{"took":653,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":29833,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10551707","_score":13.875326,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/XXXX, a CFPB Complaint was sent to XXXX XXXX XXXX XXXX XXXX ( XXXX  ), requesting information regarding a XXXX Home Mortgage Loan Originated to XXXX XXXX XXXX and XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX. The initial Response sent to the CFPB Consumer Complaint Department by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX was that Complaint Number XXXX was not for XXXX. CFPB returned the Complaint to XXXX and requested more information. XXXX then sent CFPB to verify that the specified Complaint was, in fact, sent to the correct company, and they then resent it back to XXXX. The second time that XXXX received CFPB Complaint Number XXXX, they acknowledged that the said CFPB Complaint was routed correctly to XXXX complaint, but that it was a duplicate of a CFPB Complaint Number XXXX that they had received the previous year in XXXX and because it was a duplicate complaint they did not have to respond to it. This was a false response sent from XXXX to CFPB for the two following reasons : 1. Complaint Number XXXX was sent to Select Portfolio Servicing, Inc. by CFPB on XX/XX/XXXX. It contained a multiple-page narrative delineating details and dates that were never included in any other CFPB Complaint.\n\n2. The Consumer Financial Protection Bureau ( CFPB ) includes various data security and data privacy features that ensure that the confidentiality of the American Consumer is protected at all times.","date_sent_to_company":"2024-10-23T18:56:48.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"85381","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"10551707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2024-10-23T17:14:48.000Z","state":"AZ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Changes in loan terms during the application process"},"highlight":{"complaint_what_happened":["This was a false response sent from XXXX to <em>CFPB</em> for the two following reasons : 1. <em>Complaint</em> Number XXXX was sent to Select Portfolio Servicing, Inc. by <em>CFPB</em> on XX/XX/XXXX. It contained a multiple-page narrative delineating details and dates that were never included in any other <em>CFPB</em> <em>Complaint</em>.\n\n2. The <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ) includes various <em>data</em> security and <em>data</em> privacy features that ensure that the confidentiality of the American <em>Consumer</em> is protected at all times."]},"sort":[13.875326,"10551707"]},{"_index":"complaint-public-v1","_id":"5255097","_score":13.443501,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In Discover Bank 's response to my Consumer Financial Protection Bureau ( CFPB ) complaints -- CFPB complaint ID XXXX and CFPB complaint ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the CFPB 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts. This is a gross misuse of my personal information and personal data ; there is no reason that such private information and personal information should be posted into Discover 's response to the CFPB -- a response that the CFPB will make public to all consumers. Once more, Discover Bank has proven that they are consistently violating my privacy rights, this time by copying and pasting my personal, confidential and sensitive data into their online reply to my complaint, which is now accessible to any person of the public who can view this complaint. Discover is knowingly retaliating against me by making public my personal, private and confidential data through the CFPB complaint process. Discover Bank should have known that copying and pasting the sensitive and confidential parts of their reply to the complaint, into the online and public complaint portal, would knowingly cause that information to be accessed and misused by the general public. Discover has acted in an unfair, abusive and deceptive manner. Discover also does not address their unfair, abusive and deceptive marketing practices in their response ; they only apologize for MY misunderstanding. The issue is not mine. The issue is Discover 's unfair, abusive and deceptive marketing and credit practices, all of which are not addressed in XXXX XXXX. 's response, other than to grossly misuse my personal and confidential data.","date_sent_to_company":"2022-02-24T06:50:41.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"554XX","tags":null,"has_narrative":true,"complaint_id":"5255097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-02-24T01:36:54.000Z","state":"MN","company_public_response":null,"sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["In Discover Bank 's response to my <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ) <em>complaints</em> -- <em>CFPB</em> <em>complaint</em> ID XXXX and <em>CFPB</em> <em>complaint</em> ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the <em>CFPB</em> 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts."]},"sort":[13.443501,"5255097"]},{"_index":"complaint-public-v1","_id":"7710983","_score":13.367839,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that LexisNexis holds about me in a XXXX XXXX ( Comprehensive Loss Underwriting XXXX ) Report. On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA. \nOn XX/XX/2023, I submitted my SECOND REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted Complaint # XXXX with the Consumer Financial Protection Bureau XXXX CFPB ) that details LexisNexis refusal XXXX provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. LexisNexis response to the CFPB dated XX/XX/2023, failed to address my request for my C.L.U.E Report with COMPLETE SOURCE DATA in any way. On XX/XX/2023, I submitted my THIRD REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my FOURTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my FIFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my SIXTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my SEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my EIGHTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my NINTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my TENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted Complaint # XXXX with the CFPB which details LexisNexis refusal XXXX provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis states : RE : Request for File : On XX/XX/2023, LexisNexis mailed a copy of his file to XXXX XXXX for his review. LexisNexis intentionally misled the CFPB by failing to identify the exact report and/or file that they claim to have forwarded for my review. On XX/XX/2023, I submitted an ELEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my TWELFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted Complaint # XXXX with the CFPB which details LexisNexis refusal XXXX provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter, Consumer Number XXXX, addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis XXXX : This correspondence is in response to the complaint LexisNexis Risk Solutions XXXX ( LexisNexis ) received from your office on XX/XX/2023 on behalf of XXXX XXXX XXXX, in which XXXX XXXX is requesting a copy of his file. ... In response to XXXX XXXX complaint filed with your office, on XX/XX/2023, LexisNexis mailed a copy of his LexisNexis Consumer Disclosure Report to XXXX XXXX directly for his review. On XX/XX/2023, I submitted my THIRTEENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA ( See attached Supporting Document # XXXX ). On XX/XX/2023, I submitted Complaint # XXXX with the CFPB which details LexisNexis refusal XXXX provide me with my C.L.U.E Report with COMPLETE SOURCE DATA ( See attached Supporting Document # XXXX ). On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter, Consumer Number XXXX, ( See attached Supporting Document # XXXX ) addressed to the CFPB which was another nonsensical mess. In their letter, LexisNexis XXXX : In response to XXXX XXXX complaint filed with your office, on XX/XX/2023, LexisNexis mailed a copy of his LexisNexis Consumer Disclosure Report to XXXX XXXX directly for his review. I did NOT request my LexisNexis Consumer Disclosure Report, I very specifically requested my C.L.U.E Report with COMPLETE SOURCE DATA. As of the date of this communication, LexisNexis is STILL refusing to provide me with the requested C.L.U.E Report with COMPLETE SOURCE DATA. This is my FOURTEENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA.","date_sent_to_company":"2023-10-17T19:16:42.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"617XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7710983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-10-17T19:12:42.000Z","state":"IL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/2023, I submitted <em>Complaint</em> # XXXX with the <em>CFPB</em> which details LexisNexis refusal XXXX provide me with my C.L.U.E Report with COMPLETE SOURCE <em>DATA</em> ( See attached Supporting Document # XXXX ). On XX/XX/2023, in response to my <em>CFPB</em> <em>Complaint</em>, LexisNexis provided a letter, <em>Consumer</em> Number XXXX, ( See attached Supporting Document # XXXX ) addressed to the <em>CFPB</em> which was another nonsensical mess."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"]},"sort":[13.367839,"7710983"]},{"_index":"complaint-public-v1","_id":"6035109","_score":13.33831,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has listed XXXXXXXX XXXX XXXX XXXX as a collection account on my credit report. This account was not properly validated by Equifax. I reached out to the collection agency to verify this debt because I was unaware of it.I sent them a letter in the mail as well as filed a complaint with the CFPB. The CFPB complaint ID is - XXXX. XXXXXXXX XXXX  XXXX XXXX was not able to properly validate the debt or legally collect debt in my state of residence. They have since ceased acting as a data furnisher and sent out a notice to the CRAs. I have attached the documentation I mailed to the data furnisher, the CFPB complaint, and the XXXX form provided by the data furnisher. \n\nThis account should have never been listed on my credit report. Equifax is not independently verifying consumer information and consumers are suffering as a result. There are laws in place to prevent this from happening and Equifax continues to ignore those laws.","date_sent_to_company":"2022-09-30T15:44:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28277","tags":null,"has_narrative":true,"complaint_id":"6035109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-30T15:27:55.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have attached the documentation I mailed to the <em>data</em> furnisher, the <em>CFPB</em> <em>complaint</em>, and the XXXX form provided by the <em>data</em> furnisher. \n\nThis account should have never been listed on my credit report. Equifax is not independently verifying <em>consumer</em> information and <em>consumers</em> are suffering as a result. There are laws in place to prevent this from happening and Equifax continues to ignore those laws."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[13.33831,"6035109"]},{"_index":"complaint-public-v1","_id":"7675696","_score":13.297598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The retailers are reporting inaccurate/erroneous data on the consumer ( my ) report. The law clearly states retailers have an obligation to report to the perfection the accuracy of their data/information on the consumer report. \n\nIf there any inaccurate/erroneous data information reported that I can identify, show evidence thereof ; I consumer demand for immediate deletion as such data. \n\nI will forward the document to the complaint to support my claim. \n\nHowever, I want to put the CEO of the CFPB on notice of my dissatisfaction of past complaints for noncompliance, no thorough investigation and possible bias towards consumers.","date_sent_to_company":"2023-10-09T17:44:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44108","tags":null,"has_narrative":true,"complaint_id":"7675696","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-09T16:53:34.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, I want to put the CEO of the <em>CFPB</em> on notice of my dissatisfaction of past <em>complaints</em> for noncompliance, no thorough investigation and possible bias towards <em>consumers</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[13.297598,"7675696"]},{"_index":"complaint-public-v1","_id":"7670111","_score":13.297598,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The retailers are reporting inaccurate/erroneous data on the consumer ( my ) report. The law clearly states retailers have an obligation to report to the perfection the accuracy of their data/information on the consumer report. \n\nIf there any inaccurate/erroneous data information reported that I can identify, show evidence thereof ; I consumer demand for immediate deletion as such data. \n\nI will forward the document to the complaint to support my claim. \n\nHowever, I want to put the CEO of the CFPB on notice of my dissatisfaction of past complaints for noncompliance, no thorough investigation and possible bias towards consumers.","date_sent_to_company":"2023-10-09T17:44:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44108","tags":null,"has_narrative":true,"complaint_id":"7670111","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-09T17:44:20.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, I want to put the CEO of the <em>CFPB</em> on notice of my dissatisfaction of past <em>complaints</em> for noncompliance, no thorough investigation and possible bias towards <em>consumers</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[13.297598,"7670111"]},{"_index":"complaint-public-v1","_id":"7666241","_score":13.293154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The retailers are reporting inaccurate/erroneous data on the consumer ( my ) report. The law clearly states retailers have an obligation to report to the perfection the accuracy of their data/information on the consumer report. \n\nIf there any inaccurate/erroneous data information reported that I can identify, show evidence thereof ; I consumer demand for immediate deletion as such data. \n\nI will forward the document to the complaint to support my claim. \n\nHowever, I want to put the CEO of the CFPB on notice of my dissatisfaction of past complaints for noncompliance, no thorough investigation and possible bias towards consumers.","date_sent_to_company":"2023-10-09T17:44:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44108","tags":null,"has_narrative":true,"complaint_id":"7666241","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-09T17:44:20.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["However, I want to put the CEO of the <em>CFPB</em> on notice of my dissatisfaction of past <em>complaints</em> for noncompliance, no thorough investigation and possible bias towards <em>consumers</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.293154,"7666241"]},{"_index":"complaint-public-v1","_id":"5016216","_score":13.169546,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian 's own policy is for it as a CRA to conduct an invetsigation by evaluating the documents submitted with a consumer dispute and evaluate the validity of the information supplied by a data furnisher against the documentation supplied with the dispute. In CFPB complaint XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the narratives provided by XXXX  in response to prior BFPB complaints clearly contradicts the data XXXX  is supplying to Experian regarding my accounts through the eOSCAR system. Experian 's response clearly states the extent to which they actually conducted an investigation was to \" contact the data furnisher, '' and have the data furnisher \" verify '' the accuracy of the records to Experian. Any cursory inspection of the documents I provided to Experian would clearly indicate WF 1 ) violated the MPN with respect to billing, 2 ) violated CFPBs interpretation of Regulation Z, and the FCRA. Now, Experian was made aware that XXXX XXXX has a track record of engaging in this behavior because I also provided with Experian documents surrounding 2016-CFPB-013, which clearly indicated XXXX was engaging in illegal billing practices AND REFUSING TO UPDATE ERRONEOUS information it supplied to the CRAs. Despite this, Experian 's own response to the CFPB regarding the investigation shows a willingness to \" TRUST '' the data returned by the data furnisher via the eOSCAR system, in this case XXXX. The point is after around fifty ( 50 ) complaints that provided increasingly damning evidence of XXXX XXXX 's repeated billing irregularities, haphazard compliance with Regulation Z, FCRA, and 12 CFR 1026, it is clear that Experian knows, OR SHOULD BY NOW KNOW, the information supplied by XXXX for my student loan accounts is inaccurate based upon a cursory review of the documentation. Experian is now just as culpable as XXXX in damaging my credit worthiness because it is continuing to aggregate patently erroneous data, invalid and/or unverifiable information, and data supplied as a result of its non-compliance with the behaviors covered in 2016-CFPB-013. Experian is a custodian of records for my consumer behavior, repayment habits, and financing history. Experian 's continued inclusion of data supplied from a furnisher, that is contardicted by narratives from the data furnisher itself that has been supplied as a part of a consumer complaint, reflects flagrant disregard for consumer protection laws. That is, claiming to conudct an impartial \" investigation, '' by simply transmitting documentation to a data furnisher, is a substitute for, and denial of, rights of Due Process afforded under 12 CFR 1026 and the FCRA.","date_sent_to_company":"2021-12-16T19:49:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5016216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-16T19:03:02.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In <em>CFPB</em> <em>complaint</em> XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the narratives provided by XXXX  in response to prior BFPB <em>complaints</em> clearly contradicts the <em>data</em> XXXX  is supplying to Experian regarding my accounts through the eOSCAR system."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[13.169546,"5016216"]},{"_index":"complaint-public-v1","_id":"3586126","_score":13.039452,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is a companion to CFPB Complaint # : XXXX-XXXX. \nTransunion continues to fictitiously \" investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. \nThey continue to update my credit report with \" Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.\n\nJust because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and  demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.","date_sent_to_company":"2020-03-30T21:28:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46902","tags":null,"has_narrative":true,"complaint_id":"3586126","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-30T21:28:15.000Z","state":"IN","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 <em>complaint</em> is a companion to <em>CFPB</em> <em>Complaint</em> # : XXXX-XXXX. \nTransunion continues to fictitiously \" investigate '' by comparing <em>data</em> with the source who provided it. In fact, according to my report, they CLOSED my <em>CFPB</em> <em>complaint</em> on XX/XX/2020 but did NOT investigate as they claimed they would."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[13.039452,"3586126"]},{"_index":"complaint-public-v1","_id":"3586119","_score":13.026092,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is a companion to CFPB Complaint # : XXXX-XXXX.\n\nTransunion continues to fictitiously \" investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. \nThey continue to update my credit report with \" Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy. \nJust because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.","date_sent_to_company":"2020-03-30T21:28:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46902","tags":null,"has_narrative":true,"complaint_id":"3586119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-30T21:17:21.000Z","state":"IN","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 <em>complaint</em> is a companion to <em>CFPB</em> <em>Complaint</em> # : XXXX-XXXX.\n\nTransunion continues to fictitiously \" investigate '' by comparing <em>data</em> with the source who provided it. In fact, according to my report, they CLOSED my <em>CFPB</em> <em>complaint</em> on XX/XX/2020 but did NOT investigate as they claimed they would."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[13.026092,"3586119"]},{"_index":"complaint-public-v1","_id":"3586125","_score":13.016176,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is a companion to CFPB Complaint # : XXXX-XXXX. \nTransunion continues to fictitiously \" investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. \nThey continue to update my credit report with \" Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.\n\nJust because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.","date_sent_to_company":"2020-03-30T21:28:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46902","tags":null,"has_narrative":true,"complaint_id":"3586125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-03-30T21:28:15.000Z","state":"IN","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 <em>complaint</em> is a companion to <em>CFPB</em> <em>Complaint</em> # : XXXX-XXXX. \nTransunion continues to fictitiously \" investigate '' by comparing <em>data</em> with the source who provided it. In fact, according to my report, they CLOSED my <em>CFPB</em> <em>complaint</em> on XX/XX/2020 but did NOT investigate as they claimed they would."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[13.016176,"3586125"]},{"_index":"complaint-public-v1","_id":"17816233","_score":12.987151,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because LexisNexis Risk Solutions and LexisNexis Consumer Center have repeatedly failed to address my actual dispute, and my prior CFPB complaints are being closed based on the same copy-and-paste responses that do not resolve the issues I raised. \n\nI am a Texas consumer. My core issue is simple : I am not disputing that a bankruptcy exists in PACER. I am disputing that LexisNexis is allowed to access, process, and sell/share that bankruptcy and other data at all while my LexisNexis file is under a security freeze and while I am exercising my state and federal deletion/privacy rights. \n\nI have filed multiple CFPB complaints about this : XX/XX/XXXX CFPB Case # XXXX XX/XX/XXXX CFPB Case # XXXX XX/XX/XXXX CFPB Case # XXXX XX/XX/XXXX CFPB Case # XXXX In each of these, I explained that : My LexisNexis file has a security freeze that LexisNexis itself confirmed in writing as active since at least XXXX. \n\nI have made repeated, verified Right-to-Delete and Right-to-Access requests. \n\nLexisNexis continues to respond with generic we can not authenticate your identity letters even though they are clearly using and selling my data. \n\nMy dispute is that LexisNexis should not be furnishing or selling any bankruptcy information about me to consumer reporting agencies while my file is frozen and after Ive demanded deletion. \n\nOn XX/XX/XXXX, LexisNexis sent me two letters : A Consumer Disclosure Report letter stating that, pursuant to FCRA 609, they were providing a 16-page LexisNexis Consumer Disclosure via a one-time URL and PIN, including : Alerts/flags ( including security freezes ) Data under dispute Sources of the data A list of entities that requested my information in the last 12 months Copies of actual reports they provided to companies This proves they can authenticate my identity and that they have been supplying my data to third parties. \n\nA separate Results of Reinvestigation letter where they say they reinvestigated and found my Identification Records and Bankruptcy Records accurate, and that they verified the bankruptcy using PACER. They then cite my Texas rights, including the right to file an action in court under Texas Business & Commerce Code Chapter 20.\n\nAgain : I am not disputing that a bankruptcy exists in PACER. My dispute is : How did LexisNexis access and furnish a XXXX bankruptcy record to credit bureaus if my LexisNexis file has allegedly been frozen since XXXX? \n\nHow can they claim they can not authenticate my identity while at the same time creating a 16-page consumer disclosure, tracking my requests, and listing out entities they sold or furnished my data to? \n\nWhy are my repeated Right to Delete and freeze requests being ignored, and why is the CFPB allowing LexisNexis to close out complaints with the same boilerplate letters that do not address these questions? \n\nAt this point, LexisNexis is not just making a mistake ; they are choosing to continue processing and selling my data : Despite my security freeze, Despite my verified deletion/access requests, and Despite multiple CFPB complaints where I have clearly explained the issue. \n\nI am asking the CFPB to do more than simply forward my complaint and accept the same template we verified it in PACER response. I am requesting : Escalation and manual review of this complaint, not an automatic closure based on LexisNexiss form letter.\n\nA direct answer to these specific questions : How does LexisNexis justify accessing and furnishing a XXXX bankruptcy to consumer reporting agencies while my LexisNexis file is under a security freeze they admit has been active since XXXX? \n\nHow are they allowed to ignore my Texas Right-to-Delete and my repeated requests to stop processing my data?\n\nAn order requiring LexisNexis to : Permanently delete all personal data they maintain about me ( including bankruptcy/public record information and address history ), Provide a full accounting of each third party they furnished/sold my data to, and Confirm in writing that they will no longer access or furnish my data while a freeze is in place and after my deletion request. \n\nI am actively collecting every CFPB complaint, every LexisNexis response, and every piece of correspondence. If this is not resolved, I intend to exercise my right under Texas Business & Commerce Code Chapter 20 and the FCRA to pursue a lawsuit for each violation. I am asking the CFPB to treat this as an enforcement issue, not just a he said/ they said dispute that can be closed with a generic response.","date_sent_to_company":"2025-11-23T04:01:13.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"75154","tags":null,"has_narrative":true,"complaint_id":"17816233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-11-23T03:52:45.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing this <em>complaint</em> because LexisNexis Risk Solutions and LexisNexis <em>Consumer</em> Center have repeatedly failed to address my actual dispute, and my prior <em>CFPB</em> <em>complaints</em> are being closed based on the same copy-and-paste responses that do not resolve the issues I raised. \n\nI am a Texas <em>consumer</em>. My core issue is simple : I am not disputing that a bankruptcy exists in PACER."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.987151,"17816233"]},{"_index":"complaint-public-v1","_id":"12068518","_score":12.881922,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Formal Complaint - Potential Data Breach - XXXX XXXX XXXX Nelnet - CFPB XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding a potential data breach at Nelnet, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Nebraska XXXX. My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX, Ny, XXXX my phone number XXXX. My account number with Nelnet is number is XXXX. \n\nI am concerned that my personal financial information held by Nelnet may have been compromised due to a data breach. I am concerned because of the recent public announcement of DOGE mblembers seizing the Department Of Education, specifically XXXX XXXX and XXXX XXXX. \n\nA data breach involving my personal financial information is a serious matter and could expose me to identity theft, financial fraud, and other harms. This information is highly sensitive and must be protected. Nelnet falls under the jurisdiction of the CFPB because They are a financial institution. \n\nI request that the CFPB investigate this matter thoroughly and take appropriate action to ensures Nelnet 's compliance with relevant consumer financial laws and regulations regarding data security. Specifically, I request that the CFPB : * Confirm whether a breach occurred. \n* Identify the extent of the breach and what specific data was compromised. \n* Ensure that Nelnet takes appropriate steps to rectify the situation and prevent future breaches. \n* Inform me of the specific actions I should take to protect myself from potential harm. \n* Provide information about any credit monitoring or identity theft protection services that will be offered. \nI expect a written response within 30 days outlining the steps the CFPB will take to address this complaint. I can be reached at XXXX or XXXX if you require further information. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-11T17:48:36.000Z","issue":"Improper use of your report","sub_product":"Federal student loan servicing","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"12068518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-02-11T17:25:31.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> - Potential <em>Data</em> Breach - XXXX XXXX XXXX Nelnet - <em>CFPB</em> XXXX Dear <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ), I am writing to file a formal <em>complaint</em> regarding a potential <em>data</em> breach at Nelnet, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Nebraska XXXX. My name is XXXX XXXX, my address is XXXX XXXX XXXX, XXXX, Ny, XXXX my phone number XXXX. My account number with Nelnet is number is XXXX."]},"sort":[12.881922,"12068518"]},{"_index":"complaint-public-v1","_id":"1744815","_score":12.790245,"_source":{"product":"Credit reporting","complaint_what_happened":"I filed a complaint on Experian in a previous complaint. The complaint # is XXXX and it is still open. The CFPB responded Experian has provided a partial response. I have pasted their response below. In their response they say they will contract the data furnisher. This item was already disputed several weeks ago by me and denied by Experian as they stated they validated its accuracy. I put this in my original CFPB complaint. My question to the CFPB is why does Experian need and why are they being permitted to do another dispute and contact the data furnisher if they did this when they denied the dispute a few weeks ago?? If the CFPB reads the Equifax response, it does not address my complaint. This looks to me like a auto response or a form letter. This is exactly what is wrong with Experian. \nI am asking the CFPB to immediately require Experian to provide me with the documentation they used to validate the XXXX XXXX item on my credit report. This documentation must include the original creditor documentation for the account being reported and documentation showing the exact date the account went delinquent. \n\nBelow is the Experian Auto Response Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. \nWe have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. At your request to begin an investigation, we are in the process of contacting the data furnisher 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 result summary will be provided directly to you for review. \n\nFor 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 XXXX. \n\nThank 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":"2016-01-17T20:08:35.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"40014","tags":null,"has_narrative":true,"complaint_id":"1744815","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-01-17T20:08:34.000Z","state":"KY","company_public_response":"Company chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Thank you for submitting your <em>complaint</em> through the <em>CFPB</em> <em>Complaint</em> Portal. It is our policy to respond to <em>consumer</em> <em>complaints</em> swiftly and to take each <em>complaint</em> seriously. We appreciate you letting us know about your experiences with Experian."]},"sort":[12.790245,"1744815"]},{"_index":"complaint-public-v1","_id":"7652594","_score":12.760409,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that LexisNexis holds about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my SECOND REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted Complaint # XXXX with the Consumer Financial Protection Bureau XXXX CFPB ) which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. LexisNexis response to the CFPB dated XX/XX/2023, failed to address my request for my C.L.U.E Report with COMPLETE SOURCE DATA in any way. On XX/XX/2023, I submitted my THIRD REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my FOURTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my FIFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my SIXTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my SEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my EIGHTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my NINTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my TENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted Complaint # XXXX with the ( CFPB ) which details LexisNexis refusal XXXX provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis states : RE : Request for File : On XX/XX/2023, LexisNexis mailed a copy of his file to XXXX XXXX for his review. LexisNexis intentionally misled the CFPB by failing to identify the exact report and/or file that they claim to have forwarded for my review. On XX/XX/2023, I submitted an ELEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted my TWELFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, I submitted Complaint # XXXX with the ( CFPB ) which details LexisNexis refusal XXXX provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter, Consumer Number XXXX, ( See attached Supporting Document # XXXX ) addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis XXXX : This correspondence is in response to the complaint LexisNexis Risk Solutions XXXX ( LexisNexis ) received from your office on XX/XX/2023 on behalf of XXXX XXXX XXXX, in which XXXX XXXX is requesting a copy of his file. ... In response to XXXX XXXX complaint filed with your office, on XX/XX/2023, LexisNexis mailed a copy of his LexisNexis Consumer Disclosure Report to XXXX XXXX directly for his review. As of the date of this communication, LexisNexis is STILL refusing to provide me with the requested C.L.U.E Report with COMPLETE SOURCE DATA. Once again, LexisNexis sent a copy of my LexisNexis Consumer Disclosure Report, NOT a copy of my XXXX XXXX ( Comprehensive Loss Underwriting Exchange ) Report with COMPLETE SOURCE DATA as I have now requested XXXX TIMES!! Seriously, how hard is it to send a copy of the report that I actually requested?","date_sent_to_company":"2023-10-05T15:10:05.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"617XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7652594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-10-05T15:06:27.000Z","state":"IL","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE <em>DATA</em>. On XX/XX/2023, I submitted my SECOND REQUEST for my C.L.U.E Report with COMPLETE SOURCE <em>DATA</em>. On XX/XX/2023, I submitted <em>Complaint</em> # XXXX with the <em>Consumer</em> Financial Protection Bureau XXXX <em>CFPB</em> ) which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE <em>DATA</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"]},"sort":[12.760409,"7652594"]},{"_index":"complaint-public-v1","_id":"14703712","_score":12.735059,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint Regarding IQ Data XXXX  Reporting an Unvalidated Debt To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, I am writing to file a formal complaint against IQ Data XXXX XXXX XXXX for reporting an account on my credit report that has\n\nnot been legally validated as required by federal law. IQ Data has placed a collection account on my credit report. However, I have never received any proper notice of thi\ns alleged debt, and they have failed to provide me with validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g. \n\nAccording to the FDCPA, within five days of the initial communication, a debt collector must provide the consumer with a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer disputes the validity of the debt within 30 days, the debt will be assumed valid ; A statement that if the consumer notifies the collector in writing within the 30-day period that the debt is disputed, the collector must obtain verification of the debt and mail it to the consumer.\n\nI made a timely request for debt validation, yet IQ Data failed to respond or provide any evidence, including a contract bearing my signature or any itemized billing. Despite this, they continue to report the alleged debt to the credit bureaus, which constitutes continued collection activity without proper validation, a direct violation of the FDCPA. \n\nFurthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, a data furnisher like IQ Data is obligated to report only accurate and verified information. Reporting unverifiable or inaccurate data on my credit file is a violation of the FCRA.\n\nI am requesting the CFPB to : Investigate IQ Datas practices regarding debt validation and credit reporting ; Order the immediate removal of the unvalidated account from all consumer reporting agencies ; Hold IQ Data accountable for any violations of the FDCPA and FCRA. \n\nPlease confirm receipt of this complaint and keep me informed of any progress in the investigation.","date_sent_to_company":"2025-07-17T21:56:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"89118","tags":null,"has_narrative":true,"complaint_id":"14703712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-07-17T21:50:00.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Regarding IQ <em>Data</em> XXXX  Reporting an Unvalidated Debt To : <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ) Dear <em>CFPB</em>, I am writing to file a formal <em>complaint</em> against IQ <em>Data</em> XXXX XXXX XXXX for reporting an account on my credit report that has\n\nnot been legally validated as required by federal law. IQ <em>Data</em> has placed a collection account on my credit report."]},"sort":[12.735059,"14703712"]},{"_index":"complaint-public-v1","_id":"16630710","_score":12.707391,"_source":{"product":"Debt collection","complaint_what_happened":"Company : IQ Data XXXX XXXX XXXX. \nProduct : Debt collection Issue : Attempted to collect debt not owed/ failed to provide validation / unlicensed to collect in my state Submitted by : XXXX XXXX, Texas resident Summary of Complaint I am filing this complaint against IQ Data XXXX XXXX XXXX for multiple, ongoing violations of federal and state consumer protection laws. \n\nIQ Data XXXX is attempting to collect a debt allegedly owed to XXXX XXXX XXXX TX in the amount of {$4600.00}, which they have reported to credit bureaus despite failing to provide required debt validation. \n\nKey Facts and Violations Failure to Validate Debt ( FDCPA 1692g ( b ) ) I sent a written validation request via certified mail on XX/XX/year> ( XXXX XXXX # XXXX ). \n\nMore than 120 days have passed without any validation documents. \n\nXXXX XXXX continues to report the debt to credit bureaus in violation of the Fair Debt Collection Practices Act ( FDCPA ). \n\nIllegal Furnishing of Unvalidated Debt ( FCRA 1681s-2 ( a ) ) IQ Data has admitted in its prior CFPB response that the account is disputed, yet continues to report it.\n\nFurnishing disputed, unvalidated data violates the Fair Credit Reporting Act ( FCRA ) and exposes consumers to inaccurate credit reporting. \n\nUnlicensed Collection Activity in Texas ( Texas Finance Code 392.101 ) I verified through the XXXX XXXX XXXX XXXX ( XXXX ) and the Texas Office of Consumer Credit Commissioner ( OCCC ) that IQ Data XXXX is not licensed to collect debts in the State of Texas, where I reside. \n\nUnder Texas law, an entity must hold an active debt collection license to collect or attempt to collect debts from Texas residents. \n\nOperating without a license constitutes unlawful collection activity under Texas Finance Code Chapter 392, and any continued collection or credit furnishing in Texas is illegal.\n\nMisrepresentation and Inaccurate Consumer Data IQ Data has misidentified me in its CFPB correspondence ( referring to me as XXXX XXXX ), which raises concerns about the accuracy of their consumer records and reporting systems. \n\nPrior Actions Taken Filed an original CFPB complaint ( Case # XXXX ) regarding failure to validate the debt. \n\nSent validation request via certified mail ( proof of delivery attached ). \n\nFiled complaint with the Texas Office of Consumer Credit Commissioner ( OCCC ) for unlicensed activity.\n\nDisputed the account directly with XXXX, XXXX, and XXXX. \n\nDesired Resolution I am requesting that the CFPB : Investigate and confirm that IQ Data XXXX is not licensed to collect debts in Texas. \n\nRequire IQ Data XXXX to cease all collection and credit reporting activity related to this account. \n\nDirect the company to delete the unvalidated and unlawfully reported account from all credit bureaus.\n\nRefer this matter to the Texas Office of Consumer Credit Commissioner ( OCCC ) and FTC for coordinated enforcement action against unlicensed collection activity.\n\nProvide written confirmation that the companys response and compliance actions are recorded in the CFPB Consumer Complaint Database. \n\nAttachments to Upload XXXX  Consumer Access screenshot showing no Texas license for IQ Data XXXX CFPB complaint closure confirmation ( Case # XXXX ) Certified mail proof of debt validation request Credit report excerpt showing continued reporting Timeline of communication and non-response Closing IQ Data Internationals conduct demonstrates a pattern of noncompliance, misrepresentation, and unlicensed collection activity in violation of both federal and Texas state law. \nI request prompt investigation and enforcement to protect my rights under FDCPA, FCRA, and Texas Finance Code Chapter 392. \n\nComplainant : XXXX XXXX XXXX XXXX Texas XXXX","date_sent_to_company":"2025-10-16T15:58:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16630710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-10-16T15:53:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Misrepresentation and Inaccurate <em>Consumer</em> <em>Data</em> IQ <em>Data</em> has misidentified me in its <em>CFPB</em> correspondence ( referring to me as XXXX XXXX ), which raises concerns about the accuracy of their <em>consumer</em> records and reporting systems. \n\nPrior Actions Taken Filed an original <em>CFPB</em> <em>complaint</em> ( Case # XXXX ) regarding failure to validate the debt. \n\nSent validation request via certified mail ( proof of delivery attached )."]},"sort":[12.707391,"16630710"]},{"_index":"complaint-public-v1","_id":"11833698","_score":12.696789,"_source":{"product":"Student loan","complaint_what_happened":"This dispute is not only regarding THE DEPARTMENT OF EDUCATION, DIRECT LOANS, but also the CFPB for failing to enforce my previous lawful disputes of these \" creditors '' and failing to protect my privacy and enforce the numerous FCRA violations that I have clearly written/ stated / identified these violations unto the CFPB and unto the DEPARTMENT OF EDUCATION as well as DIRECT LOANS. I demand the CFPB to enforce my disputes in accordance with the FCRA and stop allowing these allegations and false reports of these corporations to damage the credit report associated to me. \n\nI will post here in this dispute the CFPB policies that the CFPB has continuously failed to enforce The XXXX XXXX XXXX XXXX  Overview : The Privacy Act governs how federal agencies, including the CFPB, handle personally identifiable information ( PII ). The law aims to prevent the misuse of personal information by federal agencies. \nRequirements : Federal agencies must maintain systems of records that are necessary and relevant to their functions. \nIndividuals must be informed when their personal information is being collected, and they have the right to access, correct, and request the deletion of their data. \nAgencies must ensure that personal data is protected from unauthorized disclosure. \nCFPBs Role : The CFPB, as a federal agency, must adhere to these requirements when handling consumer data. They must ensure that consumer complaints, investigations, and other personal information are kept private unless disclosure is legally authorized. \nXXXX XXXX XXXX XXXX XXXX  ) Overview : The XXXX applies to financial institutions, including those regulated by the CFPB, and protects consumers nonpublic personal information ( NPI ) in financial transactions. \nRequirements : Privacy Rule : Requires financial institutions to establish privacy policies and practices that protect consumer NPI. \nSafeguards Rule : Requires financial institutions to implement physical, technical, and administrative safeguards to protect consumer data. \nOpt-Out Rule : Gives consumers the right to opt out of having their personal information shared with non-affiliated third parties. \nCFPBs Role : The CFPB enforces XXXX compliance in financial institutions and consumer lenders. While the CFPB itself isn't a financial institution, it oversees the policies that protect consumer privacy within those entities it regulates. \n3. Right to Financial Privacy Act ( RFPA ) Overview : The RFPA protects the privacy of individuals ' financial records and limits the ability of government agencies, including the CFPB, to access these records without a proper legal procedure.\n\nRequirements : Requires financial institutions to notify individuals when their records are being requested by government agencies.\n\nLimits the types of records that can be accessed and mandates that agencies must obtain consumer consent or a legal subpoena.\n\nCFPBs Role : While the CFPB can access financial records when investigating consumer financial matters, it must adhere to the RFPA 's rules and obtain consumer consent or a court order when necessary.\n\n4. The Electronic Privacy Communications Act ( ECPA ) Overview : ECPA governs the interception and disclosure of electronic communications, including those that may be relevant in consumer financial transactions. \nRequirements : Restricts unauthorized access to electronic communications, such as email, and requires proper consent for interception. \nProtects the privacy of personal data in electronic records, including financial information. \nCFPBs Role : If the CFPB investigates or interacts with consumers electronically ( e.g., through email or online systems ), it must ensure that the agency complies with the ECPAs regulations regarding the interception and disclosure of electronic communications. \n5. Fair Credit Reporting Act ( FCRA ) Overview : The FCRA regulates the collection, dissemination, and use of consumer credit information. It is also designed to ensure the accuracy, fairness, and privacy of information contained in consumer credit reports.\n\nRequirements : Credit reporting agencies must ensure that personal financial information is accurate and used only for permissible purposes.\n\nConsumers have the right to access their credit reports, dispute inaccuracies, and request corrections.\n\nCFPBs Role : The CFPB enforces FCRA compliance by financial institutions and credit reporting agencies. It ensures that consumers financial data is not misused or shared without proper authorization.\n\n6. Children 's Online Privacy Protection Act ( COPPA ) Overview : COPPA is designed to protect the privacy of children under the age of 13 online. It regulates how companies collect personal data from children and ensures that parents are informed and have control over such data.\n\nRequirements : Requires companies to obtain verifiable parental consent before collecting personal information from children under 13. \nCompanies must have a privacy policy detailing their data collection practices. \nCFPBs Role : While the CFPB doesnt directly regulate COPPA, its financial education programs and consumer protection efforts must be mindful of childrens privacy if the agency interacts with minors. \nXXXX. XXXX XXXX XXXX XXXX and Consumer Protection Act Overview : The Dodd-Frank Act created the CFPB and provides broad authority to the agency to regulate consumer financial products and services. Although XXXX doesn't directly focus on privacy, it incorporates several provisions that aim to protect consumers financial data. \nRequirements : Mandates that the CFPB develop and enforce regulations to protect consumers from unfair or deceptive practices in financial services, which often include issues related to privacy and data security. \nEmpowers the CFPB to ensure that financial institutions are transparent in their dealings with consumers, including data sharing and protection. \nCFPBs Role : The CFPB, under XXXX, is responsible for enforcing privacy protections related to financial products and services. It can take action against companies that mishandle consumer data or engage in deceptive practices related to financial privacy. \n8. The Consumer Financial Protection Bureaus Own Privacy Policies Overview : The CFPB has its own privacy policy that is designed to protect consumer information in accordance with federal law. This includes data collected during consumer complaints, investigations, or other interactions. \nRequirements : The CFPB must provide clear privacy notices outlining how it collects, uses, and shares consumer information. \nIt must give consumers access to their information and allow them to correct inaccuracies. \nConsumer data is protected under privacy rules, with restrictions on how and when the CFPB can share data. \nCFPBs Role : The CFPB adheres to its own internal privacy practices, ensuring transparency and security regarding consumer data that the agency collects during investigations or interactions. \nKey Takeaways : The CFPB is bound by several privacy laws, primarily aimed at protecting consumers ' financial information and personal data. \nThese laws cover areas like how personal information is collected, shared, and protected by the CFPB and financial institutions. \nViolations of privacy laws by the CFPB or entities under its supervision can lead to enforcement actions, including fines, corrective measures, and potential lawsuits.","date_sent_to_company":"2025-01-29T17:40:59.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11833698","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Consumer Attorneys of America, P.A.","date_received":"2025-01-29T17:16:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["This includes <em>data</em> collected during <em>consumer</em> <em>complaints</em>, investigations, or other interactions. \nRequirements : The <em>CFPB</em> must provide clear privacy notices outlining how it collects, uses, and shares <em>consumer</em> information. \nIt must give <em>consumers</em> access to their information and allow them to correct inaccuracies. \n<em>Consumer</em> <em>data</em> is protected under privacy rules, with restrictions on how and when the <em>CFPB</em> can share <em>data</em>."],"company":["<em>Consumer</em> Attorneys of America, P.A."]},"sort":[12.696789,"11833698"]},{"_index":"complaint-public-v1","_id":"12004048","_score":12.613937,"_source":{"product":"Credit card","complaint_what_happened":"TO WHOM IT MAY CONCERN, I am submitting this informal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Comenity Capital Banks ( Hereafter, Comenity ) improper handling of consumer credit data, failure to ensure accurate identity verification, and potential systemic deficiencies in the transmission and use of financial data. This complaint will be forwarded to Comenity for response as part of the CFPBs informal complaint process. However, if Comenity fails to resolve the issue appropriately, I will escalate to reporting the matter to the FTC and Comenity Banks state and federal regulatory authorities as well as pursue legal action.\n\nSUMMARY OF THE ISSUE.\n\nComenity wrongfully denied my credit application based on an incorrect XXXXXXXX XXXX XXXX of XXXX score that does not belong to me. I applied for a XXXX XXXX Credit Card and received an adverse determination letter, dated XX/XX/year> ( Application # XXXX ), and upon investigation, XXXX confirmed with me directly that my actual risk score is XXXX, not XXXX. Further, XXXX confirmed that Comenity never accessed my credit file before issuing its adverse action letter. \nThis raises serious concerns that : Comenity misused or misattributed consumer credit data in its decision-making process. \nXXXXomenity failed to verify my identity properly, potentially leading to fraudulent or inaccurate credit denials.\n\nComenity may have systemic deficiencies in its data transmission and verification processes, which could be affecting a broader range of consumers.\n\nLEGAL BASIS FOR COMPLAINT.\n\nComenitys actions may constitute violations of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Duty of furnishers ( Comenity ) to report accurate consumer information.\n\n15 U.S.C. 1681 ( b ) : Credit reports may only be used for permissible purposes.\n\n15 U.S.C. 1681 ( i ) : Consumers have the right to dispute inaccurate information and receive a timely resolution.\n\nKEY FACTS SUPPORTING MY COMPLAINT. \nIncorrect XXXX XXXX Used in My Credit Denial. \nMy adverse action letter from Comenity, dated XX/XX/year>, states that my XXXXXXXX XXXX XXXX was XXXX. \nXXXX has confirmed that my actual score is XXXX, which means Comenity either used incorrect information or failed to verify my identity properly. \nXXXX Confirms Comenity Never Pulled My Report. \nAfter receiving the denial letter, I contacted XXXX directly, and they confirmed that Comenity never accessed my credit file. \nThis suggests that Comenity used unverified or inaccurate third-party data when evaluating my application.\n\nFailure of Comenity Representatives to Address or Remedy the Issue. \nOn XX/XX/year>, I spoke with multiple Comenity representatives, including XXXX from Account XXXX, who refused to investigate the issue despite clear evidence of an error. He falsely denied knowledge of my risk scoreeven after I read it to him from Comenitys own adverse action letterand dismissed my concerns, instructing me to 'just apply again ' rather than addressing the improper use of inaccurate data.\n\nThis lack of accountability and failure to correct an obvious error demonstrates that Comenity may be violating FCRA regulations and failing to properly manage financial data in compliance with consumer protection standards. \n\nNOTICE OF INTENT TO ESCALATE. \nIf Comenity fails to correct this issue within 30 days, I will : File a formal complaint with the Federal Trade Commission ( FTC ) to initiate an investigation into Comenitys credit reporting practices.\n\nSubmit official complaints to state regulators in Delaware and Utah, where Comenity operates.\n\nPursue legal action under the FCRA, seeking statutory damages, punitive damages, and attorneys fees for willful violations. \nCLARIFICATION REGARDING THE CFPB 'S ROLE. \nI acknowledge that during the informal complaint process, the CFPB does not take direct action on individual complaints. However, I am submitting this complaint to ensure that : Comenity receives and responds to this complaint in accordance with consumer protection guidelines.\n\nThe CFPB documents this issue for potential future enforcement actions, as Comenitys handling of credit evaluations may reflect a broader pattern of misconduct.\n\nCONCLUSION This issue extends beyond an isolated credit denial. It reflects a broader concern about how Comenity manages, transmits, and verifies consumer financial data, potentially impacting thousands of consumers. The CFPB plays a key role in ensuring that financial institutions uphold consumer data integrity, proper identity verification, and accurate information transmission in financial and telecommunications networks. \n\nI request that Comenity respond directly to this informal complaint with a full explanation and corrective action within 30 days. Please send all correspondence to the address listed above. \n\nThank you for your time and attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-09T18:53:40.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"78754","tags":"Servicemember","has_narrative":true,"complaint_id":"12004048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-02-09T18:36:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["TO WHOM IT MAY CONCERN, I am submitting this informal <em>complaint</em> to the <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ) regarding Comenity Capital Banks ( Hereafter, Comenity ) improper handling of <em>consumer</em> credit <em>data</em>, failure to ensure accurate identity verification, and potential systemic deficiencies in the transmission and use of financial <em>data</em>. This <em>complaint</em> will be forwarded to Comenity for response as part of the <em>CFPBs</em> informal <em>complaint</em> process."]},"sort":[12.613937,"12004048"]},{"_index":"complaint-public-v1","_id":"13462979","_score":12.573964,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SEE PHOTOS ATTACHED - EQUIFAX REPEATING THE COMPLAINT NOT CORRECTING THE PROBLEM REPORTING MY CREDIT CARD ENDING IN XXXX EQUIFAX STILL NOT RESPONDING TO CFPB, XXXXXXXX XXXX XXXX OR ME EXCEPT TO REPEAT THE COMPLAINT BACK -- - Previous : Daily updating my damages =lost work time and pay on hold with Equifax refusing 3-way calls with XXXX to fix the problem. \nUSPS confirms Equifax received all requested info multiple times, The case has never been responded to, only repeated back, and is still fully open. Both XXXXXXXX XXXX XXXX  and I brought to Equifax and CFPB the falsification of my credit card has been investigated and Equifax is negligent. Equifax sends the below every 30 days : \" Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' For YEARS Equifax has been falsifying my credit report, with CFPB apparently complicit -see excerpt of all previous : This is exactly why Trump and his voters like me want CFPB employees fired. AGAIN : Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notifies me the company has responded. Equifax has never responded ; only returned the complaint. ( \" Resolved : credit card is not reporting. '' ) THIS IS THE COMPLAINT - THE CARD IS NOT REPORTING. Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX, XXXX, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : Equifax IS a credit reporting agency, who exists solely to report creditors. = AGAIN Equifax with CFPB 's help are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse. In the past three years, Equifax has faced multiple lawsuits and settlements related to their 2017 data breach and subsequent errors in credit reports. The 2017 breach exposed the data of approximately XXXX XXXX consumers. There have also been lawsuits and fines related to Equifax 's handling of consumer disputes and inaccurate credit reporting. Here 's a more detailed breakdown : 2017  Data Breach : Equifax settled a class action lawsuit related to the 2017 data breach for {$700.00} XXXX. Improper Investigations : The Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes and address inaccuracies in credit reports. Inaccurate Credit Scores : New York Attorney General ( .gov ) secured a settlement with Equifax for {$720000.00} due to inaccurate credit scores reported to lenders, impacting consumers ' loan costs.","date_sent_to_company":"2025-05-12T16:00:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13462979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-12T15:52:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["In the past three years, Equifax has faced multiple lawsuits and settlements related to their 2017 <em>data</em> breach and subsequent errors in credit reports. The 2017 breach exposed the <em>data</em> of approximately XXXX XXXX <em>consumers</em>. There have also been lawsuits and fines related to Equifax 's handling of <em>consumer</em> disputes and inaccurate credit reporting. Here 's a more detailed breakdown : 2017  <em>Data</em> Breach : Equifax settled a class action lawsuit related to the 2017 <em>data</em> breach for {$700.00} XXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.573964,"13462979"]},{"_index":"complaint-public-v1","_id":"13479359","_score":12.562388,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"SEE PHOTOS ATTACHED - EQUIFAX REPEATING THE COMPLAINT NOT CORRECTING THE PROBLEM = STILL NOT REPORTING MY CREDIT CARD ENDING IN XXXX EQUIFAX STILL NOT RESPONDING TO CFPB, XXXX 'S BANK OR ME EXCEPT ONLY REPEATING THE COMPLAINT BACK EVERY 30 DAYS -- - Previous : Daily updating my damages =lost work time and pay on hold with Equifax refusing 3-way calls with XXXX to fix the problem. XXXX confirms Equifax received all requested info multiple times, The case has never been responded to, only repeated back, and is still fully open. Both XXXXXXXX XXXX XXXX and I brought to Equifax and CFPB the falsification of my credit card has been investigated and Equifax is negligent. Equifax sends the below every 30 days : \" Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. '' For YEARS Equifax has been falsifying my credit report, with CFPB apparently complicit -see excerpt of all previous : This is exactly why Trump and his voters like me want CFPB employees fired. AGAIN : Equifax is not reporting my largest credit card ( XXXX ending in XXXX ), CFPB notifies me the company has responded. Equifax has never responded ; only returned the complaint. ( \" Resolved : credit card is not reporting. '' ) THIS IS THE COMPLAINT - THE CARD IS NOT REPORTING. Thus my credit continues being falsified year after year, since all the other credit bureaus XXXX, Experian, and XXXX are reporting and only Equifax is not. Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. AGAIN : Equifax is falsifying my information online and not responding to my complaint ; CFPB is publishing it is. AGAIN : Equifax IS a credit reporting agency, who exists solely to report creditors. = AGAIN Equifax with CFPB 's help are FALSIFYING MY CREDIT REPORT - YES CFPB 's employees should be terminated immediately for incompetence at best - criminal collusion at worse. In the past three years, Equifax has faced multiple lawsuits and settlements related to their 2017 data breach and subsequent errors in credit reports. The 2017 breach exposed the data of approximately 147 million consumers. There have also been lawsuits and fines related to Equifax 's handling of consumer disputes and inaccurate credit reporting. Here 's a more detailed breakdown : 2017 Data Breach : Equifax settled a class action lawsuit related to the 2017 data breach for {$700.00} million. Improper Investigations : The Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} million for failing to properly investigate consumer disputes and address inaccuracies in credit reports. Inaccurate Credit Scores : New York Attorney General ( .gov ) secured a settlement with Equifax for {$720000.00} due to inaccurate credit scores reported to lenders, impacting consumers ' loan costs.","date_sent_to_company":"2025-05-13T20:57:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"13479359","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T20:49:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["In the past three years, Equifax has faced multiple lawsuits and settlements related to their 2017 <em>data</em> breach and subsequent errors in credit reports. The 2017 breach exposed the <em>data</em> of approximately 147 million <em>consumers</em>. There have also been lawsuits and fines related to Equifax 's handling of <em>consumer</em> disputes and inaccurate credit reporting. Here 's a more detailed breakdown : 2017 <em>Data</em> Breach : Equifax settled a class action lawsuit related to the 2017 <em>data</em> breach for {$700.00} million."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.562388,"13479359"]},{"_index":"complaint-public-v1","_id":"7588188","_score":12.555339,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX  I complained to the CFPB about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to XXXX and Experian. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous CFPB complaint XXXX. The data furnisher stated that the investigation has been completed with the results stating First payment was never received. I was not contacted upon this investigation of the fraudulent account with XXXX XXXX  XXXX.How does the data furnisher complete the investigation without contacting the consumer to get an accurate statement? Also, how can I make a payment to an account that was applied and used fraudulently? Once again my FTC report is attached to this complaint and a screenshot of the results sent to XXXX of data furnishers statement.","date_sent_to_company":"2023-09-22T15:09:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"7588188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-22T15:09:18.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX  I complained to the <em>CFPB</em> about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to XXXX and Experian. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous <em>CFPB</em> <em>complaint</em> XXXX. The <em>data</em> furnisher stated that the investigation has been completed with the results stating First payment was never received."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[12.555339,"7588188"]},{"_index":"complaint-public-v1","_id":"7592430","_score":12.5491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2023 I complained to the CFPB about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to Equifax and XXXX. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous CFPB complaint XXXX. The data furnisher stated that the investigation has been completed with the results stating First payment was never received. I was not contacted upon this investigation of the fraudulent account with XXXX XXXX  XXXX.How does the data furnisher complete the investigation without contacting the consumer to get an accurate statement? Also, how can I make a payment to an account that was applied and used fraudulently? Once again my FTC report is attached to this complaint and a screenshot of the results sent to Equifax of data furnishers statement.","date_sent_to_company":"2023-09-22T15:09:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"7592430","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-22T14:46:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/2023 I complained to the <em>CFPB</em> about my experience of a fraudulent account XXXX that XXXX XXXX  XXXX is reporting to Equifax and XXXX. I have filled out an FTC report regarding my issue with XXXX XXXX  XXXX in the previous <em>CFPB</em> <em>complaint</em> XXXX. The <em>data</em> furnisher stated that the investigation has been completed with the results stating First payment was never received."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[12.5491,"7592430"]},{"_index":"complaint-public-v1","_id":"13467581","_score":12.523481,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX ( now part of XXXX XXXX XXXX ), CoreLogic I am writing to formally file a complaint regarding multiple consumer reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of data collection, use, and sharing for marketing, prescreening, or other non-essential purposes, and I am requesting that all data brokerage between myself and them ends immediately. \n\nThe companies in question are : XXXX ( XXXX XXXX XXXX ) CoreLogic In attempting to opt out of their data brokerage practices, I have encountered significant roadblocks. These include : Inaccessible or confusing opt-out procedures XXXX of digital or verifiable opt-out options I am requesting that the CFPB investigate these organizations for non-compliance with federal consumer protection standards, especially as it pertains to consumer autonomy over personal data. I also request that these agencies be required to : Provide permanent, verifiable opt-out options available online and by mail Cease all non-essential data collection, sharing, or resale following a valid opt-out Acknowledge and confirm opt-out requests in writing I believe that these companies are failing to meet reasonable standards of transparency and respect for consumer rights. I request that the CFPB hold them accountable and compel corrective action to bring them into compliance","date_sent_to_company":"2025-05-12T08:46:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"404XX","tags":null,"has_narrative":true,"complaint_id":"13467581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-05-12T08:45:40.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Against XXXX ( now part of XXXX XXXX XXXX ), CoreLogic I am writing to formally file a <em>complaint</em> regarding multiple <em>consumer</em> reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of <em>data</em> collection, use, and sharing for marketing, prescreening, or other non-essential purposes, and I am requesting that all <em>data</em> brokerage between myself and them ends immediately."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[12.523481,"13467581"]},{"_index":"complaint-public-v1","_id":"13462324","_score":12.511246,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX ( now part of XXXX XXXX XXXX ), XXXX I am writing to formally file a complaint regarding multiple consumer reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of data collection, use, and sharing for marketing, prescreening, or other non-essential purposes, and I am requesting that all data brokerage between myself and them ends immediately. \n\nThe companies in question are : XXXX ( XXXX XXXX XXXX ) CoreLogic In attempting to opt out of their data brokerage practices, I have encountered significant roadblocks. These include : Inaccessible or confusing opt-out procedures XXXX of digital or verifiable opt-out options I am requesting that the CFPB investigate these organizations for non-compliance with federal consumer protection standards, especially as it pertains to consumer autonomy over personal data. I also request that these agencies be required to : Provide permanent, verifiable opt-out options available online and by mail Cease all non-essential data collection, sharing, or resale following a valid opt-out Acknowledge and confirm opt-out requests in writing I believe that these companies are failing to meet reasonable standards of transparency and respect for consumer rights. I request that the CFPB hold them accountable and compel corrective action to bring them into compliance","date_sent_to_company":"2025-05-12T08:46:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"404XX","tags":null,"has_narrative":true,"complaint_id":"13462324","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2025-05-12T08:38:59.000Z","state":"KY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Against XXXX ( now part of XXXX XXXX XXXX ), XXXX I am writing to formally file a <em>complaint</em> regarding multiple <em>consumer</em> reporting agencies that have failed to provide a clear, accessible, and effective process for opting out of <em>data</em> collection, use, and sharing for marketing, prescreening, or other non-essential purposes, and I am requesting 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