{"took":149,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":257,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3264025","_score":19.380592,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report This is to add some information about experian, and XXXX  credit reporting agencies After speaking with a rep at Experian they said the account was opened by XXXX XXXX","date_sent_to_company":"2019-06-04T19:59:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14150","tags":null,"has_narrative":true,"complaint_id":"3264025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-06-04T19:40:57.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>COMPLAINT</em> ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> ISSUE Incorrect information on your <em>report</em> This is to add some information <em>about</em> experian, and XXXX  <em>credit</em> <em>reporting</em> agencies After speaking with a rep at Experian they said the account was opened by XXXX XXXX"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[19.380592,"3264025"]},{"_index":"complaint-public-v1","_id":"3172425","_score":17.813814,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received this statement from Equifax about removing the public record on my credit report, they said that I used a credit repair company. This is an assumption that is false and inaccurate. I did my own dispute on the cfpb website. \n\n\nThe company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/personal/disputes if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising \" credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.","date_sent_to_company":"2019-03-07T18:04:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"3172425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-03-07T17:53:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["COMPANY 'S INTERIM RESPONSE Thank you for submitting your <em>complaint</em> on XX/XX/2019 through the CFPB <em>Complaint</em> Portal. We reviewed the information you supplied. In your <em>complaint</em>, you indicated there are inaccurate or incomplete items appearing on your Equifax <em>credit</em> <em>report</em>. The format and verbiage of this <em>complaint</em> is similar to <em>other</em> <em>complaints</em> received from consumers utilizing the services of a <em>credit</em> <em>repair</em> company."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":["Problem with <em>personal</em> statement of dispute"]},"sort":[17.813814,"3172425"]},{"_index":"complaint-public-v1","_id":"13994567","_score":17.14536,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : Problem with a credit reporting companys investigation into an existing problem What is your complaint about? \nI am unable to access my Experian credit report or contact their customer support. Experian is reporting information on my credit file, yet they have restricted my access unless I become a paid member, which is both unethical and possibly unlawful. \n\nI attempted to use their online portal, including XXXX, but the report is inaccessible and I received an error message. I also tried calling their customer service number, but it automatically disconnects me after directing me to try again later. \n\nAt this point, I am being denied my legal right to access and review the information being reported about me, and I have no way of verifying its accuracy or disputing errors.","date_sent_to_company":"2025-06-10T18:51:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"13994567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-10T18:47:18.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> Sample <em>Credit</em> <em>Report</em> Access Blocked by Experian <em>Complaint</em> Type : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> Sub-category : Problem with a <em>credit</em> <em>reporting</em> companys investigation into an existing problem What is your <em>complaint</em> <em>about</em>? \nI am unable to access my Experian <em>credit</em> <em>report</em> or contact their customer support."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.14536,"13994567"]},{"_index":"complaint-public-v1","_id":"6323607","_score":15.843897,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Transunion Credit Bureau but they failed to give me any results or feedbacks about this concern. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have this account repaired for once : XXXX XXXX  XXXX XXXX","date_sent_to_company":"2022-12-16T01:48:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91324","tags":null,"has_narrative":true,"complaint_id":"6323607","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-12-16T01:37:11.000Z","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":["This is not a duplicate nor is this <em>complaint</em> filed by a third party. I am filing this <em>complaint</em> myself. Please see this <em>complaint</em> is processed to the letter of the law. The account is inaccurately and erroneously <em>reported</em>. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Transunion <em>Credit</em> Bureau but they failed to give me any results or feedbacks <em>about</em> this concern."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[15.843897,"6323607"]},{"_index":"complaint-public-v1","_id":"4412271","_score":15.031601,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America has inappropriately removed funds from my personal checking account over 15 times. In several specific instances, this has resulted in my account being overdrawn and unable to pay recurring bills. Bank of America has hurt my credit, my financial relationships, and my ability to create banking relationships with other banks and lenders. I have complained several times about this issue, and have asked Bank of America to help me fix my credit. They have admitted to this error in writing, however the problem has not been fixed and the repercussions of my late payments continue to severely impact my credit score with all three credit bureaus. Never before have I been late on a payment, nor have I ever had any negative reporting on my credit file. I am filing this complaint, because Bank of America has not agreed to repair or fairly report my credit score, and they have damaged me and my family 's financial life.","date_sent_to_company":"2021-05-28T05:06:46.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"945XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4412271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-05-28T00:54:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["They have admitted to this error in writing, however the problem has not been fixed and the repercussions of my late payments continue to severely impact my <em>credit</em> score with all three <em>credit</em> bureaus. Never before have I been late on a payment, nor have I ever had any negative <em>reporting</em> on my <em>credit</em> file. I am filing this <em>complaint</em>, because Bank of America has not agreed to <em>repair</em> or fairly <em>report</em> my <em>credit</em> score, and they have damaged me and my family 's financial life."]},"sort":[15.031601,"4412271"]},{"_index":"complaint-public-v1","_id":"5838899","_score":14.906603,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. \n\nThe bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. \n\nYour agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this \" Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. \n\nI would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. \n\nThank You XXXX XXXX","date_sent_to_company":"2022-08-03T11:56:52.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"68130","tags":null,"has_narrative":true,"complaint_id":"5838899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-03T11:38:19.000Z","state":"NE","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":["Referring to the following : <em>COMPLAINT</em> ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> ISSUE Problem with a <em>credit</em> <em>reporting</em> company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the <em>credit</em> <em>report</em> they used in my <em>credit</em> denial to XXXX  on XX/XX/2022."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"sub_product":["<em>Other</em> <em>personal</em> consumer <em>report</em>"]},"sort":[14.906603,"5838899"]},{"_index":"complaint-public-v1","_id":"5273937","_score":14.693132,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax knowingly altered my name despite legal documents verifying my name and identity. They emailed the wrong last name and refused to update their records. Faxes and physical mail were sent with drivers license and SS card yet they are the only credit reporting agency refusing to acknowledge the fact that they have the wrong name. I also disputed an address that they refuse to update. Both the name and address are associated with an ex-husband. Divorced almost ten years. I am XXXX ( the one and only ) not a representative I am genuinely concerned as a DV survivor about their business practices. \n\nMost recent fax sent XX/XX/XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. \nWe reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. \n\nCompanies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports","date_sent_to_company":"2022-03-01T21:00:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5273937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-01T20:50:10.000Z","state":"NY","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>COMPLAINT</em> ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Personal</em> information incorrect"]},"sort":[14.693132,"5273937"]},{"_index":"complaint-public-v1","_id":"6724006","_score":14.564616,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The Federal Trade Commission has referred this case back to CFPB. \nPlease assist to get this merchant to remove the remark. \nXXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report 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 On or about XX/XX/XXXX, US Bank accessed by credit report without my authorization. US Bank sent a credit card unauthorized that I destroyed. Contacted credit reporting agency XXXX XXXX and US Bank XX/XX/XXXX by mail to remove the hard inquiry. No response to clear my credit reports XXXX XXXX nor XXXX and XXXX of the hard inquiry from my reports. \n\nATTACHMENTS XXXX Inquiry.PDF ( XXXX KB ) View full complaint Closed STATUS Contact another agency After our review, we found that the best agency to help you with your issue is Federal Reserve Board. If you would like to submit your complaint with Federal Reserve Board, contact them directly at or call. \n\n\nADDITIONAL TOOLS AND RESOURCES Credit Reports and Scores","date_sent_to_company":"2023-03-21T02:36:07.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"6724006","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-03-21T02:03:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> ISSUE Improper use of your <em>report</em> We received your <em>complaint</em>. Thank you. \nWe will review your <em>complaint</em>."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[14.564616,"6724006"]},{"_index":"complaint-public-v1","_id":"5773526","_score":14.462753,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address. It was never my address. \n\nIn response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to XXXX for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX XXXX. They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nXXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-14T13:32:38.000Z","state":"DC","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":["SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> ISSUE Incorrect information on my <em>report</em> My <em>complaint</em> asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[14.462753,"5773526"]},{"_index":"complaint-public-v1","_id":"7359484","_score":14.321089,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn XXXX my personal and financial information was exposed as part of the widely-publicized Equifax data breach. Like many other unsuspecting Americans, I entrusted Equifax with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. \nIn my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. \nI have made numerous attempts to have these fraudulent accounts removed. \nDespite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. \nThe emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly anxious about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. \nThe lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. \nI hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.","date_sent_to_company":"2023-08-06T20:02:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29526","tags":"Servicemember","has_narrative":true,"complaint_id":"7359484","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-06T19:56:13.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I, XXXX XXXX, am submitting this <em>complaint</em> in light of the negligent actions of the <em>credit</em> bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn XXXX my <em>personal</em> and financial information was exposed as part of the widely-publicized Equifax data breach. Like many <em>other</em> unsuspecting Americans, I entrusted Equifax with my private data, believing that they would safeguard it diligently."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.321089,"7359484"]},{"_index":"complaint-public-v1","_id":"7359710","_score":14.301936,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn 2017, my personal and financial information was exposed as part of the widely-publicized XXXX data breach. Like many other unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. \nIn my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. \nI have made numerous attempts to have these fraudulent accounts removed. \nDespite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. \nThe emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly XXXX about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. \nThe lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. \nI hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.","date_sent_to_company":"2023-08-06T18:29:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29526","tags":"Servicemember","has_narrative":true,"complaint_id":"7359710","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-06T18:15:23.000Z","state":"SC","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, XXXX XXXX, am submitting this <em>complaint</em> in light of the negligent actions of the <em>credit</em> bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn 2017, my <em>personal</em> and financial information was exposed as part of the widely-publicized XXXX data breach. Like many <em>other</em> unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.301936,"7359710"]},{"_index":"complaint-public-v1","_id":"7359699","_score":14.301936,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn 2017, my personal and financial information was exposed as part of the widely-publicized XXXX data breach. Like many other unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. \nIn my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. \nI have made numerous attempts to have these fraudulent accounts removed. \nDespite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. \nThe emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly XXXX about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. \nThe lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. \nI hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.","date_sent_to_company":"2023-08-06T18:29:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29526","tags":"Servicemember","has_narrative":true,"complaint_id":"7359699","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-06T18:29:13.000Z","state":"SC","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, XXXX XXXX, am submitting this <em>complaint</em> in light of the negligent actions of the <em>credit</em> bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn 2017, my <em>personal</em> and financial information was exposed as part of the widely-publicized XXXX data breach. Like many <em>other</em> unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.301936,"7359699"]},{"_index":"complaint-public-v1","_id":"7359698","_score":14.301936,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, am submitting this complaint in light of the negligent actions of the credit bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn 2017, my personal and financial information was exposed as part of the widely-publicized XXXX data breach. Like many other unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently. This exposure left me vulnerable, a fact I became painfully aware of when I began to notice suspicious entries on my credit report. \nIn my efforts to address these concerns, I sought the help of a credit repair agency. Tragically, this endeavor only deepened my troubles. Unbeknownst to me at the time of engagement, this agency was a fraudulent entity, aiming to exploit individuals like myself. As a result, they not only failed to repair my credit but utilized my already compromised information to open several unauthorized accounts, exacerbating the damage to my credit standing. \nI have made numerous attempts to have these fraudulent accounts removed. \nDespite taking these necessary actions, the response from the credit bureaus has been disheartening. They have either dismissed my claims or provided only generic responses that do not address the core issue. \nThe emotional and financial strain this situation has placed upon me is immeasurable. Not only am I constantly XXXX about further financial violations, but my ability to undertake basic financial activities, such as securing loans or applying for housing, has been severely compromised. \nThe lack of accountability and urgency from the credit bureaus in correcting their records stands in stark contrast to the trust consumers are expected to place in them. I, and many others, depend on these agencies to maintain an accurate reflection of our financial history. Their current approach not only damages individual lives but also undermines the very essence of trust in our financial system. \nI hope the CFPB will recognize the severity of my predicament and take swift action. It's essential not just for my peace of mind but for the larger message it sends about the importance of consumer rights and the responsibilities of credit reporting agencies. I am hopeful that with the intervention of the CFPB, I can finally find a resolution and move forward.","date_sent_to_company":"2023-08-06T18:29:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29526","tags":"Servicemember","has_narrative":true,"complaint_id":"7359698","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-06T18:29:13.000Z","state":"SC","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, XXXX XXXX, am submitting this <em>complaint</em> in light of the negligent actions of the <em>credit</em> bureaus in their failure to promptly address and rectify the fraudulent accounts opened under my name. \nIn 2017, my <em>personal</em> and financial information was exposed as part of the widely-publicized XXXX data breach. Like many <em>other</em> unsuspecting Americans, I entrusted XXXX with my private data, believing that they would safeguard it diligently."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.301936,"7359698"]},{"_index":"complaint-public-v1","_id":"5773528","_score":14.201476,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to TransUnion Response to Credit Reporting Complaint TRANSUNION RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX  claimant as being my recent address. It was never my address. \n\nIn response to my complaint, TransUnion sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to beg for a rent voucher to take with CASH to a distant cash-transfer location ( XXXX XXXX XXXX XXXX ). They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because TransUnion failed to verify me, claiming a Social Security number conflict. To some companies, TransUnion reported that I had XXXX credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nTransUnion should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept TransUnions response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-14T13:15:51.000Z","state":"DC","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":["SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> ISSUE Incorrect information on my <em>report</em> My <em>complaint</em> asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to identify the address of the XXXX XXXX  claimant as being my recent address."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[14.201476,"5773528"]},{"_index":"complaint-public-v1","_id":"3657978","_score":14.140931,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is regarding regarding a previous complain with the reference number of : XXXX Experian waited the full 15 days allowed to then respond with a auto-responder to my case. Then the following day immediately they sent a canned message and considered the date closed. There was no investigation done. \n\nI will copy and paste a copy of their message here : Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Our research indicates that you have contacted Experian to request a reinvestigation regarding disputed item ( s ). Therefore, at your request to begin a reinvestigation, we are in the process of contacting the data furnishers as needed to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, to speak with a representative, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX, or by our document upload service : experian.com/upload. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2020-05-18T22:57:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94134","tags":null,"has_narrative":true,"complaint_id":"3657978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-18T22:53:07.000Z","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":["In addition to your right to dispute information in your <em>credit</em> file with the <em>credit</em> <em>reporting</em> agencies, you also have the right to dispute information in your <em>credit</em> <em>report</em> directly with the furnisher of the information. Please note that there is nothing a <em>credit</em> <em>repair</em> company can do for you, including removing inaccurate <em>credit</em> information that you cant do for yourself for free. We believe it is important to supply you with information <em>about</em> specific <em>credit</em> <em>repair</em> laws."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[14.140931,"3657978"]},{"_index":"complaint-public-v1","_id":"3701481","_score":14.047739,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint involves EXPERIAN : I submitted the complaint below and experian fraudulently provided the following response, \" Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' I am requesting Experian provide the bases for their allegation the complaint was not authorized by me. This is another example of Experian 's obfuscation in dealing with credit matters in good faith and validates they are unmitigated liars in all their conduct, on information or belief. Experian appears to represent an ongoing criminal enterprise in which they conspire with the lenders to inflate credit scores, interest rates which in turn negatively impacts the national economy. \n____________________________________________________________________l Previously submitted complaint Experian failed to investigate.\n\nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported. \n\nATTACHMENTS Credit Cards.pdf ( 125.9 KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened? \nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \n\n\n\n\n\n\nWhat would be a fair resolution to this issue? \nI am seeking a fair resolution to have all three of the attached accounts reported on each of my three credit bureau reports. All of the cards reflect favorably to my credit score, Without these accounts being reported, my scores are being artificially XXXX  thereby increasing my cost of credit. With 40.5 million people out of work, the three credit bureaus should be doing more to help and assist, but I believe their primary  client, the financial industry are their main concern. \n1 attachment View uploaded documents by clicking on the file name Credit Cards.pdf ( 125.9 KB )  What company is this complaint about? \nCOMPANY INFORMATION EXPERIAN SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX ADDITIONAL COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \ntrue ATTEMPTED TO FIX WITH THIS COMPANY? \nYes ADDITIONAL CREDIT REPORTING COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \nYes ATTEMPTED TO FIX WITH THIS COMPANY? \nYes What people are involved? \n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX United States Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, \" if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. You also may write to us at the address on your Experian personal credit report. Be sure to include the following information : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions, or postal service forwarding orders as proof of your address and identity. To protect your personal information, Experian requires your authorization for any request on your behalf and we do not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Include the account name and number for any item on your credit report that you wish to dispute, and state the specific reason why you feel the information is inaccurate. The dispute process may take up to 30 days ( 45 days when disputing information in your annual free credit report ). Once we complete the processing of your dispute, we will promptly notify you of the outcome. In addition, there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2020-06-16T19:17:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"3701481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-16T19:07:15.000Z","state":"TN","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":["ATTACHMENTS <em>Credit</em> Cards.pdf ( 125.9 KB ) Hide full <em>complaint</em> What product or service is your <em>complaint</em> <em>about</em>? \nPRODUCT OR SERVICE <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of problem are you having? \n\nISSUE Problem with a <em>credit</em> <em>reporting</em> company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened?"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[14.047739,"3701481"]},{"_index":"complaint-public-v1","_id":"3001587","_score":14.018193,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting Step 2 Edit this section What type of problem are you having? \nISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened? \nRecently my FICO Score dropped significantly. XXXX XXXX referred me to XXXX and they explained that the negative data is reported by the XXXX XXXX Bank, an affiliate bank under the United Bankshares Holdings. Since our mortgage account was serviced by the XXXX bank ( bankingwithunited ) another affiliate of the United Bankshares Holdings, I think that a lack of information synchronization among the sister banks has caused the problem. Indeed, our mortgage account with the XXXX  bank was paid off in XX/XX/2016, the bank later sold our property to another mortgagor for 30 % higher price, but continued to charge our account for additional mortgages almost a year after they bought our property for the value of the balance, but did not release the loan from obligation. This all is a banking irregularity, which should not be affecting the customer. In this case, it seems the XXXX  bank got the property at the reduced price ( mortgage balance ), sold for a higher price ( made a profit ) but still wants to collect mortgages from the owner whose property was extorted. Not a respectable thing to do, but it is happening now. Maybe no, but the whole situation must be resolved. CFPB may help. \n\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \n\n\n\n\n\n\n\nEdit this section Step 4 Edit this section What company is this complaint about? \nCOMPANY INFORMATION United Bank-shares Holdings SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX OTHER INFORMATION ABOUT THIS COMPANY XXXX  bank XXXX XXXX, XXXX  Virginia XXXX XXXX Step 5 Edit this section What people are involved? \n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX United States I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. \n\nThe information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. \nYou will not be able to attach documents or edit this complaint after you submit it. \nPlease make sure everything is accurate and complete before continuing. \n\nSubmit your complaint","date_sent_to_company":"2018-08-30T17:37:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20850","tags":"Older American","has_narrative":true,"complaint_id":"3001587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED BANKSHARES, INC.","date_received":"2018-08-25T00:53:44.000Z","state":"MD","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":["What product or service is your <em>complaint</em> <em>about</em>? \nPRODUCT OR SERVICE <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> Step 2 Edit this section What type of problem are you having? \nISSUE Incorrect information on your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened? \nRecently my FICO Score dropped significantly."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.018193,"3001587"]},{"_index":"complaint-public-v1","_id":"6097556","_score":13.9135,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"AMENDMENT TO FILE # XXXX STATUS : Submitted to the CFPB on XX/XX/XXXX PRODUCT : Credit reporting, credit repair services, or other personal consumer reports ISSUE : Incorrect information on your report I am writing this complaint to further show how TransUnion and XXXX XXXX have been reporting incorrect and inaccurate information onto my TransUnion credit profile. On XXXX XXXX TransUnion reported that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( see the underlined on page 1 of TransUnion report File # XXXX but continued to allow false reports and monthly charges. However, after XXXX XXXX realized that they were wrong and perhaps wanted to avoid legal action against them, they sent an official letter to me announcing that they were closing the account on or about XX/XX/XXXX. ( see letter attached ) No consumer should have to go through this. I am appealing to you, Consumer Financial Protection Bureau, to address this kind of ill reporting and inaccuracies because I am told that is why your agency exists. The only solution to this issue is delete this now!! \n\nThank you for your time and I pray that you will do more than serve as a messenger.","date_sent_to_company":"2022-10-19T03:35:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"275XX","tags":"Older American","has_narrative":true,"complaint_id":"6097556","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-19T03:11:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["AMENDMENT TO FILE # XXXX STATUS : Submitted to the CFPB on XX/XX/XXXX PRODUCT : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> ISSUE : Incorrect information on your <em>report</em> I am writing this <em>complaint</em> to further show how TransUnion and XXXX XXXX have been <em>reporting</em> incorrect and inaccurate information onto my TransUnion <em>credit</em> profile."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.9135,"6097556"]},{"_index":"complaint-public-v1","_id":"5773533","_score":13.740461,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the New Jersey claimant as being my recent address. It was never my address. \n\nIn response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from Equifax or XXXX of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to beg for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX ).  They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nXXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-14T13:32:38.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> ISSUE Incorrect information on my <em>report</em> My <em>complaint</em> asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[13.740461,"5773533"]},{"_index":"complaint-public-v1","_id":"3627282","_score":13.705447,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a complaint with CFPB against Experian for a violation of 15 USC 1681i. ( XXXX ) Experian 's response did not address the issues underlining the complaint which was deleting the account, because Experian failed to verify with the original creditor per FCRA 611 & 15 U.S. Code 1681i.Procedure in case of disputed accuracy. \" ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), 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. '' \" ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ) '' Instead Experian responded to the CFPB complaint by stating they will contact the furnisher for the information. \" Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the three attachments, you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation we are in the process of contacting the data furnishers, as needed, to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. A national consumer credit reporting agency stores information from credit grantors, collection companies as well as public record information that includes bankruptcies, judgments and liens. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, with the exception of Chapters XXXX, XXXX  and XXXX  bankruptcies and unpaid tax liens, which remain for up to 10 years. A paid tax lien will remain for up to seven years from the date paid. Positive information may remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years. Please note that there is nothing a credit repair company can do for you,  including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, to speak with a representative, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX, or by our document upload service : experian.com/upload. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. '' I did not ask for a re-investigation. I've already given Exerperian several opportunities to correct this error and delete it from my report for not being able to verify it. I've even sent documentation from the original creditor XXXX XXXX that they no longer have the account, therefore, could not verify any information on it. I requested a deletion not a re-investigation.","date_sent_to_company":"2020-04-28T20:53:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92021","tags":null,"has_narrative":true,"complaint_id":"3627282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-28T20:31:51.000Z","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":["Positive information may remain on the <em>report</em> indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your <em>credit</em> history remain on your <em>personal</em> <em>credit</em> <em>report</em> for at least two years. Please note that there is nothing a <em>credit</em> <em>repair</em> company can do for you,  including removing inaccurate <em>credit</em> information that you cant do for yourself for free."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[13.705447,"3627282"]},{"_index":"complaint-public-v1","_id":"2746232","_score":13.014272,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For purposes of this complaint, CRA ( Credit Reporting Agency ) will define XXXX, XXXX and Equifax. \n\ni have attached evidence that affirms that the original delinquency dates for the accounts in question are XX/XX/XXXX andXX/XX/XXXX. if they have the time to scroll down the page they can see the first delinquency dates.I have already provided these documents to Experian several times and they have continued to violate my rights afforded me under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. Additionally i have included Experian 's response to my complaint  XXXX, in which they specifically state \" Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, not by the open date. '' The CRA has failed to delete from my credit report delinquencies reported by Nebraska child support that were originally reported in XXXX and XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been refused credit on several occasions after 2013 and also 2015 because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in 2005 and 2007 in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period  referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of 2015, The CRA failed on several occasions to delete the account ( s ) upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years. \nCompany 's Response Thank you for contacting Experian through the CFPB portal XX/XX/XXXX. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. According to your complaint, there are outdated child support debts appearing on your credit report. You stated that the original dates for the child support debts are in XXXX and XXXX, and that the debts should therefore be removed. Upon further research, according to our records, you have previously contacted us to dispute the child support account on your report. At your request, we began a reinvestigation of the disputed item, and the results were forwarded to you on XX/XX/XXXX. At that time, the data furnisher verified the information to be accurate as reported. Please note that accurate information can not be deleted. A national consumer credit reporting agency stores information from credit grantors, collection companies as well as public record information that include bankruptcies, judgments and liens. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, not by the open date. Positive information may remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a XXXX statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.comXXXX. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2017-12-20T15:13:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"66605","tags":"Servicemember","has_narrative":true,"complaint_id":"2746232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-05T22:13:03.000Z","state":"KS","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":["For additional assistance, you may call the toll free telephone number provided on your <em>personal</em> <em>credit</em> <em>report</em>, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX Thank you for submitting your <em>complaint</em> through the CFPB <em>Complaint</em> Portal. It is our policy to respond to consumer <em>complaints</em> swiftly and to take each <em>complaint</em> seriously. We appreciate you letting us know <em>about</em> your experiences with Experian."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> 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":[13.014272,"2746232"]},{"_index":"complaint-public-v1","_id":"9739098","_score":12.928257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My previously submitted complaint file numbers with Experian are : XXXX and the one before that is : XXXX from my last complaints. Experian seems to be ignoring their obligation to adhere to LAW by not reporting correctly and responsibly. This is the last time I will submit a complaint here. If this is not fixed asap, I will sue them in XXXX XXXX XXXX. They have not repaired previous complaints nor tried to report accurately and therefore, seriously do not understand their grave responsibility to report permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604!\n\nI want the accounts updated/fixed immediately to reflect a proper credit score which is being affected by this ridiculous Identity Theft, securities fraud, or otherwise! I want a full audit by the CFPB as well! There has never been ANY CONSENT NOR PERMISSION to post the year of birth either! Experian also does not reflect the accounts that are the oldest. \n\nXXXX XXXX XXXX  \" XXXX  '' is paid in full and not late at all!!! It must reflect that asap. I also want the credit limit to reflect accurately! Account number is XXXXXXXX XXXX XXXX \n\nXXXX is also paid in full which I will add all the proof onto this complaint. The Account number is : XXXX. This must be an account that reflects \" paid in full '' and \" never late. '' I expect to see this asap as well! \n\nAnd finally, a bankruptcy was complained about in previous complaints and never removed. Remove it now!!! Experian does NOT have MY CONSENT to put this onto their reporting for my credit report. \n\nPer the Fair Credit Reporting Act 15 USC 1681 section 602 states, \" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states, \" It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Finally I am stating it here to have proof that I AM NOW opting out of your reporting services per 12 CFR 1016.7 Experian do not report any other information about me without my consent of which I expect to receive a LETTER IN THE MAIL with future requests of what I allow to report!","date_sent_to_company":"2024-08-07T17:27:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"863XX","tags":null,"has_narrative":true,"complaint_id":"9739098","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-07T16:43:20.000Z","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":["<em>other</em> information <em>about</em> me without my consent of which I expect to receive a LETTER IN THE MAIL with future requests of what I allow to <em>report</em>!"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.928257,"9739098"]},{"_index":"complaint-public-v1","_id":"17112338","_score":12.774847,"_source":{"product":"Debt or credit management","complaint_what_happened":"On XX/XX/year>, I paid {$1200.00} via XXXX through my Bank of America account to a business/person called XXXX XXXX XXXX XXXX XXXX XXXX Official ( phone number XXXX ), operated and owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI was led to believe this was a legitimate credit repair and identity theft recovery service. XXXX XXXX claimed she was an experienced credit and fraud XXXX who could file official complaints with the FTC and CFPB, complete my FTC Identity Theft Affidavit, and contact credit bureaus to remove fraudulent accounts appearing on my credit report. \n\nAfter paying her, I learned these claims were false and misleading. \n\n\nXXXX and XXXX XXXX. False Federal Procedure Claims XXXX XXXX repeatedly stated in writing that the FTC and CFPB are the same agency. \nThis is factually untrue. The FTC and CFPB are separate federal entities with different functions. \nShe also stated that the FTC Identity Theft Affidavit only allows XXXX accounts, which is false the FTC form itself allows additional pages for more accounts. \nThese statements demonstrate a lack of knowledge and intentional misrepresentation of how federal identity theft processes work. \n\n\nXXXX. XXXX XXXX of Notarized Documents XXXX XXXX admitted in writing that she reuses a single notarized affidavit and swaps out the pages listing accounts for different clients. \nThis practice is improper and invalidates the notarization, as notaries must witness the actual document being signed. \nThis raises serious questions about the authenticity of any document she created using my personal information. \n\n\nXXXX. Nonperformance of Promised Services She promised to complete FTC filings, CFPB complaints, and creditor notifications within 90 days of payment. \nNo such actions were ever completed. \nShe provided no tracking numbers, confirmation letters, or copies of complaints. \nMy credit reports remain unchanged, and I have no evidence of any legitimate work performed. \n\nXXXX. Refusal to Refund After Misrepresentation When I confronted her about the lack of work, I offered to let her keep {$250.00} for her time and refund {$1000.00}. \nShe declined the refund request on XX/XX/year>, via XXXX, despite acknowledging delays and issues filing. \nShe insisted she doesnt refund just because you think work hasnt been done, yet provided no proof of completed work. \n\nXXXX. Concealment of Third Parties XXXX XXXX initially told me she works alone. \nLater, when I questioned the inconsistencies, she admitted others perform the work. \nThis was never disclosed before payment. \nIts unclear who had access to my personal identifiable information ( PII ) such as my SSN, ID, and credit reports raising data privacy and potential identity theft concerns. \n\nEvidence Provided Attached are : Proof of XXXX payment ( {$1200.00} on XX/XX/year> ) Refund request ( {$1000.00} on XX/XX/year> ) and decline notice ( XX/XX/year> ) Email correspondence where XXXX XXXX : Misrepresents FTC and CFPB as the same entity, Admits to reusing notarized pages, Refuses refund after failing to deliver services. \nMy separate CFPB complaint filed against XXXX XXXX XXXX under XXXX XXXX XXXX, for violations of the Credit Repair Organizations Act ( XXXX U.S.C. XXXX ).","date_sent_to_company":"2025-11-08T19:47:07.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Credit repair services","zip_code":"10473","tags":null,"has_narrative":true,"complaint_id":"17112338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-08T19:32:24.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["My separate CFPB <em>complaint</em> filed against XXXX XXXX XXXX under XXXX XXXX XXXX, for violations of the <em>Credit</em> <em>Repair</em> Organizations Act ( XXXX U.S.C. XXXX )."],"product":["Debt or <em>credit</em> management"],"sub_product":["<em>Credit</em> <em>repair</em> services"]},"sort":[12.774847,"17112338"]},{"_index":"complaint-public-v1","_id":"15596235","_score":12.760792,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Company Being Complained About : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Type of Complaint : Credit reporting, credit repair services, or other personal consumer reports Debt collection ________________________________________ Complaint Narrative ( What Happened ) I am filing this complaint against Portfolio Recovery Associates ( PRA ) regarding two collection accounts being reported on my credit reports with XXXX  and XXXX. \nPortfolio Recovery Account # XXXX ( {$2500.00} ) Portfolio Recovery Account # XXXX ( {$2500.00} ) Both accounts are reported as originating with XXXX XXXX XXXXOn XXXX, XXXX, XXXX and XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), requesting full validation of these alleged debts. I sent my request by certified mail, return receipt requested.\n\nTo date, Portfolio Recovery has : 1. Failed to provide validation ( no original signed agreement, no full accounting, no chain of assignment ).\n\n2. Continued reporting unverifiable information to credit bureaus, which constitutes inaccurate reporting under FCRA 623 ( 15 U.S.C. 1681s-2 ).\n\n3. Failed to mark the accounts as disputed on my credit reports as required by FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ).\n\nTheir actions constitute willful noncompliance with federal law and are causing ongoing harm to my creditworthiness and financial opportunities. I seek to have these accounts immediately deleted and removed from both my credit files, XXXX  and XXXX.","date_sent_to_company":"2025-08-29T18:33:45.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"30034","tags":null,"has_narrative":true,"complaint_id":"15596235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-08-29T18:21:47.000Z","state":"GA","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Company Being Complained <em>About</em> : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Type of <em>Complaint</em> : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer <em>reports</em> Debt collection ________________________________________ <em>Complaint</em> Narrative ( What Happened ) I am filing this <em>complaint</em> against Portfolio Recovery Associates ( PRA ) regarding two collection accounts being <em>reported</em> on my <em>credit</em> <em>reports</em> with XXXX  and XXXX"],"issue":["Written notification <em>about</em> debt"],"sub_product":["<em>Credit</em> card debt"]},"sort":[12.760792,"15596235"]},{"_index":"complaint-public-v1","_id":"2762232","_score":12.617816,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I GOT THIS BOGUS RESPONSE FROM EXPERIAN! \n\nThank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you have disputes with nine accounts on your credit report. You stated that the accounts are reporting inaccurate information or do not belong to you. You further stated that the method of verification used by Experian is not sufficient to correctly process your disputes. You also explained that one or more data furnishers have confirmed that they are providing correct information but that Experian is placing the inaccuracies on your report. You would like the disputed accounts and late payments removed from your report. At your request to begin an investigation of the named accounts, we contacted the data furnisher ( s ) and/or public record vendor ( s ) for the items in question and conveyed your disputes. The items are listed in the order in which they appear in your CFPB complaint. The first item was verified as accurate by the data furnisher The second item was verified as accurate by the data furnisher. Since then, the item has been deleted and no longer appears on your credit report. The third item was verified as accurate by the data furnisher The fourth item was verified as accurate by the data furnisher The fifth item was verified as accurate by the data furnisher The sixth item was verified as accurate by the data furnisher The seventh item was verified as accurate by the data furnisher The eighth item was verified as accurate by the data furnisher The ninth item was verified as accurate by the data furnisher An updated credit report was forwarded to you on XXXX XXXX, XXXX. Please allow up to ten days for delivery via XXXX. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a XXXX-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. According to the Fair Credit Reporting Act ( FCRA ), a  national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2017-12-21T21:52:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"2762232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-21T21:42:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Consumers may also contact creditors directly to dispute items <em>reported</em> by the creditor. If the issue is not resolved, then the consumer <em>credit</em> <em>reporting</em> agency must offer to include a consumer statement on the <em>personal</em> <em>credit</em> <em>report</em>. The <em>Credit</em> <em>Repair</em> Organization Act, a federal law, prohibits <em>credit</em> <em>repair</em> companies from taking consumers money until they have fully completed the services they promised."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Personal</em> information incorrect"]},"sort":[12.617816,"2762232"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":257,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":257}]}},"product":{"doc_count":257,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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