{"took":105,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2922,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6441205","_score":16.670986,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2023-03-06T20:51:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35601","tags":"Servicemember","has_narrative":true,"complaint_id":"6441205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-15T19:49:58.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Permissible Purposes for Furnishing, Using, and Obtaining <em>Consumer</em> <em>Reports</em> The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.670986,"6441205"]},{"_index":"complaint-public-v1","_id":"8235858","_score":16.545294,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. \nI did not authorize the inquiry from AMEX and I do not recognize this transaction as authorized by me, the consumer which this inquiry is reporting on. Please remove this inquiry from my consumer file. \nFailure to comply with the Fair Credit Reporting Act ( FCRA ) is a clear violation of my rights.","date_sent_to_company":"2024-01-27T22:36:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95337","tags":null,"has_narrative":true,"complaint_id":"8235858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-27T22:21:25.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[16.545294,"8235858"]},{"_index":"complaint-public-v1","_id":"16001715","_score":16.212067,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. \n\nIn conclusion, i have no knowledge of these listed inquiries, I have no established credit/business/contracts with the companies listed in my personal statement of the FTC report and I have not given those individual companies or the Credit Reporting Agencies, the inquiries do not belong to me and as are undeliverable by mail so they shouldn't be listed on my CRA report","date_sent_to_company":"2025-09-17T14:43:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"16001715","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-17T14:43:16.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Permissible Purposes for Furnishing, Using, and Obtaining <em>Consumer</em> <em>Reports</em> The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[16.212067,"16001715"]},{"_index":"complaint-public-v1","_id":"16004172","_score":16.185465,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. \n\nIn conclusion, i have no knowledge of these listed inquiries, I have no established credit/business/contracts with the companies listed in my personal statement of the FTC report and I have not given those individual companies or the Credit Reporting Agencies, the inquiries do not belong to me and as are undeliverable by mail so they shouldn't be listed on my CRA report","date_sent_to_company":"2025-09-17T14:43:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"16004172","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-17T14:19:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Permissible Purposes for Furnishing, Using, and Obtaining <em>Consumer</em> <em>Reports</em> The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[16.185465,"16004172"]},{"_index":"complaint-public-v1","_id":"16001716","_score":16.18343,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. \n\nIn conclusion, i have no knowledge of these listed inquiries, I have no established credit/business/contracts with the companies listed in my personal statement of the FTC report and I have not given those individual companies or the Credit Reporting Agencies, the inquiries do not belong to me and as are undeliverable by mail so they shouldn't be listed on my CRA report","date_sent_to_company":"2025-09-17T14:43:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"16001716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-17T14:43:16.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Permissible Purposes for Furnishing, Using, and Obtaining <em>Consumer</em> <em>Reports</em> The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[16.18343,"16001716"]},{"_index":"complaint-public-v1","_id":"1946297","_score":16.143232,"_source":{"product":"Credit reporting","complaint_what_happened":"XXXX obtained a copy of my credit report on a debt that had been paid. I called Experian and asked why they were able to obtain my credit report when no permissible purpose was granted and they have no permissible purpose. \n\" FCRA 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe \" FCRA 607. Compliance procedures [ 15 U.S.C. 1681e ] Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec-tion 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. '' ( A ) intends to use the information in connection with a credit trans-action involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; '' The FCRA does NOT limit a consumer to {$1000.00} per violation. That limit is for statutory damages under the FDCPA, not for civil liability under the FCRA. \nCivil action under the FCRA is covered under FCRA 616 for Willful Noncompliance, and FCRA 617 for Negligent Noncompliance. \nFCRA 619 provides that \" any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. ''","date_sent_to_company":"2016-05-29T20:03:38.000Z","issue":"Improper use of my credit report","sub_product":null,"zip_code":"48174","tags":null,"has_narrative":true,"complaint_id":"1946297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-05-29T20:03:37.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report improperly shared by CRC"},"highlight":{"complaint_what_happened":["That limit is for statutory damages <em>under</em> the FDCPA, not for civil liability <em>under</em> the <em>FCRA</em>. \nCivil action <em>under</em> the <em>FCRA</em> is covered <em>under</em> <em>FCRA</em> 616 for Willful Noncompliance, and <em>FCRA</em> 617 for Negligent Noncompliance. \n<em>FCRA</em> 619 provides that \" any person who knowingly and willfully obtains information on a <em>consumer</em> from a <em>consumer</em> <em>reporting</em> agency <em>under</em> false pretenses shall be fined <em>under</em> title 18, United States Code, imprisoned for not more than 2 years, or both. ''"],"issue":["Improper use of my credit <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Report</em> improperly shared by CRC"]},"sort":[16.143232,"1946297"]},{"_index":"complaint-public-v1","_id":"7454008","_score":15.999293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"PLEASE ADVISE THE UPDATED XXXX XXXX Part XXXX SUMMARY : The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. How did you verify these accounts? Insufficient matching procedures can lead to entities providing reports to companies without a permissible purpose.","date_sent_to_company":"2023-08-25T14:41:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"7454008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-08-25T14:00:46.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PLEASE ADVISE THE UPDATED XXXX XXXX Part XXXX SUMMARY : The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.999293,"7454008"]},{"_index":"complaint-public-v1","_id":"1401687","_score":15.828089,"_source":{"product":"Credit reporting","complaint_what_happened":"Trans Union is reporting an adverse closed account under my credit file as an \" Authorized User '' '. Under FCRA USC 603, the consumer obtaining credit is responsible and authorized users are not responsible parties. Under federal law, I have the right to have Trans Union delete the XXXX XXXX XXXX account listed on my account as an \" Authorized User '' since I am only an authorized user and not the consumer that obtained credit. Under federal law, Trans Union is hereby notified to DELETE the XXXX XXXX XXXX \" Authorized User '' account from my credit file immediately upon receiving this notice otherwise they will be in defiance of federal law and full FCRA penalties and litigation restitution shall take place. Under FCRA 603, only consumer obtaining credit is liable. Authorized users are not liable and must be deleted immediately from credit bureau since the FCRA 603 also states reporting can only be made on the consumer obtaining credit. Trans Union is hereby notified of the federal law and must delete immediately the trade line otherwise face penalties and restitution allowed by law. \n\nAccording to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ). Here 's the exact text to which I refer : FCRA Section 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( what credit lines can be reported ). \nXXXX Firm offer of credit or insurance. The term \" firm offer of credit or insurance '' means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on XXXX or more of the following : The consumer being determined, based on information in the consumer 's application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. \nXXXX Verification : ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer 's application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer ; or ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. \nXXXX The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was : ( A ) established before selection of the consumer for the offer of credit or insurance ; and ( B ) disclosed to the consumer in the offer of credit or insurance.","date_sent_to_company":"2015-06-04T17:25:17.000Z","issue":"Improper use of my credit report","sub_product":null,"zip_code":"64836","tags":null,"has_narrative":true,"complaint_id":"1401687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-06-02T23:48:15.000Z","state":"MO","company_public_response":"Company chooses not to provide a public response","sub_issue":"Report improperly shared by CRC"},"highlight":{"complaint_what_happened":["Trans Union is <em>reporting</em> an adverse closed account <em>under</em> my credit file as an \" Authorized <em>User</em> '' '. <em>Under</em> <em>FCRA</em> USC 603, the <em>consumer</em> obtaining credit is responsible and authorized <em>users</em> are not responsible parties. <em>Under</em> federal law, I have the right to have Trans Union delete the XXXX XXXX XXXX account listed on my account as an \" Authorized <em>User</em> '' since I am only an authorized <em>user</em> and not the <em>consumer</em> that obtained credit."],"issue":["Improper use of my credit <em>report</em>"],"sub_issue":["<em>Report</em> improperly shared by CRC"]},"sort":[15.828089,"1401687"]},{"_index":"complaint-public-v1","_id":"6142596","_score":15.533483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request.","date_sent_to_company":"2022-10-30T23:48:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60099","tags":null,"has_narrative":true,"complaint_id":"6142596","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-30T23:26:34.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[15.533483,"6142596"]},{"_index":"complaint-public-v1","_id":"6142660","_score":15.526893,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have unauthorized inquiries on my credit report. This fraudulent inaccurate information has caused me losses and also a defamation of character. The following companies have used my transunion credit report for unauthorized purposes XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX ( XX/XX/2022 ). XXXX XXXX ( XXXX XXXX )XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ). My FCRA rights have been violated. The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request.","date_sent_to_company":"2022-10-30T23:49:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60099","tags":null,"has_narrative":true,"complaint_id":"6142660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-30T23:49:00.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>Consumer</em> Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of <em>consumer</em> <em>reporting</em> agencies and <em>consumer</em> <em>report</em> <em>users</em> <em>under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> )."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[15.526893,"6142660"]},{"_index":"complaint-public-v1","_id":"8563593","_score":15.44767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I spoke with Equifax fraud dept on several occasions also provided FTC and Police report I was told all time that these fraudulent inquires would be deleted from my consumer report but yet they are still being furnished. This is my 3rd complaint via CFPB to Equifax regarding these inquiries DELETE THESE FRAUDULENT INQUIRIES. This is the confirmation code I was given from a previous dispute confirmation # XXXX stating these inquires would be deleted. I Also received CFPB complaint back on XX/XX/XXXX that the inquires would be deleted and its still being furnished on my credit file. \nXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2024-03-17T08:44:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70517","tags":null,"has_narrative":true,"complaint_id":"8563593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-17T08:27:01.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX <em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[15.44767,"8563593"]},{"_index":"complaint-public-v1","_id":"15194355","_score":15.361731,"_source":{"product":"Debt collection","complaint_what_happened":"CAPITAL ONE Authorized User Account Removal ( Closed, never late reporting harms utilization/AAoA and is inaccurate under FCRA 602A , 605B ) Subject : Formal CFPB Complaint Unauthorized/Incorrect Reporting of Authorized User Account To Whom It XXXX Concern, I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of the Capital One account # XXXX on my credit reports. \nThis account is an authorized user account, not my direct responsibility. \nPer FCRA 602A and 605B, consumer reporting agencies must ensure maximum possible accuracy and remove unverifiable or misleading data. \nThe continued inclusion of this account negatively impacts my credit profile despite my lack of contractual obligation. \nUnder FCRA 609 ( a ), furnishers are required to provide proof of responsibility for the debt. As an authorized user, there is no such proof because I am not legally obligated for payment.\n\nDemand : Immediate removal of this account from all credit bureau reports to reflect accurate and fair reporting.","date_sent_to_company":"2025-08-10T19:47:04.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"10467","tags":null,"has_narrative":true,"complaint_id":"15194355","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-10T19:25:11.000Z","state":"NY","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["CAPITAL ONE Authorized <em>User</em> Account Removal ( Closed, never late <em>reporting</em> harms utilization/AAoA and is inaccurate <em>under</em> <em>FCRA</em> 602A , 605B ) Subject : Formal CFPB Complaint Unauthorized/Incorrect <em>Reporting</em> of Authorized <em>User</em> Account To Whom It XXXX Concern, I am filing a complaint <em>under</em> the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) regarding the inaccurate <em>reporting</em> of the Capital One account # XXXX on my credit <em>reports</em>. \nThis account is an authorized <em>user</em> account, not my direct responsibility."]},"sort":[15.361731,"15194355"]},{"_index":"complaint-public-v1","_id":"10388892","_score":15.348342,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. A 15 U.S.C. 1681 letter without a name refers to a specific type of correspondence used in the context of consumer protection laws in the United States. Under the Fair Credit Reporting Act ( FCRA ), which is codified in Title 15 of the U.S. Code ( U.S.C. ), individuals have the right to request and dispute information contained in their credit reports.","date_sent_to_company":"2024-10-08T16:31:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"10388892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Global Lending Services LLC","date_received":"2024-10-08T16:04:07.000Z","state":"DC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) ,15 U.S.C. 1681-1681y, requires that this notice be provided to inform <em>users</em> of <em>consumer</em> <em>reports</em> of their legal obligations. The first section of this summary sets forth the responsibilities imposed by the <em>FCRA</em> on all <em>users</em> of <em>consumer</em> <em>reports</em>. The subsequent sections discuss the duties of <em>users</em> of <em>reports</em> that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[15.348342,"10388892"]},{"_index":"complaint-public-v1","_id":"1390532","_score":15.210195,"_source":{"product":"Credit reporting","complaint_what_happened":"I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. \n\nAccording to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).","date_sent_to_company":"2015-05-26T11:09:22.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"78572","tags":null,"has_narrative":true,"complaint_id":"1390532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-05-25T21:41:03.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I noticed that a credit card company <em>reported</em> my account on my credit <em>report</em>, even though I am only an authorized <em>user</em>. This is a violation of the <em>FCRA</em> and I respectfully request that you remove this listing immediately. \n\nAccording to section 603 of the <em>FCRA</em>, only information on credit issued to a <em>consumer</em> is allowed. If you are an authorized <em>user</em>, you do not fall <em>under</em> these categories, you are not responsible for the debt and did not receive credit."],"issue":["Incorrect information on credit <em>report</em>"]},"sort":[15.210195,"1390532"]},{"_index":"complaint-public-v1","_id":"1390533","_score":15.203343,"_source":{"product":"Credit reporting","complaint_what_happened":"I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. \n\nAccording to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).","date_sent_to_company":"2015-05-26T11:09:22.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"78572","tags":null,"has_narrative":true,"complaint_id":"1390533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-05-25T21:45:29.000Z","state":"TX","company_public_response":"Company chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I noticed that a credit card company <em>reported</em> my account on my credit <em>report</em>, even though I am only an authorized <em>user</em>. This is a violation of the <em>FCRA</em> and I respectfully request that you remove this listing immediately. \n\nAccording to section 603 of the <em>FCRA</em>, only information on credit issued to a <em>consumer</em> is allowed. If you are an authorized <em>user</em>, you do not fall <em>under</em> these categories, you are not responsible for the debt and did not receive credit."],"issue":["Incorrect information on credit <em>report</em>"]},"sort":[15.203343,"1390533"]},{"_index":"complaint-public-v1","_id":"1390534","_score":15.193206,"_source":{"product":"Credit reporting","complaint_what_happened":"I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. \n\nAccording to section XXXX of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).","date_sent_to_company":"2015-05-26T11:09:22.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"78572","tags":null,"has_narrative":true,"complaint_id":"1390534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-05-25T21:52:51.000Z","state":"TX","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I noticed that a credit card company <em>reported</em> my account on my credit <em>report</em>, even though I am only an authorized <em>user</em>. This is a violation of the <em>FCRA</em> and I respectfully request that you remove this listing immediately. \n\nAccording to section XXXX of the <em>FCRA</em>, only information on credit issued to a <em>consumer</em> is allowed. If you are an authorized <em>user</em>, you do not fall <em>under</em> these categories, you are not responsible for the debt and did not receive credit."],"issue":["Incorrect information on credit <em>report</em>"]},"sort":[15.193206,"1390534"]},{"_index":"complaint-public-v1","_id":"7951981","_score":15.189252,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2023 I mailed a certified letter to Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX asking to remove this inaccurate Bankruptcy information that's reporting on my consumer credit report. They have yet to respond or delete this from my credit report! No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. Consumer Reports Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining BureauofConsumerFin.Prot., FairCreditReporting ; XXXX ( XXXX ) A consumer reporting company XXXX not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) unless it has reason to believe that the user has a permissible purpose with respect to the consumer about whom the report is requested. \nA users request to a consumer reporting company for a report about a consumer does not give the consumer reporting company a reason to believe that the user has a permissible purpose to obtain a consumer report about other consumers. \nFCRA section 15 USC 1681b ( f ) prohibits a person from using or obtaining a consumer report unless... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under 15 USC 1681b and the purpose is certified in accordance with 15 USC 1681e by a prospective user of the report through a general or specific certification.","date_sent_to_company":"2023-12-06T03:58:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"7951981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-06T03:07:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>Consumer</em> <em>Reports</em> Fair Credit <em>Reporting</em> ; Permissible Purposes for Furnishing, Using, and Obtaining Bureauof<em>Consumer</em>Fin.Prot., FairCredit<em>Reporting</em> ; XXXX ( XXXX ) A <em>consumer</em> <em>reporting</em> company XXXX not provide a <em>consumer</em> <em>report</em> <em>under</em> <em>FCRA</em> section 15 USC 1681b ( a ) ( 3 ) unless it has reason to believe that the <em>user</em> has a permissible purpose with respect to the <em>consumer</em> about whom the <em>report</em> is requested."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.189252,"7951981"]},{"_index":"complaint-public-v1","_id":"8229851","_score":14.996586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2024-01-26T08:28:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70501","tags":null,"has_narrative":true,"complaint_id":"8229851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-26T08:28:17.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.996586,"8229851"]},{"_index":"complaint-public-v1","_id":"7941312","_score":14.996586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2023-12-03T02:42:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70501","tags":null,"has_narrative":true,"complaint_id":"7941312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-03T02:36:02.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.996586,"7941312"]},{"_index":"complaint-public-v1","_id":"7941320","_score":14.984419,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2023-12-03T02:42:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70501","tags":null,"has_narrative":true,"complaint_id":"7941320","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-03T02:42:35.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.984419,"7941320"]},{"_index":"complaint-public-v1","_id":"7941319","_score":14.984419,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2023-12-03T02:42:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70501","tags":null,"has_narrative":true,"complaint_id":"7941319","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-03T02:42:35.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.984419,"7941319"]},{"_index":"complaint-public-v1","_id":"8229852","_score":14.966573,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2024-01-26T08:28:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70501","tags":null,"has_narrative":true,"complaint_id":"8229852","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-26T08:28:17.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.966573,"8229852"]},{"_index":"complaint-public-v1","_id":"8229844","_score":14.966573,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2024-01-26T08:28:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70501","tags":null,"has_narrative":true,"complaint_id":"8229844","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-26T08:21:02.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.966573,"8229844"]},{"_index":"complaint-public-v1","_id":"8201017","_score":14.755089,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2024-01-22T10:04:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70570","tags":null,"has_narrative":true,"complaint_id":"8201017","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-22T10:04:37.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are <em>consumer</em> specific, and it affirms that a <em>consumer</em> <em>reporting</em> agency may not provide a <em>consumer</em> <em>report</em> to a <em>user</em> <em>under</em> <em>FCRA</em> section 604 ( a ) ( 3 ) unless it has reason to believe that all of the <em>consumer</em> <em>report</em> information it includes pertains to the <em>consumer</em> who is the subject of the <em>users</em> request."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.755089,"8201017"]},{"_index":"complaint-public-v1","_id":"8201732","_score":14.7501955,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.","date_sent_to_company":"2024-01-22T10:04:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"70570","tags":null,"has_narrative":true,"complaint_id":"8201732","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-22T09:54:09.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Under</em> section 604 of the Fair Credit <em>Reporting</em> Act ( <em>FCRA</em> ) explains that the permissible purposes listed in <em>FCRA</em> section 604 ( a ) ( 3 ) are 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