{"took":304,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19694,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13786233","_score":10.905955,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX contacting yall about XXXX  complaint number # XXXX and cfbp complaint number XXXX about yall response I got I have a question on it it was So it havent been report to the other parties on the debit to their credit report as well and its reported to no rental screening report talent agencys or other agency etc?","date_sent_to_company":"2025-05-29T19:00:50.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"17057","tags":null,"has_narrative":true,"complaint_id":"13786233","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2025-05-29T18:53:02.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["My name is XXXX XXXX contacting yall <em>about</em> XXXX  <em>complaint</em> number # XXXX and cfbp <em>complaint</em> number XXXX <em>about</em> yall response I got I have a question on it it was So it havent been <em>report</em> to the <em>other</em> parties on the debit to their <em>credit</em> <em>report</em> as well and its <em>reported</em> to no rental screening <em>report</em> talent agencys or <em>other</em> agency etc?"],"issue":["Written notification <em>about</em> debt"]},"sort":[10.905955,"13786233"]},{"_index":"complaint-public-v1","_id":"8085616","_score":10.24113,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report I file a complaint with the CFPB against XXXX XXXX for violating 15 U.S. Code 1681b, a consumer report containing information about an individual 's child support payments should be kept confidential and only used for specific purposes, such as establishing the individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment. The law explicitly states that this information should not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. The company did not respond to this complaint. They responded with a script about the accuracy of the information which was not the complaint, so therefore, my complaint was never addressed, and I would like for my complaint to be addressed specifically for what I wrote in the complaint. I do not understand how the CFPB can accept this without doing any type of investigation to see whether or not my issue was addressed. My issue was not addressed, and I need for somebody to make sure that the issue that I am reporting is addressed.","date_sent_to_company":"2023-12-31T16:23:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19149","tags":null,"has_narrative":true,"complaint_id":"8085616","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-31T15:59:50.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>COMPLAINT</em> ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT <em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer <em>reports</em> ISSUE Improper use of your <em>report</em> I file a <em>complaint</em> with the CFPB against XXXX XXXX for violating 15 U.S."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[10.24113,"8085616"]},{"_index":"complaint-public-v1","_id":"5217627","_score":10.074242,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX and I'm sending this complaint the current issues on Credit Report. I am not swayed that Experian has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both Experian and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX XXXX Balance : {$3200.00}","date_sent_to_company":"2022-02-14T15:47:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48227","tags":null,"has_narrative":true,"complaint_id":"5217627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-14T15:26:31.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My name is XXXX XXXX XXXX and I'm sending this <em>complaint</em> the current issues on <em>Credit</em> <em>Report</em>. I am not swayed that Experian has investigated this account properly. Their investigation <em>about</em> this account was totally incorrect. I am not seeing this account to any of the <em>other</em> <em>credit</em> bureaus which were so odd. I believed they have not reached out to the furnisher to validate."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[10.074242,"5217627"]},{"_index":"complaint-public-v1","_id":"5050493","_score":9.924848,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a request on XX/XX/XXXX with the three credit bureaus. On XX/XX/XXXX I sent them another letter stating. I have no heard a response. I sent a complaint to the CFPB and this morning. I received a response about other dates in XXXX when I had disputed this complaint. The information was not accurate. There was nothing about my complaints I sent on XX/XX/XXXX. Therefore, this information must be removed from my credit report. It has been well over the 30 days from my complaint on XX/XX/XXXX. Please remove from my report. I received information from the credit bureau they received my recent complaint but no results.","date_sent_to_company":"2022-01-14T13:19:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"5050493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2021-12-28T12:15:51.000Z","state":"DE","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I submitted a request on XX/XX/XXXX with the three <em>credit</em> bureaus. On XX/XX/XXXX I sent them another letter stating. I have no heard a response. I sent a <em>complaint</em> to the CFPB and this morning. I received a response <em>about</em> <em>other</em> dates in XXXX when I had disputed this <em>complaint</em>. The information was not accurate. There was nothing <em>about</em> my <em>complaints</em> I sent on XX/XX/XXXX. Therefore, this information must be removed from my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.924848,"5050493"]},{"_index":"complaint-public-v1","_id":"9205004","_score":9.883571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The CFPB is not allowing my complaints to be shown on my portal after logging out then logging back in and the submission to the company in question, will not get there in a proper matter so they don't response, the arbitrator will see my attempt to resolve this criminal issue done by Equifax and now it shows how you THE CFPB is mad as well that I included you in the complaint. I DID BECAUSE EQUIFAX LIED AND RESPONSED ABOUT MY XXXX ACCOUNT AND IT HAD NOTHING TO DO WITH MY COMPLIANT. I don't care about how you all feel, just as much as you all don't care about me, the information you all are uploading to my report which is a violation of The Privacy Act of 1974 and the securitization of the debt, in which you as a company is profiting from. THAT'S UNDENIABLE UNAUTHORIZED USE. \n\nEquifax is violating THE PRIVACY ACT OF 1974 by uploading information to my credit report and credit file. Equifax is securitizing the debt that is listed on their file about me. They responded about my XXXX account, which had nothing to do with the complaint. COMPLIANT # XXXX. The XXXX account is not listed nowhere on my report. When I login to my XXXX account, it better not have a error when I gain access. If I do, that will be another thing I WILL GET YOU FOR LEGALLY, they will say ; her initial complaint had nothing to do with her XXXX account but yet you incorporated it into your response back to her. How will you explain, I can, you are a criminal organization. Equifax have not taken my complaint seriously so it leaves me to take my certified forensic audit that I have in hand and take you to XXXX and allow the arbitrator to see your lies and deception. What your company is doing is XXXX  and you are a XXXX  organization. Equifax business tactics is not what is stated on their file with the security exchange. When the arbitrator ask did I try to resolve this before we get there, I will show my evidence and this DISGUSTING securitization audit. Now I will definitely get 100 % of it. EQUIFAX is operating as a XXXX  organization and other companies are in XXXX  with each other to allow Equifax to be this financial criminal. They are misappropriating my credit file for their criminal financial gain. They disregarded my entire complaint to make up another subject to answer to, unprofessional and unproductive for this issue to be resolved. To make it better for me, please erase the financial information you have about me and say I'm lying and when you do EQUIFAX, after that I will win and I WILL NOT SIGN AN XXXX, I'm going to shout to the roof tops that you are doing this to consumers and make sure each consumer knows not to engage in a class action lawsuit against your company and learn the key points of your prospectus, Arbitration manual, XXXX bond #, and XXXX XXXX info. I WILL BE whistleblowing to the security exchange about your criminal organization of a company and it will have portions of MY CERTIFIED SECURITIZATION AUDIT, uploaded to them. I made sure it was one that your company can't get thrown out. You made me happy with your XXXX response you tried to get away with. And for the CFPB, you saw my complaint and you knew they didn't answer correctly and CHANGED MY SUBJECT OF MY COMPLAINT but I have something for you as well because it's clear you are in cahoots with EQUIFAX and other entities, to not have consumers complaints really answered of what they really complained about. Instead you CFPB allow these companies to come up with their own narrative off what the consumer is complaining about. Everything will be in common law and not Admiralty law. I will definitely include all other complaints that subjects were CHANGED to not resolve an issue that the consumer is stating about particular companies. And to make sure other consumers can see my complaint I will upload this response. If you Equifax place it as a duplicate complaint which it is not because it was never answered, not your made up subject you answered, it will definitely catapult me to a victorious win over YOU. I've been reading non-stop about your criminal organization and I can wait to have everyone realize you are not here for the betterment of the consumer ; you have a consumer credit file report and credit report that you are securitizing to gain financial assets off the backs of consumer you have listed in your company. Shameful. Lastly, I will most definitely WHISTLEBLOW to the Internal Revenue Service XXXX IRS about your criminal organization, that is affecting consumers to gain access to credit for personal needs and no other.\n\n15 USC 1602 ( p ) - unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. \n\nAny card is a credit card, according to 15 USC 1602 ( l ) means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Even my SSN card is a credit card. Don't you have my SSN on file with your company. \n\nI can tie all of this together legally. \n\nFYI, also the person who is responding to the complaints needs to be present so they can help you put yourself in a deeper hole. \n\nCertified forensic audit or securitization audit are the best play for consumers for companies like you. Ask yourself how long have you been doing this to my file, I KNOW I KNOW.","date_sent_to_company":"2024-06-11T13:52:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"9205004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-07T15:29:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I don't care <em>about</em> how you all feel, just as much as you all don't care <em>about</em> me, the information you all are uploading to my <em>report</em> which is a violation of The Privacy Act of 1974 and the securitization of the debt, in which you as a company is profiting from. THAT'S UNDENIABLE UNAUTHORIZED USE. \n\nEquifax is violating THE PRIVACY ACT OF 1974 by uploading information to my <em>credit</em> <em>report</em> and <em>credit</em> file. Equifax is securitizing the debt that is listed on their file <em>about</em> me."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.883571,"9205004"]},{"_index":"complaint-public-v1","_id":"4954824","_score":9.825342,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  / XXXX {$0.00} XXXX -Balance {$2000.00}","date_sent_to_company":"2021-11-29T14:04:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19150","tags":null,"has_narrative":true,"complaint_id":"4954824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-29T13:58:59.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am XXXX XXXX and I am submitting this <em>complaint</em> myself and there is no third party involved. Equifax <em>Credit</em> bureau has failed to respond <em>about</em> the removal of the erroneous information <em>about</em> my accounts. Sending them the last <em>complaint</em> last time and I have not received any response up to this date. On the <em>other</em> hand, inaccuracies <em>about</em> my accounts are continuously <em>reported</em> on my <em>Credit</em> <em>Report</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.825342,"4954824"]},{"_index":"complaint-public-v1","_id":"3421434","_score":9.81798,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a complaint with you regarding information on my three credit reports. I provided proof/evidence that one of the three credit reporting bureaus removed the information. I sent a complaint to you because the other two did not follow suit. You contacted TransUnion and their reply was that this had already been disputed, but they did not discuss the 'new information ' meaning proof that XXXX had removed the information from my credit report. Matter-of-fact, their letter says nothing about the new information ; it just talks about the old dispute. I am passing my complaint because TransUnion did not reviewal on the new information.","date_sent_to_company":"2019-10-29T18:46:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85013","tags":null,"has_narrative":true,"complaint_id":"3421434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-10-29T18:39:15.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I submitted a <em>complaint</em> with you regarding information on my three <em>credit</em> <em>reports</em>. I provided proof/evidence that one of the three <em>credit</em> <em>reporting</em> bureaus removed the information. I sent a <em>complaint</em> to you because the <em>other</em> two did not follow suit. You contacted TransUnion and their reply was that this had already been disputed, but they did not discuss the 'new information ' meaning proof that XXXX had removed the information from my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.81798,"3421434"]},{"_index":"complaint-public-v1","_id":"5396572","_score":9.810978,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello, I submitted Complaint XXXX on XX/XX/2022, against Equifax. Equifax responded today. Equifax responded to my complaint as quoted, \" In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. '' Equifax did not even read my complaint. My complaint was not about a furnisher. My complaint is about EQUIFAX. Equifax is reporting wrong data. NOT THE FURNISHERS! My Equifax ANNUAL REPORT and myequifax Dispute Center report is reporting the wrong AGE OF THE ACCOUNTS. THIS IS SERIOUS. Equifax can not continue to report bad data and ignore the problem. This is ridiculous. \n\nI have also been paying monthly for a credit monitoring daily report when the data is always wrong. I am going to contact the CEO and other government agencies about this serious issue. \n\nHow is Equifax getting away with not even addressing issues? I am going to notify people about this issue until someone finally understands the seriousness.","date_sent_to_company":"2022-04-01T14:48:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28277","tags":null,"has_narrative":true,"complaint_id":"5396572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-01T14:31:22.000Z","state":"NC","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have also been paying monthly for a <em>credit</em> monitoring daily <em>report</em> when the data is always wrong. I am going to contact the CEO and <em>other</em> government agencies <em>about</em> this serious issue. \n\nHow is Equifax getting away with not even addressing issues? I am going to notify people <em>about</em> this issue until someone finally understands the seriousness."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.810978,"5396572"]},{"_index":"complaint-public-v1","_id":"6414397","_score":9.790046,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I just want to file a complaint against Equifax My credit reports in the other company is good But my credit report is always go low with them My credit score in the other agency is XXXX but with equifax is XXXX Although I have no collections or any account open no late payments I have 2 open credit But it is not mentioned in my report They always keep other information that have been existing or incorrect information about me they have accounts 12 years ago","date_sent_to_company":"2023-01-10T01:44:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23220","tags":null,"has_narrative":true,"complaint_id":"6414397","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-10T01:27:59.000Z","state":"VA","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I just want to file a <em>complaint</em> against Equifax My <em>credit</em> <em>reports</em> in the <em>other</em> company is good But my <em>credit</em> <em>report</em> is always go low with them My <em>credit</em> score in the <em>other</em> agency is XXXX but with equifax is XXXX Although I have no collections or any account open no late payments I have 2 open <em>credit</em> But it is not mentioned in my <em>report</em> They always keep <em>other</em> information that have been existing or incorrect information <em>about</em> me they have accounts 12 years ago"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[9.790046,"6414397"]},{"_index":"complaint-public-v1","_id":"2033865","_score":9.760659,"_source":{"product":"Credit reporting","complaint_what_happened":"CFPB Complaint Experian XXXX/XXXX/16 Account XXXX XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Experian Credit Report, or any other credit report for this account, no address or other name. \n\nIn the past I attempted to contact this other company XXXX XXXX, that XXXX XXXX keeps insisting I do. I sent a request to this other company certified/return receipt mail, they never responded to my direct dispute. They did however immediately take action to sue me. ( See CFPB complaint XXXX ) XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX XXXX # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. \nRelief We received your complaint about XXXX XXXX XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. \n\nAttached : letter direct dispute XXXX XXXX XXXX. Certified/return receipt/mail, Response from XXXX XXXX, Experian Credit report and this letter of this CFPB dispute","date_sent_to_company":"2016-07-27T19:11:45.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"85635","tags":null,"has_narrative":true,"complaint_id":"2033865","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-07-27T19:11:45.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["Please visit XXXX for frequently asked questions <em>about</em> your <em>credit</em> <em>report</em>. \nRelief We received your <em>complaint</em> <em>about</em> XXXX XXXX XXXX # XXXX in your <em>credit</em> <em>report</em>, and apologize for any difficulty you may have experienced. The item identified in your <em>complaint</em> has been deleted. \n\nAttached : letter direct dispute XXXX XXXX XXXX. Certified/return receipt/mail, Response from XXXX XXXX, Experian <em>Credit</em> <em>report</em> and this letter of this CFPB dispute"],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["<em>Credit</em> <em>reporting</em> company's investigation"]},"sort":[9.760659,"2033865"]},{"_index":"complaint-public-v1","_id":"4957831","_score":9.754653,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them the last complaint dated from XX/XX/2021 to the present, I have not received any response up to this date. On the other hand, inaccuracies about my inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned inquiry that is still reporting on my reports : XXXX Inquired on XX/XX/2021 XXXX","date_sent_to_company":"2021-11-29T21:55:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19132","tags":null,"has_narrative":true,"complaint_id":"4957831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-29T21:47:31.000Z","state":"PA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am XXXX XXXX and I am submitting this <em>complaint</em> myself and there is no third party involved. Equifax <em>Credit</em> bureau has failed to respond <em>about</em> the removal of the erroneous information <em>about</em> my inquiry. Sending them the last <em>complaint</em> dated from XX/XX/2021 to the present, I have not received any response up to this date. On the <em>other</em> hand, inaccuracies <em>about</em> my inquiry are continuously <em>reported</em> on my <em>Credit</em> <em>Report</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.754653,"4957831"]},{"_index":"complaint-public-v1","_id":"10573593","_score":9.73375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filed complaint about inaccurate information on my credit report. The bureaus did not take any action. If they continued ignoring my complaint I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and other personal information for your reference.","date_sent_to_company":"2024-10-26T03:09:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27332","tags":null,"has_narrative":true,"complaint_id":"10573593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-26T02:56:44.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have filed <em>complaint</em> <em>about</em> inaccurate information on my <em>credit</em> <em>report</em>. The bureaus did not take any action. If they continued ignoring my <em>complaint</em> I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and <em>other</em> personal information for your reference."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.73375,"10573593"]},{"_index":"complaint-public-v1","_id":"10573592","_score":9.72451,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filed complaint about inaccurate information on my credit report. The bureaus did not take any action. If they continued ignoring my complaint I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and other personal information for your reference.","date_sent_to_company":"2024-10-26T03:09:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27332","tags":null,"has_narrative":true,"complaint_id":"10573592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-26T03:09:08.000Z","state":"NC","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":["I have filed <em>complaint</em> <em>about</em> inaccurate information on my <em>credit</em> <em>report</em>. The bureaus did not take any action. If they continued ignoring my <em>complaint</em> I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and <em>other</em> personal information for your reference."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.72451,"10573592"]},{"_index":"complaint-public-v1","_id":"10573591","_score":9.724359,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filed complaint about inaccurate information on my credit report. The bureaus did not take any action. If they continued ignoring my complaint I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and other personal information for your reference.","date_sent_to_company":"2024-10-26T03:09:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27332","tags":null,"has_narrative":true,"complaint_id":"10573591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-26T03:09:08.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have filed <em>complaint</em> <em>about</em> inaccurate information on my <em>credit</em> <em>report</em>. The bureaus did not take any action. If they continued ignoring my <em>complaint</em> I have no option but to file a lawsuit against them. Herewith I attached my letters, ID and <em>other</em> personal information for your reference."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.724359,"10573591"]},{"_index":"complaint-public-v1","_id":"15328813","_score":9.678979,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against Experian for reporting inaccurate and inconsistent information on my credit report. \n\nThe account in question is : Creditor : XXXX XXXX ( XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Experian is reporting a late payment on this account. However, this same account is not reported as late by TransUnion or other credit bureaus, which indicates a discrepancy in the accuracy of the data being reported. \nI have already submitted prior disputes to Experian and to the creditor directly. Despite this, the negative information remains unchanged in Experians system, without proper verification or explanation.\n\nUnder the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to ensure the information they report is accurate, complete, and verifiable. Reporting a late payment on only one bureau, while others do not reflect it, raises serious concerns about Experians data handling and investigation process. \n\nXXXX XXXX confirmed that the information is correct by a complaint that I submitted about this same account on XX/XX/year>, complaint # XXXX. This means that if the information was corrected by XXXX XXXX why Experian keep reporting a late payment for this same account?","date_sent_to_company":"2025-08-16T19:15:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"18103","tags":null,"has_narrative":true,"complaint_id":"15328813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-16T18:52:38.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>credit</em> bureaus are obligated to ensure the information they <em>report</em> is accurate, complete, and verifiable. <em>Reporting</em> a late payment on only one bureau, while <em>others</em> do not reflect it, raises serious concerns <em>about</em> Experians data handling and investigation process. \n\nXXXX XXXX confirmed that the information is correct by a <em>complaint</em> that I submitted <em>about</em> this same account on XX/XX/year>, <em>complaint</em> # XXXX."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.678979,"15328813"]},{"_index":"complaint-public-v1","_id":"3751514","_score":9.670612,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I filed a complaint on XX/XX/20 regarding the problem with a Home Depot card that is handled by Citibank. They have not straightened this out. They are telling me that the other fraud charge is still outstanding and there is a payment coming due. They are still showing the balance due on my credit report and giving us the run around about removing it from our credit report. The original complaint number was XXXX.","date_sent_to_company":"2020-07-18T06:32:29.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"Store credit card","zip_code":"32940","tags":"Servicemember","has_narrative":true,"complaint_id":"3751514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-07-18T02:23:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I filed a <em>complaint</em> on XX/XX/20 regarding the problem with a Home Depot card that is handled by Citibank. They have not straightened this out. They are telling me that the <em>other</em> fraud charge is still outstanding and there is a payment coming due. They are still showing the balance due on my <em>credit</em> <em>report</em> and giving us the run around <em>about</em> removing it from our <em>credit</em> <em>report</em>. The original <em>complaint</em> number was XXXX."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"],"sub_issue":["<em>Credit</em> card company isn't resolving a dispute <em>about</em> a purchase on your statement"]},"sort":[9.670612,"3751514"]},{"_index":"complaint-public-v1","_id":"5680633","_score":9.668746,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.","date_sent_to_company":"2022-06-17T19:35:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53220","tags":null,"has_narrative":true,"complaint_id":"5680633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-17T19:35:18.000Z","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":["So I sent out a letter to the three major <em>credit</em> bureaus <em>about</em> 3 months ago and didnt hear back from them. I decided to submit a <em>complaint</em> with the CFPB and only one <em>credit</em> bureau decided to actually fix the incorrect <em>reporting</em> while it seems the <em>other</em> bureaus do not care <em>about</em> the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the <em>other</em> delete nothing at all. Im confused at how this can continue to distrubt my life."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.668746,"5680633"]},{"_index":"complaint-public-v1","_id":"5680636","_score":9.661529,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.","date_sent_to_company":"2022-06-17T19:35:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53220","tags":null,"has_narrative":true,"complaint_id":"5680636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-17T18:59:53.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["So I sent out a letter to the three major <em>credit</em> bureaus <em>about</em> 3 months ago and didnt hear back from them. I decided to submit a <em>complaint</em> with the CFPB and only one <em>credit</em> bureau decided to actually fix the incorrect <em>reporting</em> while it seems the <em>other</em> bureaus do not care <em>about</em> the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the <em>other</em> delete nothing at all. Im confused at how this can continue to distrubt my life."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.661529,"5680636"]},{"_index":"complaint-public-v1","_id":"5680634","_score":9.658234,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.","date_sent_to_company":"2022-06-17T19:35:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53220","tags":null,"has_narrative":true,"complaint_id":"5680634","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-17T19:35:18.000Z","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":["So I sent out a letter to the three major <em>credit</em> bureaus <em>about</em> 3 months ago and didnt hear back from them. I decided to submit a <em>complaint</em> with the CFPB and only one <em>credit</em> bureau decided to actually fix the incorrect <em>reporting</em> while it seems the <em>other</em> bureaus do not care <em>about</em> the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the <em>other</em> delete nothing at all. Im confused at how this can continue to distrubt my life."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[9.658234,"5680634"]},{"_index":"complaint-public-v1","_id":"10719837","_score":9.6517105,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit reports never showed my mortgage ( transferred/purchased XX/XX/XXXX ). The original lender was Gateway Mortgage. I filed a bankruptcy in about XXXX. I filed a reaffirmation agreement with the court and Gateway Mortgage. \n\nOn XX/XX/XXXX I called the Gateway customer service line and was transferred to another department dealing with credit reporting. I was told that they would not do anything about my complaint until I contacted all the major credit reporting bureaus and filed a complaint with them. \n\nI contacted CFPB and attached the reaffirmation agreement. ( FYI, the other mortgage companies which serviced my loan gave me instructions on how to file the complaint with their company and said they would then research it and take care of the results )","date_sent_to_company":"2024-11-06T15:28:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"766XX","tags":null,"has_narrative":true,"complaint_id":"10719837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GATEWAY FIRST BANK","date_received":"2024-11-06T14:57:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["I was told that they would not do anything <em>about</em> my <em>complaint</em> until I contacted all the major <em>credit</em> <em>reporting</em> bureaus and filed a <em>complaint</em> with them. \n\nI contacted CFPB and attached the reaffirmation agreement. ( FYI, the <em>other</em> mortgage companies which serviced my loan gave me instructions on how to file the <em>complaint</em> with their company and said they would then research it and take care of the results )"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[9.6517105,"10719837"]},{"_index":"complaint-public-v1","_id":"2091714","_score":9.645018,"_source":{"product":"Credit reporting","complaint_what_happened":"This is my second complaint about the same investigation that equfiax has claimed it verified with a debt collection company that i had filed a complaint on with CFPB Complaint number XXXX which Equifax claims is correct and was verified. However, XXXX was unable to verify the information that Equifax claimed that trident verified. They did n't even show proof of verification other than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax credit report, my original complaint XXXX which Equifax lied about that they verified, and my complaint against trident in which they admit that this was incorrect and have requested deletion off my reports with cfpb complaint number XXXX. I demand they remove this item off my credit report and review their so called \" Verification Procedures '' which obviously are not true.","date_sent_to_company":"2016-09-01T19:02:40.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"2091714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-09-01T19:02:40.000Z","state":"CA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["They did n't even show proof of verification <em>other</em> than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax <em>credit</em> <em>report</em>, my original <em>complaint</em> XXXX which Equifax lied <em>about</em> that they verified, and my <em>complaint</em> against trident in which they admit that this was incorrect and have requested deletion off my <em>reports</em> with cfpb <em>complaint</em> number XXXX."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["<em>Credit</em> <em>reporting</em> company's investigation"]},"sort":[9.645018,"2091714"]},{"_index":"complaint-public-v1","_id":"4954830","_score":9.604934,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  XXXX-Balance {$0.00} XXXXXXXX XXXX XXXX-Balance {$0.00} XXXX-Balance {$2000.00} XXXX XXXXBalance {$25000.00}","date_sent_to_company":"2021-11-29T13:56:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19150","tags":null,"has_narrative":true,"complaint_id":"4954830","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-11-29T13:40:37.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This is XXXX XXXX who is submitting this CFPB <em>complaint</em> myself and to inform you that there is no third party involved in the process. Transunion <em>Credit</em> bureau has failed to respond <em>about</em> the removal of the erroneous information <em>about</em> my accounts. Sending them the last <em>complaint</em> last time and I have not received any response up to this date. On the <em>other</em> hand, inaccuracies <em>about</em> my accounts are continuously <em>reported</em> on my <em>Credit</em> <em>Report</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[9.604934,"4954830"]},{"_index":"complaint-public-v1","_id":"13286132","_score":9.572589,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not swayed that XXXX  has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. \nTherefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from XXXX. Make sure to explain the outcome of your investigation about this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-02T01:27:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"13286132","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NEW YORK COMMUNITY BANCORP INC","date_received":"2025-05-02T01:06:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Their investigation <em>about</em> this account was totally incorrect. I am not seeing this account to any of the <em>other</em> <em>credit</em> bureaus which were so odd. I believe they have not reached out to the furnisher to validate. \nTherefore, I have sent out a couple of written <em>complaints</em> to raise this concern but <em>other</em> than the <em>credit</em> <em>report</em> I have, I have never heard any feedback from XXXX. Make sure to explain the outcome of your investigation <em>about</em> this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[9.572589,"13286132"]},{"_index":"complaint-public-v1","_id":"13274201","_score":9.571948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am not swayed that NAVY FEDERAL CREDIT has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from NAVY FEDERAL CREDIT. Make sure to explain the outcome of your investigation about this account : NAVY FEDERAL CREDIT XXXX DATE OPENED XX/XX/year>","date_sent_to_company":"2025-05-02T00:58:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"13274201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-05-02T00:49:39.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am not swayed that NAVY FEDERAL <em>CREDIT</em> has investigated this account properly. Their investigation <em>about</em> this account was totally incorrect. I am not seeing this account to any of the <em>other</em> <em>credit</em> bureaus which were so odd. I believe they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written <em>complaints</em> to raise this concern but <em>other</em> than the <em>credit</em> <em>report</em> I have, I have never heard any feedback from NAVY FEDERAL <em>CREDIT</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[9.571948,"13274201"]},{"_index":"complaint-public-v1","_id":"5244675","_score":9.569348,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am not swayed that Credit Bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the Credit Bureaus and the creditor. 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