{"took":1815,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15269,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10830261","_score":12.543816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Summary of Request for Deletion of Accounts Nos. XXXX and XXXX and Compensation for Violations I am requesting the immediate deletion of accounts XXXX and XXXX from my credit reports due to violations of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. These violations have caused significant harm, and I am seeking compensation for the damages incurred. Specifically : XXXX. Insufficient Debt Validation : The debt collector has failed to provide the necessary documentation as required under the FDCPA, including original signed contracts. This failure to validate the debt appropriately has caused significant stress and harm to my credit.\n\n2. FCRA Violations and Willful Non-Compliance : Reporting time-barred debts and failing to correct inaccuracies as required under the FCRA constitutes willful non-compliance, which could lead to statutory damages for each instance of non-compliance.\n\n3. Breach of Privacy Protections : The continued reporting of my personal information despite my opt-out request under the GLBA and Privacy Act is a breach of my privacy rights, further damaging my financial standing.\n\n4. FTC Compliance : Non-compliance with FTC regulations governing accurate reporting and consumer privacy exposes the debt collector to regulatory scrutiny and potential penalties.","date_sent_to_company":"2024-11-17T21:51:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21206","tags":null,"has_narrative":true,"complaint_id":"10830261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2024-11-17T21:34:01.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX and XXXX and Compensation for Violations I am requesting the immediate deletion of accounts XXXX and XXXX from my <em>credit</em> <em>reports</em> due to violations of several federal laws, including the <em>Fair</em> Debt Collection Practices Act ( FDCPA ), <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and the <em>Privacy</em> Act of 1974. These violations have caused significant harm, and I am seeking compensation for the damages incurred. Specifically : XXXX."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[12.543816,"10830261"]},{"_index":"complaint-public-v1","_id":"9786981","_score":11.667042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XXXX XXXX, 2021, with an alleged collection amount of {$16000.00}. \n\nConcerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. \n\nVerification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. \n\nCease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken. \n\nRemoval of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.\n\nConsumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.","date_sent_to_company":"2024-08-13T05:35:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9786981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-13T05:29:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Removal of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my <em>credit</em> <em>report</em>. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure <em>compliance</em> with <em>fair</em> <em>credit</em> <em>reporting</em> standards.\n\nConsumer Rights and <em>Compliance</em> The collection efforts and <em>reporting</em> of this debt appear to violate my consumer rights under the FDCPA and <em>privacy</em> laws."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.667042,"9786981"]},{"_index":"complaint-public-v1","_id":"9786949","_score":11.663759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XX/XX/ 2021, with an alleged collection amount of {$16000.00}. \n\nConcerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. \n\nVerification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. \n\nCease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken.\n\nRemoval of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.\n\nConsumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.","date_sent_to_company":"2024-08-13T05:36:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9786949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2024-08-13T05:36:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Removal of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my <em>credit</em> <em>report</em>. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure <em>compliance</em> with <em>fair</em> <em>credit</em> <em>reporting</em> standards.\n\nConsumer Rights and <em>Compliance</em> The collection efforts and <em>reporting</em> of this debt appear to violate my consumer rights under the FDCPA and <em>privacy</em> laws."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"company":["<em>FAIR</em> COLLECTIONS & OUTSOURCING, INC."],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.663759,"9786949"]},{"_index":"complaint-public-v1","_id":"7840804","_score":11.616108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm writing to express grave concern about intentional privacy violations by the three major credit XXXX, Equifax, and XXXX. I have seen clear violations of the Fair Credit Reporting Act ( FCRA ) in which credit reporting agencies ignored the privacy rights outlined. Their actions, I believe, not only violate my right to privacy, but also flagrantly violate federal consumer credit reporting laws. I respectfully request your office 's intervention and investigation into this matter to ensure compliance with existing laws and the privacy rights of consumers.","date_sent_to_company":"2023-11-13T03:06:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91316","tags":null,"has_narrative":true,"complaint_id":"7840804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-13T03:06:16.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I'm writing to express grave concern about intentional <em>privacy</em> violations by the three major <em>credit</em> XXXX, Equifax, and XXXX. I have seen clear violations of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) in which <em>credit</em> <em>reporting</em> agencies ignored the <em>privacy</em> rights outlined. Their actions, I believe, not only violate my right to <em>privacy</em>, but also flagrantly violate federal consumer <em>credit</em> <em>reporting</em> laws."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.616108,"7840804"]},{"_index":"complaint-public-v1","_id":"7840783","_score":11.609425,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I'm writing to express grave concern about intentional privacy violations by the XXXX major credit bureausExperian, XXXX, and XXXX. I have seen clear violations of the Fair Credit Reporting Act ( FCRA ) in which credit reporting agencies ignored the privacy rights outlined. Their actions, I believe, not only violate my right to privacy, but also flagrantly violate federal consumer credit reporting laws. I respectfully request your office 's intervention and investigation into this matter to ensure compliance with existing laws and the privacy rights of consumers.","date_sent_to_company":"2023-11-13T03:06:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91316","tags":null,"has_narrative":true,"complaint_id":"7840783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-13T02:47:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I'm writing to express grave concern about intentional <em>privacy</em> violations by the XXXX major <em>credit</em> bureausExperian, XXXX, and XXXX. I have seen clear violations of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) in which <em>credit</em> <em>reporting</em> agencies ignored the <em>privacy</em> rights outlined. Their actions, I believe, not only violate my right to <em>privacy</em>, but also flagrantly violate federal consumer <em>credit</em> <em>reporting</em> laws."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.609425,"7840783"]},{"_index":"complaint-public-v1","_id":"11003583","_score":11.523518,"_source":{"product":"Student loan","complaint_what_happened":"I am filing this complaint regarding Granite Edvance Corporation 's failure to validate alleged debts linked to accounts ending in XXXX and XXXX and their non-compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Privacy Act of 1974, and 15 USC 6801-6802. Despite requesting original wet-ink promissory notes or legally authenticated copies, I have not received them, and the creditor has not provided evidence of permissible purposes under 15 U.S. Code 1681b for procuring or reporting my consumer information. Furthermore, they continue reporting transaction history without my explicit consent, violating privacy safeguards. I have formally opted out of any authorization permitting the sharing of my personal data, yet they persist in these actions. I demand proper documentation, immediate cessation of reporting, compliance with opt-out provisions, and assurance of privacy protection. Failure to comply will lead to regulatory escalation and potential legal action.","date_sent_to_company":"2024-12-12T17:38:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Federal student loan servicing","zip_code":"030XX","tags":null,"has_narrative":true,"complaint_id":"11003583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-12-02T20:15:34.000Z","state":"NH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing this complaint regarding Granite Edvance Corporation 's failure to validate alleged debts linked to accounts ending in XXXX and XXXX and their non-<em>compliance</em> with federal laws, including the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ), <em>Fair</em> Debt Collection Practices Act ( FDCPA ), <em>Privacy</em> Act of 1974, and 15 USC 6801-6802."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.523518,"11003583"]},{"_index":"complaint-public-v1","_id":"8091734","_score":11.456179,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against American Express, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit cardholder, I expect institutions like American Express to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into American Express 's practices.\n\nMy primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but American Express may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. \n\nBeyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where American Express may lack full compliance.\n\nThe apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974. \n\nNotably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.\n\nEmphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with American Express, contravenes the law.\n\nAdditional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection. \n\nLastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.\n\nIn light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into American Express 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.\n\nI appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.","date_sent_to_company":"2024-01-02T10:10:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"8091734","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-02T09:52:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Beyond opt-out disclosures, concerns extend to potential <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( 15 USC 1681 ) violations. Section 602a emphasizes <em>fairness</em>, impartiality, and respect for consumer <em>privacy</em>, areas where American Express may lack full <em>compliance</em>.\n\nThe apparent lack of information on opt-out options may signal broader insufficient <em>privacy</em> disclosures."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.456179,"8091734"]},{"_index":"complaint-public-v1","_id":"7531362","_score":11.452018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.","date_sent_to_company":"2023-09-11T05:27:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29440","tags":null,"has_narrative":true,"complaint_id":"7531362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-11T05:27:31.000Z","state":"SC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In accordance with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to <em>privacy</em> code ( 15usc 1681 ) .They aren't in <em>compliance</em> with metro 2 <em>credit</em> <em>reporting</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.452018,"7531362"]},{"_index":"complaint-public-v1","_id":"7530788","_score":11.452018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.","date_sent_to_company":"2023-09-11T05:27:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29440","tags":null,"has_narrative":true,"complaint_id":"7530788","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-11T05:06:36.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In accordance with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to <em>privacy</em> code ( 15usc 1681 ) .They aren't in <em>compliance</em> with metro 2 <em>credit</em> <em>reporting</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.452018,"7530788"]},{"_index":"complaint-public-v1","_id":"7531123","_score":11.451257,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.","date_sent_to_company":"2023-09-11T05:27:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29440","tags":null,"has_narrative":true,"complaint_id":"7531123","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-11T05:27:31.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In accordance with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to <em>privacy</em> code ( 15usc 1681 ) .They aren't in <em>compliance</em> with metro 2 <em>credit</em> <em>reporting</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.451257,"7531123"]},{"_index":"complaint-public-v1","_id":"8091923","_score":11.43302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against Navy Federal Credit Union, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit union member, I expect institutions like Navy Federal Credit Union to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Navy Federal Credit Union 's practices.\n\nMy primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Navy Federal Credit Union may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. \n\nBeyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Navy Federal Credit Union may lack full compliance.\n\nThe apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974.\n\nNotably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.\n\nEmphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Navy Federal Credit Union, contravenes the law.\n\nAdditional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection.\n\nLastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.\n\nIn light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Navy Federal Credit Union 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.\n\nI appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.","date_sent_to_company":"2024-01-02T09:47:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"8091923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-01-02T07:41:33.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Beyond opt-out disclosures, concerns extend to potential <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( 15 USC 1681 ) violations. Section 602a emphasizes <em>fairness</em>, impartiality, and respect for consumer <em>privacy</em>, areas where Navy Federal <em>Credit</em> Union may lack full <em>compliance</em>.\n\nThe apparent lack of information on opt-out options may signal broader insufficient <em>privacy</em> disclosures."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.43302,"8091923"]},{"_index":"complaint-public-v1","_id":"9786951","_score":11.427526,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Fair Collections & Out, I am writing to formally address and dispute the collection account associated with XXXX XXXX XXXX XXXX The account in question was opened on XX/XX/scrub>XXXX XXXX  2021, with an alleged collection amount of {$16000.00}. \n\nConcerns and Requests Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX had no right to share my personal information without my explicit consent. The unauthorized sharing of my information constitutes a violation of my privacy rights. \n\nVerification of Debt : Until sufficient and verifiable evidence of the alleged debt is provided, it is reasonable to assume that no such debt exists. Please provide detailed documentation supporting the legitimacy of this debt, including original account information and any agreements or records related to the collection. \n\nCease All Communication : Under 15 U.S.C. 1692c, which is part of the Fair Debt Collection Practices Act ( FDCPA ), I request that all communications regarding this debt cease immediately. This provision requires that a debt collector stop communicating with a consumer upon request, except to inform the consumer of specific actions being taken. \n\nRemoval of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my credit report. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure compliance with fair credit reporting standards.\n\nConsumer Rights and Compliance The collection efforts and reporting of this debt appear to violate my consumer rights under the FDCPA and privacy laws. Therefore, I expect immediate compliance with my requests and confirmation of the actions taken.","date_sent_to_company":"2024-08-13T05:36:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"9786951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-13T05:36:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Removal of Debt : Under 15 U.S.C. 1692, which governs the accuracy of information provided by debt collectors, I request that the debt be removed from my <em>credit</em> <em>report</em>. If the debt can not be verified or is found to be inaccurate, it must be deleted to ensure <em>compliance</em> with <em>fair</em> <em>credit</em> <em>reporting</em> standards.\n\nConsumer Rights and <em>Compliance</em> The collection efforts and <em>reporting</em> of this debt appear to violate my consumer rights under the FDCPA and <em>privacy</em> laws."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.427526,"9786951"]},{"_index":"complaint-public-v1","_id":"12005352","_score":11.419753,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer report pursuant to federal and consumer compliance laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ).\n\nLegal Basis for Request Fair Credit Reporting Act ( 15 U.S.C. 1681c ) : The inclusion of my employer information and full or partial SSN in consumer reports without my explicit consent is not required for creditworthiness assessment. The FCRA requires consumer reporting agencies to ensure that only accurate, necessary, and legally permissible information is reported.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Under the GLBA, non-public personal information ( NPI ), including employers data and SSNs, must be safeguarded and not shared without proper consent.\n\nData Privacy Compliance : Consumer reporting agencies must take reasonable measures to protect sensitive consumer information from unauthorized distribution and exposure. My employers and SSN information fall under protected data categories that require stringent compliance standards.\n\nI also request the original Consumer Financial Privacy Policy Notice under the GLB ACT, Privacy ACT of 1974, I will like to see in writing where I have given consent to disclose employer and SSN information.","date_sent_to_company":"2025-02-10T00:49:11.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"12005352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T00:03:19.000Z","state":"NJ","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":["writing to formally request the removal of employers information and Social Security Number ( SSN ) details from my consumer <em>report</em> pursuant to federal and consumer <em>compliance</em> laws, including but not limited to the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA )."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.419753,"12005352"]},{"_index":"complaint-public-v1","_id":"8091691","_score":11.324958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against Discover Bank, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible account holder, I expect institutions like Discover Bank to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Discover Bank 's practices.\n\nMy primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Discover Bank may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. \n\nBeyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Discover Bank may lack full compliance.\n\nThe apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974.\n\nNotably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.\n\nEmphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Discover Bank, contravenes the law.\n\nAdditional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection.\n\nLastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.\n\nIn light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Discover Bank 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.\n\nI appreciate your attention to this matter and trust the Consumer Financial Protection Bureau wi ll take necessary steps to safeguard consumer rights.","date_sent_to_company":"2024-01-02T10:27:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"8091691","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-01-02T10:12:25.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Beyond opt-out disclosures, concerns extend to potential <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( 15 USC 1681 ) violations. Section 602a emphasizes <em>fairness</em>, impartiality, and respect for consumer <em>privacy</em>, areas where Discover Bank may lack full <em>compliance</em>.\n\nThe apparent lack of information on opt-out options may signal broader insufficient <em>privacy</em> disclosures."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.324958,"8091691"]},{"_index":"complaint-public-v1","_id":"9993680","_score":11.302436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX CARD - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nListed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XX/XX/year> - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nALLY FINANCI - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX XXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!","date_sent_to_company":"2024-09-02T15:00:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"61704","tags":null,"has_narrative":true,"complaint_id":"9993680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-02T14:54:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This conduct has violated my <em>privacy</em> and I am very upset by the <em>privacy</em> invasion. DELETE this from my <em>report</em> asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer <em>report</em> without my consent or permissible purpose in violation of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,?"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.302436,"9993680"]},{"_index":"complaint-public-v1","_id":"15185342","_score":11.2982025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that TransUnion : Provide my complete consumer file report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.\n\nBlock or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my privacy rights are upheld.\n\nConduct a manual, human-led review of my file rather than an automated or e-OSCAR system-based response, as required for a proper reinvestigation.\n\nProvide written confirmation of compliance within 30 days of receipt of this complaint, as mandated by federal law.\n\nCease the unauthorized dissemination, sale, or transfer of my information to any third-party platforms or entities without my express written consent.\n\nImplement proper safeguards and compliance protocols to prevent future violations of consumer privacy rights.","date_sent_to_company":"2025-08-09T23:06:52.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"15185342","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-09T22:49:46.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I am requesting that TransUnion : Provide my complete consumer file <em>report</em> in <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.\n\nBlock or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my <em>privacy</em> rights are upheld."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.2982025,"15185342"]},{"_index":"complaint-public-v1","_id":"15184883","_score":11.294715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that TransUnion : Provide my complete consumer file report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.\n\nBlock or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my privacy rights are upheld.\n\nConduct a manual, human-led review of my file rather than an automated or e-OSCAR system-based response, as required for a proper reinvestigation.\n\nProvide written confirmation of compliance within 30 days of receipt of this complaint, as mandated by federal law.\n\nCease the unauthorized dissemination, sale, or transfer of my information to any third-party platforms or entities without my express written consent.\n\nImplement proper safeguards and compliance protocols to prevent future violations of consumer privacy rights.","date_sent_to_company":"2025-08-09T23:06:56.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"15184883","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-08-09T23:06:27.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I am requesting that TransUnion : Provide my complete consumer file <em>report</em> in <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.\n\nBlock or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my <em>privacy</em> rights are upheld."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.294715,"15184883"]},{"_index":"complaint-public-v1","_id":"9993857","_score":11.293302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nListed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XX/XX/year> - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX XXXX XXXX XXXX  XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!","date_sent_to_company":"2024-09-02T15:01:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"61704","tags":null,"has_narrative":true,"complaint_id":"9993857","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-02T15:00:57.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This conduct has violated my <em>privacy</em> and I am very upset by the <em>privacy</em> invasion. DELETE this from my <em>report</em> asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer <em>report</em> without my consent or permissible purpose in violation of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,?"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.293302,"9993857"]},{"_index":"complaint-public-v1","_id":"9992096","_score":11.277228,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - XXXX Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX - The Equifax XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nListed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XX/XX/year> - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXX  - XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap! \n\nXXXX XXXXXXXX XXXX XXXX XXXX  XXXX - This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!","date_sent_to_company":"2024-09-02T15:01:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"61704","tags":null,"has_narrative":true,"complaint_id":"9992096","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-02T15:00:57.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This conduct has violated my <em>privacy</em> and I am very upset by the <em>privacy</em> invasion. DELETE this from my <em>report</em> asap! \n\nXXXX - XXXX - This company has requested and obtained a copy of my consumer <em>report</em> without my consent or permissible purpose in violation of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,?"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.277228,"9992096"]},{"_index":"complaint-public-v1","_id":"15182574","_score":11.275766,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that TransUnion : Provide my complete consumer file report in compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.\n\nBlock or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my privacy rights are upheld.\n\nConduct a manual, human-led review of my file rather than an automated or e-OSCAR system-based response, as required for a proper reinvestigation.\n\nProvide written confirmation of compliance within 30 days of receipt of this complaint, as mandated by federal law.\n\nCease the unauthorized dissemination, sale, or transfer of my information to any third-party platforms or entities without my express written consent.\n\nImplement proper safeguards and compliance protocols to prevent future violations of consumer privacy rights.","date_sent_to_company":"2025-08-09T23:06:51.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"43613","tags":null,"has_narrative":true,"complaint_id":"15182574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-09T23:06:27.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["I am requesting that TransUnion : Provide my complete consumer file <em>report</em> in <em>compliance</em> with the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 15 U.S.C. 1681g, including all data, inquiries, and records associated with my personal information.\n\nBlock or delete any unverifiable, unauthorized, or inaccurate information pursuant to FCRA 611 and 605B, ensuring my <em>privacy</em> rights are upheld."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.275766,"15182574"]},{"_index":"complaint-public-v1","_id":"9000983","_score":11.20127,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating XXXX XXXX Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611","date_sent_to_company":"2024-05-15T00:38:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"182XX","tags":null,"has_narrative":true,"complaint_id":"9000983","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-15T00:38:13.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to <em>report</em> on <em>credit</em> and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement <em>compliance</em> with <em>credit</em> <em>reporting</em> agencies, and overall <em>compliance</em> with all <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act and <em>Fair</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.20127,"9000983"]},{"_index":"complaint-public-v1","_id":"8930273","_score":11.199189,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately","date_sent_to_company":"2024-05-04T16:03:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8930273","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-04T16:03:23.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to <em>report</em> on <em>credit</em> and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement <em>compliance</em> with <em>credit</em> <em>reporting</em> agencies, and overall <em>compliance</em> with all <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act and <em>Fair</em> Debt Collection Practices Act bylaws as mandated by federal laws."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.199189,"8930273"]},{"_index":"complaint-public-v1","_id":"9007338","_score":11.192456,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611","date_sent_to_company":"2024-05-15T00:38:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"182XX","tags":null,"has_narrative":true,"complaint_id":"9007338","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-15T00:38:13.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to <em>report</em> on <em>credit</em> and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement <em>compliance</em> with <em>credit</em> <em>reporting</em> agencies, and overall <em>compliance</em> with all <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act and <em>Fair</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.192456,"9007338"]},{"_index":"complaint-public-v1","_id":"9009674","_score":11.191654,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611","date_sent_to_company":"2024-05-15T00:38:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"182XX","tags":null,"has_narrative":true,"complaint_id":"9009674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-15T00:16:11.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to <em>report</em> on <em>credit</em> and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement <em>compliance</em> with <em>credit</em> <em>reporting</em> agencies, and overall <em>compliance</em> with all <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act and <em>Fair</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.191654,"9009674"]},{"_index":"complaint-public-v1","_id":"8930421","_score":11.175209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately","date_sent_to_company":"2024-05-04T16:03:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8930421","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-04T15:53:26.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to <em>report</em> on <em>credit</em> and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment 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