{"took":341,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":163,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8591214","_score":21.298027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on my credit report.","date_sent_to_company":"2024-03-20T18:23:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8591214","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-20T18:23:24.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. Their <em>investigation</em> did not fix <em>error</em> on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.298027,"8591214"]},{"_index":"complaint-public-v1","_id":"8591215","_score":21.297684,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on my credit report.","date_sent_to_company":"2024-03-20T18:23:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8591215","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-20T18:23:24.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. Their <em>investigation</em> did not fix <em>error</em> on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.297684,"8591215"]},{"_index":"complaint-public-v1","_id":"8591438","_score":21.257383,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Problem with a credit reporting company 's investigation into an existing problem. Their investigation did not fix error on my credit report.","date_sent_to_company":"2024-03-20T18:23:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"441XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8591438","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-20T17:54:48.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. Their <em>investigation</em> did not fix <em>error</em> on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[21.257383,"8591438"]},{"_index":"complaint-public-v1","_id":"3105775","_score":19.60608,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which Equifax failed to resolve.. Their investigation did not prove the bankruptcy is mine. They said they have verified it but did not give details on how their investigation went.. The courts don't report public records to credit bureaus..CFPB step up and remove this error Bankruptcy : Discharged CH-XXXX XXXX","date_sent_to_company":"2018-12-20T10:16:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89103","tags":null,"has_narrative":true,"complaint_id":"3105775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-12-20T10:13:09.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This issue is an <em>existing</em> <em>problem</em> which Equifax failed to resolve.. Their <em>investigation</em> did not prove the bankruptcy is mine. They said they have verified it but did not give details on how their <em>investigation</em> went.. The courts don't <em>report</em> public records to <em>credit</em> bureaus..CFPB step up and remove this <em>error</em> Bankruptcy : Discharged CH-XXXX XXXX"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[19.60608,"3105775"]},{"_index":"complaint-public-v1","_id":"3264610","_score":18.030294,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Let me make this clear to you, XXXX  is my student loan account but DP OF EDUC XXXX   IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Government funded loans are not allowed to be reported, this is a clear violation of the FCRA.Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please","date_sent_to_company":"2019-06-05T06:08:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06118","tags":null,"has_narrative":true,"complaint_id":"3264610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-05T05:40:51.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This issue is an <em>existing</em> <em>problem</em> which Equifax wasn't able to resolve.. Government funded loans are not allowed to be <em>reported</em>, this is a clear violation of the FCRA.Their <em>investigation</em> did not fix the account. They said they have verified it but did not give details on how their <em>investigation</em> went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.. The <em>error</em> has affected my <em>credit</em> score tremendously. CFPB please step up and fix this ASAP please"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on your <em>report</em>"]},"sort":[18.030294,"3264610"]},{"_index":"complaint-public-v1","_id":"13994567","_score":17.656727,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : Problem with a credit reporting companys investigation into an existing problem What is your complaint about? \nI am unable to access my Experian credit report or contact their customer support. Experian is reporting information on my credit file, yet they have restricted my access unless I become a paid member, which is both unethical and possibly unlawful. \n\nI attempted to use their online portal, including XXXX, but the report is inaccessible and I received an error message. I also tried calling their customer service number, but it automatically disconnects me after directing me to try again later. \n\nAt this point, I am being denied my legal right to access and review the information being reported about me, and I have no way of verifying its accuracy or disputing errors.","date_sent_to_company":"2025-06-10T18:51:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"13994567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-10T18:47:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CFPB Complaint Sample <em>Credit</em> <em>Report</em> Access Blocked by Experian Complaint Type : <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> Sub-category : <em>Problem</em> with a <em>credit</em> <em>reporting</em> companys <em>investigation</em> into an <em>existing</em> <em>problem</em> What is your complaint about? \nI am unable to access my Experian <em>credit</em> <em>report</em> or contact their customer support."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.656727,"13994567"]},{"_index":"complaint-public-v1","_id":"11460440","_score":17.277443,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Experian, I am writing to formally file a complaint against Experian for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681e ( b ), 15 USC 1681i ( a ), and 15 USC 1681c. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. \n\nSpecific Violations by Experian : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.\n\n15 USC 1681i ( a ) : Negligence in ensuring that furnishers of information comply with their obligations.\n\n15 USC 1681i ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information.\n\n15 USC 1681c : Inclusion of obsolete information in my credit report. \nDespite my repeated attempts and clear documentation of errors, Experian has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. \n\nRecently, I became aware of a lawsuit initiated by the Consumer Financial Protection Bureau ( CFPB ) against Experian, accusing them of conducting sham investigations of credit report disputes. The CFPB 's lawsuit underscores systemic issues within Experian that reflect the challenges I have encountered, highlighting the failure of Experian to conduct legitimate and thorough investigations into consumer disputes. \n\nList of Disputed Accounts : XXXX XXXX XXXX  XXXX ( Account No. XXXX ) : Incorrect reporting of delinquency status and balance of {$1300.00}. \nXXXX XXXX XXXX ( Account XXXX. XXXX ) : Incorrect collection status reported, balance {$1000.00}. \nXXXX XXXX ( Account XXXX. XXXX ) : Reported credit limit and charge-off amount inconsistencies, balance {$4500.00}. \nComplete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. \n\n\nThank you for your immediate attention to this critical matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-10T10:53:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11460440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T10:38:28.000Z","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":["Complete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your <em>report</em> XX/XX/year> - Complaint ID : XXXX - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : XXXX - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : XXXX - Improper use of your <em>report</em> XX/XX/year> - Complaint ID : XXXX - Improper use of your <em>report</em> XX/XX/year> - Complaint ID : XXXX - Improper use of your <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on your <em>report</em>"]},"sort":[17.277443,"11460440"]},{"_index":"complaint-public-v1","_id":"11510758","_score":16.804926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear Experian, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against Experian for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against Experian : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future.\n\nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-14T09:34:49.000Z","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":["- Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on your <em>report</em>"]},"sort":[16.804926,"11510758"]},{"_index":"complaint-public-v1","_id":"2580189","_score":16.793217,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hope this will get the attention that is need because of the abuse The department is Equifax The office of Consumer Affairs. I Will provided the name of the people this complain get to do an investigation This list of issues with Equifax The Office Of Consumer Affairs that unfortunate has make my life a living I feel XXXX if the can get away with what they are doing then we really have a bigger problem. My hope is for this complain will find his way to the authorities who can only address the problem until I will not stop until this get accomplish. Some how my file lander on their hands by system mix file or manually my file was change with incorrect information I was told that my credit report with Equifax was not a right but a privilege and that privilege have been taken away for to use. As such they block my report or reporting credit scores. Because of someone without proper juristic ion feels that they say is what is going to be something is right 1.  Incorrect information on my report ( wrong address, fraud, incorrectly My identity was compromise fraudulent account place on my file permanently creating new issues base on the fact that they did follow as appropriate to prevent what follow 2 It has been 3 months now and nothing have been done i did as much as I could begging then to do something and no one cares Problem with a credit reporting company 's investigation without they having any idea why they made an error they mix my file know what is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes trouble placing or extending with a without allow me to have my telephone so that creditor will call me to confirm if I was the one opening an account They denied for me to put a freeze, what they did denied access completely They place wrong address, fraud, incorrectly shows accounts were open fraudulent Problem with a credit reporting company 's investigation into an existing problem All account activities on file is gone What? how? Information belongs to someone else ( identity theft, fraud, error ) Information is missing that should be on the report My employment history was remove gone Account information incorrect ( loan balance, payment amount ) Account status incorrect ( showing open account as closed, showing delinquent account when it 's not ) Personal information incorrect ( they have added new names no mine but they think is mine How? no prove but they reporting it regardless Public record information inaccurate ( bankruptcy, judgment, liens, criminal record )","date_sent_to_company":"2017-07-20T14:42:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"2580189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-20T13:42:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["is that are doing what is doing more <em>problem</em> to <em>existing</em> <em>problem</em> which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ) Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score <em>Credit</em> monitoring or identity theft protection services <em>Problem</em> with"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.793217,"2580189"]},{"_index":"complaint-public-v1","_id":"11510722","_score":16.77505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline. \nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T09:39:27.000Z","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":["Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on your <em>report</em>"]},"sort":[16.77505,"11510722"]},{"_index":"complaint-public-v1","_id":"11510721","_score":16.77505,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXX Source XXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[": <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your <em>report</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on your <em>report</em>"]},"sort":[16.77505,"11510721"]},{"_index":"complaint-public-v1","_id":"8051224","_score":16.380177,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was given information that NFCU has XXXX accounts on my credit report that have the same balance, same opening date, and same amount due, but different account numbers. What I have with NFCU currently is a XXXX XXXX loanXXXX XXXX XXXX XXXX  checks, and XXXX savings. The XXXX loan I have with NFCU was transferred and Ive had problems with NFCU since. In additionally, I was told this is an error on NFCUs part. I request that this be corrected immediately. Ive had this problem with NFCU on another account as well and because of this and another error, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my report. After extensive investigation this was not being reported to the three major credit bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected. Until I searched to find out why, I found this negative report given on an account that I had no late or missing payments. XXXX, I never even consider using skip a pay. This has since been corrected but it took two days of my time!. Whoever is in charge of making these deliberate errors with intent and malice reflects on how NFCU will be analyzed by potential future and existing customers, I am forwarding this request as well.","date_sent_to_company":"2023-12-24T03:48:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"8051224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-12-24T03:19:24.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Ive had this <em>problem</em> with NFCU on another account as well and because of this and another <em>error</em>, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my <em>report</em>. After extensive <em>investigation</em> this was not being <em>reported</em> to the three major <em>credit</em> bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"company":["NAVY FEDERAL <em>CREDIT</em> UNION"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[16.380177,"8051224"]},{"_index":"complaint-public-v1","_id":"5838899","_score":16.171495,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. \n\nThe bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. \n\nYour agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this \" Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. \n\nI would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. \n\nThank You XXXX XXXX","date_sent_to_company":"2022-08-03T11:56:52.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"68130","tags":null,"has_narrative":true,"complaint_id":"5838899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-03T11:38:19.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> ISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> This case has been open with Transunion for a month now, and I lack their response to get the <em>credit</em> <em>report</em> they used in my <em>credit</em> denial to XXXX  on XX/XX/2022."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.171495,"5838899"]},{"_index":"complaint-public-v1","_id":"12768008","_score":15.330288,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Problem with a credit reporting companys investigation into an existing problem Complaint Details : I am a victim of identity theft, and a fraudulent account is appearing on my credit report. The details of the fraudulent account are as follows : Creditor Name : BK OF AMER ( Bank of America ) Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Derogatory Balance : {$1400.00} Payment Status : XXXX  Date Opened : XX/XX/year> I never opened this account, never signed any documents for it, and never made any payments on it. I have never had a credit card with Bank of America. This account is fraudulent and was opened without my authorization. \n\nI have taken the following steps to dispute this fraudulent account : Filed an identity theft report with the FTC. \n\nDisputed the account multiple times with the credit bureaus ( XXXX, XXXX, XXXX ). \n\nSent dispute letters to the credit bureaus requesting removal of this fraudulent account. \n\nDespite all my efforts, this fraudulent account has not been removed from my credit report. The credit bureaus have failed to correct this error, which is negatively affecting my credit standing.","date_sent_to_company":"2025-04-01T23:40:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"12768008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-01T23:27:44.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Complaint Category : <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> Subcategory : <em>Problem</em> with a <em>credit</em> <em>reporting</em> companys <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint Details : I am a victim of identity theft, and a fraudulent account is appearing on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[15.330288,"12768008"]},{"_index":"complaint-public-v1","_id":"4717134","_score":14.76152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax consistently keeps lying about an investigation into an existing issue. \n\nBasically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. \n\nShocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. \n\nI sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. \n\nI received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. \n\nBasically Equifax lied the whole time about how they Investigated and that is not ethical.","date_sent_to_company":"2021-09-13T22:43:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60099","tags":"Servicemember","has_narrative":true,"complaint_id":"4717134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-13T22:15:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>problem</em> with their method is, they didn't verify it accurately, that number was made up out of no where. \n\nI sent a third letter, demanding that fix the <em>error</em> because if you did in fact verify through the Department of veterans affairs, that balance would have been <em>reporting</em> accurately as XXXX}. \n\nI received this information from the Department of Veterans affairs themselves where they told me to take it up with the <em>credit</em> <em>reporting</em> agency."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on your <em>report</em>"]},"sort":[14.76152,"4717134"]},{"_index":"complaint-public-v1","_id":"6728486","_score":14.715369,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite being disputed, there is still a lot of inaccurate information on my <em>credit</em> <em>report</em>. I was not notified about the <em>investigation</em> as well as the results so I'm not even sure whether or not they did the <em>investigation</em>. If they did, the <em>errors</em> on my <em>credit</em> <em>report</em> were not fixed despite their \" <em>investigation</em> ''."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.715369,"6728486"]},{"_index":"complaint-public-v1","_id":"6728499","_score":14.688282,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:52:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-03-21T17:08:08.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite being disputed, there is still a lot of inaccurate information on my <em>credit</em> <em>report</em>. I was not notified about the <em>investigation</em> as well as the results so I'm not even sure whether or not they did the <em>investigation</em>. If they did, the <em>errors</em> on my <em>credit</em> <em>report</em> were not fixed despite their \" <em>investigation</em> ''."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.688282,"6728499"]},{"_index":"complaint-public-v1","_id":"6728064","_score":14.669476,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite being disputed, there is still a lot of inaccurate information on my <em>credit</em> <em>report</em>. I was not notified about the <em>investigation</em> as well as the results so I'm not even sure whether or not they did the <em>investigation</em>. If they did, the <em>errors</em> on my <em>credit</em> <em>report</em> were not fixed despite their \" <em>investigation</em> ''."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.669476,"6728064"]},{"_index":"complaint-public-v1","_id":"2491655","_score":14.647901,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser","date_sent_to_company":"2017-05-23T16:25:29.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2491655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-23T16:16:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer <em>reports</em> Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on your <em>report</em>"]},"sort":[14.647901,"2491655"]},{"_index":"complaint-public-v1","_id":"19740794","_score":14.549543,"_source":{"product":"Credit card","complaint_what_happened":"Company : Citibank , N.A . \nProduct : Credit Card Issue : Problem with a company 's investigation into an existing problem Complaint Narrative : I am a XXXX XXXX XXXX XXXX currently utilizing assistance funds to resolve outstanding debts. I have a formal settlement agreement with Citibank for an account with a total balance of {$7800.00}, agreed upon for {$4800.00}. Since XX/XX/XXXX, I have made consistent monthly payments of {$200.00}. \n\nOn XX/XX/XXXX, I contacted Citibank to discuss my balance and reporting. Citibank informed me that my current balance is {$2200.00}, yet explicitly stated they would not update my credit report with this accurate, reduced balance until 60 days after my final payment. This is a direct violation of the FCRA requirement to report \" complete and accurate '' information. Furthermore, Citibank refused to provide a payment ledger, claiming they \" can not provide a ledger of payment history '' for this specific agreement.\n\nMost concerningly, I attempted to file a formal dispute regarding this inaccurate balance reporting, but the submission failed with the technical error : \" Unable to process dispute : trade all balance history soft deleted. '' This indicates that Citibank has flagged my account in a way that bypasses standard dispute mechanisms and prevents me from verifying the accuracy of the debt or the application of my payments. This lack of transparency and the deliberate obstruction of the dispute process is an abusive practice.","date_sent_to_company":"2026-02-24T16:29:18.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"80923","tags":null,"has_narrative":true,"complaint_id":"19740794","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-02-24T16:17:25.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Product : <em>Credit</em> Card Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint Narrative : I am a XXXX XXXX XXXX XXXX currently utilizing assistance funds to resolve outstanding debts. I have a formal settlement agreement with Citibank for an account with a total balance of {$7800.00}, agreed upon for {$4800.00}. Since XX/XX/XXXX, I have made consistent monthly payments of {$200.00}. \n\nOn XX/XX/XXXX, I contacted Citibank to discuss my balance and <em>reporting</em>."],"product":["<em>Credit</em> card"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[14.549543,"19740794"]},{"_index":"complaint-public-v1","_id":"6966520","_score":14.409487,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Experian Information Solutions Inc . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Experian Information Solutions Inc . \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>problem</em> XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB <em>REPORT</em> # XXXX XXXX XXXX XXXX <em>Credit</em> <em>reporting</em> <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.409487,"6966520"]},{"_index":"complaint-public-v1","_id":"14925877","_score":14.390191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX Problem with a company 's investigation into an existing problem XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed. \n\nMy disputes included : Missing hard inquiries dating from XX/XX/XXXX. \n\nIncorrect late payment notations on accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX \n\nDuplicate XXXXDepartment of Education entries showing identical opening dates, balances, and status.\n\nCredit utilization reported at 287 %, which is mathematically impossible. \n\nAn XXXX account listed as delinquent, despite being under official forbearance status, which under FCRA and CARES Act should not affect my score. \n\nI also requested a detailed explanation of Experians investigation process, including whether all evidence I submitted was forwarded to furnishers, what responses were received, and whether any dispute was deemed frivolous. Experians responses were generic confirmations of an investigation, but they did not justify why my documentation was disregarded or explain why the disputed items were never corrected.\n\nDespite submitting comprehensive evidencescreenshots, statements, forbearance letters, utilization calculationsExperian failed to update any item in my credit report.\n\nMy experience aligns with findings in the CFPBs XX/XX/XXXX lawsuit against Experian, which alleges that Experian routinely conducts sham investigations, fails to forward consumer-submitted documentation, and improperly reinserts inaccurate tradelines after they were previously disputed and removed","date_sent_to_company":"2025-07-28T18:48:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"14925877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-28T18:42:19.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute <em>investigations</em> : XXXX <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your <em>report</em> XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the <em>errors</em> I disputed"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.390191,"14925877"]},{"_index":"complaint-public-v1","_id":"6966689","_score":14.373187,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your reporXXXX XXXX XXXXfXXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T16:26:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB <em>REPORT</em> # XXXX XXXX XXXX XXXX <em>Credit</em> <em>reporting</em> Incorrect information on your <em>report</em> XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB <em>REPORT</em> # XXXX XXXX XXXX XXXX <em>Credit</em> <em>reporting</em> <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> TRANSUNION INTERMEDIATE HOLDINGS , INC ."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.373187,"6966689"]},{"_index":"complaint-public-v1","_id":"6966521","_score":14.362181,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information XXXX your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB <em>REPORT</em> # XXXX XXXX XXXX XXXX <em>Credit</em> <em>reporting</em> <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.362181,"6966521"]},{"_index":"complaint-public-v1","_id":"8747949","_score":13.598107,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Urgent Complaint Regarding Recurrent Credit Information Mismatch** **To Whom It May Concern, ** I am writing to express significant concern and file a formal complaint about persistent issues with my credit report where my financial information has been repeatedly confused with that of another individual. This ongoing problem began in XXXX and has recurred multiple times up to the present date in XXXX. \n\n**Details of the Issue : ** - **Initial Incident** : The first occurrence was noted in XXXX. \n- **Subsequent Incidents** : Since the initial incident, the issue has reoccurred on multiple occasions, with the most recent being noted in XX/XX/XXXX. \n- **Nature of Errors** : The errors typically involve the appearance of unfamiliar accounts and financial obligations on my credit report, which do not pertain to my financial activities. \n\n**Actions Taken : ** - **Personal Efforts** : I have contacted the credit reporting agencies ( XXXX, XXXX, and TransUnion ) each time these inaccuracies have appeared to dispute and correct the erroneous entries. Each issue was temporarily resolved ; however, the recurrence suggests a deeper systemic problem. \n- **Company Responses** : While individual disputes have been addressed by removing specific inaccuracies, no lasting solution or preventive action has been effectively implemented to rectify the underlying issue permanently. \n\n**Legal Concerns : ** - **Fair Credit Reporting Act ( FCRA ) ** : The repeated inaccuracies and the failure to prevent recurrence of these issues suggest a violation of the FCRA, which mandates credit reporting agencies to maintain accurate and complete records in consumer reports. \n- **Duty to Investigate and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. \n\n**Requested Actions : ** 1. **Comprehensive Investigation** : An exhaustive investigation into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into existing files.\n\n2. **Implementation of Preventive Measures** : Establishment of stricter data handling and verification protocols to ensure such mix-ups are permanently prevented. I request a detailed outline of the actions planned and implemented. \n3. **Regular Updates and Transparency** : Provision of regular updates on the status of the investigation and corrective measures being taken.\n\n4. **Immediate Corrections and Notifications** : Immediate rectification of any inaccuracies currently affecting my credit report, with notifications sent to any entities that received incorrect information. \n\n**Conclusion : ** This recurring problem has caused undue stress and potential damage to my financial standing, eroding my confidence in the reliability of the credit reporting system. It is imperative that this issue be addressed with the seriousness it deserves and resolved permanently. I trust that your agency will take swift and effective action to correct this longstanding issue. \n\nI anticipate your prompt acknowledgment of this complaint and an outline of the steps you will take to resolve this matter satisfactorily.","date_sent_to_company":"2024-04-11T14:16:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"8747949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-11T14:16:34.000Z","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":["- **Nature of <em>Errors</em>** : The <em>errors</em> typically involve the appearance of 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