{"took":630,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":188,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12821320","_score":13.970908,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Fair Resolution Request : 1.\n\nFull and Transparent Disclosure : A complete and detailed report of all activity associated with my credit file since its creation, including : All names, addresses, and accounts reported. The sources of this information, including dates it was obtained. A timeline of all disputes, changes, removals, and inquiries ( both hard and soft ). A thorough investigation into how fraudulent information was added to my file and why it was not flagged. 2. Immediate and Permanent Corrections : The removal of all fraudulent names, addresses, accounts, and inquiries associated with identity theft. Confirmation that my personal information is secured against further fraudulent use. Assurance that fraud alerts and identity theft protectio\nns remain in place indefinitely at no cost to me.\n\n3. Accountability & Legal Compliance : A formal written explanation of why Equifax failed to investigate my disputes properly.\n\nProof of their compliance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft Laws in handling my case.\n\nConfirmation that Equifax has reported this matter to the Federal Trade Commission ( FTC ) and law enforcement for further action.\n\n4. Preventative Measures & Assurance : A dedicated point of contact within Equifax to handle my case and future issues.\n\nA written guarantee that my file will be monitored for fraudulent activity at no cost to me.\n\nIf Equifax is unable to ensure the security of my Social Security number, I request written documentation that I may use to petition the Social Security Administration for a new Social Security number.\n\nThis request is made under my full legal rights per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I expect a detailed response addressing all points above. Failure to comply may result in further legal action, including escalation to the Attorney General, the Federal Trade Commission ( FTC ), and state and federal legal authorities.\n\nEquifax received a full report and any and all documents as required to provide more than sufficient evidence of my identity and has been negligent for years with this request. It has been time consuming, costly, and a detriment to both employment and housing.","date_sent_to_company":"2025-04-04T12:28:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"12821320","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-04T12:19:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The sources of this <em>information</em>, including dates it was obtained. A timeline of all disputes, changes, removals, and <em>inquiries</em> ( both hard and soft ). A thorough investigation into how fraudulent <em>information</em> was added to my file and why it was not flagged. 2. Immediate and Permanent Corrections : The removal of all fraudulent names, addresses, accounts, and <em>inquiries</em> associated with identity theft. Confirmation that my personal <em>information</em> is secured against <em>further</em> fraudulent use."]},"sort":[13.970908,"12821320"]},{"_index":"complaint-public-v1","_id":"2875775","_score":13.239507,"_source":{"product":"Mortgage","complaint_what_happened":"Thursday - XX/XX/XXXX -- In response to a direct mail invitation, I contacted XXXX XXXX XXXX about the possibility of securing a loan. I voluntarily gave the Account Executive background information that would have been needed to apply for the loan. \n\nAt the end of the conversation, I implicitly told the Account Executive that I did not want to proceed any further than the phone conversation at that point. Before advancing any further, I wanted to talk to my husband. \n\nThat evening I discovered that a credit inquiry was made on our credit reports. This was done even though I specifically requested no further action. In addition, one of their statements on another website : \" New Day is required to reach out to the spouse, as well, in order to confirm their intent to be part of the application. '' At no time did they reach out to my husband, yet they did pull his credit report. \n\nI immediately contacted the Account Executive and he said I had given them approval to pull a credit report. I firmly told him that my request to hold everything until further notice at the end of our conversation was proof that he should not have proceeded any further with our application process. \n\nHe also wrote back a sarcastic email ( almost bullying ) that : \" Hopefully you will be able to address your current $ xx, xxx of credit card debt on your own and avoid another short sale situation. '' This was unnecessary harassment. My application was withdrawn and his manager called me. \n\nFriday - XX/XX/XXXX -- I told the same thing to his manager that the process should not have proceeded to a credit report. He insisted that I gave my permission to do so. He also told me that the hard credit inquiry was no big deal, unless we were going for an auto loan. I immediately told him that was exactly what we were planning to do on the following Sunday, which is why I specifically told them to HOLD the application. After a brief conversation, he said I would be contacted by a Compliance Officer. I am still waiting for that to happen. \n\nSaturday - XX/XX/XXXX -- Sent a Certified Letter to New Day asking them to withdraw the credit inquiries. \n\nI feel the company should be marked as one that is dangerous to deal with since their Account Executive wrote an email that was high pressure and belittling. In addition, the manager I spoke with tried to trivialize the fact that a hard inquiry was made.","date_sent_to_company":"2018-04-15T11:29:00.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"27302","tags":"Servicemember","has_narrative":true,"complaint_id":"2875775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chrysalis Holdings LLC","date_received":"2018-04-15T11:02:07.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I voluntarily gave the Account Executive background <em>information</em> that would have been needed to apply for the loan. \n\nAt the end of the conversation, I implicitly told the Account Executive that I did not want to proceed any <em>further</em> than the phone conversation at that <em>point</em>. Before advancing any <em>further</em>, I wanted to talk to my husband. \n\nThat evening I discovered that a credit <em>inquiry</em> was made on our credit reports. This was done even though I specifically requested no <em>further</em> action."]},"sort":[13.239507,"2875775"]},{"_index":"complaint-public-v1","_id":"7075318","_score":12.362783,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian regarding the presence of two illegal and false accounts on my credit report. I have recently reviewed my credit report and discovered that these accounts, namely XXXX XXXX ( account number XXXX ) and XXXX XXXX. XXXX ( account number XXXX ), contain significant inaccuracies and are intentionally missing important information. \n\nFirstly, both accounts are illegally reporting false information, misleading both myself and potential creditors who may access my credit report. This not only damages my creditworthiness but also violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). \n\nFurthermore, these accounts lack essential information such as a business address or point of contact. This deliberate omission makes it extremely challenging for me to dispute the accounts or identify the actual company responsible for reporting these illegal accounts. It appears to be a deliberate attempt to hinder my ability to rectify the situation and protect my credit. \n\nI insist that Experian takes immediate action to address these issues by : Removing the two illegal and false accounts from my credit report. \nEnsuring that my credit report accurately reflects my credit history and does not contain any misleading or fraudulent information. \nIncluding the complete and accurate business address and point of contact for any reported accounts, allowing me to appropriately address any future disputes or inquiries. \nFailure to rectify these issues promptly and satisfactorily will leave me with no choice but to take further legal action to protect my rights and seek appropriate compensation for the damages incurred. \n\nI have enclosed a copy of my credit report highlighting the aforementioned accounts for your reference. It is crucial that Experian undertakes a thorough investigation and resolves these discrepancies in compliance with the FCRA. \n\nI expect to receive a written response from Experian within 30 days of receiving this complaint. Failure to respond adequately or address the concerns outlined in this letter may result in legal action to seek remedies for the harm caused, including but not limited to, damage to my credit, emotional distress, and violation of consumer protection laws. \n\nPlease be aware that any communication or information received from Experian regarding this matter will be retained as evidence for potential legal proceedings. \n\nThank you for your immediate attention to this matter. I trust that Experian will take swift action to rectify the inaccuracies on my credit report and ensure compliance with the FCRA. \n\nSincerely,","date_sent_to_company":"2023-06-06T14:33:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01960","tags":null,"has_narrative":true,"complaint_id":"7075318","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-06T14:24:46.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Ensuring that my credit report accurately reflects my credit history and does not contain any misleading or fraudulent <em>information</em>. \nIncluding the complete and accurate business address and <em>point</em> of contact for any reported accounts, allowing me to appropriately address any future disputes or <em>inquiries</em>."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> is missing that should be on the report"]},"sort":[12.362783,"7075318"]},{"_index":"complaint-public-v1","_id":"6443731","_score":12.269236,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my identity was stolen and used to fraudulently open various accounts. I was alerted to this when I was mailed a XXXX  debit card for an account I never opened. After quickly reporting the fraud on XX/XX/XXXX and XX/XX/XXXX and alerting the credit bureaus and filing an FTC report, I began pulling my credit history to check on other possible fraud attempts. \n\nAnother fraud account with SpeedyCash appeared ; the thief attempted to acquire a loan in my name, which resulted in a hard inquiry with XXXX after the thief failed to acquire a business loan. Two other inquires ( XXXX and XXXX XXXX - these appear as soft inquiries ) also appear on my credit history with XXXX. This is after submitting three disputes with XXXX as well as submitting to them a detailed report of widespread attempts at fraud in my name, and an FTC ID theft report and police report ID being provided. \n\n605B of the Fair Credit Reporting Act, which requires XXXX and businesses to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information, is being disregarded out of what is seemingly XXXX refusing to investigate the situation with proper diligence. One of my disputes was rejected within what wasn't even a day 's time, leading me to believe their company is not taking this fraud seriously. Companies involved in the dispute have been contacted with a letter from the XXXX XXXX XXXX requesting compliance, and details regarding that process are on record. In spite of this, XXXX will not remove the fraudulent inquiries- this is also in spite of the inquiries appearing as completely different cities/states that have no bearing on any of my past residences or business endeavours. All of the proof and compliance I have provided appears to still not be enough for XXXX to fairly and appropriately comply with section 605B and remove the attempts at fraud. \n\nXXXX, XXXX and XXXX have all been provided a copy of the FTC fraud report, police report ID and accompanying details of the fraud occurring in various states and cities by the individual. The particular incident I am reporting is XXXX for not complying with the requested removal of the hard inquiry which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft inquiries listed above. I have been punctual and timely with all information requested, and continue to contact the agencies which were complicit in running my credit without my permission for further compliance with the authorities. \n\nLetters to businesses involved in the ID theft were mailed out the first week of XXXX as a follow-up, since the inquiries in question were largely still appearing- this is also when I filed a formal police report and an investigation was launched to assist in closing down the fraud accounts and resolving inaccurate reporting done on part of the credit bureaus where fraud had occurred. \n\nIn spite of all of this and my detailed record keeping, XXXX has rejected all attempts at removing these false inquiries- this is also as other agencies like XXXX have actually complied and done their due diligence to ensure their reports are correct. It's a shame that XXXX would want improper data and fraud in their records. The fact that another bureau has taken this seriously displays negligence of reporting on the part of XXXX ; it's not a matter of \" if '' they can remove the fraud from my record, but rather that they just seem not to want to. \n\n\nIt literally appears someone is just auto-rejecting my request at this point in spite of the information supporting the claims above being provided and the paper trail of effort I'm making to investigate the matter. \n\nAt this time, nearly a month has passed with no resolution, and in the most recent dispute rejection, a note from XXXX was included stating \" [ c ] onsumer 's dispute not specific, '' in spite of my request being as specific as possible. I'm concerned at this point that my submissions are being thrown out without consideration at this point, maliciously. \n\nIn particular, this complaint is with XXXX, who has an obligation under section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. The agency is well past that deadline and is not in compliance with section 605B, in spite of being provided a detailed FTC ID theft report and more. \n\nSimply put, what more information can I provide to XXXX to prove that I don't live in three different states and three different cities pulling my credit at several different locations all in the same day? What more can I do to get the businesses who illegally ran my credit to comply, beyond what I've already done via getting police involved? Unless XXXX believes that I have somehow acquired the ability to clone myself and run my credit that fast, it appears they are being outright negligent with any consideration towards the details of my continued complaints with their reporting. It's insulting to read each dispute rejection that has come through, with their results finding that the information is \" factual and accurate. '' Speedy CashXXXX XXXX and XXXX all have to bear responsibility for the error they've made in allowing the ID thief to run my credit for attempts at business, and XXXX in particular is owed specific scrutiny for not taking the continued provision of materials and proof seriously. It's as if I am trying to gather a bunch of children together to submit their homework assignments on time, and none of them are making it easy. How am I supposed to do anything more when I'm working with companies that allow ID thieves to apply for loans in my name, and credit bureaus that whimsically trust those businesses in spite of an ongoing police investigation? Does everyone in this situation have blinders on? Hopefully this complaint will motivate each agency to take my personal information more seriously. I will name each agency above in the formal submission of this complaint to further ensure they too comply with the FTC and CFPB.","date_sent_to_company":"2023-01-16T23:25:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77581","tags":null,"has_narrative":true,"complaint_id":"6443731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2023-01-16T23:24:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The particular incident I am reporting is XXXX for not complying with the requested removal of the hard <em>inquiry</em> which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft <em>inquiries</em> listed above. I have been punctual and timely with all <em>information</em> requested, and continue to contact the agencies which were complicit in running my credit without my permission for <em>further</em> <em>compliance</em> with the authorities."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.269236,"6443731"]},{"_index":"complaint-public-v1","_id":"6443768","_score":12.263133,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my identity was stolen and used to fraudulently open various accounts. I was alerted to this when I was mailed a XXXX  debit card for an account I never opened. After quickly reporting the fraud on XX/XX/XXXX and XX/XX/XXXX and alerting the credit bureaus and filing an FTC report, I began pulling my credit history to check on other possible fraud attempts. \n\nAnother fraud account with XXXX appeared ; the thief attempted to acquire a loan in my name, which resulted in a hard inquiry with Equifax after the thief failed to acquire a business loan. XXXX other inquires ( XXXX XXXX XXXX XXXX - these appear as soft inquiries ) also appear on my credit history with Equifax. This is after submitting XXXX disputes with Equifax as well as submitting to them a detailed report of widespread attempts at fraud in my name, and an FTC ID theft report and police report ID being provided. \n\nXXXX of the Fair Credit Reporting Act, which requires Equifax and businesses to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information, is being disregarded out of what is seemingly Equifax refusing to investigate the situation with proper diligence. XXXX of my disputes was rejected within what wasn't even a day 's time, leading me to believe their company is not taking this fraud seriously. Companies involved in the dispute have been contacted with a letter from the XXXX XXXX XXXX requesting compliance, and details regarding that process are on record. In spite of this, Equifax will not remove the fraudulent inquiries- this is also in spite of the inquiries appearing as completely different cities/states that have no bearing on any of my past residences or business endeavours. All of the proof and compliance I have provided appears to still not be enough for Equifax to fairly and appropriately comply with section 605B and remove the attempts at fraud. \n\nXXXX, Equifax and XXXX have all been provided a copy of the FTC fraud report, police report ID and accompanying details of the fraud occurring in various states and cities by the individual. The particular incident I am reporting is Equifax for not complying with the requested removal of the hard inquiry which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft inquiries listed above. I have been punctual and timely with all information requested, and continue to contact the agencies which were complicit in running my credit without my permission for further compliance with the authorities. \n\nLetters to businesses involved in the ID theft were mailed out the first week of XXXX as a follow-up, since the inquiries in question were largely still appearing- this is also when I filed a formal police report and an investigation was launched to assist in closing down the fraud accounts and resolving inaccurate reporting done on part of the credit bureaus where fraud had occurred. \n\nIn spite of all of this and my detailed record keeping, Equifax has rejected all attempts at removing these false inquiries- this is also as other agencies like XXXX have actually complied and done their due diligence to ensure their reports are correct. It's a shame that Equifax would want improper data and fraud in their records. The fact that another bureau has taken this seriously displays negligence of reporting on the part of Equifax ; it's not a matter of \" if '' they can remove the fraud from my record, but rather that they just seem not to want to. \n\n\nIt literally appears someone is just auto-rejecting my request at this point in spite of the information supporting the claims above being provided and the XXXX XXXX of effort I'm making to investigate the matter. \n\nAt this time, nearly a month has passed with no resolution, and in the most recent dispute rejection, a note from Equifax was included stating \" [ c ] onsumer 's dispute not specific, '' in spite of my request being as specific as possible. I'm concerned at this point that my submissions are being thrown out without consideration at this point, maliciously. \n\nIn particular, this complaint is with Equifax, who has an obligation under section XXXX of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. The agency is well past that deadline and is not in compliance with section XXXX, in spite of being provided a detailed FTC ID theft report and more. \n\nSimply put, what more information can I provide to Equifax to prove that I don't live in XXXX different states and XXXX different cities pulling my credit at several different locations all in the same day? What more can I do to get the businesses who illegally ran my credit to comply, beyond what I've already done via getting police involved? Unless Equifax believes that I have somehow acquired the ability to clone myself and run my credit that fast, it appears they are being outright negligent with any consideration towards the details of my continued complaints with their reporting. It's insulting to read each dispute rejection that has come through, with their results finding that the information is \" factual and accurate. '' XXXX XXXX XXXX and XXXX all have to bear responsibility for the error they've made in allowing the ID thief to run my credit for attempts at business, and Equifax in XXXX is owed specific scrutiny for not taking the continued provision of materials and proof seriously. It's as if I am trying to gather a bunch of children together to submit their homework assignments on time, and none of them are making it easy. How am I supposed to do anything more when I'm working with companies that allow ID thieves to apply for loans in my name, and credit bureaus that whimsically trust those businesses in spite of an ongoing police investigation? Does everyone in this situation have blinders on? Hopefully this complaint will motivate each agency to take my personal information more seriously. I will name each agency above in the formal submission of this complaint to further ensure they too comply with the FTC and CFPB.","date_sent_to_company":"2023-01-16T23:24:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77581","tags":null,"has_narrative":true,"complaint_id":"6443768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-16T21:40:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The particular incident I am reporting is Equifax for not complying with the requested removal of the hard <em>inquiry</em> which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft <em>inquiries</em> listed above. I have been punctual and timely with all <em>information</em> requested, and continue to contact the agencies which were complicit in running my credit without my permission for <em>further</em> <em>compliance</em> with the authorities."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.263133,"6443768"]},{"_index":"complaint-public-v1","_id":"6443785","_score":12.253403,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, my identity was stolen and used to fraudulently open various accounts. I was alerted to this when I was mailed a XXXX debit card for an account I never opened. After quickly reporting the fraud on XX/XX/XXXX and XX/XX/XXXX and alerting the credit bureaus and filing an FTC report, I began pulling my credit history to check on other possible fraud attempts. \n\nAnother fraud account with XXXX appeared ; the thief attempted to acquire a loan in my name, which resulted in a hard inquiry with XXXX after the thief failed to acquire a business loan. XXXX other inquires ( HSBC and XXXX XXXX - these appear as soft inquiries ) also appear on my credit history with XXXX. This is after submitting XXXX disputes with XXXX as well as submitting to them a detailed report of widespread attempts at fraud in my name, and an FTC ID theft report and police report ID being provided. \n\n605B of the Fair Credit Reporting Act, which requires XXXX and businesses to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information, is being disregarded out of what is seemingly XXXX refusing to investigate the situation with proper diligence. XXXX of my disputes was rejected within what wasn't even a day 's time, leading me to believe their company is not taking this fraud seriously. Companies involved in the dispute have been contacted with a letter from the XXXX XXXX XXXX requesting compliance, and details regarding that process are on record. In spite of this, XXXX will not remove the fraudulent inquiries- this is also in spite of the inquiries appearing as completely different cities/states that have no bearing on any of my past residences or business endeavours. All of the proof and compliance I have provided appears to still not be enough for XXXX to fairly and appropriately comply with section 605B and remove the attempts at fraud. \n\nXXXX, XXXX and XXXX have all been provided a copy of the FTC fraud report, police report ID and accompanying details of the fraud occurring in various states and cities by the individual. The particular incident I am reporting is XXXX for not complying with the requested removal of the hard inquiry which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft inquiries listed above. I have been punctual and timely with all information requested, and continue to contact the agencies which were complicit in running my credit without my permission for further compliance with the authorities. \n\nLetters to businesses involved in the ID theft were mailed out the first week of XXXX as a follow-up, since the inquiries in question were largely still appearing- this is also when I filed a formal police report and an investigation was launched to assist in closing down the fraud accounts and resolving inaccurate reporting done on part of the credit bureaus where fraud had occurred. \n\nIn spite of all of this and my detailed record keeping, XXXX has rejected all attempts at removing these false inquiries- this is also as other agencies like XXXX have actually complied and done their due diligence to ensure their reports are correct. It's a shame that XXXX would want improper data and fraud in their records. The fact that another bureau has taken this seriously displays negligence of reporting on the part of XXXX ; it's not a matter of \" if '' they can remove the fraud from my record, but rather that they just seem not to want to. \n\n\nIt literally appears someone is just auto-rejecting my request at this point in spite of the information supporting the claims above being provided and the XXXX XXXX of effort I'm making to investigate the matter. \n\nAt this time, nearly a month has passed with no resolution, and in the most recent dispute rejection, a note from XXXX was included stating \" [ c ] onsumer 's dispute not specific, '' in spite of my request being as specific as possible. I'm concerned at this point that my submissions are being thrown out without consideration at this point, maliciously. \n\nIn particular, this complaint is with XXXX, who has an obligation under section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. The agency is well past that deadline and is not in compliance with section 605B, in spite of being provided a detailed FTC ID theft report and more. \n\nSimply put, what more information can I provide to XXXX to prove that I don't live in XXXX different states and XXXX different cities pulling my credit at several different locations all in the same day? What more can I do to get the businesses who illegally ran my credit to comply, beyond what I've already done via getting police involved? Unless XXXX believes that I have somehow acquired the ability to clone myself and run my credit that fast, it appears they are being outright negligent with any consideration towards the details of my continued complaints with their reporting. It's insulting to read each dispute rejection that has come through, with their results finding that the information is \" factual and accurate. '' XXXX XXXX XXXX and HSBC all have to bear responsibility for the error they've made in allowing the ID thief to run my credit for attempts at business, and XXXX in XXXX is owed specific scrutiny for not taking the continued provision of materials and proof seriously. It's as if I am trying to gather a bunch of children together to submit their homework assignments on time, and none of them are making it easy. How am I supposed to do anything more when I'm working with companies that allow ID thieves to apply for loans in my name, and credit bureaus that whimsically trust those businesses in spite of an ongoing police investigation? Does everyone in this situation have blinders on? Hopefully this complaint will motivate each agency to take my personal information more seriously. I will name each agency above in the formal submission of this complaint to further ensure they too comply with the FTC and CFPB.","date_sent_to_company":"2023-01-16T23:25:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77581","tags":null,"has_narrative":true,"complaint_id":"6443785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2023-01-16T23:24:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The particular incident I am reporting is XXXX for not complying with the requested removal of the hard <em>inquiry</em> which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft <em>inquiries</em> listed above. I have been punctual and timely with all <em>information</em> requested, and continue to contact the agencies which were complicit in running my credit without my permission for <em>further</em> <em>compliance</em> with the authorities."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.253403,"6443785"]},{"_index":"complaint-public-v1","_id":"14225300","_score":11.922459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am filing this formal complaint against Equifax for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Equifax has negligently and willfully failed in its obligations to ensure the maximum possible accuracy of the information they are reporting in my credit file. The issues outlined below involve a fraudulent address, unauthorized inquiries, and non-compliance with federal law.\n\n1. Wrong Address Reporting Incorrect Address Listed : XXXX XXXX XXXX XXXX, XXXX, AE XXXX I have never lived at, used, or been affiliated with this address at any point in my life. Its presence on my credit report is a clear indication of mixed or merged file, and has caused me significant confusion and potential harm.\n\nViolation of FCRA : 15 U.S. Code 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy.\n\n15 U.S. Code 1681i ( a ) : Mandates CRAs to investigate and delete any inaccurate or unverifiable information after a consumer dispute.\n\n15 U.S. Code 1681c ( f ) : CRAs must not include addresses that are clearly unrelated to the consumer. \nXXXX. Unauthorized Inquiry Creditor/Agency : XXXX  Date of Inquiry : XX/XX/year> Issue : I did not authorize or initiate this inquiry. This is a hard inquiry that negatively affects my credit score and was made without my knowledge or consent.\n\nViolation of FCRA : 15 U.S. Code 1681b ( c ) : Permits hard inquiries only with consumer authorization or permissible purpose. No permissible purpose existed in this case.\n\n15 U.S. Code 1681b ( f ) : Entities obtaining a credit report without a permissible purpose are in violation of the law.\n\nHarm Suffered Due to these violations, I have suffered the following : Emotional distress from fraudulent and misleading data on my report.\n\nDenial of credit opportunities due to the presence of unauthorized inquiries and inaccurate address.\n\nPotential risk of identity confusion or theft resulting from merged file errors.\n\nRequested Resolution 1. Immediate deletion of the incorrect address XXXX XXXX XXXX XXXX XXXX  AE XXXX from my credit file. \nXXXX. Immediate removal of the unauthorized XXXX inquiry dated XX/XX/year>. \nXXXX. A full reinvestigation under the FCRA guidelines with written proof of verification or immediate deletion. \nXXXX. XXXX that such violations will not continue in the future.\n\nFinal Notice Equifax has a legal responsibility to maintain accurate information. Their failure to remove inaccurate data upon dispute may be interpreted as willful non-compliance, as defined under 15 U.S. Code 1681n and 1681o, and subject to statutory damages, punitive damages, and attorneys fees. If unresolved, I reserve the right to seek legal counsel and pursue further action.","date_sent_to_company":"2025-06-21T17:44:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"93291","tags":null,"has_narrative":true,"complaint_id":"14225300","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-21T17:42:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax has negligently and willfully failed in its obligations to ensure the maximum possible accuracy of the <em>information</em> they are reporting in my credit file. The issues outlined below involve a fraudulent address, unauthorized <em>inquiries</em>, and non-<em>compliance</em> with federal law.\n\n1. Wrong Address Reporting Incorrect Address Listed : XXXX XXXX XXXX XXXX, XXXX, AE XXXX I have never lived at, used, or been affiliated with this address at any <em>point</em> in my life."]},"sort":[11.922459,"14225300"]},{"_index":"complaint-public-v1","_id":"15026151","_score":11.622107,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX I hereby submit a formal request for the cessation of reporting pertaining to the mentioned account. I kindly request your diligent verification and validation of all the information contained herein, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( s ). Your timely confirmation of the accuracy of these details would be greatly appreciated. \nAllow us to examine the reporting of Payment Status ( XXXX ) : 90 Delinq within the report, as it has come to our attention that there may be a concerning issue with the reported data, which regrettably falls short of 1 of 4 meeting the requisite standards. The deviation from the prescribed requirements is deeply disappointing and raises questions about the accuracy of the data being reported. It is essential to reiterate that you are well aware of the unequivocal obligation to report all Data fields in strict compliance with the esteemed Metro 2 standards. Any deviation from these essential requirements is wholly unacceptable and must be rectified promptly to uphold the integrity and reliability of the reported information. \nUpon meticulous examination of Balance ( XXXX ) : {$5300.00}, it is of utmost importance and my sincere expectation that you diligently ensure the absolute adherence of the information contained within your records to all prescribed industry standards pertaining to accuracy. Regrettably, I find myself deeply disheartened and taken aback by the evident deviations from the mandatory regulations and compliance guidelines associated with this account. Such flagrant discrepancies point unequivocally to the presence of an egregious error, thereby compelling an urgent and non-negotiable request for the immediate deletion of this account. I implore you to undertake swift corrective measures, as failure to do so expeditiously could result in further detrimental consequences that are both preventable and deeply concerning. \nUpon reviewing the Past Due ( XXXX ) : XXXX, it is crucial that we ensure strict adherence to industry standards for data accuracy. I must express my dismay at the observed deviations from mandatory regulations and compliance guidelines in this account. It is evident that an error has occurred ; therefore, I kindly request the immediate deletion of this account. I implore you to rectify these issues promptly to prevent further harm. \nUpon reviewing the reporting of No. of Months ( terms ) ( XXXX ) : XXXX within the report, it has come to our attention that there appears to be an issue with the data presented, as it fails to meet the prescribed standards. We regret to inform you that the accuracy of this data is questionable, as it deviates from the mandated criteria. It is imperative to adhere to the Metro 2 standards and report all data fields in full compliance, leaving no room for any deviation from the specified requirements. \nUpon reviewing Last Reported : XX/XX/XXXX, I must stress the importance of aligning your records with industry standards for accuracy. I am deeply concerned by the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred ; therefore, I kindly request the immediate removal of this account. Urgent rectification is imperative to prevent further detrimental consequences. \nI would like to bring to your attention that upon careful examination of the information pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details. \nI kindly urge you to thoroughly verify the information in question through your investigation, specifically seeking original creditor documentation bearing my signature. Should no such documentation bearing my signature exist, I respectfully demand the prompt removal of all inquiries and reported accounts from my credit report associated with my Social Security number. \nUpon reviewing the information pertaining to Date Opened ( XXXX ) : XX/XX/XXXX, I would like to emphasize the utmost importance of ensuring that the data contained in your records adheres strictly to the established industry standards for accuracy. I must express my deep concern upon discovering significant deviations from the mandatory regulations and compliance guidelines associated with this account. It is evident that an error has occurred, and I kindly request that you promptly remove this account from the system. I urge you to rectify these issues without delay in order to prevent any further detrimental consequences. \nWe would like to bring to your attention that the 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX may suggest a failure to meet established reporting standards or decorum. Upon review of the information reported, it has become apparent that there are deviations from the required industry standards, which may result in inaccurate data.\n\nWe would like to remind you of the paramount importance of complying with Metro 2 guidelines and ensuring that all fields are accurately and completely filled out before adding anything to our credit profile. We kindly request that you take appropriate corrective measures to rectify this issue and avoid any potential negative impact on our credit standing. Thank you for your attention to this matter.","date_sent_to_company":"2025-08-02T08:31:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94565","tags":null,"has_narrative":true,"complaint_id":"15026151","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-02T08:30:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Urgent rectification is imperative to prevent <em>further</em> detrimental consequences. \nI would like to bring to your attention that upon careful examination of the <em>information</em> pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and <em>compliance</em> reports associated with this account."]},"sort":[11.622107,"15026151"]},{"_index":"complaint-public-v1","_id":"15026150","_score":11.61271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I hereby submit a formal request for the cessation of reporting pertaining to the mentioned account. I kindly request your diligent verification and validation of all the information contained herein, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( XXXX ). Your timely confirmation of the accuracy of these details would be greatly appreciated. \nAllow us to examine the reporting of Payment Status ( XXXX ) : XXXX XXXX within the report, as it has come to our attention that there may be a concerning issue with the reported data, which regrettably falls short of 1 of 4 meeting the requisite standards. The deviation from the prescribed requirements is deeply disappointing and raises questions about the accuracy of the data being reported. It is essential to reiterate that you are well aware of the unequivocal obligation to report all Data fields in strict compliance with the esteemed Metro 2 standards. Any deviation from these essential requirements is wholly unacceptable and must be rectified promptly to uphold the integrity and reliability of the reported information. \nUpon meticulous examination of Balance ( XXXX ) : {$5300.00}, it is of utmost importance and my sincere expectation that you diligently ensure the absolute adherence of the information contained within your records to all prescribed industry standards pertaining to accuracy. Regrettably, I find myself deeply disheartened and taken aback by the evident deviations from the mandatory regulations and compliance guidelines associated with this account. Such flagrant discrepancies point unequivocally to the presence of an egregious error, thereby compelling an urgent and non-negotiable request for the immediate deletion of this account. I implore you to undertake swift corrective measures, as failure to do so expeditiously could result in further detrimental consequences that are both preventable and deeply concerning. \nUpon reviewing the Past Due ( XXXX ) : XXXX, it is crucial that we ensure strict adherence to industry standards for data accuracy. I must express my dismay at the observed deviations from mandatory regulations and compliance guidelines in this account. It is evident that an error has occurred ; therefore, I kindly request the immediate deletion of this account. I implore you to rectify these issues promptly to prevent further harm. \nUpon reviewing the reporting of No. of Months ( terms ) ( XXXX ) : XXXX within the report, it has come to our attention that there appears to be an issue with the data presented, as it fails to meet the prescribed standards. We regret to inform you that the accuracy of this data is questionable, as it deviates from the mandated criteria. It is imperative to adhere to the Metro 2 standards and report all data fields in full compliance, leaving no room for any deviation from the specified requirements. \nUpon reviewing Last Reported : XX/XX/XXXX, I must stress the importance of aligning your records with industry standards for accuracy. I am deeply concerned by the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred ; therefore, I kindly request the immediate removal of this account. Urgent rectification is imperative to prevent further detrimental consequences. \nI would like to bring to your attention that upon careful examination of the information pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details. \nI kindly urge you to thoroughly verify the information in question through your investigation, specifically seeking original creditor documentation bearing my signature. Should no such documentation bearing my signature exist, I respectfully demand the prompt removal of all inquiries and reported accounts from my credit report associated with my Social Security number. \nUpon reviewing the information pertaining to Date Opened ( XXXX ) : XX/XX/XXXX, I would like to emphasize the utmost importance of ensuring that the data contained in your records adheres strictly to the established industry standards for accuracy. I must express my deep concern upon discovering significant deviations from the mandatory regulations and compliance guidelines associated with this account. It is evident that an error has occurred, and I kindly request that you promptly remove this account from the system. I urge you to rectify these issues without delay in order to prevent any further detrimental consequences. \nWe would like to bring to your attention that the 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX may suggest a failure to meet established reporting standards or decorum. Upon review of the information reported, it has become apparent that there are deviations from the required industry standards, which may result in inaccurate data. \nWe would like to remind you of the paramount importance of complying with Metro 2 guidelines and ensuring that all fields are accurately and completely filled out before adding anything to our credit profile. We kindly request that you take appropriate corrective measures to rectify this issue and avoid any potential negative impact on our credit standing. Thank you for your attention to this matter.","date_sent_to_company":"2025-08-02T08:31:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94565","tags":null,"has_narrative":true,"complaint_id":"15026150","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-02T08:30:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Urgent rectification is imperative to prevent <em>further</em> detrimental consequences. \nI would like to bring to your attention that upon careful examination of the <em>information</em> pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and <em>compliance</em> reports associated with this account."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[11.61271,"15026150"]},{"_index":"complaint-public-v1","_id":"15027414","_score":11.610744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby submit a formal request for the cessation of reporting pertaining to the mentioned account. I kindly request your diligent verification and validation of all the information contained herein, encompassing notations, dates, balances, compliance condition code ( s ), and any pertinent elements within the Metro 2 compliance segment and field ( s ). Your timely confirmation of the accuracy of these details would be greatly appreciated. \nAllow us to examine the reporting of Payment Status ( XXXX ) : XXXX XXXX within the report, as it has come to our attention that there may be a concerning issue with the reported data, which regrettably falls short of 1 of 4 meeting the requisite standards. The deviation from the prescribed requirements is deeply disappointing and raises questions about the accuracy of the data being reported. It is essential to reiterate that you are well aware of the unequivocal obligation to report all XXXX fields in strict compliance with the esteemed XXXX XXXX standards. Any deviation from these essential requirements is wholly unacceptable and must be rectified promptly to uphold the integrity and reliability of the reported information. \nUpon meticulous examination of Balance ( XXXX ) : {$5300.00}, it is of utmost importance and my sincere expectation that you diligently ensure the absolute adherence of the information contained within your records to all prescribed industry standards pertaining to accuracy. Regrettably, I find myself deeply disheartened and taken aback by the evident deviations from the mandatory regulations and compliance guidelines associated with this account. Such flagrant discrepancies point unequivocally to the presence of an egregious error, thereby compelling an urgent and non-negotiable request for the immediate deletion of this account. I implore you to undertake swift corrective measures, as failure to do so expeditiously could result in further detrimental consequences that are both preventable and deeply concerning. \nUpon reviewing the XXXX XXXX ( XXXX ) : XXXX, it is crucial that we ensure strict adherence to industry standards for data accuracy. I must express my dismay at the observed deviations from mandatory regulations and compliance guidelines in this account. It is evident that an error has occurred ; therefore, I kindly request the immediate deletion of this account. I implore you to rectify these issues promptly to prevent further harm. \nUpon reviewing the reporting of XXXX. of Months ( terms ) ( XXXX ) : XXXX within the report, it has come to our attention that there appears to be an issue with the data presented, as it fails to meet the prescribed standards. We regret to inform you that the accuracy of this data is questionable, as it deviates from the mandated criteria. It is imperative to adhere to the XXXX XXXX standards and report all data fields in full compliance, leaving no room for any deviation from the specified requirements. \nUpon reviewing Last Reported : XX/XX/XXXX, I must stress the importance of aligning your records with industry standards for accuracy. I am deeply concerned by the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred ; therefore, I kindly request the immediate removal of this account. Urgent rectification is imperative to prevent further detrimental consequences. \nI would like to bring to your attention that upon careful examination of the information pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there XXXX exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details. \nI kindly urge you to thoroughly verify the information in question through your investigation, specifically seeking original creditor documentation bearing my signature. Should no such documentation bearing my signature exist, I respectfully demand the prompt removal of all inquiries and reported accounts from my credit report associated with my Social Security number. \nUpon reviewing the information pertaining to Date Opened ( XXXX ) : XX/XX/XXXX, I would like to emphasize the utmost importance of ensuring that the data contained in your records adheres strictly to the established industry standards for accuracy. I must express my deep concern upon discovering significant deviations from the mandatory regulations and compliance guidelines associated with this account. It is evident that an error has occurred, and I kindly request that you promptly remove this account from the system. I urge you to rectify these issues without delay in order to prevent any further detrimental consequences. \nWe would like to bring to your attention that the 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX suggest a failure to meet established reporting standards or decorum. Upon review of the information reported, it has become apparent that there are deviations from the required industry standards, which XXXX result in inaccurate data. \nWe would like to remind you of the paramount importance of complying with XXXX XXXX guidelines and ensuring that all fields are accurately and completely filled out before adding anything to our credit profile. We kindly request that you take appropriate corrective measures to rectify this issue and avoid any potential negative impact on our credit standing. Thank you for your attention to this matter.","date_sent_to_company":"2025-08-02T08:31:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94565","tags":null,"has_narrative":true,"complaint_id":"15027414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Central Research Inc","date_received":"2025-08-02T07:58:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Urgent rectification is imperative to prevent <em>further</em> detrimental consequences. \nI would like to bring to your attention that upon careful examination of the <em>information</em> pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and <em>compliance</em> reports associated with this account."]},"sort":[11.610744,"15027414"]},{"_index":"complaint-public-v1","_id":"15026149","_score":11.601237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX -  XXXX XXXX XXXX XXXX XXXX I hereby submit a formal request for the cessation of reporting pertaining to the mentioned account. I kindly request your diligent verification and validation of all the information contained herein, encompassing notations, dates, balances, compliance condition code ( XXXX ), and any pertinent elements within the Metro 2 compliance segment and field ( s ). Your timely confirmation of the accuracy of these details would be greatly appreciated. \nAllow us to examine the reporting of Payment Status ( XXXX ) : XXXX XXXX within the report, as it has come to our attention that there may be a concerning issue with the reported data, which regrettably falls short of 1 of 4 meeting the requisite standards. The deviation from the prescribed requirements is deeply disappointing and raises questions about the accuracy of the data being reported. It is essential to reiterate that you are well aware of the unequivocal obligation to report all Data fields in strict compliance with the esteemed Metro 2 standards. Any deviation from these essential requirements is wholly unacceptable and must be rectified promptly to uphold the integrity and reliability of the reported information. \nUpon meticulous examination of Balance ( XXXX ) : {$5300.00}, it is of utmost importance and my sincere expectation that you diligently ensure the absolute adherence of the information contained within your records to all prescribed industry standards pertaining to accuracy. Regrettably, I find myself deeply disheartened and taken aback by the evident deviations from the mandatory regulations and compliance guidelines associated with this account. Such flagrant discrepancies point unequivocally to the presence of an egregious error, thereby compelling an urgent and non-negotiable request for the immediate deletion of this account. I implore you to undertake swift corrective measures, as failure to do so expeditiously could result in further detrimental consequences that are both preventable and deeply concerning. \nUpon reviewing the Past Due ( XXXX ) : XXXX, it is crucial that we ensure strict adherence to industry standards for data accuracy. I must express my dismay at the observed deviations from mandatory regulations and compliance guidelines in this account. It is evident that an error has occurred ; therefore, I kindly request the immediate deletion of this account. I implore you to rectify these issues promptly to prevent further harm. \nUpon reviewing the reporting of No. of Months ( terms ) ( XXXX ) : XXXX within the report, it has come to our attention that there appears to be an issue with the data presented, as it fails to meet the prescribed standards. We regret to inform you that the accuracy of this data is questionable, as it deviates from the mandated criteria. It is imperative to adhere to the Metro 2 standards and report all data fields in full compliance, leaving no room for any deviation from the specified requirements. \nUpon reviewing Last Reported : XX/XX/XXXX, I must stress the importance of aligning your records with industry standards for accuracy. I am deeply concerned by the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred ; therefore, I kindly request the immediate removal of this account. Urgent rectification is imperative to prevent further detrimental consequences. \nI would like to bring to your attention that upon careful examination of the information pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details. \nI kindly urge you to thoroughly verify the information in question through your investigation, specifically seeking original creditor documentation bearing my signature. Should no such documentation bearing my signature exist, I respectfully demand the prompt removal of all inquiries and reported accounts from my credit report associated with my Social Security number. \nUpon reviewing the information pertaining to Date Opened ( XXXX ) : XX/XX/XXXX, I would like to emphasize the utmost importance of ensuring that the data contained in your records adheres strictly to the established industry standards for accuracy. I must express my deep concern upon discovering significant deviations from the mandatory regulations and compliance guidelines associated with this account. It is evident that an error has occurred, and I kindly request that you promptly remove this account from the system. I urge you to rectify these issues without delay in order to prevent any further detrimental consequences. \nWe would like to bring to your attention that the 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX may suggest a failure to meet established reporting standards or decorum. Upon review of the information reported, it has become apparent that there are deviations from the required industry standards, which may result in inaccurate data.\n\nWe would like to remind you of the paramount importance of complying with Metro 2 guidelines and ensuring that all fields are accurately and completely filled out before adding anything to our credit profile. We kindly request that you take appropriate corrective measures to rectify this issue and avoid any potential negative impact on our credit standing. Thank you for your attention to this matter.","date_sent_to_company":"2025-08-02T08:31:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94565","tags":null,"has_narrative":true,"complaint_id":"15026149","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-02T08:30:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Urgent rectification is imperative to prevent <em>further</em> detrimental consequences. \nI would like to bring to your attention that upon careful examination of the <em>information</em> pertaining to Date Last Active ( XXXX ) : XX/XX/XXXX, I feel compelled to express my concerns regarding the accuracy and <em>compliance</em> reports associated with this account."]},"sort":[11.601237,"15026149"]},{"_index":"complaint-public-v1","_id":"18423419","_score":11.330297,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year> at approximately XXXXXXXX XXXX our business received a phone call from a caller identifying themselves as XXXX XXXX, using the phone number XXXX. \n\nThe caller stated that they were calling on behalf of a third party to verify the employment of one of our employees. The caller was informed that our company does not discuss or verify employee information with third parties over the phone.\n\nI advised the caller that if they identified the third party making the request, I could look into the matter through appropriate and lawful channels. The caller refused to provide any information regarding the third party they claimed to represent. At that point, I informed the caller that we were at an impasse and that no further discussion could take place. \n\nFollowing the call, I contacted the employee involved. The employee stated that they had not applied for any services, credit, or employment verification and believes the call may have been from a debt collector. While we can not confirm the identity or intent of the caller with certainty, the circumstances suggest the possibility of a debt collection related inquiry. \n\nOur business phone number is registered on the Do Not Call Registry. We do not permit debt collectors or other third parties to contact our business for employee verification purposes, nor do we want any activity that could result in the harassment or undue pressure of an employee.\n\nWe are submitting this statement in good faith to document the incident and to seek guidance on whether this matter falls within your jurisdiction. If this complaint should be directed to another agency or handled through a different reporting channel, we respectfully request to be advised accordingly. \n\nOur intent is to ensure proper compliance and to protect our business and employees from unauthorized, unsolicited, or improper third-party contact.","date_sent_to_company":"2026-01-13T12:24:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"18423419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RNN Group, Inc","date_received":"2026-01-02T16:55:55.000Z","state":"NJ","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The caller was informed that our company does not discuss or verify employee <em>information</em> with third parties over the phone.\n\nI advised the caller that if they identified the third party making the request, I could look into the matter through appropriate and lawful channels. The caller refused to provide any <em>information</em> regarding the third party they claimed to represent. At that <em>point</em>, I informed the caller that we were at an impasse and that no <em>further</em> discussion could take place."]},"sort":[11.330297,"18423419"]},{"_index":"complaint-public-v1","_id":"3657950","_score":10.858729,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX I requested that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below pointing out all of the inaccuracies and they still failed to remove at this point im filing a complaint because they are in compliance with the FCRA ... LETTER 1 READS Dear XXXX : I obtained my consumer reports from Equifax, XXXX and XXXX. Upon reviewing my credit reports, I noticed there was a Bankruptcy listed on each of my credit reports. I was also informed that XXXX ( your agency ) furnished this information. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Original Creditor would be the Bankruptcy Court itself, not XXXX. \n\nThe Bankruptcy Court has mailed me a letter ( see attached ), which emphatically states that THEY DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, ( and/or other third-party providers ) who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAWS. \n\nMy inquiry to the U. S. Bankruptcy Court confirmed XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them. \n\nThey further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. \n\nConsidering the information indicating a Fair Credit Reporting Act violation, I request that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nXXXX needs to provide me with copies of all documentation associated with this Public Record Account bearing either : ( 1 ) a court order to place this information in my credit report, or ( 2 ) my authorization of release, bearing my signature. \n\nIn the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately and permanently deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring all my credit reports. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). \n\nPer the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \n\n\n\nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims. I will be seeking no less than {$5000.00} in damages for, but not limited to : ( 1 ) Defamation ; ( 2 ) Negligent Enhancement of Identity Fraud ; ( 3 ) Violation of the Fair Credit Reporting Act. \n\n\nSincerely, XXXX XXXX ENCLOSED : My Drivers License MY most recent utility bill Letter from the United States Bankruptcy Court","date_sent_to_company":"2020-05-18T22:36:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"74115","tags":null,"has_narrative":true,"complaint_id":"3657950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-05-18T22:36:51.000Z","state":"OK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX I requested that any and all bankruptcy <em>information</em> currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below <em>pointing</em> out all of the inaccuracies and they still failed to remove at this <em>point</em> im filing a complaint because they are in <em>compliance</em> with the FCRA ... LETTER 1 READS Dear XXXX : I obtained my consumer reports from Equifax, XXXX and XXXX."]},"sort":[10.858729,"3657950"]},{"_index":"complaint-public-v1","_id":"3658220","_score":10.851628,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX I requested that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below pointing out all of the inaccuracies and they still failed to remove at this point im filing a complaint because they are in compliance with the FCRA ... LETTER 1 READS Dear LexisNexis : I obtained my consumer reports from XXXX, XXXX and XXXX. Upon reviewing my credit reports, I noticed there was a Bankruptcy listed on each of my credit reports. I was also informed that LexisNexis ( your agency ) furnished this information. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Original Creditor would be the Bankruptcy Court itself, not LexisNexis. \n\nThe Bankruptcy Court has mailed me a letter XXXX see attached ), which emphatically states that THEY DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, ( and/or other third-party providers ) who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAWS. \n\nMy inquiry to the U. S. Bankruptcy Court confirmed LexisNexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. \n\nThey further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. \n\nConsidering the information indicating a Fair Credit Reporting Act violation, I request that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nLexisNexis needs to provide me with copies of all documentation associated with this Public Record Account bearing either : ( 1 ) a court order to place this information in my credit report, or ( 2 ) my authorization of release, bearing my signature. \n\nIn the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately and permanently deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring all my credit reports. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). \n\nPer the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \n\n\n\nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims. I will be seeking no less than {$5000.00} in damages for, but not limited to : ( 1 ) Defamation ; ( 2 ) Negligent Enhancement of Identity Fraud ; ( 3 ) Violation of the Fair Credit Reporting Act. \n\n\nSincerely, XXXX XXXX ENCLOSED : My Drivers License MY most recent utility bill Letter from the United States Bankruptcy Court","date_sent_to_company":"2020-05-18T22:36:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"74115","tags":null,"has_narrative":true,"complaint_id":"3658220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2020-05-18T21:35:28.000Z","state":"OK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX I requested that any and all bankruptcy <em>information</em> currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below <em>pointing</em> out all of the inaccuracies and they still failed to remove at this <em>point</em> im filing a complaint because they are in <em>compliance</em> with the FCRA ... LETTER 1 READS Dear LexisNexis : I obtained my consumer reports from XXXX, XXXX and XXXX."]},"sort":[10.851628,"3658220"]},{"_index":"complaint-public-v1","_id":"3657953","_score":10.85159,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX I requested that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below pointing out all of the inaccuracies and they still failed to remove at this point im filing a complaint because they are in compliance with the FCRA ... LETTER 1 READS Dear XXXX : I obtained my consumer reports from XXXX, XXXX and TransUnion. Upon reviewing my credit reports, I noticed there was a Bankruptcy listed on each of my credit reports. I was also informed that XXXX ( your agency ) furnished this information. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Original Creditor would be the Bankruptcy Court itself, not XXXX. \n\nThe Bankruptcy Court has mailed me a letter ( see attached ), which emphatically states that THEY DO NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, ( and/or other third-party providers ) who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAWS. \n\nMy inquiry to the U. S. Bankruptcy Court confirmed XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them. \n\nThey further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. \n\nConsidering the information indicating a Fair Credit Reporting Act violation, I request that any and all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nXXXX needs to provide me with copies of all documentation associated with this Public Record Account bearing either : ( 1 ) a court order to place this information in my credit report, or ( 2 ) my authorization of release, bearing my signature. \n\nIn the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately and permanently deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring all my credit reports. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). \n\nPer the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \n\n\n\nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims. I will be seeking no less than {$5000.00} in damages for, but not limited to : ( 1 ) Defamation ; ( 2 ) Negligent Enhancement of Identity Fraud ; ( 3 ) Violation of the Fair Credit Reporting Act. \n\n\nSincerely, XXXX XXXX ENCLOSED : My Drivers License MY most recent utility bill Letter from the United States Bankruptcy Court","date_sent_to_company":"2020-05-18T22:36:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"74115","tags":null,"has_narrative":true,"complaint_id":"3657953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-05-18T22:36:51.000Z","state":"OK","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":["XX/XX/XXXX I requested that any and all bankruptcy <em>information</em> currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. They failed to do so I then sent a second verified letter that is attached below <em>pointing</em> out all of the inaccuracies and they still failed to remove at this <em>point</em> im filing a complaint because they are in <em>compliance</em> with the FCRA ... LETTER 1 READS Dear XXXX : I obtained my consumer reports from XXXX, XXXX and TransUnion."]},"sort":[10.85159,"3657953"]},{"_index":"complaint-public-v1","_id":"13140463","_score":10.60364,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Information Solutions , Inc . \nAttn : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX Subject : Third and Final Administrative Complaint Before Federal Suit FCRA 605B, Cease & Desist, Securities Fraud, Identity Theft, and Collusion Dear Chief Compliance Officers and Legal Departments, This correspondence shall serve as the third and final notice, affidavit, and formal complaint prior to initiating a civil action in federal court and filing a demand with the Consumer Financial Protection Bureau ( CFPB ). \n\nI am writing to demand immediate removal of all derogatory information, including but not limited to : charge-offs, inquiries, collections, late payments, account closures, and any and all negative reporting associated with the improper use of my name, personal data, and Social Security Number XXXX in any and all consumer credit transactions that were unlawfully converted into debt obligations without my knowledge, consent, or proper consideration. \n\nLegal Grounds & Violations You are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2 ( 605B ) by publishing fraudulent and unauthorized credit information. I assert the following : My credit applications were monetized, securitized, and used as negotiable financial instruments under XXXXCC 3-104 and 3-306. \n\nAt no time did I consent to these instruments being used without equal consideration. \n\nAny alleged debt or obligation arising from these transactions was not disclosed in full, nor was proper value returned, constituting identity theft and a deceptive financial practice. \n\nFCRA 605B requires you to block any information resulting from identity theft within XXXX business days of receiving valid notice and documentation. \n\nThe unlawful posting of data and inquires constitutes a breach of trust, fraud, and securities conversion, whereby Ithe creditor and investorwas not compensated. \n\nThe use of my SSN by entities to which I never gave explicit and knowing consent is a violation of the Social Security Act and privacy protections under 5 USC 552a. \n\nSecurities and Collusion Notice The undersigned does not consent to being treated as a debtor, obligor, or public vessel in commerce. I am the secured party creditor of all transactions bearing my name and social security number. \n\nAs per SEC definitions under 15 U.S.C. 77b and 78c, the use of my application or promissory note as a security obligates you to the same disclosure, performance, and registration standards imposed upon financial institutions. \n\nYour failure to validate the original, signed agreementscoupled with continued reporting of unverifiable dataconstitutes collusion with unjust enrichers, aiding and abetting conversion of financial instruments, and denial of due process. \n\nDemand for Immediate Relief You are hereby demanded to : Immediately and permanently remove all negative, false, unverifiable, and unauthorized entries from my consumer credit report. \n\nCease and Desist all publication, reporting, and inquiry of data associated with my name, likeness, or SSN unless a verifiable bilateral contract with full disclosure and lawful consideration can be produced. \n\nAcknowledge that any further publication constitutes willful misconduct, commercial fraud, and a violation of federal privacy and credit statutes. \n\nExecutive Order Reference You are also placed on notice of Executive Order XXXX issued under the Trump XXXX, which affirms that regulatory enforcement should not punish individuals without clear statutory grounding. You are to demonstrate the specific and lawful authority by which you have posted derogatory credit information connected to my financial identity. \n\nFee Schedule for Continued Violations Pursuant to UCC 1-308 ( Reservation of Rights ) and in harmony with equity, I am enforcing the following private administrative fee schedule, effective upon service of this notice : {$2500.00} per unauthorized credit inquiry {$5000.00} per false or derogatory item reported or re-reported after this notice {$10000.00} per unauthorized disclosure to third parties {$100000.00} for failure to comply within XXXX calendar days of receipt This document constitutes legal notice and commercial presentment. Your failure to rebut these claims point-for-point, with affidavit and original wet-ink agreements, within XXXX  days, shall constitute tacit agreement and your full acceptance of liability under commercial law, equity, and trust. \n\nRemedy Election Failure to cure will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) Federal civil complaint under 42 USC 1983, FCRA, FDCPA, and SEC violations Demand for punitive damages, sanctions, and injunctions in district court Respectfully submitted, [ Authorized Representative Name ] XXXX XXXX XXXX XXXX, Secured Party Creditor, Beneficiary of the Legal Estate","date_sent_to_company":"2025-04-23T06:09:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95219","tags":null,"has_narrative":true,"complaint_id":"13140463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-23T06:09:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Your failure to rebut these claims <em>point</em>-for-<em>point</em>, with affidavit and original wet-ink agreements, within XXXX  days, shall constitute tacit agreement and your full acceptance of liability under commercial law, equity, and trust."]},"sort":[10.60364,"13140463"]},{"_index":"complaint-public-v1","_id":"13140101","_score":10.598995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Information Solutions , Inc . \nAttn : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX Subject : Third and Final Administrative Complaint Before Federal Suit FCRA 605B, Cease & Desist, Securities Fraud, Identity Theft, and Collusion Dear Chief Compliance Officers and Legal Departments, This correspondence shall serve as the third and final notice, affidavit, and formal complaint prior to initiating a civil action in federal court and filing a demand with the Consumer Financial Protection Bureau ( CFPB ). \n\nI am writing to demand immediate removal of all derogatory information, including but not limited to : charge-offs, inquiries, collections, late payments, account closures, and any and all negative reporting associated with the improper use of my name, personal data, and Social Security Number XXXX in any and all consumer credit transactions that were unlawfully converted into debt obligations without my knowledge, consent, or proper consideration. \n\nLegal Grounds & Violations You are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2 ( 605B ) by publishing fraudulent and unauthorized credit information. I assert the following : My credit applications were monetized, securitized, and used as negotiable financial instruments under XXXXCC 3-104 and 3-306. \n\nAt no time did I consent to these instruments being used without equal consideration. \n\nAny alleged debt or obligation arising from these transactions was not disclosed in full, nor was proper value returned, constituting identity theft and a deceptive financial practice. \n\nFCRA 605B requires you to block any information resulting from identity theft within XXXX business days of receiving valid notice and documentation. \n\nThe unlawful posting of data and inquires constitutes a breach of trust, fraud, and securities conversion, whereby Ithe creditor and investorwas not compensated. \n\nThe use of my SSN by entities to which I never gave explicit and knowing consent is a violation of the Social Security Act and privacy protections under 5 USC 552a. \n\nSecurities and Collusion Notice The undersigned does not consent to being treated as a debtor, obligor, or public vessel in commerce. I am the secured party creditor of all transactions bearing my name and social security number. \n\nAs per SEC definitions under 15 U.S.C. 77b and 78c, the use of my application or promissory note as a security obligates you to the same disclosure, performance, and registration standards imposed upon financial institutions. \n\nYour failure to validate the original, signed agreementscoupled with continued reporting of unverifiable dataconstitutes collusion with unjust enrichers, aiding and abetting conversion of financial instruments, and denial of due process. \n\nDemand for Immediate Relief You are hereby demanded to : Immediately and permanently remove all negative, false, unverifiable, and unauthorized entries from my consumer credit report. \n\nCease and Desist all publication, reporting, and inquiry of data associated with my name, likeness, or SSN unless a verifiable bilateral contract with full disclosure and lawful consideration can be produced. \n\nAcknowledge that any further publication constitutes willful misconduct, commercial fraud, and a violation of federal privacy and credit statutes. \n\nExecutive Order Reference You are also placed on notice of Executive Order XXXX issued under the Trump XXXX, which affirms that regulatory enforcement should not punish individuals without clear statutory grounding. You are to demonstrate the specific and lawful authority by which you have posted derogatory credit information connected to my financial identity. \n\nFee Schedule for Continued Violations Pursuant to UCC 1-308 ( Reservation of Rights ) and in harmony with equity, I am enforcing the following private administrative fee schedule, effective upon service of this notice : {$2500.00} per unauthorized credit inquiry {$5000.00} per false or derogatory item reported or re-reported after this notice {$10000.00} per unauthorized disclosure to third parties {$100000.00} for failure to comply within XXXX calendar days of receipt This document constitutes legal notice and commercial presentment. Your failure to rebut these claims point-for-point, with affidavit and original wet-ink agreements, within XXXX  days, shall constitute tacit agreement and your full acceptance of liability under commercial law, equity, and trust. \n\nRemedy Election Failure to cure will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) Federal civil complaint under 42 USC 1983, FCRA, FDCPA, and SEC violations Demand for punitive damages, sanctions, and injunctions in district court Respectfully submitted, [ Authorized Representative Name ] XXXX XXXX XXXX XXXX, Secured Party Creditor, Beneficiary of the Legal Estate","date_sent_to_company":"2025-04-23T06:09:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95219","tags":null,"has_narrative":true,"complaint_id":"13140101","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-23T05:56:23.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Your failure to rebut these claims <em>point</em>-for-<em>point</em>, with affidavit and original wet-ink agreements, within XXXX  days, shall constitute tacit agreement and your full acceptance of liability under commercial law, equity, and trust."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[10.598995,"13140101"]},{"_index":"complaint-public-v1","_id":"13140460","_score":10.59896,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Equifax XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Information Solutions , Inc . \nAttn : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX : Legal Compliance XXXX XXXX XXXX XXXX XXXX XXXX Subject : Third and Final Administrative Complaint Before Federal Suit FCRA 605B, Cease & Desist, Securities Fraud, Identity Theft, and Collusion Dear Chief Compliance Officers and Legal Departments, This correspondence shall serve as the third and final notice, affidavit, and formal complaint prior to initiating a civil action in federal court and filing a demand with the Consumer Financial Protection Bureau ( CFPB ). \n\nI am writing to demand immediate removal of all derogatory information, including but not limited to : charge-offs, inquiries, collections, late payments, account closures, and any and all negative reporting associated with the improper use of my name, personal data, and Social Security Number XXXX in any and all consumer credit transactions that were unlawfully converted into debt obligations without my knowledge, consent, or proper consideration. \n\nLegal Grounds & Violations You are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2 ( 605B ) by publishing fraudulent and unauthorized credit information. I assert the following : My credit applications were monetized, securitized, and used as negotiable financial instruments under XXXXCC 3-104 and 3-306. \n\nAt no time did I consent to these instruments being used without equal consideration. \n\nAny alleged debt or obligation arising from these transactions was not disclosed in full, nor was proper value returned, constituting identity theft and a deceptive financial practice. \n\nFCRA 605B requires you to block any information resulting from identity theft within XXXX business days of receiving valid notice and documentation. \n\nThe unlawful posting of data and inquires constitutes a breach of trust, fraud, and securities conversion, whereby Ithe creditor and investorwas not compensated. \n\nThe use of my SSN by entities to which I never gave explicit and knowing consent is a violation of the Social Security Act and privacy protections under 5 USC 552a. \n\nSecurities and Collusion Notice The undersigned does not consent to being treated as a debtor, obligor, or public vessel in commerce. I am the secured party creditor of all transactions bearing my name and social security number. \n\nAs per SEC definitions under 15 U.S.C. 77b and 78c, the use of my application or promissory note as a security obligates you to the same disclosure, performance, and registration standards imposed upon financial institutions. \n\nYour failure to validate the original, signed agreementscoupled with continued reporting of unverifiable dataconstitutes collusion with unjust enrichers, aiding and abetting conversion of financial instruments, and denial of due process. \n\nDemand for Immediate Relief You are hereby demanded to : Immediately and permanently remove all negative, false, unverifiable, and unauthorized entries from my consumer credit report. \n\nCease and Desist all publication, reporting, and inquiry of data associated with my name, likeness, or SSN unless a verifiable bilateral contract with full disclosure and lawful consideration can be produced. \n\nAcknowledge that any further publication constitutes willful misconduct, commercial fraud, and a violation of federal privacy and credit statutes. \n\nExecutive Order Reference You are also placed on notice of Executive Order XXXX issued under the Trump XXXX, which affirms that regulatory enforcement should not punish individuals without clear statutory grounding. You are to demonstrate the specific and lawful authority by which you have posted derogatory credit information connected to my financial identity. \n\nFee Schedule for Continued Violations Pursuant to UCC 1-308 ( Reservation of Rights ) and in harmony with equity, I am enforcing the following private administrative fee schedule, effective upon service of this notice : {$2500.00} per unauthorized credit inquiry {$5000.00} per false or derogatory item reported or re-reported after this notice {$10000.00} per unauthorized disclosure to third parties {$100000.00} for failure to comply within XXXX calendar days of receipt This document constitutes legal notice and commercial presentment. Your failure to rebut these claims point-for-point, with affidavit and original wet-ink agreements, within XXXX  days, shall constitute tacit agreement and your full acceptance of liability under commercial law, equity, and trust. \n\nRemedy Election Failure to cure will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) Federal civil complaint under 42 USC 1983, FCRA, FDCPA, and SEC violations Demand for punitive damages, sanctions, and injunctions in district court Respectfully submitted, [ Authorized Representative Name ] XXXX XXXX XXXX XXXX, Secured Party Creditor, Beneficiary of the Legal Estate","date_sent_to_company":"2025-04-23T06:09:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95219","tags":null,"has_narrative":true,"complaint_id":"13140460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-23T06:09:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Your failure to rebut these claims <em>point</em>-for-<em>point</em>, with affidavit and original wet-ink agreements, within XXXX  days, shall constitute tacit agreement and your full acceptance of liability under commercial law, equity, and trust."]},"sort":[10.59896,"13140460"]},{"_index":"complaint-public-v1","_id":"17565138","_score":10.372822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this response to Experian and TransUnion because several companies have already completed their investigations and confirmed that I was a victim of identity theft. These companies acknowledged that the accounts associated with my name were fraudulent, unauthorized, and do not belong to me. Since these companies have already verified that the accounts were the result of fraud, Experian and TransUnion are now legally required to remove these fraudulent accounts, inquiries, and any related derogatory information from my credit report under the Fair Credit Reporting Act ( FCRA ). \n\nI have also filed an FTC Identity Theft Report, and this serves as my official identity theft affidavit. Under FCRA 605B, once a consumer submits an identity theft report and the fraud has been confirmed by furnishers, the credit bureaus must block and delete all fraudulent information from the consumers file within XXXX business days. There is no requirement for further verification once an identity theft report has been provided, and especially not when the furnishers themselves have already confirmed in writing that the accounts were created through fraud. \n\nI am requesting that Experian and TransUnion take immediate action and remove every account, inquiry, and negative remark related to the companies that have confirmed I was a victim of fraud. Continuing to leave these items on my credit report after fraud has already been validated is a violation of the FCRA, causes ongoing harm, and prevents my credit profile from accurately reflecting my true financial activity. \n\nThese fraudulent accounts and inquiries should not remain on my credit report under any circumstances, and the bureaus have a legal responsibility to ensure that all information furnished is accurate, verifiable, and not misleading. Once a company confirms that an account was opened without my knowledge or authorization, the information is not verifiable and must be removed. Furthermore, leaving fraudulent accounts on my report continues to damage my creditworthiness, impacts my ability to obtain fair credit opportunities, and causes significant emotional and financial distress. \n\nI am requesting that Experian and TransUnion complete the following actions immediately : Remove all fraudulent accounts reported by companies that have already confirmed I was a victim of identity theft. \n\nRemove all related inquiries, as they were not made by me and were part of the fraud. \n\nDelete any derogatory remarks ( late payments, charge-offs, collections, delinquent statuses, etc. ) associated with those fraudulent accounts.\n\nBlock the fraudulent information under FCRA 605B, which requires immediate blocking once an identity theft report is received.\n\nPrevent reinsertion of any deleted fraudulent information unless full reinsertion requirements under FCRA 611 ( a ) ( 5 ) ( B ) are met, which includes notifying me in writing first. \n\nUpdate my credit file to reflect an accurate record free of unauthorized and fraudulent entries. \n\nConfirm in writing that the fraudulent entries have been deleted from my credit report. \n\nI have cooperated fully through every step of the process. I submitted disputes, documentation, supporting evidence, and my FTC Identity Theft Report. The furnishers have now confirmed, in writing, that these accounts were fraudulent. At this point, Experian and TransUnion have everything required to delete the accounts immediately. The law does not allow them to continue reporting fraudulent information once I have provided an identity theft report and the furnishers have verified the fraud. \n\nI am urging Experian and TransUnion to complete their responsibilities promptly and remove all fraudulent data associated with the companies that have already confirmed the identity theft. This is not a matter requiring more time or prolonged investigation it only requires compliance with the FCRA and the full removal of fraudulent information from my credit reports. \n\nI respectfully request that the CFPB ensure that Experian and TransUnion comply with federal law and correct my credit file without further delay.","date_sent_to_company":"2025-11-29T02:05:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17565138","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-29T02:05:22.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This is not a matter requiring more time or prolonged investigation it only requires <em>compliance</em> with the FCRA and the full removal of fraudulent <em>information</em> from my credit reports. \n\nI respectfully request that the CFPB ensure that Experian and TransUnion comply with federal law and correct my credit file without <em>further</em> delay."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[10.372822,"17565138"]},{"_index":"complaint-public-v1","_id":"17584725","_score":10.365854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this response to Experian and TransUnion because several companies have already completed their investigations and confirmed that I was a victim of identity theft. These companies acknowledged that the accounts associated with my name were fraudulent, unauthorized, and do not belong to me. Since these companies have already verified that the accounts were the result of fraud, Experian and TransUnion are now legally required to remove these fraudulent accounts, inquiries, and any related derogatory information from my credit report under the Fair Credit Reporting Act ( FCRA ). \n\nI have also filed an FTC Identity Theft Report, and this serves as my official identity theft affidavit. Under FCRA 605B, once a consumer submits an identity theft report and the fraud has been confirmed by furnishers, the credit bureaus must block and delete all fraudulent information from the consumers file within XXXX business days. There is no requirement for further verification once an identity theft report has been provided, and especially not when the furnishers themselves have already confirmed in writing that the accounts were created through fraud. \n\nI am requesting that Experian and TransUnion take immediate action and remove every account, inquiry, and negative remark related to the companies that have confirmed I was a victim of fraud. Continuing to leave these items on my credit report after fraud has already been validated is a violation of the FCRA, causes ongoing harm, and prevents my credit profile from accurately reflecting my true financial activity. \n\nThese fraudulent accounts and inquiries should not remain on my credit report under any circumstances, and the bureaus have a legal responsibility to ensure that all information furnished is accurate, verifiable, and not misleading. Once a company confirms that an account was opened without my knowledge or authorization, the information is not verifiable and must be removed. Furthermore, leaving fraudulent accounts on my report continues to damage my creditworthiness, impacts my ability to obtain fair credit opportunities, and causes significant emotional and financial distress. \n\nI am requesting that Experian and TransUnion complete the following actions immediately : Remove all fraudulent accounts reported by companies that have already confirmed I was a victim of identity theft. \n\nRemove all related inquiries, as they were not made by me and were part of the fraud. \n\nDelete any derogatory remarks ( late payments, charge-offs, collections, delinquent statuses, etc. ) associated with those fraudulent accounts.\n\nBlock the fraudulent information under FCRA 605B, which requires immediate blocking once an identity theft report is received.\n\nPrevent reinsertion of any deleted fraudulent information unless full reinsertion requirements under FCRA 611 ( a ) ( 5 ) ( B ) are met, which includes notifying me in writing first. \n\nUpdate my credit file to reflect an accurate record free of unauthorized and fraudulent entries. \n\nConfirm in writing that the fraudulent entries have been deleted from my credit report. \n\nI have cooperated fully through every step of the process. I submitted disputes, documentation, supporting evidence, and my FTC Identity Theft Report. The furnishers have now confirmed, in writing, that these accounts were fraudulent. At this point, Experian and TransUnion have everything required to delete the accounts immediately. The law does not allow them to continue reporting fraudulent information once I have provided an identity theft report and the furnishers have verified the fraud. \n\nI am urging Experian and TransUnion to complete their responsibilities promptly and remove all fraudulent data associated with the companies that have already confirmed the identity theft. This is not a matter requiring more time or prolonged investigation it only requires compliance with the FCRA and the full removal of fraudulent information from my credit reports. \n\nI respectfully request that the CFPB ensure that Experian and TransUnion comply with federal law and correct my credit file without further delay.","date_sent_to_company":"2025-11-29T02:05:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"17584725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-29T02:05:22.000Z","state":"MO","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 is not a matter requiring more time or prolonged investigation it only requires <em>compliance</em> with the FCRA and the full removal of fraudulent <em>information</em> from my credit reports. \n\nI respectfully request that the CFPB ensure that Experian and TransUnion comply with federal law and correct my credit file without <em>further</em> delay."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[10.365854,"17584725"]},{"_index":"complaint-public-v1","_id":"15746961","_score":9.968728,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint against Ally Financial, also appearing as ALLYFINANC, for repeated, unauthorized, and unlawful hard inquiries on my credit reports across both XXXX XXXX XXXX. These inquiries were not authorized by me, were not supported by a permissible purpose as defined under federal law, and represent clear, willful, and negligent violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. \n\nThe following unauthorized inquiries are being disputed as unlawful : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These dates demonstrate a clear pattern of abuse. Multiple inquiries were made on the same day, across multiple bureaus, creating duplicative reporting and multiple points of damage to my credit profile. I did not authorize any of these inquiries. At no point did I apply for credit, provide written consent, or otherwise establish a relationship with Ally Financial that would allow them to lawfully access my credit file. \n\nThis conduct amounts to reckless shotgunning of inquiries, an unlawful practice where a furnisher bombards consumer reports with multiple pulls without consent, often in an attempt to force or solicit credit extensions. This behavior is unauthorized, abusive, and illegal.\n\nLegal Framework and Violations 1. FCRA 1681b ( 15 U.S.C. 1681b ) Clearly restricts the use of consumer reports to specific permissible purposes, such as in connection with a credit transaction initiated by the consumer. Ally Financial did not have my authorization or a valid business purpose to access my credit file. Each inquiry is a separate violation of this statute.\n\n2. FCRA 1681e ( a ) Requires all credit reporting agencies and furnishers to maintain reasonable procedures to prevent unauthorized use of consumer reports. Ally Financial failed to do so, as evidenced by the repeated, duplicative inquiries. This shows a systemic breakdown of compliance practices.\n\n3. FCRA 1681e ( b ) Mandates that consumer reporting agencies must ensure maximum possible accuracy of information in reports. By allowing multiple unlawful Ally inquiries to remain, both XXXX XXXX XXXX are in violation of this standard.\n\n4. FCRA 1681n ( Civil Liability for Willful Noncompliance ) Ally Financials repeated inquiries constitute willful violations, making them liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.\n\n5. FCRA 1681o ( Civil Liability for Negligent Noncompliance ) At a minimum, Ally Financial is guilty of negligent violations, making them liable for actual damages and attorneys fees.\n\n6. FDCPA 15 U.S.C. 1692c and 1692g To the extent that Ally Financial or its affiliates act in the capacity of a debt collector, their actions further violate requirements for proper communication and debt validation. \n\n\n\nWhy This Is Harmful Each unauthorized inquiry reduces my credit score, damages my creditworthiness, and creates the false impression that I am aggressively seeking credit that I never requested. This undermines my ability to obtain fair credit, increases my cost of borrowing, and tarnishes my financial reputation. \n\nThe fact that Ally Financial initiated multiple inquiries on the same dates across multiple bureaus is evidence of a systemic failure to safeguard consumer rights. This is not a clerical error. This is deliberate, repeated, and damaging misconduct. \n\nThe credit bureaus themselves are complicit. By continuing to publish these unlawful inquiries, despite their obligations under FCRA 1681e ( b ), they are enabling Ally Financials misconduct and contributing to the financial harm I have suffered.","date_sent_to_company":"2025-09-05T15:38:28.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"15746961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-09-05T15:33:58.000Z","state":"NC","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Each <em>inquiry</em> is a separate violation of this statute.\n\n2. FCRA 1681e ( a ) Requires all credit reporting agencies and furnishers to maintain reasonable procedures to prevent unauthorized use of consumer reports. Ally Financial failed to do so, as evidenced by the repeated, duplicative <em>inquiries</em>. This shows a systemic breakdown of <em>compliance</em> practices.\n\n3. FCRA 1681e ( b ) Mandates that consumer reporting agencies must ensure maximum possible accuracy of <em>information</em> in reports."],"sub_issue":["Didn't receive enough <em>information</em> to verify debt"]},"sort":[9.968728,"15746961"]},{"_index":"complaint-public-v1","_id":"10479419","_score":9.96271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now 2 years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. \n\nViolation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than four business days after the receipt of such notice. \n\nThis letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. \n\nFTC XXXX XXXX : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question.\n\nWithout my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. \n\nAll inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the Big 3 be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. \n\nAn example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my \" obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. \n\nThis holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to report.","date_sent_to_company":"2024-10-16T16:46:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43026","tags":null,"has_narrative":true,"complaint_id":"10479419","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-16T16:46:20.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any <em>point</em> in time ), payment <em>information</em>, and certainly have no wet ink authorization from me to report."],"sub_issue":["Credit <em>inquiries</em> on your report that you don't recognize"]},"sort":[9.96271,"10479419"]},{"_index":"complaint-public-v1","_id":"10479418","_score":9.96271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now 2 years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. \n\nViolation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than four business days after the receipt of such notice. \n\nThis letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. \n\nFTC XXXX XXXX : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question. \n\nWithout my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. \n\nAll inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the Big XXXX be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. \n\nAn example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my \" obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. \n\nThis holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to report.","date_sent_to_company":"2024-10-16T16:46:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43026","tags":null,"has_narrative":true,"complaint_id":"10479418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-16T16:46:20.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any <em>point</em> in time ), payment <em>information</em>, and certainly have no wet ink authorization from me to report."],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Credit <em>inquiries</em> on your report that you don't recognize"]},"sort":[9.96271,"10479418"]},{"_index":"complaint-public-v1","_id":"10475306","_score":9.96271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I noticed inaccurate information roughly XX/XX/XXXX. I disputed but was ignored. Now XXXX  years later, there are further inaccuracies, in addition to knowledge that I have never given my wet ink signature towards authorization of reporting. \n\nViolation of 15 U.S.C. 1681c-2 Alleged Identity Theft According to 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft. This blocking must occur no later than XXXX business days after the receipt of such notice. \n\nThis letter serves to supply the FTC affidavit number and relevant documentation related to my identity theft claim. The accounts listed below are part of an official FTC filing, and I demand that these fraudulent accounts be deleted immediately from my consumer report. \n\nFTC Affidavit Number : XXXX -- -- -- - Violation of 15 U.S.C. 1681b Unauthorized Furnishing of Consumer Report Under 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under specific permissible circumstances, one of which requires the written instruction of the consumer. I hereby declare that I have never provided written ( wet ink signature ) consent for any consumer reporting agency to furnish information regarding the accounts in question. \n\nWithout my written permission, you do not have authorization to include or share these accounts on my consumer report. This unauthorized furnishing of information constitutes a violation of my rights under federal law. \n\nAll inquiries, reported credit lines that can not provide a wet ink signature ( not digital ) to the XXXX  XXXX be removed immediately. Any reports should be scrutinized for compliance with verifiable wet ink signature on file. \n\nAn example is included below : One reporter claims {$600.00} is agreed upon, while this document attached below, current as of XX/XX/XXXX, shows that my \" obligation '' is {$280.00} bi-weekly. As these numbers are inaccurate, and the reporting unauthorized, it needs to be removed. \n\nThis holds true for all accounts. All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any point in time ), payment information, and certainly have no wet ink authorization from me to report.","date_sent_to_company":"2024-10-16T16:46:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43026","tags":null,"has_narrative":true,"complaint_id":"10475306","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-16T16:13:26.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["All of them have discrepancies in credit line amount ( I was issued no credit, and have had no access to these funds at any <em>point</em> in time ), payment <em>information</em>, and certainly have no wet ink authorization from me to report."],"sub_issue":["Credit <em>inquiries</em> on your report that you don't recognize"]},"sort":[9.96271,"10475306"]},{"_index":"complaint-public-v1","_id":"5990727","_score":9.952578,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/2022, I initiated a loan application after receiving a call from a BHG XXXX XXXX. In the process of completing the application I mistakenly uploaded an incorrect document in place of my paycheck stub. I then proceeded to upload the correct paycheck stub and then contacted the finance director on his direct line to ask him to remove the document that was incorrectly uploaded. He stated that he was unable to delete/remove the document but that the Loan Processor would be able too. I emailed the loan processor ( see attached ) who in turn stated that the document had been deleted. After a brief while, I checked and the document was still on the portal. I proceeded to leave the Loan Processor a voicemail at that point to advise him that the document had not been removed. When I didn't hear back from the loan processor, I again contacted the Finance Manager on his direct line asking him to withdraw my application completely. Once he withdrew the application with me on the line. The two documents that I uploaded remained on the portal. On XX/XX/2022, I send an email to XXXX customer service @ XXXX and received a reply from a XXXX XXXX XXXX, XXXX XXXX, stating \" I am reaching out after receiving your online web inquiry regarding the information submitted with your recent application. Unfortunately due to compliance regulations and guidelines we are not able to delete this information. We have to keep any submitted information on file for 5 years. I want to ensure that we do not do anything with this information, other than store it for policy purposes. Please let me know if you have any additional questions. '' - I proceeded to contact XXXX via the telephone number she provided in her email and additionally responded to her email to advise her that her compliance policies should not apply to me as I am not a customer, never have been, nor do I have an active account with BHG. During my telephone conversation with the rep she stated again that per their policy they are required to retain my data for a minimum of five years from the date of submission. I then requested a copy of said \" policy '' in which I was advised by XXXX XXXX that she isn't sure if they have something that they could provide me but that she will check with her manager and let me know. XXXX XXXX called me back and advised me that she spoke with her supervisor XXXX XXXX, who confirmed that BHG would have to retain my information for a minimum of five years from the date of submission but that she does not have a policy in which she can provide me that states such. XXXX XXXX then referenced that per the US Patriots Act, they should retain my data for a minimum of five years should I need further clarification.","date_sent_to_company":"2022-10-03T14:35:35.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"30012","tags":null,"has_narrative":true,"complaint_id":"5990727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANKERS HEALTHCARE GROUP LLC","date_received":"2022-09-16T16:04:32.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/2022, I send an email to XXXX customer service @ XXXX and received a reply from a XXXX XXXX XXXX, XXXX XXXX, stating \" I am reaching out after receiving your online web <em>inquiry</em> regarding the <em>information</em> submitted with your recent application. Unfortunately due to <em>compliance</em> regulations and guidelines we are not able to delete this <em>information</em>. We have to keep any submitted <em>information</em> on file for 5 years."]},"sort":[9.952578,"5990727"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":188,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":188}]}},"product":{"doc_count":188,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":110,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":110}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":24,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":24}]}},{"key":"Mortgage","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":6},{"key":"VA mortgage","doc_count":4},{"key":"FHA mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Debt collection","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":7},{"key":"Credit card debt","doc_count":3},{"key":"Mortgage debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":4},{"key":"Mobile or digital wallet","doc_count":2},{"key":"Domestic (US) money transfer","doc_count":1},{"key":"International money transfer","doc_count":1}]}},{"key":"Credit card","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"Store credit card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Student loan debt relief","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment 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