confirmation numbers have been issued. \n\nProof of Disparate and Inconsistent Treatment Equifaxs claim that my identification is invalid is contradicted by its own historical conduct. \nI have filed numerous prior CFPB complaints against Equifax, all using the same identity-verification method ( government-issued ID and partial SSN ). Many of these complaints were accepted, investigated, and closed, with no indication whatsoever that my identification was invalid or insufficient. \nExamples include ( not exhaustive ) : CFPB complaint IDs from XX/XX/XXXX through XX/XX/XXXX, all marked Closed Company Responded Additional closed complaints from XXXX XXXX and XX/XX/XXXX, all processed using the same identification method None of the closed CFPB files reference invalid documentation, identity failure, or refusal to investigate due to missing full SSN This establishes that Equifax has previously verified my identity using the same documentation, and that the sudden demand for a full Social Security number is new, inconsistent, and selectively applied. \n\nImproper Demand for Full Social Security Number Equifaxs demand that I provide my full Social Security number as a condition to reinstate or process disputes is unreasonable and unsupported. \nThe Fair Credit Reporting Act does not require consumers to disclose their full SSN to dispute inaccuracies Equifax has repeatedly accepted disputes from me using a partial SSN Identity verification had already occurred, as evidenced by issued confirmation numbers Additionally, I was not provided any written notice identifying a specific deficiency in my identification or explaining how to cure it, despite Equifax claiming my disputes were being invalidated. \nAn oral statement during a phone call does not satisfy notice or documentation requirements. \n\nRelated Open CFPB Complaints This conduct directly impacts and appears designed to obstruct the resolution of the following currently open CFPB complaints, all of which have already been sent to Equifax : Your complaintt Open COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXXeporting Problem with a company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with XXXX XXXX XXXX XXXX XXXX an existing problem Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX XXXX XXXX problem Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's investigation into an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX XXXX into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX XXXX Unable to XXXX XXXX credit report XXXX credit score Equifax Information Services LLC XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting Problem with a XXXX XXXX XXXX XXXX an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unable XXXX XXXX XXXX credit report or credit score Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX an existing problem Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX substance of these XXXX XXXX Equifax appears to be attempting to invalidate disputes procedurally by imposing new and unreasonable identity requirements.","date_sent_to_company":"2025-12-26T21:08:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"18303833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-26T21:01:45.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>XX/XX/XXXX</em> Open Sent to <em>Company</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC . \n<em>XX/XX/XXXX</em> Open Sent to <em>Company</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC . \n<em>XX/XX/XXXX</em> Open Sent to <em>Company</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC ."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[24.975529,"18303833"]},{"_index":"complaint-public-v1","_id":"13952216","_score":23.729092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against TRANSUNION INTERMEDIATE HOLDINGS , INC . Multiple Complaint IDs Listed Below To Whom It May  Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by TRANSUNION INTERMEDIATE HOLDINGS, INC., despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. \n\nSince XX/XX/XXXX, I have submitted multiple complaints through the Consumer Response Portal ( CRP ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by TransUnion are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. \n\nSpecifically, I believe TransUnion has violated the following sections of the United States Code ( XXXX XXXX ) : - XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Requirement for reasonable reinvestigation of disputed information - XXXX XXXX XXXX ( XXXX ) Notice of dispute to furnishers - XXXX XXXX XXXX ( XXXX ) Duty to correct or delete inaccurate or unverifiable information - XXXX XXXX XXXX ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) Duties of furnishers to investigate and report accurate information - XXXX XXXX XXXX Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to TransUnion through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report The disputed accounts on my TransUnion credit report that require immediate deletion or correction are : - XXXX & XXXX ( Note : TransUnion lists themselves as the original creditor, which is inaccurate and violates XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), which requires furnishers to provide accurate information. ) - XXXX XXXX, last reported XX/XX/XXXX, balance {$4500.00} - XXXX XXXX  XXXX, last reported XX/XX/XXXX, balance {$7900.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$38000.00} XXXX demand that TransUnion perform a comprehensive reinvestigation into these accounts, confirm their status, and permanently delete any inaccurate or duplicate listings. Failure to do so constitutes a violation of my rights under the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-07T13:06:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"13952216","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-07T13:03:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["report <em>XXXX</em> | <em>XX/XX/XXXX</em> | Incorrect information on your report <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | <em>XX/XX/XXXX</em> | Incorrect information on your report <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em>"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[23.729092,"13952216"]},{"_index":"complaint-public-v1","_id":"13952518","_score":22.851665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against Experian Information Solutions , Inc . Multiple Complaint IDs Listed Below To Whom It May Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Solutions , Inc., despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. \n\nSince XX/XX/XXXX, I have submitted multiple complaints through the Consumer Response Portal ( CRP ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by Experian are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. \n\nSpecifically, I believe Experian Information Solutions XXXX XXXX has violated the following sections of the United States Code ( XXXX XXXX ) : - XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Requirement for reasonable reinvestigation of disputed information - XXXX XXXX XXXX ( XXXX ) Notice of dispute to furnishers - XXXX XXXX XXXX ( XXXX ) Duty to correct or delete inaccurate or unverifiable information - XXXX XXXX XXXX ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) Duties of furnishers to investigate and report accurate information - XXXX XXXX XXXX Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to Experian through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem The disputed accounts on my Experian credit report that require immediate deletion or correction are : - XXXX XXXX last reported XX/XX/XXXX, balance {$4500.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$7900.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$93.00} Despite these documented efforts and the legally mandated investigation periods , Experian Information Solutions, Inc. has failed to comply with federal law and has repeatedly provided inaccurate or unverifiable information on my credit reports. This failure not only harms my creditworthiness but also violates my rights as a consumer under the FCRA. \n\nI respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into Experian 's handling of my disputes, enforcement of FCRA provisions, and the accuracy of the information reported. Additionally, I request confirmation that the CFPB will hold Experian accountable for these violations and require corrective action to ensure full compliance with federal law. \n\nPlease do not hesitate to contact me if any additional information is needed. I appreciate your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-07T13:00:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"13952518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T12:56:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["into an <em>existing</em> <em>problem</em> <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | <em>XX/XX/XXXX</em> | Incorrect information on your report <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | <em>XX/XX/XXXX</em> | Improper use of your report <em>XXXX</em> | <em>XX/XX/XXXX</em> | Incorrect information on your report <em>XXXX</em> | <em>XX/XX/XXXX</em> | Improper use of your report <em>XXXX</em> | <em>XX/XX/XXXX</em> | Incorrect information on your report <em>XXXX</em> | <em>XX/XX/XXXX</em> | <em>Problem</em> with a <em>company</em>"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[22.851665,"13952518"]},{"_index":"complaint-public-v1","_id":"3713384","_score":22.301073,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. \n\nXXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. \n\nEquifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. \n\nI never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. \n\nI sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. \n\nI cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. \n\nPlease look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. \n\nI,","date_sent_to_company":"2020-06-24T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3713384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-24T14:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XX/XX/XXXX</em> Closed Marked as a duplicate complaint on <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Other personal <em>consumer</em> report <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> issue EQUIFAX , INC."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[22.301073,"3713384"]},{"_index":"complaint-public-v1","_id":"15646881","_score":21.127214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX Experian Dispute Department Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX, TX XXXX Subject : FINAL FOLLOW-UP DISPUTE Comprehensive Re-Audit ; Permanent Deletion/Blocking of Inaccurate/Unverifiable Items ; Full Method-of-Investigation ; Privacy/Permissible-Purpose ; Remove All Phone Numbers from File Dear Experian Dispute Department, I am re-submitting a comprehensive, itemized dispute and demanding full compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. This filing incorporates, verbatim, prior complaint language and adds a consolidated timeline and complaint log with dates, IDs, subjects, companies, and outcomes from the CFPB portal. You must delete any item that is inaccurate, incomplete, or can not be verified within FCRA timelines, and provide a detailed Method-of-Investigation ( MOI ) for each disputed entry. \n\nIdentity & contact Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX No phone number : Remove any and all telephone numbers from my file and confirm removal in writing. Do not add or infer any phone number going forward. \n\nLegal bases ( summary ) FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : reasonable procedures to assure maximum possible accuracy.\n\nFCRA 611 / 15 U.S.C. 1681i : reasonable reinvestigation ; delete/correct information that is inaccurate, incomplete, or can not be verified ; provide furnisher contact data ; upon request supply the MOI.\n\nFCRA 604 / 15 U.S.C. 1681b : permissible purpose required for inquiries ; purge any inquiry lacking a documented permissible purpose.\n\nFCRA 605 & 605B / 15 U.S.C. 1681c-2 : obsolescence limits ; identity-theft blocking upon receipt of an Identity Theft Report.\n\nGLBA ( 15 U.S.C. 6801 et seq. ), Privacy Act ( 5 U.S.C. 552a ), 26 U.S.C. 6103 : protect nonpublic personal information ; avoid unauthorized disclosure/retention. \n\n\n\nDear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant financial hardship and reputational harm due to inaccurate information that remains on my report. I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/XXXX, and XX/XX/XXXX. Regrettably, I did not receive the verification I requested, nor did any of the bureaus delete the unverified accounts. Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. \n\nXXXX XXXX XXXX  prior results list ( pattern evidence ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint log ( XXXX subjects companies outcomes ) XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX  Filed XX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXXXXXX \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX I do not know Attempts to collect debt not owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Company responded. \n\nXXXX Medical debt Attempts to collect debt not owed Professional Colletors Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN LEGAL XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report EXPERIAN Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Problem with a credit reporting company XXXX XXXX into an existing problem EXPERIAN Credit reporting Agency XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Closed ; Company responded. \n\nDamages & remedies reserved : 15 U.S.C. 1681n ( willful ), 1681o ( negligent ) : actual, statutory, punitive damages, and fees/costs. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX","date_sent_to_company":"2025-09-01T16:42:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"15646881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-01T16:29:00.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Medical debt Attempts to collect debt not owed Professional Colletors Filed <em>XX/XX/XXXX</em> Closed ; <em>Company</em> responded. \n\n<em>XXXX</em> Credit reporting <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EXPERIAN LEGAL <em>XXXX</em> <em>XX/XX/XXXX</em> Closed ; <em>Company</em> responded. \n\n<em>XXXX</em> Credit reporting <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> Closed ; <em>Company</em> responded."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.127214,"15646881"]},{"_index":"complaint-public-v1","_id":"11774408","_score":19.937449,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX, XXXX XXXX XXXX XXXX due to problem with the companies XXXXXXXX XXXX XXXX investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX XXXX  ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX XXXX XXXX XXXX XXXX  and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates","date_sent_to_company":"2025-01-26T23:59:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"11774408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-26T23:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a dispute on <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> due to <em>problem</em> with the <em>companies</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>investigating</em> into my <em>existing</em> <em>problem</em> and denied to follow up with the <em>investigation</em>. I recently was notified that CFPB has filed a lawsuit against the <em>company</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  ( <em>XXXX</em> ) They alleged the <em>company</em> of accepting unreliable information, failure to notify <em>consumer</em> dispute results."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.937449,"11774408"]},{"_index":"complaint-public-v1","_id":"11510722","_score":19.690414,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline. \nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Issue : <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Incorrect information on your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Improper use of your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Incorrect information on your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Improper use of your"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.690414,"11510722"]},{"_index":"complaint-public-v1","_id":"11510758","_score":19.684208,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear Experian, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against Experian for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against Experian : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future.\n\nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-14T09:34:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["- Issue : <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Incorrect information on your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Improper use of your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Incorrect information on your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Improper use of your"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.684208,"11510758"]},{"_index":"complaint-public-v1","_id":"11510721","_score":19.666924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXX Source XXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[": <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Incorrect information on your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Improper use of your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Incorrect information on your report Complaint ID <em>XXXX</em> - Date : <em>XX/XX/XXXX</em> - Issue : Improper use of your report"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.666924,"11510721"]},{"_index":"complaint-public-v1","_id":"11460440","_score":19.062344,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Experian, I am writing to formally file a complaint against Experian for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681e ( b ), 15 USC 1681i ( a ), and 15 USC 1681c. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. \n\nSpecific Violations by Experian : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.\n\n15 USC 1681i ( a ) : Negligence in ensuring that furnishers of information comply with their obligations.\n\n15 USC 1681i ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information.\n\n15 USC 1681c : Inclusion of obsolete information in my credit report. \nDespite my repeated attempts and clear documentation of errors, Experian has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. \n\nRecently, I became aware of a lawsuit initiated by the Consumer Financial Protection Bureau ( CFPB ) against Experian, accusing them of conducting sham investigations of credit report disputes. The CFPB 's lawsuit underscores systemic issues within Experian that reflect the challenges I have encountered, highlighting the failure of Experian to conduct legitimate and thorough investigations into consumer disputes. \n\nList of Disputed Accounts : XXXX XXXX XXXX  XXXX ( Account No. XXXX ) : Incorrect reporting of delinquency status and balance of {$1300.00}. \nXXXX XXXX XXXX ( Account XXXX. XXXX ) : Incorrect collection status reported, balance {$1000.00}. \nXXXX XXXX ( Account XXXX. XXXX ) : Reported credit limit and charge-off amount inconsistencies, balance {$4500.00}. \nComplete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. \n\n\nThank you for your immediate attention to this critical matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-10T10:53:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11460440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T10:38:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complete List of Complaints Filed : XX/XX/year> - Complaint ID : <em>XXXX</em> - Incorrect information on your report XX/XX/year> - Complaint ID : <em>XXXX</em> - <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : <em>XXXX</em> - <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : <em>XXXX</em> - Improper use of your report XX/XX/year> - Complaint ID : <em>XXXX</em> - Improper use of your report XX/XX/year> - Complaint ID : <em>XXXX</em> - Improper use of your report"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.062344,"11460440"]},{"_index":"complaint-public-v1","_id":"6728486","_score":17.686075,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the <em>company</em> for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local <em>consumer</em> protection office ; or Let you know if we need more information to continue our work."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[17.686075,"6728486"]},{"_index":"complaint-public-v1","_id":"14925877","_score":17.361624,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX Problem with a company 's investigation into an existing problem XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed. \n\nMy disputes included : Missing hard inquiries dating from XX/XX/XXXX. \n\nIncorrect late payment notations on accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX \n\nDuplicate XXXXDepartment of Education entries showing identical opening dates, balances, and status.\n\nCredit utilization reported at 287 %, which is mathematically impossible. \n\nAn XXXX account listed as delinquent, despite being under official forbearance status, which under FCRA and CARES Act should not affect my score. \n\nI also requested a detailed explanation of Experians investigation process, including whether all evidence I submitted was forwarded to furnishers, what responses were received, and whether any dispute was deemed frivolous. Experians responses were generic confirmations of an investigation, but they did not justify why my documentation was disregarded or explain why the disputed items were never corrected.\n\nDespite submitting comprehensive evidencescreenshots, statements, forbearance letters, utilization calculationsExperian failed to update any item in my credit report.\n\nMy experience aligns with findings in the CFPBs XX/XX/XXXX lawsuit against Experian, which alleges that Experian routinely conducts sham investigations, fails to forward consumer-submitted documentation, and improperly reinserts inaccurate tradelines after they were previously disputed and removed","date_sent_to_company":"2025-07-28T18:48:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"14925877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-28T18:42:19.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Since <em>XX/XX/XXXX</em>, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute <em>investigations</em> : <em>XXXX</em> <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Incorrect information on your report <em>XXXX</em> <em>XXXX</em> Each was marked Closed <em>Company</em> responded, but none led to correction or removal of the errors I disputed"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.361624,"14925877"]},{"_index":"complaint-public-v1","_id":"13345537","_score":17.128635,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 1.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}","date_sent_to_company":"2025-05-05T22:15:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77530","tags":null,"has_narrative":true,"complaint_id":"13345537","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-05T22:08:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the <em>company</em> for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local <em>consumer</em> protection office ; or Let you know if we need more information to continue our work."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.128635,"13345537"]},{"_index":"complaint-public-v1","_id":"6728064","_score":17.051899,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the <em>company</em> for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local <em>consumer</em> protection office ; or Let you know if we need more information to continue our work."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.051899,"6728064"]},{"_index":"complaint-public-v1","_id":"6966521","_score":16.967487,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information XXXX your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - Open <em>Company</em> response is in progress as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Information Services LLC <em>XX/XX</em>/2023 <em>XXXX</em> Open <em>Company</em> response is in progress as of <em>XX/XX</em>/2023 As you can see, all the disputes were opened by the <em>COMPANY</em> on <em>XX/XX/XXXX</em> - <em>XX/XX</em>/2023 and were in PROGRESS of RESPONDING."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.967487,"6966521"]},{"_index":"complaint-public-v1","_id":"6966520","_score":16.957289,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Experian Information Solutions Inc . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Experian Information Solutions Inc . \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - Open Com<em>XXXX</em> response is in progress as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2023 <em>XXXX</em> Open <em>Company</em> response is in progress as of <em>XX/XX</em>/2023 As you can see, all the disputes were opened by the <em>COMPANY</em> on <em>XX/XX/XXXX</em> - <em>XX/XX</em>/2023 and were in PROGRESS of RESPONDING."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.957289,"6966520"]},{"_index":"complaint-public-v1","_id":"6966689","_score":16.814568,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your reporXXXX XXXX XXXXfXXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T16:26:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2023 - <em>XXXX</em> <em>XXXX</em> response is in progress as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2023 <em>XXXX</em> Open <em>Company</em> response is in progress as of <em>XX/XX</em>/2023 As you can see, all the disputes were opened by the <em>COMPANY</em> on <em>XX/XX/XXXX</em> - <em>XX/XX</em>/2023 and were in PROGRESS of RESPONDING."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.814568,"6966689"]},{"_index":"complaint-public-v1","_id":"13107058","_score":16.211256,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter responds to the correspondence issued by TransUnion on XX/XX/year>, under File Numbers XXXX and XXXX. These letters were issued without any reference to the specific Consumer Financial Protection Bureau ( CFPB ) complaints I have filed, despite numerous active complaints regarding inaccurate and harmful information appearing on my TransUnion credit report. \n\nThis practice appears to be a deliberate tactic to delay the investigation process, avoid accountability, and circumvent the formal regulatory complaint system. It is unacceptable for TransUnion to fail to acknowledge, track, or respond to the specific issues raised in my complaints. I have provided detailed dispute information in every CFPB complaint Ive submitted. \n\nBelow is a list of the active complaints involving TransUnion, all of which remain unresolved and are awaiting a company response : Filed CFPB Complaints Against TransUnion : XXXX ( Submitted XX/XX/year> ) : Incorrect information on my report XXXX ( Submitted XX/XX/year> ) : Problem with TransUnions investigation into existing dispute XXXX ( Submitted XX/XX/year> ) : Problem with companys investigation into an existing problem XXXX ( Submitted XX/XX/year> ) : Incorrect information on credit report XXXX ( Submitted XX/XX/year> ) : Ongoing credit reporting inaccuracies XXXX ( Submitted XX/XX/year> ) : Mishandling of dispute reinvestigation process XXXX ( Submitted XX/XX/year> ) : Failure to correct inaccurate tradeline XXXX ( Submitted XX/XX/year> ) : Inaccurate reporting after account resolution XXXX ( Submitted XX/XX/year> ) : Refusal to provide method of verification, conflicting reporting XXXX ( Submitted XX/XX/year> ) : Misreporting of account status, balance, and history Despite these ongoing complaints, TransUnion has now issued generic letters stating that my requests were unclear or procedural without identifying which dispute or which complaint is being referenced. That is not an adequate or compliant response under the Fair Credit Reporting Act ( FCRA ). \n\nFormal Requests : 1. Identify which of the above CFPB complaints the XX/XX/XXXX letters relate to. \n2. Reopen and properly reinvestigate the disputes associated with these complaints, using the full details already provided to you.\n\n3. Provide a full response via the CFPB complaint portal, including account-specific findings and the method of verification.\n\n4. Cease the use of vague letters outside the formal regulatory system and respond through the proper legal channels. \n\nYour continued failure to process valid consumer disputes and provide full, timely, and traceable responses as required by FCRA 611 is being documented. I am also preparing to escalate these issues to the FTC and state regulatory authorities should this pattern of noncompliance continue.","date_sent_to_company":"2025-04-22T12:09:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13107058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T12:03:31.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Below is a list of the active complaints involving TransUnion, all of which remain unresolved and are awaiting a <em>company</em> response : Filed CFPB Complaints Against TransUnion : <em>XXXX</em> ( Submitted XX/XX/year> ) : Incorrect information on my report <em>XXXX</em> ( Submitted XX/XX/year> ) : <em>Problem</em> with TransUnions <em>investigation</em> into <em>existing</em> dispute <em>XXXX</em> ( Submitted XX/XX/year> ) : <em>Problem</em> with <em>companys</em> <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> ( Submitted XX/XX/year> ) : Incorrect information on credit report"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.211256,"13107058"]},{"_index":"complaint-public-v1","_id":"16757276","_score":15.195567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by Citibank XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to Citibank 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from Citibank 's Cardmember Services - Credit Management Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite Citibank claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My XXXX  credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching Citibank 's XXXX XXXX location. \n\nThis creates several violations : 1. Citibank is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - Citibank refused to investigate by claiming they can not locate the account WHAT I WANT : 1. Citibank to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If Citibank truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from Citibank regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - Citibank letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to Citibank","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16757276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-22T13:04:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Company</em> Name : Citibank , N.A . ( Citibank <em>XXXX</em> <em>XXXX</em> ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Sub-issue : <em>Investigation</em> took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.195567,"16757276"]},{"_index":"complaint-public-v1","_id":"16758190","_score":15.192326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by XXXX XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to XXXX 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from XXXX 's XXXX XXXX XXXX XXXX XXXX Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite XXXX claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My Experian credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching XXXX 's XXXX XXXX location. \n\nThis creates several violations : 1. XXXX is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - XXXX refused to investigate by claiming they can not locate the account WHAT I WANT : 1. XXXX to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If XXXX truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from XXXX regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - XXXX letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to XXXX","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16758190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-22T13:10:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Company</em> Name : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Sub-issue : <em>Investigation</em> took more than 30 days WHAT HAPPENED : I am filing this complaint regarding <em>XXXX</em> 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.192326,"16758190"]},{"_index":"complaint-public-v1","_id":"14082134","_score":14.787952,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"A Account for XXXX XXXX was made that wasn't me I was in jail ... Inactive modal Inactive modal Submit a complaintStep 2 of 5 What type of problem are you having?\n\nMost of the other personal consumer report complaints we get are about one of the following topics. Select the one that best describes your complaint. You will have the chance to explain your complaint in detail in the next step.\n\nIncorrect information on your report ( account or personal information incorrect, information not mine ) Problem with a company 's investigation into an existing issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, problem cancelling account ) Which best describes your problem? \n\n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised Have you already tried to fix this problem with the company? \n\n\nYes No Did you request information from the company? \n\n\nYes No PreviousNext Step2 of 5 About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.\n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday ( except federal holidays ). \n\nMore than XXXX languages available. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nAn official website of the United States Government Close Privacy Act Statement Privacy Act Statement 5 U.S.C. 552a ( e ) ( 3 ) The information you provide will permit the Consumer Financial Protection Bureau ( CFPB ) to respond to your complaint or inquiry about companies and services we regulate. Information about your complaint or inquiry ( including your personally identifiable information ( PII ) ) may be shared : with the entity that is the subject of your complaint ; with third parties as necessary to get information relevant to responding to your complaint ; with a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal in the course of a proceeding, or the Department of Justice ; and with other federal or state agencies or regulatory authorities for enforcement and statutory purposes. \nWe may also share your complaint or inquiry ( but not your PII ) with the public through the public Consumer Complaint Database.\n\nAlthough the Bureau does not otherwise anticipate further disclosing the information provided, it may also be disclosed as indicated in the Routine Uses described in the System of Records Notice CFPB.005 Consumer Response System.\n\nThe collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013 ( b ) ( 3 ), 1021, 1034, codified at 12 U.S.C. 5491, 5492, 5493 ( b ) ( 3 ), 5511, 5534. \nSubmitting a complaint is voluntary. You are not required to submit a complaint or share any PII, including your Social Security number, and you may withdraw your complaint at any time. However, if you do not include the requested information, the CFPB may not be able to process your complaint.\n\nInactive modalInactive modal","date_sent_to_company":"2025-06-14T11:29:48.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"14082134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-14T11:11:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Incorrect information on your report ( account or personal information incorrect, information not mine ) <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) Which best describes your <em>problem</em>?"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.787952,"14082134"]},{"_index":"complaint-public-v1","_id":"11415938","_score":14.627979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT 15 USC 1692g : Validation of debts In reviewing my credit report, I have identified the following items that are inaccurate SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE XXXX XXXXXXXX RESPONSE Company responded Status Company responded on XX/XX/XXXX Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. \nDESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.","date_sent_to_company":"2025-01-07T16:57:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"318XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11415938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-01-03T03:23:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Closed Submitted Status Submitted to the CFPB on <em>XX/XX/XXXX</em> Product Credit reporting or other personal <em>consumer</em> reports Issue <em>Problem</em> with a <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.627979,"11415938"]},{"_index":"complaint-public-v1","_id":"2766480","_score":14.620685,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws. Fair Credit Act, Equal Opportunity Credit. as well Law of Agency all public, companies, administrators of credit associate with their name, standard, and rating having NO OTHER SOURCE to access or review credit. \nPlease help me resolve this problem. \nXX/XX/XXXX at XXXX XXXX Thank you for your response, I wrote requesting your group raise my credit score, I provided many repaid loans totaling some {$100000.00} to support my request. \nI did so for two reasons :.\n\n1. I am in need of vehicle to drive XXXX. \n2. I need to purchase a lot to move my RV home onto. It was damaged in storm XXXX, and no parks will accept in present condition, though livable. \nI am not satisfied with your answer, and to such degree I will request further assistance from CFPB, and even file on my own if nothing resolved. I believe there are thousands if not 100 's of thousands people suffering same indignity due to your neglect. \nAdditionally I find it offensive you force me to communicate via standard mail, especially in our era and age of immediate/ social media email, the new standard by any measure. \nI will argue in accordance to the Fair Credit Act, Equal Opportunity Lending that am entitled to fair and reasonable credit score, perhaps even a heightened one having paid/ satisfied some {$100000.00} and that you are obstructing it, and knowingly having provided documentation to your office. \nYour answer states \" We are a consumer credit reporting agency. We receive credit information from businesses that subscribe to our services and directly from the courts. We do not add data from private parties to our files since we would be unable to verify or maintain the data to keep it current '' I believe your answer places your group in violation of a number of laws, and for an number of reasons, The first being the Law of Agency, the ruling of assumption, association, via the determination of purchase power, the assumed profile companies, administrators, public makes about your credit rating determination, and what suggest about me, though I provide evidence to contrary. \nRegards XXXX XXXX","date_sent_to_company":"2017-12-28T15:25:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77539","tags":null,"has_narrative":true,"complaint_id":"2766480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-28T15:17:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Complaint number : <em>XXXX</em> Date submitted to CFPB : <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> Date sent to <em>company</em> : <em>XXXX</em>/<em>XXXX</em>/<em>XXXX</em> Product : Credit reporting, credit repair services, or other personal <em>consumer</em> reports Issue : <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.620685,"2766480"]},{"_index":"complaint-public-v1","_id":"4275185","_score":14.540307,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/XXXX My previous mortgage company XXXX Reported I did not pay XX/XX/XXXX I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan ATTACHMENTS XXXX ( 1.4 MB ) I have never respond to this complaint New complaint XX/XX/XXXX Shellpoint reported on my credit report that I was late reference back to complaint XXXX XXXX drop my points 127 in the process of me purchasing a home due Shellpoint I lost money {$40000.00} I was purchasing house on XX/XX/XXXX I was not able to purchase because my score had Dropped Also Shellpoint attempt to fix my credit over 3 time ask of today XX/XX/XXXX they have not fixed it what they did do is remove them self from my credit report of 30 years of history Show that I never had a lone and pay the property at XXXX XXXX XXXX XXXX XXXX TN XXXX off. Shellpoit Shellpoit bought this paper from XXXX That went into bankruptcy XXXX sent me a letter stating. That this loan should never have came over to them I am requesting {$40000.00} for the property that was lose due Shellpoint Repo incorrect on my report results and dropping my score. Then they removed his self all together for my report refused to give me the credit due to me for the years I have paid the mortgage never respond to any of my requests I am requesting that they replace Shellpoint back on my credit report show paid in full Of 30 years Paid as agreed And to be reimbursed {$40000.00} contract attached XXXX XXXX","date_sent_to_company":"2021-04-06T17:47:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4275185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2021-04-06T17:23:51.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Print complaint CLOSED Submitted STATUS Submitted to the CFPB on <em>XX/XX/XXXX</em> PRODUCT Mortgage ISSUE <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \n\nWe will review your complaint."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["<em>Company</em> believes it acted appropriately as authorized by contract or law"]},"sort":[14.540307,"4275185"]},{"_index":"complaint-public-v1","_id":"8074808","_score":14.511074,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to XXXX, TransUnion and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ Transunion- XXXX ], [ XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXX/XX/2023 - XXXX XXXX TRANSUNION XXXX XX/XX/2023 - TRANSUNION - XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION- XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:56:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-28T22:48:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a <em>Problem</em> with a credit reporting <em>company</em> 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own <em>investigation</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["<em>Company</em> has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.511074,"8074808"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":134,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":134}]}},"product":{"doc_count":134,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":52,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":50},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":34,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":33},{"key":"Credit repair services","doc_count":1}]}},{"key":"Debt collection","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":5},{"key":"I do not know","doc_count":4},{"key":"Other debt","doc_count":3},{"key":"Credit card debt","doc_count":2},{"key":"Medical debt","doc_count":1}]}},{"key":"Mortgage","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":8},{"key":"Other type of mortgage","doc_count":2},{"key":"VA mortgage","doc_count":2},{"key":"FHA mortgage","doc_count":1},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1}]}},{"key":"Checking or savings account","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":3},{"key":"Savings account","doc_count":1}]}},{"key":"Credit card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2},{"key":"Lease","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1},{"key":"Personal line of credit","doc_count":1}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}}]}},"issue":{"doc_count":134,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":37,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":26},{"key":"Investigation took more than 30 days","doc_count":7},{"key":"Problem with personal statement of dispute","doc_count":3},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Incorrect information on your report","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":8},{"key":"Account status incorrect","doc_count":4},{"key":"Old information reappears or never goes away","doc_count":3},{"key":"Account information incorrect","doc_count":2},{"key":"Information is missing that should be on the report","doc_count":2},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":15},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Escrow, taxes, or insurance","doc_count":2},{"key":"Trying to communicate with the company to fix an issue while managing or servicing your loan","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2},{"key":"Debt was paid","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"False statements or representation","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":4}]}},{"key":"Took or threatened to take negative or legal action","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":3}]}},{"key":"Other features, terms, or problems","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1},{"key":"Privacy issues","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":2}]}},{"key":"Written notification about debt","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":3}]}},{"key":"Getting a loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Changes in terms mid-deal or after closing","doc_count":1},{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1},{"key":"Reporting company used your report improperly","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Received bad information about your loan","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Opening an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to open an account","doc_count":1}]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Bounced checks or returned payments","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Problem with additional add-on products or services","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}}]}},"timely":{"doc_count":134,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":132},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":134,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":102},{"key":"Closed with non-monetary relief","doc_count":28},{"key":"Closed with monetary relief","doc_count":4}]}},"submitted_via":{"doc_count":134,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":134}]}},"company":{"doc_count":134,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":24},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":24},{"key":"Experian Information Solutions Inc.","doc_count":23},{"key":"CITIBANK, N.A.","doc_count":5},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"WELLS FARGO & COMPANY","doc_count":3},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":2},{"key":"CORELOGIC INC","doc_count":2},{"key":"Carvana Group, LLC","doc_count":2},{"key":"JPMORGAN CHASE & CO.","doc_count":2},{"key":"LEXISNEXIS","doc_count":2},{"key":"PNC Bank N.A.","doc_count":2},{"key":"Portfolio Recovery Associates, LLC","doc_count":2},{"key":"Shellpoint Partners, LLC","doc_count":2},{"key":"21ST MORTGAGE CORP.","doc_count":1},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"BANK OF NEW YORK MELLON CORPORATION, THE","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Caliber Home Loans, Inc.","doc_count":1},{"key":"Colony Brands, Inc.","doc_count":1},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Fidelity National Information Services, Inc. (FNIS)","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"LD Holdings Group, LLC","doc_count":1},{"key":"Maximus Federal Services, Inc.","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"National Credit Adjusters, LLC","doc_count":1},{"key":"National Credit Systems,Inc.","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Old Republic National Title Holding Co.","doc_count":1},{"key":"PENNYMAC LOAN SERVICES, LLC.","doc_count":1},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Receivables Management Partners, LLC","doc_count":1},{"key":"Remitly, Inc.","doc_count":1},{"key":"Resurgent Capital Services L.P.","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Service Finance Holdings, LLC","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1}]}},"state":{"doc_count":134,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":27},{"key":"TX","doc_count":18},{"key":"GA","doc_count":17},{"key":"LA","doc_count":14},{"key":"FL","doc_count":12},{"key":"OH","doc_count":6},{"key":"IL","doc_count":5},{"key":"AL","doc_count":3},{"key":"AZ","doc_count":3},{"key":"MI","doc_count":3},{"key":"NY","doc_count":3},{"key":"IN","doc_count":2},{"key":"MD","doc_count":2},{"key":"NC","doc_count":2},{"key":"NV","doc_count":2},{"key":"TN","doc_count":2},{"key":"WA","doc_count":2},{"key":"CT","doc_count":1},{"key":"DE","doc_count":1},{"key":"IA","doc_count":1},{"key":"MA","doc_count":1},{"key":"MN","doc_count":1},{"key":"MS","doc_count":1},{"key":"NH","doc_count":1},{"key":"PR","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":134,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":63},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":5},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1}]}},"tags":{"doc_count":134,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":21},{"key":"Older American","doc_count":11}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[14.511074,"8074808"],"3":[12.587289,"15451925"],"4":[9.578223,"17590616"],"5":[7.960268,"6120741"],"6":[5.4377685,"6354302"]}}}