{"took":1889,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":588,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8063713","_score":28.607515,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted XXXX, XXXX, and XXXX regarding the inaccurate reporting of this public record. I was informed by the Consumer Reporting Agencies that this information was furnished from LexisNexis Risk Solutions. The public record is not accurate and I am asking that LexisNexis Risk Solutions Please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the file you maintain under my Social Security number.","date_sent_to_company":"2023-12-27T18:45:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89139","tags":null,"has_narrative":true,"complaint_id":"8063713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-12-27T18:35:28.000Z","state":"NV","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The <em>public</em> <em>record</em> is not accurate and I am asking that LexisNexis Risk Solutions Please verify and validate this information with the court and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this <em>account</em> granting them authorization to report this information, <em>bearing</em> my signature. In the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this information be immediately deleted from the file you maintain under my Social Security number."],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[28.607515,"8063713"]},{"_index":"complaint-public-v1","_id":"2857385","_score":26.623623,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a disputed this with Experian XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, Verified. Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Iowa stating The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.","date_sent_to_company":"2018-03-28T16:26:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"525XX","tags":null,"has_narrative":true,"complaint_id":"2857385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-28T16:14:29.000Z","state":"IA","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":["I requested Experian Credit Bureau to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>accounts</em> and <em>Public</em> <em>Records</em> <em>accounts</em> <em>bearing</em> either a court order to place this information on my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[26.623623,"2857385"]},{"_index":"complaint-public-v1","_id":"2728231","_score":26.379484,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX/XXXX/17 sent in a request to VALIDATE AND remove bankruptcy and tax lien from public record on XXXX and TransUnion credit reports. Both credit bureaus confirmed that they verified information ; which is impossible due to the fact the County Recorder of Deeds, and U. S. Bankruptcy Court does NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. \nI have requested a VALIDATION NOT VERIFICATION. The XXXX system, the system they use ... ..is not in compliance with FCRA and therefore, I that my consumer rights are being violated. \n\nIn my letter to both XXXX and TransUnion, I requested copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I spoke to a representative named XXXX, she confirmed that no documentation has been received and that they do not verify that information ; which is what I was originally told was done. \n\nPlease see attached letters to both credit bureaus","date_sent_to_company":"2017-11-13T22:37:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44120","tags":null,"has_narrative":true,"complaint_id":"2728231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-11-13T22:37:23.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["In my letter to both XXXX and TransUnion, I requested <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. When I spoke to a representative named XXXX, she confirmed that no <em>documentation</em> has been received and that they do not verify that information ; which is what I was originally told was done. \n\nPlease see attached letters to both credit bureaus"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[26.379484,"2728231"]},{"_index":"complaint-public-v1","_id":"2838146","_score":26.012178,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian on XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. \n\nIn the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, \" Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature.\n\nI also, received a letter from U.S. Bankruptcy Court XXXX XXXX of Wisconsin stating \" The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act.\n\nExperian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.","date_sent_to_company":"2018-03-09T08:32:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89147","tags":null,"has_narrative":true,"complaint_id":"2838146","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-09T07:40:03.000Z","state":"NV","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":["I requested Experian Credit Bureau to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>accounts</em> and <em>Public</em> <em>Records</em> <em>accounts</em> <em>bearing</em> either a court order to place this information on my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[26.012178,"2838146"]},{"_index":"complaint-public-v1","_id":"2857622","_score":26.008219,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a copy of my credit report from Experian and XXXX XXXX and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian and XXXX XXXX on four different occasions requesting an investigation for state public record listed to my report. I requested Experian and XXXX XXXX Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, \" Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating \" The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian and XXXX XXXX is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.","date_sent_to_company":"2018-03-28T19:32:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2857622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-28T18:59:21.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I requested Experian and XXXX XXXX Credit Bureau to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>accounts</em> and <em>Public</em> <em>Records</em> <em>accounts</em> <em>bearing</em> either a court order to place this information on my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[26.008219,"2857622"]},{"_index":"complaint-public-v1","_id":"2872059","_score":26.00719,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, TRANSUNION, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.","date_sent_to_company":"2018-04-11T21:18:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77489","tags":null,"has_narrative":true,"complaint_id":"2872059","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-11T21:18:26.000Z","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":["Neither Credit Bureau have provided me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[26.00719,"2872059"]},{"_index":"complaint-public-v1","_id":"2872062","_score":25.98889,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed EXPERIAN, XXXX, XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.","date_sent_to_company":"2018-04-11T21:18:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77489","tags":null,"has_narrative":true,"complaint_id":"2872062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-04-11T20:54:57.000Z","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":["Neither Credit Bureau have provided me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.98889,"2872062"]},{"_index":"complaint-public-v1","_id":"2857623","_score":25.984097,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a copy of my credit report from XXXX and Trans Union and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to XXXX and Trans Union on four different occasions requesting an investigation for state public record listed to my report. I requested XXXX and Trans Union Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, \" Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating \" The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. XXXX  and Trans Union   is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.","date_sent_to_company":"2018-03-28T19:32:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2857623","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-28T19:32:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I requested XXXX and Trans Union Credit Bureau to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>accounts</em> and <em>Public</em> <em>Records</em> <em>accounts</em> <em>bearing</em> either a court order to place this information on my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[25.984097,"2857623"]},{"_index":"complaint-public-v1","_id":"2872063","_score":25.916172,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX, EQUIFAX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.","date_sent_to_company":"2018-04-11T21:18:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77489","tags":null,"has_narrative":true,"complaint_id":"2872063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-04-11T21:18:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Neither Credit Bureau have provided me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature."],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.916172,"2872063"]},{"_index":"complaint-public-v1","_id":"2963572","_score":25.692392,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, Experian and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.\n\nI have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.","date_sent_to_company":"2018-07-15T23:19:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77035","tags":null,"has_narrative":true,"complaint_id":"2963572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-07-15T23:19:16.000Z","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":["XXXX, Experian and XXXX are failing to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[25.692392,"2963572"]},{"_index":"complaint-public-v1","_id":"4745455","_score":25.683544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am XXXX XXXX. I am submitting this complaint for myself. I obtained my Experian Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Experian any written consent to report or furnish my Bankruptcy public records. A Consumer has a right to privacy. \n\nI wrote Experian and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. \n\nI also sent sent experian a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW","date_sent_to_company":"2021-09-22T18:29:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33142","tags":null,"has_narrative":true,"complaint_id":"4745455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-09-22T18:22:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I never gave Experian any written consent to report or furnish my Bankruptcy <em>public</em> <em>records</em>. A Consumer has a right to privacy. \n\nI wrote Experian and notified them of the law they were breaking under the FCRA in addition asked them to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[25.683544,"4745455"]},{"_index":"complaint-public-v1","_id":"4650795","_score":25.683544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I obtained my LexisNexis Consumer Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my report. I never gave LexisNexis any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.\n\nI wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer.\n\nI also sent LexisNexis a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW","date_sent_to_company":"2021-08-21T17:00:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33142","tags":null,"has_narrative":true,"complaint_id":"4650795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-08-21T16:52:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I never gave LexisNexis any written consent to report or furnish my Bankruptcy <em>public</em> <em>records</em>. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy.\n\nI wrote LexisNexis and notified them of the law they were breaking under the FCRA in addition asked them to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature."]},"sort":[25.683544,"4650795"]},{"_index":"complaint-public-v1","_id":"4648125","_score":25.683544,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I obtained my Transunion Credit Report and there was a Bankruptcy reporting from U. S. Bankruptcy Court listed on my credit report. I never gave Transunion any written consent to report or furnish my Bankruptcy public records. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy. \n\nI wrote Transunion and notified them of the law they were breaking under the FCRA in addition asked them to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They responded with updating my account and ignored my rights as Consumer. \n\nI also sent sent Transunion a letter from the bankrupt courts in which they mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW","date_sent_to_company":"2021-08-20T16:43:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33142","tags":null,"has_narrative":true,"complaint_id":"4648125","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-08-20T16:37:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I never gave Transunion any written consent to report or furnish my Bankruptcy <em>public</em> <em>records</em>. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy. \n\nI wrote Transunion and notified them of the law they were breaking under the FCRA in addition asked them to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[25.683544,"4648125"]},{"_index":"complaint-public-v1","_id":"2963571","_score":25.67572,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, XXXX and Equifax are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.\n\nI have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.","date_sent_to_company":"2018-07-15T23:19:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77035","tags":null,"has_narrative":true,"complaint_id":"2963571","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-07-15T23:19:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX, XXXX and Equifax are failing to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number."]},"sort":[25.67572,"2963571"]},{"_index":"complaint-public-v1","_id":"2963567","_score":25.597237,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion, XXXX and XXXX are failing to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number.\n\nI have advised all 3 credit bureaus Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.","date_sent_to_company":"2018-07-15T23:19:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77035","tags":null,"has_narrative":true,"complaint_id":"2963567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-07-15T23:12:17.000Z","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":["Transunion, XXXX and XXXX are failing to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature and also method of verification, who at the court ( persons name ) they verified the dispute with, the address, and telephone number."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[25.597237,"2963567"]},{"_index":"complaint-public-v1","_id":"8823525","_score":25.504463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. \n\nThe County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. \nPublic records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. \n\nMy inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that XXXX, transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nYou need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).\n\nPlease provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).","date_sent_to_company":"2024-04-21T14:50:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48326","tags":null,"has_narrative":true,"complaint_id":"8823525","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-21T14:50:18.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["You need to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" <em>Public</em> <em>Records</em> '' needs to be immediately deleted from the credit file you maintain under my name and social security number."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.504463,"8823525"]},{"_index":"complaint-public-v1","_id":"8823576","_score":25.493963,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''.\n\nThe County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. \nPublic records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.\n\nMy inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that XXXX, XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nYou need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).\n\nPlease provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).","date_sent_to_company":"2024-04-21T14:50:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48326","tags":null,"has_narrative":true,"complaint_id":"8823576","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-04-21T14:05:50.000Z","state":"MI","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["You need to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" <em>Public</em> <em>Records</em> '' needs to be immediately deleted from the credit file you maintain under my name and social security number."],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.493963,"8823576"]},{"_index":"complaint-public-v1","_id":"8823524","_score":25.4571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''.\n\nThe County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. \nPublic records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.\n\nMy inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that Equifax, XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nYou need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).\n\nPlease provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).","date_sent_to_company":"2024-04-21T14:50:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48326","tags":null,"has_narrative":true,"complaint_id":"8823524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-21T14:50:18.000Z","state":"MI","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["You need to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" <em>Public</em> <em>Records</em> '' needs to be immediately deleted from the credit file you maintain under my name and social security number."],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.4571,"8823524"]},{"_index":"complaint-public-v1","_id":"12308508","_score":25.298988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My inquiry to the County Recorders of Deeds and U.S. Bankruptcy Course confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor this distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. I need all tax lien and bankruptcy information currently showing my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nThe Equifax Credit Bureau needs to provide me with copies of all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted closely monitoring my credit file. Per the Federal Law you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).","date_sent_to_company":"2025-03-04T23:35:16.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"292XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12308508","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-04T23:24:45.000Z","state":"SC","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The Equifax Credit Bureau needs to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Records</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under <em>Public</em> <em>Records</em> needs to be immediately deleted closely monitoring my credit file."],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.298988,"12308508"]},{"_index":"complaint-public-v1","_id":"2408273","_score":25.26199,"_source":{"product":"Credit reporting","complaint_what_happened":"I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. \nPublic records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. \nIf Equifax can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.","date_sent_to_company":"2017-03-29T02:23:34.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"85142","tags":null,"has_narrative":true,"complaint_id":"2408273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-03-29T02:23:33.000Z","state":"AZ","company_public_response":null,"sub_issue":"Public record"},"highlight":{"complaint_what_happened":["The EQUIFAX Credit Bureau needs to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. \nIf Equifax can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately."],"sub_issue":["<em>Public</em> <em>record</em>"]},"sort":[25.26199,"2408273"]},{"_index":"complaint-public-v1","_id":"2407179","_score":25.26199,"_source":{"product":"Credit reporting","complaint_what_happened":"I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. \nPublic records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. \nIf XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.","date_sent_to_company":"2017-03-29T02:27:07.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"85142","tags":null,"has_narrative":true,"complaint_id":"2407179","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-03-29T02:27:06.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record"},"highlight":{"complaint_what_happened":["The XXXX Credit Bureau needs to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. \nIf XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em>"]},"sort":[25.26199,"2407179"]},{"_index":"complaint-public-v1","_id":"12308602","_score":25.251953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My inquiry to the County Recorders of Deeds and U.S. Bankruptcy Course confirmed XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor this distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. I need all tax lien and bankruptcy information currently showing my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nThe XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted closely monitoring my credit file. Per the Federal Law you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).","date_sent_to_company":"2025-03-04T23:42:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"292XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12308602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-03-04T23:39:08.000Z","state":"SC","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The XXXX Credit Bureau needs to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Records</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under <em>Public</em> <em>Records</em> needs to be immediately deleted closely monitoring my credit file."],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.251953,"12308602"]},{"_index":"complaint-public-v1","_id":"14042878","_score":25.235144,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year> my complaint with CFPB # XXXX against TransUnion, they sent responded to issue as verified from XXXX see XXXX credit report # XXXX document. This my third and final complaint before filing a legal case against TransUnion. I have enclosed a copy of my initial letter I sent to Courts on XX/XX/year> a copy of there reply dated XX/XX/year> also a letter sent to Trans Union on XX/XX/year> that show they was given the necessary information to DELETE this XXXX. If the courts are Stating that they do NOT provide any information to credit reporting agencies. They need to provide me with copies of all documentation associated with these public records accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.","date_sent_to_company":"2025-06-12T07:17:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19335","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14042878","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-12T06:28:27.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["They need to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>public</em> <em>records</em> <em>accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[25.235144,"14042878"]},{"_index":"complaint-public-v1","_id":"2307987","_score":25.035389,"_source":{"product":"Credit reporting","complaint_what_happened":"I had sent a certified letter, dated XXXX/XXXX/16, to Transunion requesting information about a lien that was showing under public filings. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. \n\nA Tax Lien filing is public information. Again, state or federal recorders do not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. XXXX has found information on previously stated Tax Lien 's through third party research. \n\nI had asked that Transunion please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. \n\nI also had received a letter from a government agency, based on my inquiry, stating that they do not report this information directly to the credit bureaus.","date_sent_to_company":"2017-01-24T20:32:08.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"84041","tags":null,"has_narrative":true,"complaint_id":"2307987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-24T20:32:08.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record"},"highlight":{"complaint_what_happened":["I had asked that Transunion please validate this information and provide me with <em>copies</em> of any <em>documentation</em> <em>associated</em> with this <em>account</em> <em>bearing</em> my signature. In the absence of any such <em>documentation</em> <em>bearing</em> my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em>"]},"sort":[25.035389,"2307987"]},{"_index":"complaint-public-v1","_id":"9122570","_score":24.762894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX I am reaching out to challenge the presence of this bankruptcy on my credit report Case numbers XXXX & XXXX. It's troubling because I have a court letter explicitly stating it shouldn't be reported to you. Moreover, the involvement of an unauthorized third party makes this situation even more absurd. U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that XXXX, transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Please provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Company information. I have also Attached my letter from the court house to this document and complaint","date_sent_to_company":"2024-05-29T16:40:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"9122570","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-29T16:28:35.000Z","state":"DE","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":["You need to provide me with <em>copies</em> of all <em>documentation</em> <em>associated</em> with these <em>Public</em> <em>Record</em> <em>Accounts</em> <em>bearing</em> either a court order to place this information in my credit report, or my authorization of release <em>bearing</em> my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under \" <em>Public</em> <em>Records</em> '' needs to be immediately deleted from the credit file you maintain under my name and social security number."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> <em>record</em> information inaccurate"]},"sort":[24.762894,"9122570"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":588,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":588}]}},"product":{"doc_count":588,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":330,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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