{"took":92,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":245,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2290227","_score":14.116182,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being \" locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.","date_sent_to_company":"2017-01-16T17:39:13.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"89014","tags":null,"has_narrative":true,"complaint_id":"2290227","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-01-16T17:39:13.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["I have been verbally told and using <em>tools</em> through the XXXX <em>credit</em> bureaus websites informed that there is no block on my <em>credit</em> reports. However XXXX has closed my mortgage loan modification <em>file</em> due to their alledged attempts to obtain my <em>credit</em> report and <em>said</em> report being \" locked. '' The <em>credit</em> bureaus refuse to provide anything in writing stating that my <em>credit</em> reports are not blocked."],"product":["<em>Credit</em> reporting"],"issue":["Unable to get <em>credit</em> report/<em>credit</em> score"],"sub_issue":["Problem getting report or <em>credit</em> score"]},"sort":[14.116182,"2290227"]},{"_index":"complaint-public-v1","_id":"3781451","_score":13.523618,"_source":{"product":"Debt collection","complaint_what_happened":"I tried to contact XXXX XXXX directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. XXXX XXXX said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to XXXX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from Nationwide Credit , Inc. saying I owe {$44000.00}.","date_sent_to_company":"2020-08-13T15:41:04.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"37934","tags":null,"has_narrative":true,"complaint_id":"3781451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2020-08-05T23:43:07.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I tried to contact XXXX XXXX directly because I knew I was late because a client had not paid me and I have now had to <em>file</em> a lawsuit. XXXX XXXX <em>said</em> I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they <em>said</em> they <em>tool</em> almost XXXX in points."],"sub_product":["<em>Credit</em> card debt"]},"sort":[13.523618,"3781451"]},{"_index":"complaint-public-v1","_id":"3832889","_score":13.402601,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"o On XX/XX/2020, I returned from out of town trip and found a US Bank debit card ( XXXX XXXX XXXX XXXX ) in my name, waiting for me in the mail. I never applied for or requested this card. \no Called US Bank to inquire about why I had received this. The rep apologized and said she was immediately deactivating the account. She said she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I file a police report and file a complaint with the FTC. \no Called the FTC and spoke to a rep who suggested I go on their website to file a complaint and use their online tools to deal with the possible identity theft. I immediately did as she advised. \no I applied for free credit reports from the three credit agencies. XXXX and XXXX allowed me to complete the process online and provided immediate reports to me. I was not able to do this online with XXXX and had to call to order a report. The reports from XXXX and XXXX showed no unusual or unrecognizable activity. There were no inquiries from US Bank. \no I sent, via USPS, letters & forms to the three credit agencies requesting that they place a 7-year fraud alert on my account. I sent a copy of the FTC report along with these requests.\n\no I sent, via USPS, a letter to US Bank, as advised by the FTC online ID theft management tool. I requested they send me written notification that they had erroneously opened an account in my name and that they had closed the account. As of XX/XX/2020, I have not received the requested written documentation from US Bank.","date_sent_to_company":"2020-09-06T13:44:51.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"3832889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2020-09-06T13:33:10.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sent card you never applied for"},"highlight":{"complaint_what_happened":["The rep apologized and <em>said</em> she was immediately deactivating the account. She <em>said</em> she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I <em>file</em> a police report and <em>file</em> a complaint with the FTC. \no Called the FTC and spoke to a rep who suggested I go on their website to <em>file</em> a complaint and use their online <em>tools</em> to deal with the possible identity theft."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[13.402601,"3832889"]},{"_index":"complaint-public-v1","_id":"13425140","_score":13.383097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has refused to provide to me the credit file management tool they said anyone could have. In XX/XX/XXXX, I froze my credit files with XXXX credit reporting agencies, knowing that I could quickly and easily remove a freeze by logging into my account online. Experians Web site says, You can freeze and unfreeze your Experian credit file in real time using our online service. You no longer need a PIN to manage your credit freeze with Experian. All you need is a free Experian account to manage your freeze. However, I was unable to create online account access with Experian. Before I was even given security questions to answer, the Web site said it couldnt verify my identity and rejected my attempt at account creation. Rejection screen said I could fix this by uploading an identity document and proof of address. I uploaded a XXXX of my passport and a utility bill, and the screen said my upload was successful but nothing happened after that. Repeated attempts to log in have failed. Repeated attempts to speak to a human being on the phone have failed. Have mailed XXXX letters to their XXXX XXXX department requesting assistance, on XX/XX/XXXX and XX/XX/XXXX, but received no response.","date_sent_to_company":"2025-05-09T16:54:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"94903","tags":"Older American","has_narrative":true,"complaint_id":"13425140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-09T16:32:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Experian has refused to provide to me the <em>credit</em> <em>file</em> management <em>tool</em> they <em>said</em> anyone could have. In XX/XX/XXXX, I froze my <em>credit</em> <em>files</em> with XXXX <em>credit</em> reporting agencies, knowing that I could quickly and easily remove a freeze by logging into my account online. Experians Web site says, You can freeze and unfreeze your Experian <em>credit</em> <em>file</em> in real time using our online service. You no longer need a PIN to manage your <em>credit</em> freeze with Experian."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.383097,"13425140"]},{"_index":"complaint-public-v1","_id":"2291058","_score":13.315287,"_source":{"product":"Credit reporting","complaint_what_happened":"Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... \nI have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being \" locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.","date_sent_to_company":"2017-01-16T17:43:49.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"89014","tags":null,"has_narrative":true,"complaint_id":"2291058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-01-16T17:43:49.000Z","state":"NV","company_public_response":null,"sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["However XXXX has closed my mortgage loan modification <em>file</em> due to their alledged attempts to obtain my <em>credit</em> report and <em>said</em> report being \" locked. '' The <em>credit</em> bureaus refuse to provide anything in writing stating that my <em>credit</em> reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure."],"product":["<em>Credit</em> reporting"],"issue":["Unable to get <em>credit</em> report/<em>credit</em> score"],"sub_issue":["Problem getting report or <em>credit</em> score"]},"sort":[13.315287,"2291058"]},{"_index":"complaint-public-v1","_id":"2292684","_score":13.084244,"_source":{"product":"Credit reporting","complaint_what_happened":"ssue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... \nI have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being \" locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.","date_sent_to_company":"2017-01-16T17:46:43.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"89014","tags":null,"has_narrative":true,"complaint_id":"2292684","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-16T17:46:43.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["However XXXX has closed my mortgage loan modification <em>file</em> due to their alledged attempts to obtain my <em>credit</em> report and <em>said</em> report being \" locked. '' The <em>credit</em> bureaus refuse to provide anything in writing stating that my <em>credit</em> reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure."],"product":["<em>Credit</em> reporting"],"issue":["Unable to get <em>credit</em> report/<em>credit</em> score"],"sub_issue":["Problem getting report or <em>credit</em> score"]},"sort":[13.084244,"2292684"]},{"_index":"complaint-public-v1","_id":"5744880","_score":12.924609,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has an online dispute resolution center where users can dispute fraudulent information on their credit reports. I used this tool to submit a dispute for a fraudulent account that was opened in my name in XXXX of 2022. I attached a police report to this tool that clearly spells out : XXXX the same account number as was used on my account XXXX the crime and arrest of identity fraud XXXX the account balance that matches the amount on the account as shown on my credit report Despite sending all of this information over, Equifax replied and stated that their investigation concluded this account was indeed mine, and not a fraudulently opened account. \n\nI called in to check as to why the account was not removed. The associate over the phone let me know that when a dispute is filed online, their process is to NOT look at any attached documentation to the dispute ( which the online tool does ask for ), and instead just reach out to the creditor associated to the account that is disputed as fraudulent. So, Equifax did not even use the police report i filed in their dispute resolution process. \n\nI was then notified that if i wanted to have my police report considered, i would need to mail it into Equifax and supply a letter to their mailing address. I asked the associate over the phone why they ( the associate ) couldn't just forward the document that they could see on my dispute form to the proper department or resolve the issue themselves, since they did verify they could see the police report and the information on it. They said they had no process for an internal transfer of documents/they could not help, and my only way to have this resolved was to mail the documents in myself. \n\nThis process is time wasting, confusing, and potentially dangerous to consumers. due to this process, some consumers may file a fraud report online and believe they have no additional recourse if Equifax deems the account to be legitimate. Equifax is not fulfilling their duty to remove fraudulent claims as a credit bureau by forgoing the review of documents supplied by victims of identity fraud. Also, its concerning that one of the major credit bureaus is unable to have agents process dispute claims while having information in front of them or forward documents to the necessary party to process the claim. Not to mention the waste of unnecessary paper and money by forcing consumers to mail in a physical copy of a police report and pay for postage.","date_sent_to_company":"2022-07-07T15:42:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"5744880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-07T15:20:07.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax has an online dispute resolution center where users can dispute fraudulent information on their <em>credit</em> reports. I used this <em>tool</em> to submit a dispute for a fraudulent account that was opened in my name in XXXX of 2022."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.924609,"5744880"]},{"_index":"complaint-public-v1","_id":"3735919","_score":12.608154,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian got in their phone application a tool that is call, File Lock, this tool pretty much do what it said, lock your credit file so no one can have access unless you authorize. \nI started using this service by the beginning of XXXX. Around XX/XX/XXXX I applied for XXXX XXXX XXXX, they told me back that my file was lock that I needed to unlocked. I tried multiple times and the app didn't allow me to unlocked my file. I contacted Experian in XXXX, XXXX, XXXX, and XX/XX/XXXX at least 4 times a month and none of the customer services representative was able to unlock my file. \nThey open a trouble ticket and told me they will solve the situation. One month past by and no communication of any type. I call back around XX/XX/XXXX and they told me they were working with the situation. Finally around XX/XX/XXXX I receive an email telling me that my file was locked because some information was incorrect on my file, which doesn't make sense because I was the one that locked my file, but the email continues explaining that I was to contact them to fix it. I been trying to contact them since then without any response. Now XX/XX/XXXX I'm trying to buy a XXXX system for my house and the company selling me the system use Experian to look into their clients credit, so again I've been denied because of this issue. It's been a little more than a year that I been denied applications because of this issue. Experian is blocking and denying my financial freedom without reason. \nI will like you to help me because even their customer service phone number is a machine, which doesn't provide any help or option to talk to a human being which can understand this situation. \nHopefully you can help me.","date_sent_to_company":"2020-07-08T21:58:57.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"00738","tags":"Servicemember","has_narrative":true,"complaint_id":"3735919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-08T21:26:41.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Experian got in their phone application a <em>tool</em> that is call, <em>File</em> Lock, this <em>tool</em> pretty much do what it <em>said</em>, lock your <em>credit</em> <em>file</em> so no one can have access unless you authorize. \nI started using this service by the beginning of XXXX. Around XX/XX/XXXX I applied for XXXX XXXX XXXX, they told me back that my <em>file</em> was lock that I needed to unlocked. I tried multiple times and the app didn't allow me to unlocked my <em>file</em>."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Unable to get your <em>credit</em> report or <em>credit</em> score"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Other problem getting your report or <em>credit</em> score"]},"sort":[12.608154,"3735919"]},{"_index":"complaint-public-v1","_id":"6903386","_score":12.372314,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've reach out to the creditor XXXX on numerous occasions about a late payment that's on my credit report and nothing was done. Finally they tool it to the XXXX and immediately XXXX reached back out to me we came to and agreement to resolve this I held my end of the bargain they told me they solve the issue and the negative report will be removed from my credit report. I gave it some time I check my credit it was still there I reach out to Experian & XXXX they both said XXXX still show late payment. I call XXXX and ask them why is this still there on my credit report they said they changed it on their end so it should have been updated on my credit report, so they said what I should do is file a dispute and this way once the credit bureau reach out to them then they'll have it updated. I just got back my dispute results and they basically now saying they not changing it. I have the emails which I will attach to support my argument and how unfairly I am being treated. I don't know if it's the credit bureau EXPERIAN XXXX XXXX who's refusing to update and remove those late payments from my report or XXXX lied to me but I need this to be fix and removed/ updated immediately!!","date_sent_to_company":"2023-04-29T01:44:19.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33319","tags":null,"has_narrative":true,"complaint_id":"6903386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-29T01:10:43.000Z","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 gave it some time I check my <em>credit</em> it was still there I reach out to Experian & XXXX they both <em>said</em> XXXX still show late payment. I call XXXX and ask them why is this still there on my <em>credit</em> report they <em>said</em> they changed it on their end so it should have been updated on my <em>credit</em> report, so they <em>said</em> what I should do is <em>file</em> a dispute and this way once the <em>credit</em> bureau reach out to them then they'll have it updated."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.372314,"6903386"]},{"_index":"complaint-public-v1","_id":"6903358","_score":12.372314,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've reach out to the creditor XXXX on numerous occasions about a late payment that's on my credit report and nothing was done. Finally they tool it to the XXXX  and immediately XXXX reached back out to me we came to and agreement to resolve this I held my end of the bargain they told me they solve the issue and the negative report will be removed from my credit report. I gave it some time I check my credit it was still there I reach out to XXXX & Transunion they both said XXXX still show late payment. I call XXXX and ask them why is this still there on my credit report they said they changed it on their end so it should have been updated on my credit report, so they said what I should do is file a dispute and this way once the credit bureau reach out to them then they'll have it updated. I just got back my dispute results and they basically now saying they not changing it. I have the emails which I will attach to support my argument and how unfairly I am being treated. I don't know if it's the credit bureau XXXX XXXX TRANSUNION who's refusing to update and remove those late payments from my report or XXXX lied to me but I need this to be fix and removed/ updated immediately!!","date_sent_to_company":"2023-04-29T01:44:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33319","tags":null,"has_narrative":true,"complaint_id":"6903358","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-29T01:44:23.000Z","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 gave it some time I check my <em>credit</em> it was still there I reach out to XXXX & Transunion they both <em>said</em> XXXX still show late payment. I call XXXX and ask them why is this still there on my <em>credit</em> report they <em>said</em> they changed it on their end so it should have been updated on my <em>credit</em> report, so they <em>said</em> what I should do is <em>file</em> a dispute and this way once the <em>credit</em> bureau reach out to them then they'll have it updated."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.372314,"6903358"]},{"_index":"complaint-public-v1","_id":"3897218","_score":12.017553,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO CREDIT ACCEPTANCE CORPORATION! PLEASE READ AND UNDERSTAND THIS MESSAGE AND ITS ENTIRETY. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this  matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2020-10-13T21:40:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"89119","tags":null,"has_narrative":true,"complaint_id":"3897218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2020-10-13T21:39:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"]},"sort":[12.017553,"3897218"]},{"_index":"complaint-public-v1","_id":"5905227","_score":11.991037,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"ATTENTION TO XXXX  XXXX XXXX XXXX XXXX CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2022-08-22T20:01:53.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"89118","tags":null,"has_narrative":true,"complaint_id":"5905227","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-22T19:32:09.000Z","state":"NV","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.991037,"5905227"]},{"_index":"complaint-public-v1","_id":"4195020","_score":11.991037,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO CREDIT ACCEPTANCE CORPORATION I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I reached out to this company back in XXXX in regards to remove this from my file as they sent information they received to open this account which was not done by me or belong to me. I am seeking for this account to be removed from my file in the amount of {$7300.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2021-03-09T06:33:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"89119","tags":null,"has_narrative":true,"complaint_id":"4195020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2021-03-09T01:08:31.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"company":["<em>CREDIT</em> ACCEPTANCE CORPORATION"]},"sort":[11.991037,"4195020"]},{"_index":"complaint-public-v1","_id":"5905195","_score":11.970625,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"ATTENTION TO BANK  XXXX XXXX XXXX XXXX CREDIT BUREAUS XXXX SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company BANK XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2022-08-22T20:10:56.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"89118","tags":null,"has_narrative":true,"complaint_id":"5905195","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-22T20:05:13.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.970625,"5905195"]},{"_index":"complaint-public-v1","_id":"1431128","_score":11.948902,"_source":{"product":"Debt collection","complaint_what_happened":"Being continuous contacted about a charged off debt from no longer functional ; bankrupt company. I have received a Garnishment summons for over five years concerning this account. This collections dept used a third party to gather information about me. The information that there using to collect is totally incorrect. I no longer work for the company they trying to collect from. I never applied for credit using the company information, I previously worked for. The only way they could have gotten that company information would be to get it from IRS or my personal email using a hacking service. The reason I said hacking email, is because I asked previous employer for a form to file taxes with and it was sent through my email account in PDF format, this month. That would be the only XXXX options I can think were they could have gotten employers data from. Hacking into a persons email account using a data gathering tool.","date_sent_to_company":"2015-06-29T19:50:34.000Z","issue":"Improper contact or sharing of info","sub_product":"Credit card","zip_code":"237XX","tags":null,"has_narrative":true,"complaint_id":"1431128","timely":"No","company_response":"Closed","submitted_via":"Web","company":"Protas, Spivok & Collins. LLC","date_received":"2015-06-22T04:44:54.000Z","state":"VA","company_public_response":null,"sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["Hacking into a persons email account using a data gathering <em>tool</em>."],"sub_product":["<em>Credit</em> card"]},"sort":[11.948902,"1431128"]},{"_index":"complaint-public-v1","_id":"4130214","_score":11.907279,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO XXXX XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2021-02-10T18:20:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"4130214","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-10T18:20:05.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"sub_product":["<em>Credit</em> card debt"]},"sort":[11.907279,"4130214"]},{"_index":"complaint-public-v1","_id":"4130216","_score":11.863635,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO LVNV FUNDING LLC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2021-02-10T18:19:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"4130216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2021-02-10T18:06:13.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"sub_product":["<em>Credit</em> card debt"]},"sort":[11.863635,"4130216"]},{"_index":"complaint-public-v1","_id":"5904999","_score":11.832233,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO CREDIT MANAGEMENT ( XXXX XXXX XXXX & ALL CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since XXXX. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company CREDIT MANAGEMENT in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2022-08-22T20:28:14.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"89118","tags":null,"has_narrative":true,"complaint_id":"5904999","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The CMI Group, Inc.","date_received":"2022-08-22T20:28:09.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["ATTENTION TO <em>CREDIT</em> MANAGEMENT ( XXXX XXXX XXXX & ALL <em>CREDIT</em> BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my <em>file</em> since XXXX. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my <em>file</em> as the amount of {$280.00} does not belong to me."]},"sort":[11.832233,"5904999"]},{"_index":"complaint-public-v1","_id":"5905095","_score":11.722031,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO XXXX XXXX ( XXXX XXXX XXXX & ALL CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since XXXX I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX  in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2022-08-22T20:28:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"89118","tags":null,"has_narrative":true,"complaint_id":"5905095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-08-22T20:15:24.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."]},"sort":[11.722031,"5905095"]},{"_index":"complaint-public-v1","_id":"4130147","_score":11.609601,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX  XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2021-02-10T17:54:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"4130147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-10T17:54:54.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"sub_product":["<em>Credit</em> card debt"]},"sort":[11.609601,"4130147"]},{"_index":"complaint-public-v1","_id":"4130145","_score":11.609601,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION TO ABSOLUTE RESOLUTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company ABSOLUTE RESOLUTIONS XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2021-02-10T17:54:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"89123","tags":null,"has_narrative":true,"complaint_id":"4130145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Absolute Resolutions Corp.","date_received":"2021-02-10T17:36:40.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."],"sub_product":["<em>Credit</em> card debt"]},"sort":[11.609601,"4130145"]},{"_index":"complaint-public-v1","_id":"10237549","_score":11.604656,"_source":{"product":"Credit card","complaint_what_happened":"I got a phishing email fake lowes and I fell for it. It was just pay shipping and u win free tool box. Immediately after I sent credit card info, I knew it was scam. googled it and it was. So, i contated my credit Card Ally. Told them what happend. They said dont worry we gon na stop account so nobody can charge and send out a new card. I had no access to account until I got new card and activated it. I saw that balance was higher than i expected and looked at statement. There were two identical fraud charges for XXXX, the exact same charge amount I warned them about, and it not only pended, it went onto new account. There solution was file fraud charge and MAYBE in three billing cycles the amount could be corrected? I said the fraud charges came in after I told customer service and they said account was closed. So, they can file fraud but in meantime credit my account for those charges. They did not put any alert on account? They said no charges could go on, but apparently they did. I had one charge for XXXX two days prior that was denied, so I had no worry that hackers would be able to use. I just wanted to pay the Correct balance on my bill but cant get the correct balance for three months? I told them not to send me out new card, just close account. I just dont think its fair that I gave them warning ahead of time and they still let charges go thru? Never had that happen before. they dropped the ball and want me to just wait or pay, when I want the balance at XXXX. The supervisor was NO help and shouldnt be in customer contact.","date_sent_to_company":"2024-09-27T16:23:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"93420","tags":null,"has_narrative":true,"complaint_id":"10237549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2024-09-25T23:05:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["There solution was <em>file</em> fraud charge and MAYBE in three billing cycles the amount could be corrected? I <em>said</em> the fraud charges came in after I told customer service and they <em>said</em> account was closed. So, they can <em>file</em> fraud but in meantime <em>credit</em> my account for those charges. They did not put any alert on account? They <em>said</em> no charges could go on, but apparently they did. I had one charge for XXXX two days prior that was denied, so I had no worry that hackers would be able to use."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.604656,"10237549"]},{"_index":"complaint-public-v1","_id":"5364892","_score":11.53916,"_source":{"product":"Debt collection","complaint_what_happened":"ATTENTION ( CREDIT MANAGEMENT XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company ( CREDIT MANAGEMENT XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.","date_sent_to_company":"2022-03-25T04:09:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"89118","tags":null,"has_narrative":true,"complaint_id":"5364892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The CMI Group, Inc.","date_received":"2022-03-25T03:59:32.000Z","state":"NV","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All information submitted is <em>said</em> to be the rightful information needed to resolve this matter."]},"sort":[11.53916,"5364892"]},{"_index":"complaint-public-v1","_id":"3062096","_score":11.464309,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a notification that there was an inquiry from Capital One on my credit report on XX/XX/XXXX. I called Capital One at XXXX XXXX on XX/XX/XXXX. They confirmed an account was opened with all of my information. They said they filed something with their fraud department and the account would be closed. They said Id receive a letter noting the account was closed and that it would be removed from my credit report within 90 days. I received the card in the mail on XX/XX/XXXX. I called back in on XX/XX/XXXX and the system recognized my account. I went to a supervisor in the fraud area who told me the account wasnt closed on his end and apparently there are multiple systems. I asked for more information like how they applied ( phone or internet or an employee of theirs ) and he said they dont have that. Of course they have that! He was unwilling to provide any information and both people I talked brushed this off like it was nothing. It is something to me! My identity has been stolen! It came across as if it happens all the time and its nothing. The fraud supervisor said there is no way to catch this until the consumer calls in saying it was fraud. Im a XXXX XXXX by trade, and thats ridiculous. There are fraud tools that detect fraudulent emails amongst many other things. There is verification they can do with the credit bureau as far as comparing length of address and employment. There are red flag procedures they should have. When I brought up these things, the supervisor just repeated himself over and over and talked to me like I was clueless. It doesnt appear they are protecting anyone and it appears all that matters is the new card to them at the end of the day.","date_sent_to_company":"2018-10-31T19:21:06.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"379XX","tags":null,"has_narrative":true,"complaint_id":"3062096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-10-31T18:57:16.000Z","state":"TN","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I received a notification that there was an inquiry from Capital One on my <em>credit</em> report on XX/XX/XXXX. I called Capital One at XXXX XXXX on XX/XX/XXXX. They confirmed an account was opened with all of my information. They <em>said</em> they <em>filed</em> something with their fraud department and the account would be closed. They <em>said</em> Id receive a letter noting the account was closed and that it would be removed from my <em>credit</em> report within 90 days. I received the card in the mail on XX/XX/XXXX."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.464309,"3062096"]},{"_index":"complaint-public-v1","_id":"3288670","_score":11.36782,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/19 I received a credit alert regarding 4 collection accounts reported on my equifax report - these had been placed fraudulently on my credit files when the XXXX breach occurred 2 years ago. I was able to remove them after about 3 months of fighting and using resources I found here to use the proper wording to get them to actually verify the validity now 2 years later another company named XXXX XXXX reported the exact same fake medical collection accounts - equifax would not let me dispute or access any records online. I had to do it over the phone and they told me on XX/XX/19 they would never be able to restore my online access. So they sent me an email on XX/XX/19 stating the disputes were processing and should expect an update around XX/XX/19, instead I received an email to log into my account, my dispute results were completed- of course I cant access them online, so I called and they said they verified the fraudulent, illegally re-aged, medical collection accounts with XXXX on XX/XX/19. Impressive they were able to verify info that could not be verified as it is and was never mine. They said if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their tools to dispute the dispute results and have access to their credit repair specialist.","date_sent_to_company":"2019-06-27T07:52:16.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75093","tags":null,"has_narrative":true,"complaint_id":"3288670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-27T07:30:19.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They <em>said</em> if I purchase their online monthly monitoring service for XXXX $ per month I would be able to access the info online and use their <em>tools</em> to dispute the dispute results and have access to their <em>credit</em> repair specialist."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.36782,"3288670"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":245,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":245}]}},"product":{"doc_count":245,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":46,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":13},{"key":"Other debt","doc_count":13},{"key":"Auto debt","doc_count":5},{"key":"I do not know","doc_count":4},{"key":"Medical debt","doc_count":2},{"key":"Rental 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