{"took":78,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19317,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8595376","_score":21.333097,"_source":{"product":"Credit card","complaint_what_happened":"Upon receiving your correspondence dated XX/XX/2024, I noted the mention of a delinquent credit obligation ( s ) on my credit bureau report as a contributing factor to the denial of my request for credit. While I appreciate the transparency provided regarding the basis for the denial, I seek further clarification on several fronts to ensure that all relevant legal provisions have been adhered to. Under federal law, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), creditors are mandated to adhere to strict guidelines concerning fair lending practices, non-discrimination, and the provision of specific reasons for adverse actions on credit applications. Additionally, regulations such as 15 USC 1691c and 15 USC XXXXXXXX provide further protections to consumers, including the right to be informed of adverse actions based on information obtained from consumer reports. As a consumer residing in Pennsylvania, I am also afforded protections under state law, including the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ). It is imperative that any denial of credit application be in full compliance with both federal and state credit laws.","date_sent_to_company":"2024-03-21T14:38:03.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"8595376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2024-03-21T14:22:49.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Additionally, regulations such as 15 USC 1691c and 15 USC XXXXXXXX provide further <em>protections</em> to <em>consumers</em>, <em>including</em> the right to be informed of adverse actions based on information obtained from <em>consumer</em> reports. As a <em>consumer</em> residing in Pennsylvania, I am also afforded <em>protections</em> under state <em>law</em>, <em>including</em> the Pennsylvania <em>Fair</em> Credit Extension Uniformity Act ( PFCEUA ). It is imperative that any denial of credit application be in full <em>compliance</em> with both <em>federal</em> and state credit <em>laws</em>."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[21.333097,"8595376"]},{"_index":"complaint-public-v1","_id":"11713113","_score":21.013905,"_source":{"product":"Student loan","complaint_what_happened":"**Subject : Urgent Demand for Validation of Reporting Authority and Account Accuracy** To Whom It May Concern, I am formally disputing your continued reporting of late payments on my student loan account, which, according to my records, was **paid in full and closed**. Despite this, your company persists in reporting inaccurate negative information, which is a clear violation of my rights under federal law. I am demanding immediate proof that Edfinancial Services has the **legal right** to report this account and to substantiate your claims in full compliance with federal regulations.\n\nUnder the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681**, and recent updates to consumer protection laws, I am requesting the following documentation : 1. **Proof of ownership and servicing rights : ** Provide certified documentation that establishes Edfinancial Services as the legal owner or authorized servicer of this student loan, including all transfer and assignment agreements from the original creditor.\n\n2. **Regulatory compliance approval : ** Show evidence that your company is in compliance with the latest federal regulations governing student loan reporting, including any approvals or licensing required under applicable consumer protection laws.\n\n3. **Complete account validation : ** Supply a full and detailed payment history, including confirmation that the account was **paid in full and closed**, along with proof of notifications sent to me in compliance with **12 C.F.R. 1022**, which mandates accurate reporting and consumer disclosure.\n\n4. **Legal right to report : ** Cite the specific legal authority under which you claim the right to report this account as delinquent, including references to federal regulations that authorize such reporting.\n\nIf you are unable to provide the requested documentation within **30 days** of this notice, I demand that you **immediately cease reporting this account** to credit bureaus and remove all negative entries related to this matter. Any failure to comply with this request will result in my pursuit of legal action to enforce my rights under the law, including potential complaints to the **Consumer Financial Protection Bureau ( CFPB ) ** and other regulatory agencies. \nThis letter serves as a formal demand for validation and dispute of inaccurate reporting. \nXXXX XXXX","date_sent_to_company":"2025-01-24T00:57:52.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"11713113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-01-24T00:47:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["**Regulatory <em>compliance</em> approval : ** Show evidence that your company is in <em>compliance</em> with the latest <em>federal</em> regulations governing student loan reporting, <em>including</em> any approvals or licensing required under applicable <em>consumer</em> <em>protection</em> <em>laws</em>.\n\n3."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[21.013905,"11713113"]},{"_index":"complaint-public-v1","_id":"11305079","_score":20.139042,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against Equifax for their mishandling of my case, non-compliance with federal regulations, and failure to properly process my documentation under the XXXX XXXX consumer protection laws. \n\nOn XX/XX/year>, I submitted a complaint to Equifax, including all required supporting documentation, through their upload portal.On XX/XX/XXXX, I submitted a complaint via the CFPB complaint system, including the same documentation that was sent to Equifax. Despite my full compliance, Equifax has claimed they have not received the documentation, which is false and misleading. This failure has caused unnecessary delays and exacerbated my distress. \n\nAdditionally, Equifax has misrepresented the status of my case. They sent emails to me stating the complaint is closed, while the CFPB records still indicate the case remains unresolved. This contradictory information creates confusion, undermines my ability to resolve the issue, and reflects a lack of due diligence and integrity on their part. \n\nI am asserting my rights under the \" XXXX XXXX Prevention Act, '' which provides additional protections to XXXX XXXX XXXX XXXX Equifaxs actions violate provisions outlined under this law, specifically regarding the handling and timely processing of documentation required to suppress adverse credit information resulting from trafficking. \n\nI demand the following actions immediately : Equifax must formally acknowledge receipt of my documentation and cease claims to the contrary. \n\nEquifax must resolve and close my complaint within the CFPB system and provide written confirmation of the resolution. \n\nEquifax must comply with all legal obligations under XXXX XXXX consumer laws to address and remove adverse credit information without delay. \n\nFailure to comply with these demands may result in additional legal action, including seeking enforcement through the Federal Trade Commission ( FTC ) and pursuing penalties under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. Furthermore, I reserve the right to seek damages and injunctive relief for any harm caused by Equifaxs non-compliance and negligence.\n\nI request the CFPB to investigate Equifaxs mishandling of my complaint and documentation and to take appropriate enforcement actions to ensure compliance with consumer protection laws.\n\nPlease let me know if you require any additional information regarding this matter.","date_sent_to_company":"2024-12-28T16:11:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"11305079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-28T16:00:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Equifax must comply with all legal obligations under XXXX XXXX <em>consumer</em> <em>laws</em> to address and remove adverse credit information without delay. \n\nFailure to comply with these demands may result in additional legal action, <em>including</em> seeking enforcement through the <em>Federal</em> Trade Commission ( FTC ) and pursuing penalties under the <em>Fair</em> Credit Reporting Act ( FCRA ) and the <em>Consumer</em> Financial <em>Protection</em> Act."]},"sort":[20.139042,"11305079"]},{"_index":"complaint-public-v1","_id":"15102694","_score":19.815401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CRITICAL ESCALATION - SYSTEMATIC FCRA VIOLATIONS AND REGULATORY DEFIANCE This constitutes an emergency escalation regarding blatant disregard for federal consumer protection statutes. On XXXX XXXX XXXX, I submitted a legally compliant identity theft dispute under FCRA 605B with comprehensive documentation including FTC Identity Theft Report, government identification, address proof, and complete credit report. Federal statute explicitly requires blocking of fraudulent information within four business days- this is mandatory, not discretionary. As of XXXX XXXX XXXX  - nearly four weeks later - this consumer reporting agency has flagrantly violated federal law by refusing to block the fraudulent XXXX XXXX inquiry from XXXX and XXXX account XXXX. This represents systematic defiance of congressional mandates under 605B which requires immediate blocking without investigation, verification, or delay. Their conduct violates 605B blocking requirements, 607 accuracy obligations, 610 procedural fairness standards, and 616 notification duties. This pattern demonstrates contemptuous disregard for federal authority and causes ongoing harm to identity theft victims nationwide. I demand immediate CFPB enforcement including substantial civil money penalties for willful statutory violations. Additionally, I request emergency regulatory orders compelling immediate blocking of all fraudulent entries, written confirmation of compliance, updated credit report showing removal, and mandatory implementation of enhanced 605B compliance protocols. This agency 's systematic violation of federal mandates requires immediate regulatory intervention to restore rule of law and protect vulnerable consumers from continued illegal practices that undermine congressional intent behind identity theft protections.","date_sent_to_company":"2025-08-05T07:02:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92602","tags":null,"has_narrative":true,"complaint_id":"15102694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-05T06:57:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This agency 's systematic violation of <em>federal</em> mandates requires immediate regulatory intervention to restore rule of <em>law</em> and protect vulnerable <em>consumers</em> from continued illegal practices that undermine congressional intent behind identity theft <em>protections</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.815401,"15102694"]},{"_index":"complaint-public-v1","_id":"12214315","_score":19.728182,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes. \n\nIt is unacceptable that Experian, as XXXX of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. \n\nBelow, I cite XXXX key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : XXXX. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness. \n\nXXXX. XXXX*15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. \n\nXXXX. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within XXXX  days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law. \n\nI demand that Experian : XXXX. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report. \n\nXXXX. Provide me with written confirmation of the results of the reinvestigation, including any corrections made. \n\nXXXX. Remove any inaccurate, incomplete, or unverifiable information from my credit report. \n\nXXXX. Cease any practices that violate federal consumer protection laws, including sham investigations.","date_sent_to_company":"2025-02-25T15:51:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11553","tags":null,"has_narrative":true,"complaint_id":"12214315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-25T15:30:37.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Formal Dispute and Demand for <em>Compliance</em> with <em>Consumer</em> <em>Protection</em> <em>Laws</em> To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.728182,"12214315"]},{"_index":"complaint-public-v1","_id":"12000105","_score":19.691986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Dispute and Demand for Compliance with Consumer Protection Laws XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XX/XX/XXXX Experian Credit Bureau [ Experian Address ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes. \nIt is unacceptable that Experian, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. \nBelow, I cite three key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness. \n2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. \n3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law.\n\nI demand that Experian : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.\n\n2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.\n\n3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.\n\n4. Cease any practices that violate federal consumer protection laws, including sham investigations.\n\nIf Experian fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of Experians negligence and noncompliance. \nThis letter serves as formal notice of my dispute and a demand for immediate action. I expect Experian to uphold its legal obligations and protect my rights as a consumer. \nSincerely, XXXX XXXX XXXX or XXXX D.O.B XX/XX/XXXX XXXX XXXX of social XXXX This is identify theft!","date_sent_to_company":"2025-02-08T10:20:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"12000105","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-08T10:19:32.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Formal Dispute and Demand for <em>Compliance</em> with <em>Consumer</em> <em>Protection</em> <em>Laws</em> XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XX/XX/XXXX Experian Credit Bureau [ Experian Address ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute and Demand for <em>Compliance</em> with <em>Consumer</em> <em>Protection</em> <em>Laws</em> To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.691986,"12000105"]},{"_index":"complaint-public-v1","_id":"12000058","_score":19.685154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Dispute and Demand for Compliance with Consumer Protection Laws XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XX/XX/XXXX Experian Credit Bureau [ Experian Address ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes. \nIt is unacceptable that Experian, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. \nBelow, I cite three key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness. \n2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. \n3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law.\n\nI demand that Experian : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.\n\n2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.\n\n3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.\n\n4. Cease any practices that violate federal consumer protection laws, including sham investigations.\n\nIf Experian fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of Experians negligence and noncompliance. \nThis letter serves as formal notice of my dispute and a demand for immediate action. I expect Experian to uphold its legal obligations and protect my rights as a consumer. \nSincerely, XXXX XXXX XXXX or XXXX D.O.B XX/XX/XXXX XXXX XXXX of social XXXX This is identify theft!","date_sent_to_company":"2025-02-08T10:19:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"12000058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-08T09:46:09.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Formal Dispute and Demand for <em>Compliance</em> with <em>Consumer</em> <em>Protection</em> <em>Laws</em> XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XX/XX/XXXX Experian Credit Bureau [ Experian Address ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute and Demand for <em>Compliance</em> with <em>Consumer</em> <em>Protection</em> <em>Laws</em> To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.685154,"12000058"]},{"_index":"complaint-public-v1","_id":"14660227","_score":19.683125,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion is currently reporting data in non-compliance with Metro 2 guidelines, as outlined by the Consumer Data Industry Association ( CDIA ). This non-compliance may be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy and fairness of reported information. \nSpecifically, Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We request that XXXX review and update their reporting procedures to ensure adherence to Metro 2 standards, as well as compliance with relevant federal laws, including the FCRA and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). \nFailure to comply with Metro 2 guidelines and FCRA regulations can result in adverse consequences, including potential disputes and litigation. ''","date_sent_to_company":"2025-07-15T15:39:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"14660227","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-15T15:39:04.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We request that XXXX review and update their reporting procedures to ensure adherence to Metro 2 standards, as well as <em>compliance</em> with relevant <em>federal</em> <em>laws</em>, <em>including</em> the FCRA and regulations set forth by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ). \nFailure to comply with Metro 2 guidelines and FCRA regulations can result in adverse consequences, <em>including</em> potential disputes and litigation. ''"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.683125,"14660227"]},{"_index":"complaint-public-v1","_id":"11999413","_score":19.680489,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Dispute and Demand for Compliance with Consumer Protection Laws XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XX/XX/XXXX Experian Credit Bureau [ Experian Address ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes. \nIt is unacceptable that Experian, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. \nBelow, I cite three key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness. \n2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation. \n3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law.\n\nI demand that Experian : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.\n\n2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.\n\n3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.\n\n4. Cease any practices that violate federal consumer protection laws, including sham investigations.\n\nIf Experian fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of Experians negligence and noncompliance. \nThis letter serves as formal notice of my dispute and a demand for immediate action. I expect Experian to uphold its legal obligations and protect my rights as a consumer. \nSincerely, XXXX XXXX XXXX or XXXX D.O.B XX/XX/XXXX XXXX XXXX of social XXXX This is identify theft!","date_sent_to_company":"2025-02-08T10:19:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21234","tags":null,"has_narrative":true,"complaint_id":"11999413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-08T10:19:32.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Formal Dispute and Demand for <em>Compliance</em> with <em>Consumer</em> <em>Protection</em> <em>Laws</em> XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XX/XX/XXXX Experian Credit Bureau [ Experian Address ] [ City, XXXX, ZIP Code ] Subject : Formal Dispute and Demand for <em>Compliance</em> with <em>Consumer</em> <em>Protection</em> <em>Laws</em> To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.680489,"11999413"]},{"_index":"complaint-public-v1","_id":"16119070","_score":19.67909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute Statement for CFPB Complaint I am submitting this formal dispute regarding the recent data breach and the resulting exposure of my personal information by your company. My sensitive consumer information was compromised through no fault of my own. This breach has subjected me to potential fraud, identity theft, and lasting harm. \n\nYour company has failed in its duty to safeguard consumer data and to maintain compliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of consumer reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures.\n\nFair Credit Data Reporting Act ( FCDRA ) Mandates the responsible handling and protection of consumer data, which has clearly been violated. \n\nMetro 2 Compliance Standards As a data furnisher, you are required to ensure accurate, timely, and complete reporting. Continuing to report accounts after a known breach exposes consumers to further harm and violates industry compliance requirements.\n\nAs a direct result of this breach, I demand permanent deletion of all negative information that is inaccurate, unverifiable, or harmful on my consumer file. This includes, but is not limited to : All collections All hard inquiries All late payments All charge-offs Any and all inaccuracies tied to my personal information This demand is made pursuant to my rights under the FCRA, the FCDRA, and CFPB enforcement authority . Correction is not acceptable deletion is the only remedy, as the breach demonstrates you can not guarantee accuracy or protect the integrity of my data. \n\nAdditionally, I am requesting full documentation of every party with whom my data has been shared since the breach, as required under federal law. Failure to comply will constitute continued willful non-compliance and will be reported to federal regulators, class-action attorneys, and oversight agencies. \n\nI expect immediate investigation, written confirmation of permanent deletion of all disputed items, and assurance that my consumer file will be maintained in strict compliance with all federal laws and Metro 2 standards moving forward.","date_sent_to_company":"2025-09-21T00:26:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30092","tags":null,"has_narrative":true,"complaint_id":"16119070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-21T00:01:12.000Z","state":"GA","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":["Your company has failed in its duty to safeguard <em>consumer</em> data and to maintain <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>, <em>including</em> but not limited to : <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of <em>consumer</em> reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.67909,"16119070"]},{"_index":"complaint-public-v1","_id":"8101200","_score":19.673502,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. \n\nUnlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. \n\nRefusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. \n\nPotential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. \n\nI have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. \n\nEnclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-03T06:16:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"8101200","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-03T06:16:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Enclosed with this complaint, please find copies of all relevant correspondence, <em>including</em> the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. \n\nI kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate this complaint thoroughly and take appropriate actions to ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.673502,"8101200"]},{"_index":"complaint-public-v1","_id":"18379543","_score":19.667345,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Affidavit of Formal Complaint Regarding Improper Credit Denial and Violation of Consumer and Banking Law Dear XXXX XXXX Department and/or Compliance Officer ( S ) I am writing to formally dispute and lodge a complaint regarding your recent denial of my credit application dated XXXX XXXX APPLICATION REF # ENDING XXXX. Your decision appears to have been made in violation of applicable consumer protection laws and federal banking statutes.\n\nUnder the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to fair and lawful consideration for credit, as well as a complete and accurate explanation of any adverse action taken. Your notice failed to provide sufficient legal grounds or verification of how the decision was reached, including what data or credit information was relied upon. \nFurthermore, I bring your attention to 12 U.S.C. 411 and 412, which clearly state that Federal Reserve Notes are obligations of the United States and that such notes are issued for the purpose of providing lawful money and credit to the public through member banks. These sections recognize that U.S. currency is backed by the credit and obligation of the United States, not by the private assets of banks. Therefore, banks are authorized to extend credit based on these federal obligations rather than on their own reserves. \n\nBy denying my credit application without lawful justification, you have effectively withheld access to credit derived from XXXX XXXX and obligation, in violation of the principles established under 12 U.S.C. 411412 and federal consumer law protections.\n\nI am hereby requesting the following : A full written explanation of the reasons for my credit denial, including the exact criteria and data used in the decision-making process, as required by 15 U.S.C. 1691 ( d ).\n\nVerification that my credit evaluation was conducted in compliance with both federal banking law and\nconsumer protection statutes.\n\nImmediate correction of any unlawful or discriminatory practice that contributed to this adverse action.\n\nReconsideration of my application, ensuring that all lawful credit rights under 12 U.S.C. 411412 are honored.\n\nPlease treat this letter as a formal consumer complaint and dispute under the FCRA and ECOA. If I do not receive a satisfactory written response within 15 business days, I will file a report with the Office of the Comptroller of the Currency ( OCC ), and my State Attorney General for further investigation. \n\nI appreciate your prompt attention to this matter and expect your full compliance with federal law.","date_sent_to_company":"2025-12-30T20:54:40.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"46123","tags":null,"has_narrative":true,"complaint_id":"18379543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-12-30T20:05:25.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Affidavit of Formal Complaint Regarding Improper Credit Denial and Violation of <em>Consumer</em> and Banking <em>Law</em> Dear XXXX XXXX Department and/or <em>Compliance</em> Officer ( S ) I am writing to formally dispute and lodge a complaint regarding your recent denial of my credit application dated XXXX XXXX APPLICATION REF # ENDING XXXX. Your decision appears to have been made in violation of applicable <em>consumer</em> <em>protection</em> <em>laws</em> and <em>federal</em> banking statutes."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.667345,"18379543"]},{"_index":"complaint-public-v1","_id":"8101253","_score":19.662178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management , Inc. regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. Midland Credit Management , Inc. has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. \n\nUnlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, Midland Credit Management , Inc. continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. \n\nRefusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. \n\nPotential Violations of Identity Fraud Protection : Midland Credit Management , Inc. 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. \n\nI have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. \n\nEnclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to Midland Credit Management , Inc., highlighting my attempts to resolve this matter directly. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-03T06:16:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"8101253","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-01-03T06:03:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Enclosed with this complaint, please find copies of all relevant correspondence, <em>including</em> the letters sent to Midland Credit Management , Inc., highlighting my attempts to resolve this matter directly. \n\nI kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate this complaint thoroughly and take appropriate actions to ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.662178,"8101253"]},{"_index":"complaint-public-v1","_id":"8101201","_score":19.662178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nThe details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. \n\nUnlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. \n\nRefusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. \n\nPotential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. \n\nI have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. \n\nEnclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-03T06:16:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"8101201","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-03T06:16:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Enclosed with this complaint, please find copies of all relevant correspondence, <em>including</em> the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. \n\nI kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau investigate this complaint thoroughly and take appropriate actions to ensure <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>. \n\nThank you for your attention to this matter, and I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.662178,"8101201"]},{"_index":"complaint-public-v1","_id":"14669912","_score":19.660082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian is currently reporting data in non-compliance with Metro 2 guidelines, as outlined by the Consumer Data Industry Association ( CDIA ). This non-compliance may be in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy and fairness of reported information. \nSpecifically, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We request that Experian XXXXeview and update their reporting procedures to ensure adherence to Metro 2 standards, as well as compliance with relevant federal laws, including the FCRA and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). \nFailure to comply with Metro 2 guidelines and FCRA regulations can result in adverse consequences, including potential disputes and litigation. ''","date_sent_to_company":"2025-07-15T15:30:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"14669912","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-15T15:29:57.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["We request that Experian XXXXeview and update their reporting procedures to ensure adherence to Metro 2 standards, as well as <em>compliance</em> with relevant <em>federal</em> <em>laws</em>, <em>including</em> the FCRA and regulations set forth by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ). \nFailure to comply with Metro 2 guidelines and FCRA regulations can result in adverse consequences, <em>including</em> potential disputes and litigation. ''"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.660082,"14669912"]},{"_index":"complaint-public-v1","_id":"16118795","_score":19.64065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute Statement for CFPB Complaint I am submitting this formal dispute regarding the recent data breach and the resulting exposure of my personal information by your company. My sensitive consumer information was compromised through no fault of my own. This breach has subjected me to potential fraud, identity theft, and lasting harm. \n\nYour company has failed in its duty to safeguard consumer data and to maintain compliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of consumer reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures.\n\nFair Credit Data Reporting Act ( FCDRA ) Mandates the responsible handling and protection of consumer data, which has clearly been violated. \n\nMetro 2 Compliance Standards As a data furnisher, you are required to ensure accurate, timely, and complete reporting. Continuing to report accounts after a known breach exposes consumers to further harm and violates industry compliance requirements.\n\nAs a direct result of this breach, I demand permanent deletion of all negative information that is inaccurate, unverifiable, or harmful on my consumer file. This includes, but is not limited to : All collections All hard inquiries All late payments All charge-offs Any and all inaccuracies tied to my personal information This demand is made pursuant to my rights under the FCRA, the FCDRA, and CFPB enforcement authority . Correction is not acceptable deletion is the only remedy, as the breach demonstrates you can not guarantee accuracy or protect the integrity of my data. \n\nAdditionally, I am requesting full documentation of every party with whom my data has been shared since the breach, as required under federal law. Failure to comply will constitute continued willful non-compliance and will be reported to federal regulators, class-action attorneys, and oversight agencies. \n\nI expect immediate investigation, written confirmation of permanent deletion of all disputed items, and assurance that my consumer file will be maintained in strict compliance with all federal laws and Metro 2 standards moving forward.","date_sent_to_company":"2025-09-21T00:26:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30092","tags":null,"has_narrative":true,"complaint_id":"16118795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-21T00:25:53.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Your company has failed in its duty to safeguard <em>consumer</em> data and to maintain <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>, <em>including</em> but not limited to : <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of <em>consumer</em> reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.64065,"16118795"]},{"_index":"complaint-public-v1","_id":"16118793","_score":19.64065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute Statement for CFPB Complaint I am submitting this formal dispute regarding the recent data breach and the resulting exposure of my personal information by your company. My sensitive consumer information was compromised through no fault of my own. This breach has subjected me to potential fraud, identity theft, and lasting harm. \n\nYour company has failed in its duty to safeguard consumer data and to maintain compliance with federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of consumer reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures.\n\nFair Credit Data Reporting Act ( FCDRA ) Mandates the responsible handling and protection of consumer data, which has clearly been violated. \n\nMetro 2 Compliance Standards As a data furnisher, you are required to ensure accurate, timely, and complete reporting. Continuing to report accounts after a known breach exposes consumers to further harm and violates industry compliance requirements.\n\nAs a direct result of this breach, I demand permanent deletion of all negative information that is inaccurate, unverifiable, or harmful on my consumer file. This includes, but is not limited to : All collections All hard inquiries All late payments All charge-offs Any and all inaccuracies tied to my personal information This demand is made pursuant to my rights under the FCRA, the FCDRA, and CFPB enforcement authority . Correction is not acceptable deletion is the only remedy, as the breach demonstrates you can not guarantee accuracy or protect the integrity of my data. \n\nAdditionally, I am requesting full documentation of every party with whom my data has been shared since the breach, as required under federal law. Failure to comply will constitute continued willful non-compliance and will be reported to federal regulators, class-action attorneys, and oversight agencies. \n\nI expect immediate investigation, written confirmation of permanent deletion of all disputed items, and assurance that my consumer file will be maintained in strict compliance with all federal laws and Metro 2 standards moving forward.","date_sent_to_company":"2025-09-21T00:26:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30092","tags":null,"has_narrative":true,"complaint_id":"16118793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-21T00:25:53.000Z","state":"GA","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":["Your company has failed in its duty to safeguard <em>consumer</em> data and to maintain <em>compliance</em> with <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>, <em>including</em> but not limited to : <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 You are required to maintain maximum possible accuracy of <em>consumer</em> reports and to ensure proper procedures are in place to prevent harm from unauthorized disclosures."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.64065,"16118793"]},{"_index":"complaint-public-v1","_id":"20770784","_score":19.592646,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint for violations of consumer protection laws and the Fair Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. XXXX  is reporting multiple negative accounts, including charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, XXXX  failed to conduct a reasonable reinvestigation as required under federal law. The company continues to report misleading and inconsistent information. Additionally, these accounts contain clear Metro 2 compliance violations, including : Inaccurate account status codes Improper payment histories Missing or incorrect Date of First Delinquency Continued late payment reporting after charge-off Inconsistent account balances and histories These actions violate : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Louisiana Unfair Trade Practices and Consumer Protection Law ( La. R.S. 51:1401 et seq. ) Despite multiple disputes and requests for validation, the company has failed to provide documentation such as original contracts, payment histories, or proof of ownership.","date_sent_to_company":"2026-03-30T14:48:14.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Credit card debt","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"20770784","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TrueAccord Corp.","date_received":"2026-03-30T14:38:40.000Z","state":"LA","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["I am filing this complaint for violations of <em>consumer</em> <em>protection</em> <em>laws</em> and the <em>Fair</em> Credit Reporting Act ( FCRA ) related to inaccurate credit reporting and failure to investigate disputed information. XXXX  is reporting multiple negative accounts, <em>including</em> charge-offs, collections, and late payments, that are inaccurate, incomplete, and/or unverifiable. I formally disputed these accounts ; however, XXXX  failed to conduct a reasonable reinvestigation as required under <em>federal</em> <em>law</em>."]},"sort":[19.592646,"20770784"]},{"_index":"complaint-public-v1","_id":"15998613","_score":19.585619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, This letter is a formal notice that I am disputing the validity of the above-referenced account. This is not a refusal to pay but a request for verification and compliance with federal law. \n\nPursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), and the XXXX XXXX ( XXXX XXXX. XXXX ), I demand that you provide the following : Full validation of the alleged debt, including a copy of the original signed agreement bearing my signature and itemized statements of the balance. \nProof of authorization showing you have the legal right to collect or report this debt. \nDocumentation of compliance with XXXX XXXX. XXXX, including how my nonpublic personal information was obtained, used, and disclosed with my consent. \n\n\nUntil you provide full validation, you must : Cease all collection activity. \nCease reporting this account to any consumer reporting agencies. \nRemove any unverified information already furnished to Experian, Equifax, and TransUnion. \n\n\nBe advised : continued reporting or sharing of my personal information without proper authorization violates federal law. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. \n\nYou are required by law to respond to this request within XXXX  days of receipt. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-17T16:43:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"15998613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-17T16:42:33.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Be advised : continued reporting or sharing of my personal information without proper authorization violates <em>federal</em> <em>law</em>. If you fail to comply, I will file complaints with the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ), the <em>Federal</em> Trade Commission ( FTC ), and my State Attorney Generals office. \n\nYou are required by <em>law</em> to respond to this request within XXXX  days of receipt. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.585619,"15998613"]},{"_index":"complaint-public-v1","_id":"15999323","_score":19.561556,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, This letter is a formal notice that I am disputing the validity of the above-referenced account. This is not a refusal to pay but a request for verification and compliance with federal law. \n\nPursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), and the XXXX XXXX ( XXXX XXXX. XXXX ), I demand that you provide the following : Full validation of the alleged debt, including a copy of the original signed agreement bearing my signature and itemized statements of the balance. \nProof of authorization showing you have the legal right to collect or report this debt. \nDocumentation of compliance with XXXX XXXX. XXXX, including how my nonpublic personal information was obtained, used, and disclosed with my consent. \n\n\nUntil you provide full validation, you must : Cease all collection activity. \nCease reporting this account to any consumer reporting agencies. \nRemove any unverified information already furnished to Experian, Equifax, and TransUnion. \n\n\nBe advised : continued reporting or sharing of my personal information without proper authorization violates federal law. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. \n\nYou are required by law to respond to this request within XXXX  days of receipt. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-17T16:42:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"15999323","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-17T16:26:41.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Be advised : continued reporting or sharing of my personal information without proper authorization violates <em>federal</em> <em>law</em>. If you fail to comply, I will file complaints with the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ), the <em>Federal</em> Trade Commission ( FTC ), and my State Attorney Generals office. \n\nYou are required by <em>law</em> to respond to this request within XXXX  days of receipt. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.561556,"15999323"]},{"_index":"complaint-public-v1","_id":"15998616","_score":19.561556,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, This letter is a formal notice that I am disputing the validity of the above-referenced account. This is not a refusal to pay but a request for verification and compliance with federal law. \n\nPursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), and the XXXX XXXX ( XXXX XXXX. XXXX ), I demand that you provide the following : Full validation of the alleged debt, including a copy of the original signed agreement bearing my signature and itemized statements of the balance. \nProof of authorization showing you have the legal right to collect or report this debt. \nDocumentation of compliance with XXXX XXXX. XXXX, including how my nonpublic personal information was obtained, used, and disclosed with my consent. \n\n\nUntil you provide full validation, you must : Cease all collection activity. \nCease reporting this account to any consumer reporting agencies. \nRemove any unverified information already furnished to Experian, Equifax, and TransUnion. \n\n\nBe advised : continued reporting or sharing of my personal information without proper authorization violates federal law. If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. \n\nYou are required by law to respond to this request within XXXX  days of receipt. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-09-17T16:43:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"15998616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-17T16:42:33.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Be advised : continued reporting or sharing of my personal information without proper authorization violates <em>federal</em> <em>law</em>. If you fail to comply, I will file complaints with the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ), the <em>Federal</em> Trade Commission ( FTC ), and my State Attorney Generals office. \n\nYou are required by <em>law</em> to respond to this request within XXXX  days of receipt. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.561556,"15998616"]},{"_index":"complaint-public-v1","_id":"12086773","_score":19.378912,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file an official complaint against Navy Federal Credit Union ( NFCU ) for placing unwarranted restrictions on my account despite clear evidence that fraudulent activity occurred without my knowledge or consent. I have been a loyal member of NFCU since XXXX, and I am deeply frustrated by the financial institutions handling of my case, which is in violation of various consumer protection laws, including but not limited to the Uniform Commercial Code ( UCC ), the Fair Credit Billing Act ( FCBA ), and the Truth in Lending Act ( TILA ). \n\nIn late XXXX, while in the process of relocating from XXXX to XXXX, I discovered multiple unauthorized transactions on my Navy Federal account. I immediately reported the fraudulent transactions to NFCU in compliance with my obligations as a consumer and in accordance with banking regulations. NFCU launched an investigation, which found that I was not responsible for the fraud and confirmed that I would not be held liable for these unauthorized charges. \n\nDespite these findings, Navy Federal has placed an arbitrary and unreasonable restriction on my account, prohibiting me from using my debit card for two years. This action is in direct contradiction to the protections afforded by XXXX 's zero-liability policy for fraud, as well as consumer protections under U.S. law . Specifically, under the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1601 et seq. ), consumers are entitled to protections against liability for unauthorized transactions, and institutions are required to resolve fraud complaints swiftly and equitably.\n\nFurther, under the Uniform Commercial Code ( UCC ), Section 4A-202, a financial institution is required to promptly investigate and resolve any unauthorized transfers, and the consumer can not be held liable for such transactions if they were not authorized. In this case, NFCU acknowledged the fraudulent activity yet imposed punitive restrictions, violating these UCC protections.\n\nMoreover, the Fair Credit Billing Act ( FCBA ) ( 15 U.S. Code 1666 et seq. ) protects consumers from liability for unauthorized charges and mandates timely resolution of fraud cases. My case was clearly one of fraud, and the investigations confirmed that I was not at fault ; therefore, the imposition of a restriction on my account and my debit card is contrary to these protections. \n\nOn XX/XX/XXXX, I contacted Navy Federal to request a resolution and clarification regarding the continued restriction on my debit card. The representative informed me that a new checking and savings account had been opened for me, but again reiterated that I would not be able to use my debit card until XX/XX/XXXX. I was instructed to fill out a security appeal form, which would allegedly be reviewed within 15 days. However, this process is neither timely nor sufficient, given the clear violation of my rights under consumer protection laws and the lack of justification for the imposed restrictions. \n\nIt is completely unreasonable that a loyal customer like myself is being penalized for fraudulent activity that I did not authorize or cause. This restriction appears to be an arbitrary retaliation and violates several critical consumer rights protections under federal law, including the Truth in Lending Act, the Uniform Commercial Code, and the Fair Credit Billing Act. \n\nAs a result, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) immediately investigate Navy Federal Credit Unions actions and intervene to ensure compliance with the applicable statutes and consumer protections. I am requesting that all restrictions be removed from my account and that I be allowed to use my debit card without any further delay or punitive measures.\n\nI also request that NFCU be held accountable for its failure to uphold the laws designed to protect consumers from such unwarranted penalties, and that a fair resolution be provided to ensure that I am not unduly harmed by these actions. \n\nThank you for your attention to this matter. I expect a prompt and thorough investigation into this claim and a resolution in line with federal law.","date_sent_to_company":"2025-02-14T14:24:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75038","tags":null,"has_narrative":true,"complaint_id":"12086773","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-14T13:56:13.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["This restriction appears to be an arbitrary retaliation and violates several critical <em>consumer</em> rights <em>protections</em> under <em>federal</em> <em>law</em>, <em>including</em> the Truth in Lending Act, the Uniform Commercial Code, and the <em>Fair</em> Credit Billing Act. \n\nAs a result, I respectfully request that the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) immediately investigate Navy <em>Federal</em> Credit Unions actions and intervene to ensure <em>compliance</em> with the applicable statutes and <em>consumer</em> <em>protections</em>."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[19.378912,"12086773"]},{"_index":"complaint-public-v1","_id":"13956421","_score":19.31924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint Against XXXX XXXX  - Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their improper handling of my credit report information and subsequent failure to resolve a disputed error in my account records-a matter that has adversely affected my financial wellbeing. \nOn XX/XX/year>, This error was not only unexpected, but it also led to a significant drop in my credit score, directly impacting my recent mortgage application. I immediately contacted XXXX XXXX to dispute the inaccuracy. Over the following days, I made repeated attempts-via phone, email, and letters-to have this error corrected. Unfortunately, despite multiple follow-ups, the company has not resolved the issue. \nI believe that XXXX ' actions represent a violation of several federal consumer protection laws, including but not limited to : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and fair reporting of consumer information.\n\n- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The repeated, unaddressed contact regarding an error that I disputed has added undue stress and could be viewed as harassment in line with FDCPA guidelines.\n\n- Consumer Financial Protection Act ( Title X of Dodd-Frank ), 12 U.S.C. 5481 et seq.\n\nThe deceptive practices by XXXX XXXX XXXX, including their failure to promptly and clearly correct this error, amount to an unfair and abusive practice under UDAAP provisions.\n\nAttached are copies of my correspondence with XXXX XXXX. \nI respectfully request that the CFPB investigate this matter and assist me in obtaining a fair resolution. I hope that through your intervention, XXXX  XXXX will be held accountable for ensuring compliance with all relevant federal laws protecting consumer rights. \nThank you for your time and attention to this matter. \nSincerely, XXXX","date_sent_to_company":"2025-06-07T20:58:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"13956421","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-07T19:44:26.000Z","state":"AL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I believe that XXXX ' actions represent a violation of several <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>, <em>including</em> but not limited to : - <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and <em>fair</em> reporting of <em>consumer</em> information."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[19.31924,"13956421"]},{"_index":"complaint-public-v1","_id":"13954659","_score":19.307518,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint Against XXXX XXXX  - Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their improper handling of my credit report information and subsequent failure to resolve a disputed error in my account records-a matter that has adversely affected my financial wellbeing. \nOn XX/XX/year>, This error was not only unexpected, but it also led to a significant drop in my credit score, directly impacting my recent mortgage application. I immediately contacted XXXX XXXX to dispute the inaccuracy. Over the following days, I made repeated attempts-via phone, email, and letters-to have this error corrected. Unfortunately, despite multiple follow-ups, the company has not resolved the issue. \nI believe that XXXX ' actions represent a violation of several federal consumer protection laws, including but not limited to : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and fair reporting of consumer information.\n\n- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The repeated, unaddressed contact regarding an error that I disputed has added undue stress and could be viewed as harassment in line with FDCPA guidelines.\n\n- Consumer Financial Protection Act ( Title X of Dodd-Frank ), 12 U.S.C. 5481 et seq.\n\nThe deceptive practices by XXXX XXXX XXXX, including their failure to promptly and clearly correct this error, amount to an unfair and abusive practice under UDAAP provisions.\n\nAttached are copies of my correspondence with XXXX XXXX. \nI respectfully request that the CFPB investigate this matter and assist me in obtaining a fair resolution. I hope that through your intervention, XXXX  XXXX will be held accountable for ensuring compliance with all relevant federal laws protecting consumer rights. \nThank you for your time and attention to this matter. \nSincerely, XXXX","date_sent_to_company":"2025-06-07T20:58:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"13954659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T20:57:56.000Z","state":"AL","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 believe that XXXX ' actions represent a violation of several <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>, <em>including</em> but not limited to : - <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and <em>fair</em> reporting of <em>consumer</em> information."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.307518,"13954659"]},{"_index":"complaint-public-v1","_id":"13954658","_score":19.307518,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint Against XXXX XXXX  - Violation of Federal Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their improper handling of my credit report information and subsequent failure to resolve a disputed error in my account records-a matter that has adversely affected my financial wellbeing. \nOn XX/XX/year>, This error was not only unexpected, but it also led to a significant drop in my credit score, directly impacting my recent mortgage application. I immediately contacted XXXX XXXX to dispute the inaccuracy. Over the following days, I made repeated attempts-via phone, email, and letters-to have this error corrected. Unfortunately, despite multiple follow-ups, the company has not resolved the issue. \nI believe that XXXX ' actions represent a violation of several federal consumer protection laws, including but not limited to : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and fair reporting of consumer information.\n\n- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 The repeated, unaddressed contact regarding an error that I disputed has added undue stress and could be viewed as harassment in line with FDCPA guidelines.\n\n- Consumer Financial Protection Act ( Title X of Dodd-Frank ), 12 U.S.C. 5481 et seq.\n\nThe deceptive practices by XXXX XXXX XXXX, including their failure to promptly and clearly correct this error, amount to an unfair and abusive practice under UDAAP provisions.\n\nAttached are copies of my correspondence with XXXX XXXX. \nI respectfully request that the CFPB investigate this matter and assist me in obtaining a fair resolution. I hope that through your intervention, XXXX  XXXX will be held accountable for ensuring compliance with all relevant federal laws protecting consumer rights. \nThank you for your time and attention to this matter. \nSincerely, XXXX","date_sent_to_company":"2025-06-07T20:58:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35235","tags":null,"has_narrative":true,"complaint_id":"13954658","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-07T20:57:56.000Z","state":"AL","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 believe that XXXX ' actions represent a violation of several <em>federal</em> <em>consumer</em> <em>protection</em> <em>laws</em>, <em>including</em> but not limited to : - <em>Fair</em> Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 The improper reporting and failure to correct inaccuracies in my credit file clearly fall under the FCRA 's provisions that require accurate and <em>fair</em> reporting of <em>consumer</em> information."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[19.307518,"13954658"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":19317,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":19317}]}},"product":{"doc_count":19317,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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