{"took":843,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":865,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8875687","_score":18.631798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT THIS IS FOR XXXX AND EXPERIAN THE OTHER IS FOR THE CREDITOR! \n\nIn accordance with the Fair Credit Reporting Act ( FCRA ), I formally request validation of the debt in question from Source XXXX XXXX, as well as accurate and complete information regarding its origin and validity. It is noted that despite my previous correspondence, XXXX XXXX XXXX failed to provide the requested validation or adhere to the requisite XXXX mailing requirements. \n\nFurthermore, XXXX XXXX XXXX 's failure to furnish accurate information regarding disputing procedures and the omission of requested information are clear violations of FCRA regulations. Moreover, their disregard for the timelines stipulated by law and fair credit reporting practices is unacceptable. \n\nAdditionally, XXXX and Experian 's inclusion of the disputed item on my credit report without proper verification constitutes a breach of their obligations under the FCRA. This failure to adhere to established procedures is concerning, especially considering the significant impact on my creditworthiness. \n\nIt is imperative that XXXX XXXX XXXX, XXXX, and Experian rectify these discrepancies promptly and take appropriate measures to ensure compliance with FCRA regulations. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer.","date_sent_to_company":"2024-04-28T16:42:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48167","tags":null,"has_narrative":true,"complaint_id":"8875687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-28T16:42:06.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is imperative that XXXX XXXX XXXX, XXXX, and <em>Experian</em> rectify these discrepancies promptly and take appropriate measures to ensure <em>compliance</em> with <em>FCRA</em> <em>regulations</em>. Failure to do so may necessitate further action, including the escalation of this matter to regulatory authorities or legal recourse to safeguard my rights as a consumer."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.631798,"8875687"]},{"_index":"complaint-public-v1","_id":"3175866","_score":18.449663,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX I sent a certified letter return receipt to Experian in which I am uploading that letter as well to this complaint. I sent them the letter with tracking number XXXX XXXX XXXX XXXX XXXX in which Experian received my mail on XXXX XXXX at XXXX XXXX and also I did as they requested and sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX and was received on XXXX XXXX. I also sent a certified letter to XXXX XXXX with tracking number XXXX XXXX XXXX XXXX XXXX in which XXXX XXXX received my letter on XXXX XXXX at XXXX am.In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, so I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). The bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), I request that they forward all of the relevant information provided by them to the creditor their investigation followed of my dispute. I followed all the steps and Experian is still reporting these non compliant medical accounts on my credit report. I do not authorize the to mis-report any mis-information now or ever. I have sent several letters before this asking that they please review and ENSURE their records are adequate and full accordance to the law upon which governs their practice of reporting consumer credit profiles. They are reporting inaccurate and incomplete information in regards to the following medical accounts 1.XXXX  XXXX-XXXXxxxx 2.XXXX  XXXX-102517xxxx 3.XXXX XXXX-XXXXxxxx 4.XXXX XXXX-XXXXxxxx 5.XXXX  XXXX-XXXXxxxx I demand that they contact the medical facility in which I have already done, and demand a validation of the debt ( of course they cant provide the statement at this time ). Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Experian has failed to complete their investigation of this Medical Collection and refuse to remove it because clearly the provider can not validate the information they are reporting on my credit report. My letter I sent to them on XXXX XXXX was my letter of consumer check and challenge for lawful reporting compliance and was my officially composed writ formal complaint that they are reporting one or more of the following, ILLEGALLY. Under FCRA 611 ( a ) ( 7 ) I requested for a description of the procedure used by the agency in providing all information to the creditor associated with my earlier dispute of the validity of the reported late payments from my credit file that the bureau provided to me. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), the bureau was required to forward all of the relevant information provided by them to the creditor for their investigation of my dispute. After contacting the creditor I have been led to believe that THIS did not take place, in which this is a clear violation of the FCRA and the FCBA. \n\nTheir reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which they are reporting chichanary lead subterfuge. \nTheir reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which you report chichanary lead subterfuge. \nTheir reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they report in chichanary lead subterfuge. \nTheir reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP nd or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which they are reporting in chichanary lead subterfuge. \nTheir reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potential injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge. \nTheir reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ) so legally there can be no truth assumed to the allegations of which the credit bureau is reporting in chichanary lead subterfuge.","date_sent_to_company":"2019-03-11T18:19:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"3175866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-03-11T18:12:09.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Their reporting is unproven to be of <em>FCRA</em> <em>COMPLIANCE</em> ( and <em>regulations</em> are <em>CLEAR</em> mandates to be fully CONFIDENT in the assumption of FULL unmistakable <em>COMPLIANCE</em> to any and all standards of practice as related to the reporting of any potential injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chichanary lead subterfuge."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.449663,"3175866"]},{"_index":"complaint-public-v1","_id":"11078621","_score":18.303936,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). \n\nMy name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EXPERIAN credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report. Specifically, under Section 1681e ( b ) of the FCRA, EXPERIAN has failed to follow reasonable procedures to ensure that the information it reports is accurate.\n\nFurthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. \n\nI have already taken steps to address these issues by contacting EXPERIAN directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, Social Security card, proof of address, and FTC report number XXXX. Despite these efforts, EXPERIAN has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and FACTA. This failure has had a significant negative impact on my creditworthiness and financial stability. \n\nI am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that EXPERIAN promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that EXPERIAN provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate EXPERIAN 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.","date_sent_to_company":"2024-12-09T15:40:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75232","tags":null,"has_narrative":true,"complaint_id":"11078621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-09T15:20:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that <em>EXPERIAN</em> promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that <em>EXPERIAN</em> provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate <em>EXPERIAN</em> 's handling of my dispute and ensure its full <em>compliance</em> with <em>FCRA</em> and FACTA <em>regulations</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.303936,"11078621"]},{"_index":"complaint-public-v1","_id":"11091252","_score":18.299326,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against EXPERIAN regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Upon reviewing my EXPERIAN credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report.\n\nSpecifically, under Section 1681e ( b ) of the FCRA, EXPERIAN has failed to follow reasonable procedures to ensure that the information it reports is accurate. \nFurthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. I have already taken steps to address these issues by contacting EXPERIAN directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, Social Security card, proof of address, and FTC report number XXXX. Despite these efforts, EXPERIAN has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and FACTA. This failure has had a significant negative impact on my creditworthiness and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that EXPERIAN promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that EXPERIAN provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate EXPERIAN 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.","date_sent_to_company":"2024-12-09T16:17:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75232","tags":null,"has_narrative":true,"complaint_id":"11091252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-09T16:05:04.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that <em>EXPERIAN</em> promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that <em>EXPERIAN</em> provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate <em>EXPERIAN</em> 's handling of my dispute and ensure its full <em>compliance</em> with <em>FCRA</em> and FACTA <em>regulations</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.299326,"11091252"]},{"_index":"complaint-public-v1","_id":"12799478","_score":18.23328,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Experian for Inaccurate Credit Reporting and Violation of FCRA & Regulation F To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, Minn. XXXX Date : XX/XX/2025 Re : Experians Unlawful Reporting of a Third-Party Debt Without Validation for XXXX XXXX XXXX Dear CFPB, I am filing a formal complaint against Experian for inaccurately reporting a third-party debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). \n\nDetails of the Complaint : A third-party creditor, [ Third-Party Creditor Name ], has been reporting a debt on my credit file without providing proper debt validation or an original contract proving my obligation to this alleged debt. \nThe original creditor has already discharged this debt and filed a 1099-C Cancellation of Debt with the IRS, which per IRS guidelines signifies the debt has been canceled and is no longer legally collectible.\n\nUnder 15 U.S.C. 1681s-2 ( b ) of the FCRA, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information, yet they have failed to do so.\n\nRegulation F, which governs debt collection practices, requires that debt collectors provide clear validation of a debt upon request, which has not been done in this case. \n\nMy Attempts to Resolve the Issue : I have disputed this inaccurate reporting directly with Experian and requested the removal of the debt. However, Experian has failed to validate the debt or remove the erroneous account. \nThe continued reporting of this account is misleading, damaging to my creditworthiness, and a clear violation of federal law.\n\nResolution Requested : I am requesting that the CFPB investigate Experians failure to comply with FCRA us codes Regulation F and take appropriate enforcement action. I also request : 1. Immediate removal of the unverified and legally uncollectible debt from my credit report.\n\n2. A full investigation into Experians compliance with debt validation and credit reporting laws.\n\n3. Any applicable penalties or corrective measures to prevent similar violations in the future.\n\nI appreciate the CFPBs attention to this matter and request an update on the status of my complaint as soon as possible.","date_sent_to_company":"2025-04-03T23:38:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"12799478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T23:24:27.000Z","state":"MN","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":["Subject : Complaint Against <em>Experian</em> for Inaccurate Credit Reporting and Violation of <em>FCRA</em> & <em>Regulation</em> F To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, Minn."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.23328,"12799478"]},{"_index":"complaint-public-v1","_id":"12798642","_score":18.19712,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Experian for Inaccurate Credit Reporting and Violation of FCRA & Regulation F To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, Minn. XXXX Date : XX/XX/2025 Re : Experians Unlawful Reporting of a Third-Party Debt Without Validation for XXXX XXXX XXXX Dear CFPB, I am filing a formal complaint against Experian for inaccurately reporting a third-party debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). \n\nDetails of the Complaint : A third-party creditor, [ Third-Party Creditor Name ], has been reporting a debt on my credit file without providing proper debt validation or an original contract proving my obligation to this alleged debt. \nThe original creditor has already discharged this debt and filed a 1099-C Cancellation of Debt with the IRS, which per IRS guidelines signifies the debt has been canceled and is no longer legally collectible.\n\nUnder 15 U.S.C. 1681s-2 ( b ) of the FCRA, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information, yet they have failed to do so.\n\nRegulation F, which governs debt collection practices, requires that debt collectors provide clear validation of a debt upon request, which has not been done in this case. \n\nMy Attempts to Resolve the Issue : I have disputed this inaccurate reporting directly with Experian and requested the removal of the debt. However, Experian has failed to validate the debt or remove the erroneous account. \nThe continued reporting of this account is misleading, damaging to my creditworthiness, and a clear violation of federal law.\n\nResolution Requested : I am requesting that the CFPB investigate Experians failure to comply with FCRA us codes Regulation F and take appropriate enforcement action. I also request : 1. Immediate removal of the unverified and legally uncollectible debt from my credit report.\n\n2. A full investigation into Experians compliance with debt validation and credit reporting laws.\n\n3. Any applicable penalties or corrective measures to prevent similar violations in the future.\n\nI appreciate the CFPBs attention to this matter and request an update on the status of my complaint as soon as possible.","date_sent_to_company":"2025-04-03T23:38:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"12798642","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-03T23:38:27.000Z","state":"MN","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":["Subject : Complaint Against <em>Experian</em> for Inaccurate Credit Reporting and Violation of <em>FCRA</em> & <em>Regulation</em> F To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, Minn."]},"sort":[18.19712,"12798642"]},{"_index":"complaint-public-v1","_id":"12798633","_score":18.189203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Experian for Inaccurate Credit Reporting and Violation of FCRA & Regulation F To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, Minn. XXXX Date : XX/XX/2025 Re : Experians Unlawful Reporting of a Third-Party Debt Without Validation for XXXX XXXX XXXX Dear CFPB, I am filing a formal complaint against Experian for inaccurately reporting a third-party debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). \n\nDetails of the Complaint : A third-party creditor, [ Third-Party Creditor Name ], has been reporting a debt on my credit file without providing proper debt validation or an original contract proving my obligation to this alleged debt. \nThe original creditor has already discharged this debt and filed a 1099-C Cancellation of Debt with the IRS, which per IRS guidelines signifies the debt has been canceled and is no longer legally collectible.\n\nUnder 15 U.S.C. 1681s-2 ( b ) of the FCRA, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information, yet they have failed to do so.\n\nRegulation F, which governs debt collection practices, requires that debt collectors provide clear validation of a debt upon request, which has not been done in this case. \n\nMy Attempts to Resolve the Issue : I have disputed this inaccurate reporting directly with Experian and requested the removal of the debt. However, Experian has failed to validate the debt or remove the erroneous account. \nThe continued reporting of this account is misleading, damaging to my creditworthiness, and a clear violation of federal law.\n\nResolution Requested : I am requesting that the CFPB investigate Experians failure to comply with FCRA us codes Regulation F and take appropriate enforcement action. I also request : 1. Immediate removal of the unverified and legally uncollectible debt from my credit report.\n\n2. A full investigation into Experians compliance with debt validation and credit reporting laws.\n\n3. Any applicable penalties or corrective measures to prevent similar violations in the future.\n\nI appreciate the CFPBs attention to this matter and request an update on the status of my complaint as soon as possible.","date_sent_to_company":"2025-04-03T23:38:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"12798633","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-03T23:38:27.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Complaint Against <em>Experian</em> for Inaccurate Credit Reporting and Violation of <em>FCRA</em> & <em>Regulation</em> F To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, Minn."]},"sort":[18.189203,"12798633"]},{"_index":"complaint-public-v1","_id":"11702037","_score":18.020418,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing YET AGAIN to complain against Experian for their failure to conduct an adequate investigation into disputes I submitted on XX/XX/year>XXXX  and via this portal in XX/XX/year>. These disputes pertain to several accounts that are reporting inaccurately and violating my privacy rights under the Fair Credit Reporting Act ( FCRA ). \n\nDespite my providing detailed documentation and a clear explanation of the inaccuracies, Experians response has been wholly insufficient. They have not furnished any documentary evidence to substantiate their so-called \" investigation. '' This lack of transparency and due diligence raises serious concerns about their compliance with federal regulations designed to protect consumers from credit reporting errors. \n\nI was reading the CFPB 's lawsuit against Experian, which highlights systemic issues with their handling of consumer disputes and violations of the FCRA. This pattern of negligence, as cited in your lawsuit, appears to mirror my own experience. Experians practices are not only frustrating but also detrimental to my financial well-being.\n\nI demand that Experian immediately remove the disputed accounts from my credit report as they have failed to provide any verifiable evidence to justify their continued reporting. Additionally, I urge the CFPB to investigate Experians handling of my disputes and take appropriate enforcement action to ensure compliance with federal law.","date_sent_to_company":"2025-01-22T22:24:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"11702037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-22T22:15:49.000Z","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":["They have not furnished any documentary evidence to substantiate their so-called \" investigation. '' This lack of transparency and due diligence raises serious concerns about their <em>compliance</em> with federal <em>regulations</em> designed to protect consumers from credit reporting errors. \n\nI was reading the CFPB 's lawsuit against <em>Experian</em>, which highlights systemic issues with their handling of consumer disputes and violations of the <em>FCRA</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.020418,"11702037"]},{"_index":"complaint-public-v1","_id":"8057687","_score":17.620121,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian AGAIN for what I believe to be another clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Experian has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the FCRA. I initially brought this matter to Experian attention in a letter dated XX/XX/2023. As of XX/XX/2023, no action has been taken to REMOVE ALL these inaccuracies, despite the FCRA 's mandate for accuracy, fairness, and the substantiation of reported information. The FCRA stipulates that credit reporting agencies must promptly investigate and correct any disputed information. The inclusion of non-deliverable addresses not only compromises the accuracy of my credit report but also raises serious concerns about Experian 's compliance with federal regulations. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Experian adheres to the FCRA and promptly rectifies the inaccuracies in my credit report. Your assistance in resolving this issue is crucial to safeguarding my rights as a consumer and maintaining the integrity of credit reporting practices. I have attached my initial dispute letter to Experian dated XX/XX/2023. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation promptly.","date_sent_to_company":"2023-12-27T05:16:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60640","tags":null,"has_narrative":true,"complaint_id":"8057687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-27T05:06:06.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I am writing to file a formal complaint against <em>Experian</em> AGAIN for what I believe to be another <em>clear</em> violation of the Fair Credit Reporting Act ( <em>FCRA</em> ). Despite multiple requests, <em>Experian</em> has failed to rectify inaccuracies in my credit report, specifically concerning non-deliverable addresses, in direct violation of the <em>FCRA</em>. I initially brought this matter to <em>Experian</em> attention in a letter dated XX/XX/2023."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.620121,"8057687"]},{"_index":"complaint-public-v1","_id":"8205242","_score":17.619104,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Despite previous notifications and attempts to rectify the situation, XXXX has failed to conduct a proper investigation and continues to report the account XXXX XXXX XXXX XXXX inaccurately. On XX/XX/XXXX, I sent a letter to Experian detailing the specific errors associated with the account in question, which involves the collection agency XXXX XXXX. I provided evidence highlighting the inaccuracies, and I expected a thorough investigation and prompt correction in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX has since removed this account. To my dismay, Experian has neglected to remove the inaccuracies from my credit report, demonstrating a clear violation of FCRA regulations. Furthermore, this debt is uncollectible. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX. It is now XXXX. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. Given the persistent non-compliance with FCRA guidelines, I must inform you that I am left with no recourse but to pursue legal action against XXXX to seek relief, damages, and corrective measures. I urge Experian to address this matter promptly and rectify the inaccuracies on my credit report within 14 days. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Experian will take immediate action to rectify this situation and prevent the need for further legal action. I have attached the dispute letter, which is dated, and time stamped as well as the credit report with clear inaccuracies such as the date last active and the XXXX payment history.","date_sent_to_company":"2024-01-22T16:15:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"8205242","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-22T16:08:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To my dismay, <em>Experian</em> has neglected to remove the inaccuracies from my credit report, demonstrating a <em>clear</em> violation of <em>FCRA</em> <em>regulations</em>. Furthermore, this debt is uncollectible. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX. It is now XXXX. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.619104,"8205242"]},{"_index":"complaint-public-v1","_id":"10238173","_score":17.485212,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have identified significant inaccuracies on my credit report, which XXXX, Experian, and XXXX continue to verify as correct, despite clear evidence to the contrary. The continued reporting of this incorrect information is not only misleading but also a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 and Section 611, which require accurate reporting and thorough investigations of disputes. \n\nI have included proof that demonstrates the inaccuracies, yet the credit bureaus have failed to make the necessary corrections. This negligence in correcting the false information after being provided with clear evidence is unacceptable. I demand that this incorrect information be removed from my credit report immediately to prevent further damage to my credit standing. \n\nPlease take immediate action to rectify this matter and ensure full compliance with federal regulations.","date_sent_to_company":"2024-09-25T22:16:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77429","tags":null,"has_narrative":true,"complaint_id":"10238173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-25T22:16:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This negligence in correcting the false information after being provided with <em>clear</em> evidence is unacceptable. I demand that this incorrect information be removed from my credit report immediately to prevent further damage to my credit standing. \n\nPlease take immediate action to rectify this matter and ensure full <em>compliance</em> with federal <em>regulations</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.485212,"10238173"]},{"_index":"complaint-public-v1","_id":"5016216","_score":17.033619,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian 's own policy is for it as a CRA to conduct an invetsigation by evaluating the documents submitted with a consumer dispute and evaluate the validity of the information supplied by a data furnisher against the documentation supplied with the dispute. In CFPB complaint XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the narratives provided by XXXX  in response to prior BFPB complaints clearly contradicts the data XXXX  is supplying to Experian regarding my accounts through the eOSCAR system. Experian 's response clearly states the extent to which they actually conducted an investigation was to \" contact the data furnisher, '' and have the data furnisher \" verify '' the accuracy of the records to Experian. Any cursory inspection of the documents I provided to Experian would clearly indicate WF 1 ) violated the MPN with respect to billing, 2 ) violated CFPBs interpretation of Regulation Z, and the FCRA. Now, Experian was made aware that XXXX XXXX has a track record of engaging in this behavior because I also provided with Experian documents surrounding 2016-CFPB-013, which clearly indicated XXXX was engaging in illegal billing practices AND REFUSING TO UPDATE ERRONEOUS information it supplied to the CRAs. Despite this, Experian 's own response to the CFPB regarding the investigation shows a willingness to \" TRUST '' the data returned by the data furnisher via the eOSCAR system, in this case XXXX. The point is after around fifty ( 50 ) complaints that provided increasingly damning evidence of XXXX XXXX 's repeated billing irregularities, haphazard compliance with Regulation Z, FCRA, and 12 CFR 1026, it is clear that Experian knows, OR SHOULD BY NOW KNOW, the information supplied by XXXX for my student loan accounts is inaccurate based upon a cursory review of the documentation. Experian is now just as culpable as XXXX in damaging my credit worthiness because it is continuing to aggregate patently erroneous data, invalid and/or unverifiable information, and data supplied as a result of its non-compliance with the behaviors covered in 2016-CFPB-013. Experian is a custodian of records for my consumer behavior, repayment habits, and financing history. Experian 's continued inclusion of data supplied from a furnisher, that is contardicted by narratives from the data furnisher itself that has been supplied as a part of a consumer complaint, reflects flagrant disregard for consumer protection laws. That is, claiming to conudct an impartial \" investigation, '' by simply transmitting documentation to a data furnisher, is a substitute for, and denial of, rights of Due Process afforded under 12 CFR 1026 and the FCRA.","date_sent_to_company":"2021-12-16T19:49:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5016216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-16T19:03:02.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The point is after around fifty ( 50 ) complaints that provided increasingly damning evidence of XXXX XXXX 's repeated billing irregularities, haphazard <em>compliance</em> with <em>Regulation</em> Z, <em>FCRA</em>, and 12 CFR 1026, it is <em>clear</em> that <em>Experian</em> knows, OR SHOULD BY NOW KNOW, the information supplied by XXXX for my student loan accounts is inaccurate based upon a cursory review of the documentation."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.033619,"5016216"]},{"_index":"complaint-public-v1","_id":"11391086","_score":16.568604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian failure to conduct a proper investigation into disputed information on my consumer report remains true. Despite providing documentation to support my claim of identity theft and inaccuracies, Experian has repeatedly dismissed my disputes without meaningful investigation. Their reasoning, often citing that I \" should have known about these accounts, '' demonstrates a clear lack of due diligence and appears to be a stall tactic rather than a legitimate investigation. \n\nThis ongoing failure by Experian has caused significant financial stress and violates their obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency, Experian is legally required to ensure that the information they report is accurate, relevant, and free of errors. They are also obligated to conduct thorough and fair investigations into disputed accounts. Their inability to comply with these regulations is not only harmful to consumers like myself but also constitutes an abuse of their role within the financial system. \n\nI urge the CFPB to hold Experian accountable for their non-compliance and lack of transparency. As a consumer, I rely on the integrity of credit reporting agencies to provide accurate information and to resolve disputes in a manner consistent with federal laws. I request that the CFPB take appropriate action to ensure Experian fulfills its legal obligations and remedies the errors on my credit report.","date_sent_to_company":"2025-01-05T21:18:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85379","tags":null,"has_narrative":true,"complaint_id":"11391086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-05T21:12:26.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Their inability to comply with these <em>regulations</em> is not only harmful to consumers like myself but also constitutes an abuse of their role within the financial system. \n\nI urge the CFPB to hold <em>Experian</em> accountable for their non-<em>compliance</em> and lack of transparency. As a consumer, I rely on the integrity of credit reporting agencies to provide accurate information and to resolve disputes in a manner consistent with federal laws."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.568604,"11391086"]},{"_index":"complaint-public-v1","_id":"12323387","_score":16.526268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter serves as a formal dispute regarding multiple inaccuracies on my credit report. Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are well aware, Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. I expect full compliance with federal regulations in handling my dispute. \n\nBelow are the accounts in question : XXXX XXXXXXXX XXXX  : Account No : XXXX A charge-off account with an active balance? This is a blatant reporting error. It is concerning that Experian continues to report inaccurate information on my credit file. I demand the immediate deletion of this account due to its inaccuracy. \nXXXX XXXX XXXX XXXX : Account No : XXXX This account is reported as a charge-off, yet a balance remains. This contradicts standard reporting guidelines and is a clear violation of the FCRA. Additionally, there is a past due balance reported on an already charged-off account, which is another reporting violation. I demand a full reinvestigation and the immediate removal of this inaccurate account from my credit report. \nPlease be advised that I am keeping detailed records of all correspondence and actions taken regarding this matter. Should Experian fail to comply with its legal obligations under the FCRA and fail to correct these inaccuracies within the legally required timeframe, I will have no choice but to escalate this matter, including but not limited to filing a formal complaint with the CFPB and pursuing legal action. \nI trust that Experian will take this matter seriously and conduct a thorough and lawful reinvestigation of these disputes. I expect a prompt and satisfactory resolution.","date_sent_to_company":"2025-03-05T22:11:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63130","tags":null,"has_narrative":true,"complaint_id":"12323387","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-05T21:51:25.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite my previous disputes, these errors remain unresolved, which is not only unacceptable but also a <em>clear</em> violation of the Fair Credit Reporting Act ( <em>FCRA</em> ). As you are well aware, <em>Experian</em> has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. I expect full <em>compliance</em> with federal <em>regulations</em> in handling my dispute."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.526268,"12323387"]},{"_index":"complaint-public-v1","_id":"9410651","_score":16.461945,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Request for Deletion of Inaccurate Charge-Off Account by Experian Dear XXXX, I am writing to formally dispute the inaccurate reporting of a XXXX XXXX charge-off account on my credit report by Experian. This dispute is based on my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and the Code of Federal Regulations, 12 CFR 1006.34 ( b ) ( 5 ). \n\nDetails of Disputed Account : Creditor : XXXX XXXX Account Number : XXXX Type of Account : Charge-Off Violation of 12 CFR 1006.34 ( b ) ( 5 ) : According to 12 CFR 1006.34 ( b ) ( 5 ), debt collectors are required to provide : 1.Accurate and complete information about the debt, including the amount owed and the name of the creditor.\n\n2.Clear and verifiable evidence substantiating the debt. \nExperian has failed to comply with these requirements by verifying the XXXX XXXX charge-off account without providing the necessary evidence to substantiate its accuracy and completeness. This non-compliance with federal regulations undermines the integrity of my credit report. \n\nDispute of Payment History Code : I am disputing the payment history code associated with this account, not the account status. While the account was indeed charged off, this was not the last payment status. The last payment status should have been \" Closed '' ( XXXX ), followed by ND ( No Data ) or NR ( Not Reported ). According to standard reporting practices, no information should be reported on a closed account with no activity. \n\nRequirements under the Fair Credit Reporting Act : Under 15 USC 1681i ( a ) ( 1 ) ( A ), the FCRA mandates that credit reporting agencies must : Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. \nDelete the information if it can not be verified. \n\nPersonal Impact of Inaccurate Reporting : The continued presence of this erroneous account, with an incorrect payment history code, has significantly impacted my creditworthiness. Due to this inaccurate reporting, I have faced denial of credit, higher interest rates, and overall damage to my financial reputation. This has caused undue stress and hardship, further underscoring the necessity for immediate correction.\n\nRequest for Immediate Action : Given the clear violation of federal regulations and the significant personal impact, I am requesting the immediate removal of the inaccurate XXXX XXXX charge-off account from my credit report within XXXX business days. \n\nPotential Consequences for Non-Compliance : Non-compliance with the FCRA and 12 CFR 1006.34 ( b ) ( XXXX ) can result in enforcement actions and penalties. I am prepared to escalate this matter to ensure that my rights are protected and that Experian adheres to the legal standards required. \n\nI urge the Consumer Financial Protection Bureau to take prompt action to investigate this matter and ensure Experian 's compliance with the FCRA and 12 CFR 1006.34 ( b ) ( 5 ). The failure to provide proper validation and correct the payment history code necessitates immediate corrective measures to prevent further damage to my credit profile. \n\nThank you for your prompt attention to this serious matter. I look forward to your swift action and confirmation of the removal of this erroneous account from my credit report. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-07-03T01:34:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"9410651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-03T01:20:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Request for Immediate Action : Given the <em>clear</em> violation of federal <em>regulations</em> and the significant personal impact, I am requesting the immediate removal of the inaccurate XXXX XXXX charge-off account from my credit report within XXXX business days. \n\nPotential Consequences for Non-<em>Compliance</em> : Non-<em>compliance</em> with the <em>FCRA</em> and 12 CFR 1006.34 ( b ) ( XXXX ) can result in enforcement actions and penalties."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.461945,"9410651"]},{"_index":"complaint-public-v1","_id":"11878979","_score":16.460957,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here is a copy of the issue, outlined in a letter provided to Experian as with the initial complaint, Experian chose to reopen the dispute after the legally designated time from, neglecting to provide the method of investigation and sources investigated as requested in the initial complaint and required by law. \n\nSubject : Unauthorized Dispute Investigation & Non-Compliance with FCRA Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, Experian Dispute Resolution Team ; I am writing to formally address Experians unauthorized reopening of a dispute that was already finalized on XX/XX/year>. Your own prior correspondence confirms this closure, yet you have now taken the liberty to reinitiate an investigation without my authorization and beyond the legally mandated timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ).\n\nViolation of Investigation Timeframe & Due Process The FCRA mandates that disputes be resolved within 30 days ( or 45 days if supporting documentation is requested from the consumer ). \n\nIn this case, you did not request any supporting documentation from me, and the dispute was closed on XX/XX/XXXX, XXXX beyond the permissible period for Experian to reinvestigate.\n\nYour unauthorized actions constitute non-compliance with FCRA regulations and infringe upon my rights as a consumer.\n\nImmediate Actions Required 1. Cease & Close Unauthorized Investigation This dispute was not initiated or authorized by me, and your continued investigation is improper and unlawful.\n\n2. Permanently Remove Disputed Items The disputed items included in my CFPB complaint must be permanently removed, as XXXX failure to investigate properly within the legal time frame invalidates the prior reporting.\n\n3. Provide Required Investigation Details My CFPB complaint specifically requested XXXX method of investigation, sources used, and validation of compliance. You previously refused to provide this legally required information. Reopening the dispute post-closure in an attempt to rectify past failures is both a bad faith practice and a direct violation of consumer protection laws.\n\nLegal and Regulatory Compliance Failure Experians unauthorized actions reflect a failure to uphold the integrity of the credit reporting process and demonstrate a clear attempt to circumvent accountability. Further, any attempt to retroactively amend or cover investigative deficiencies beyond the lawful timeframe will be construed as willful noncompliance.\n\nThis documented record substantiates a settlement demand for damages, as Experian continues to engage in unfair and deceptive practices that violate the FCRA, the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ), and due process rights afforded to consumers.\n\nPlease provide written confirmation that : 1. The unauthorized investigation has been immediately closed.\n\n2. The disputed items have been permanently removed in accordance with FCRA compliance. \n\n\nXXXX. A formal record of XXXX compliance failures will be documented and corrected per procedural standards.\n\nFailure to address this matter properly may result in additional regulatory complaints and legal action. Please confirm compliance with the above requests at your earliest convenience. \n\nSincerely, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-31T07:11:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"618XX","tags":null,"has_narrative":true,"complaint_id":"11878979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T06:55:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Dispute Investigation & Non-<em>Compliance</em> with <em>FCRA</em> Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, <em>Experian</em> Dispute Resolution Team ; I am writing to formally address <em>Experians</em> unauthorized reopening of a dispute that was already finalized on XX/XX/year>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.460957,"11878979"]},{"_index":"complaint-public-v1","_id":"13492233","_score":16.357826,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Failure to Delete Improperly Reported Child Support Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian for failing to remove an improperly reported child support judgment from my credit report.\n\nCreditor Name : Texas Office of Attorney General Child Support Division Account Number : XXXX Credit Bureau XXXX : Experian, Equifax, Transunion According to 15 U.S.C. 1681b ( b ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), child support judgments are not credit transactions and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement.\n\nI first contacted Experian, Equifax, and Transunion and Texas Office of Attorney General Child Support Division on XX/XX/2025 and XX/XX/2025 and formally requested deletion of the account. They have failed to comply within the required timeframe or provide valid justification for reporting this account. This is a clear violation of federal law and is negatively impacting my credit profile. \n\nResolution Sought Immediate deletion of this account from my credit report.\n\nWritten confirmation of its removal. \nA formal investigation into Experians noncompliance with FCRA regulations.\n\nPlease take swift action to enforce compliance. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T21:07:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"13492233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-13T21:07:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A formal investigation into <em>Experians</em> noncompliance with <em>FCRA</em> <em>regulations</em>.\n\nPlease take swift action to enforce <em>compliance</em>. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.357826,"13492233"]},{"_index":"complaint-public-v1","_id":"13479542","_score":16.357826,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Failure to Delete Improperly Reported Child Support Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian for failing to remove an improperly reported child support judgment from my credit report.\n\nCreditor Name : Texas Office of Attorney General Child Support Division Account Number : XXXX Credit Bureau XXXX : Experian, Equifax, Transunion According to 15 U.S.C. 1681b ( b ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), child support judgments are not credit transactions and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement.\n\nI first contacted Experian, Equifax, and Transunion and Texas Office of Attorney General Child Support Division on XX/XX/2025 and XX/XX/2025 and formally requested deletion of the account. They have failed to comply within the required timeframe or provide valid justification for reporting this account. This is a clear violation of federal law and is negatively impacting my credit profile. \n\nResolution Sought Immediate deletion of this account from my credit report.\n\nWritten confirmation of its removal. \nA formal investigation into Experians noncompliance with FCRA regulations.\n\nPlease take swift action to enforce compliance. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T21:07:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"13479542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-13T20:49:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A formal investigation into <em>Experians</em> noncompliance with <em>FCRA</em> <em>regulations</em>.\n\nPlease take swift action to enforce <em>compliance</em>. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX"]},"sort":[16.357826,"13479542"]},{"_index":"complaint-public-v1","_id":"13492231","_score":16.355888,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Failure to Delete Improperly Reported Child Support Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian for failing to remove an improperly reported child support judgment from my credit report.\n\nCreditor Name : Texas Office of Attorney General Child Support Division Account Number : XXXX Credit Bureau XXXX : Experian, Equifax, Transunion According to 15 U.S.C. 1681b ( b ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), child support judgments are not credit transactions and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement.\n\nI first contacted Experian, Equifax, and Transunion and Texas Office of Attorney General Child Support Division on XX/XX/2025 and XX/XX/2025 and formally requested deletion of the account. They have failed to comply within the required timeframe or provide valid justification for reporting this account. This is a clear violation of federal law and is negatively impacting my credit profile. \n\nResolution Sought Immediate deletion of this account from my credit report.\n\nWritten confirmation of its removal. \nA formal investigation into Experians noncompliance with FCRA regulations.\n\nPlease take swift action to enforce compliance. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX","date_sent_to_company":"2025-05-13T21:07:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79938","tags":null,"has_narrative":true,"complaint_id":"13492231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-13T21:07:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["A formal investigation into <em>Experians</em> noncompliance with <em>FCRA</em> <em>regulations</em>.\n\nPlease take swift action to enforce <em>compliance</em>. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX"]},"sort":[16.355888,"13492231"]},{"_index":"complaint-public-v1","_id":"9817378","_score":16.252327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Complaint Against Experian for Violations of FCRA and Privacy Act of 1974** Dear CFPB, I am writing to formally file a pre-arbitration complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. Experian has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. \n\nMoreover, Experian has shared my transaction history with affiliated companies, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account in violation of both the FCRA and the Privacy Act of 1974. \n\nI request that Experian update my credit report to reflect all transaction histories as zero and ensure that all accounts are reported as current. Experian has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings. \n\nThese actions by Experian represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-15T14:20:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46234","tags":null,"has_narrative":true,"complaint_id":"9817378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-15T14:20:55.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These actions by <em>Experian</em> represent a <em>clear</em> violation of the <em>FCRA</em> and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure <em>compliance</em> with the legal standards set forth in these <em>regulations</em>. \n\nThank you for your prompt attention to this matter."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.252327,"9817378"]},{"_index":"complaint-public-v1","_id":"9817346","_score":16.21374,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Complaint Against Experian for Violations of FCRA and Privacy Act of 1974** Dear CFPB, I am writing to formally file a pre-arbitration complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. Experian has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. \n\nMoreover, Experian has shared my transaction history with affiliated companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account in violation of both the FCRA and the Privacy Act of 1974. \n\nI request that Experian update my credit report to reflect all transaction histories as zero and ensure that all accounts are reported as current. Experian has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings. \n\nThese actions by Experian represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-15T14:20:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46234","tags":null,"has_narrative":true,"complaint_id":"9817346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-15T14:08:32.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These actions by <em>Experian</em> represent a <em>clear</em> violation of the <em>FCRA</em> and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure <em>compliance</em> with the legal standards set forth in these <em>regulations</em>. \n\nThank you for your prompt attention to this matter."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.21374,"9817346"]},{"_index":"complaint-public-v1","_id":"9817379","_score":16.211174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Complaint Against Experian for Violations of FCRA and Privacy Act of 1974** Dear CFPB, I am writing to formally file a pre-arbitration complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. Experian has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. \n\nMoreover, Experian has shared my transaction history with affiliated companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account in violation of both the FCRA and the Privacy Act of 1974. \n\nI request that Experian update my credit report to reflect all transaction histories as zero and ensure that all accounts are reported as current. Experian has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings.\n\nThese actions by Experian represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-15T14:20:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46234","tags":null,"has_narrative":true,"complaint_id":"9817379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-15T14:20:55.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["These actions by <em>Experian</em> represent a <em>clear</em> violation of the <em>FCRA</em> and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure <em>compliance</em> with the legal standards set forth in these <em>regulations</em>. \n\nThank you for your prompt attention to this matter."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.211174,"9817379"]},{"_index":"complaint-public-v1","_id":"13264038","_score":16.177929,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law. \nFurthermore, I am aware that Equifax, Experian, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} XXXX for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. \nI also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. \nI am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-04-30T22:51:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"13264038","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-30T22:51:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am writing to make it absolutely <em>clear</em> that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 U.S.C. 1681, and I expect my dispute to be handled in full <em>compliance</em> with federal law. \nFurthermore, I am aware that Equifax, <em>Experian</em>, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes."]},"sort":[16.177929,"13264038"]},{"_index":"complaint-public-v1","_id":"13258825","_score":16.177929,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law. \nFurthermore, I am aware that Equifax, Experian, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} XXXX for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. \nI also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. \nI am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-04-30T22:51:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"13258825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-30T22:41:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am writing to make it absolutely <em>clear</em> that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 U.S.C. 1681, and I expect my dispute to be handled in full <em>compliance</em> with federal law. \nFurthermore, I am aware that Equifax, <em>Experian</em>, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.177929,"13258825"]},{"_index":"complaint-public-v1","_id":"13260675","_score":16.17176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law. \nFurthermore, I am aware that Equifax, Experian, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} XXXX for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. \nI also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. \nI am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-04-30T22:51:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"13260675","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-30T22:51:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am writing to make it absolutely <em>clear</em> that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 U.S.C. 1681, and I expect my dispute to be handled in full <em>compliance</em> with federal law. \nFurthermore, I am aware that Equifax, <em>Experian</em>, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes."]},"sort":[16.17176,"13260675"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":865,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":865}]}},"product":{"doc_count":865,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":766,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":763},{"key":"Other personal consumer 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