{"took":148,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":75,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16757276","_score":15.395042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by Citibank XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to Citibank 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from Citibank 's Cardmember Services - Credit Management Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite Citibank claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My XXXX credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching Citibank 's XXXX XXXX location. \n\nThis creates several violations : 1. Citibank is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - Citibank refused to investigate by claiming they can not locate the account WHAT I WANT : 1. Citibank to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If Citibank truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from Citibank regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - Citibank letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to Citibank","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16757276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-22T13:04:51.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[15.395042,"16757276"]},{"_index":"complaint-public-v1","_id":"16758190","_score":15.36045,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by XXXX XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to XXXX 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from XXXX 's XXXX XXXX XXXX XXXX XXXX Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite XXXX claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My Experian credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching XXXX 's XXXX XXXX location. \n\nThis creates several violations : 1. XXXX is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - XXXX refused to investigate by claiming they can not locate the account WHAT I WANT : 1. XXXX to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If XXXX truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from XXXX regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - XXXX letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to XXXX","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16758190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-22T13:10:36.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[15.36045,"16758190"]},{"_index":"complaint-public-v1","_id":"3335907","_score":15.13981,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nXXXX What happened? \n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2019-08-10T02:12:09.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nXXXX What happened? \n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.13981,"3335907"]},{"_index":"complaint-public-v1","_id":"3335909","_score":15.123787,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and Transunion, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me XXXX XXXX and XXXX because the agencies are failing to follow the rules that are set forth by CFPB. I need help. \n\nHide full complaint What product or service is your complaint about? \n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, XXXX and Transunion, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more XXXX XXXX and XXXX because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-08-10T02:12:09.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.123787,"3335909"]},{"_index":"complaint-public-v1","_id":"3335905","_score":15.123787,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from Equifax, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX s account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran and this is causing me undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.\n\nHide full complaint What product or service is your complaint about?\n\nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?\n\nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from Equifax, XXXX and XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX s account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue stress and anxiety because the agencies are failing to follow the rules that are set forth by CFPB. I need help.","date_sent_to_company":"2019-08-10T06:12:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38115","tags":"Servicemember","has_narrative":true,"complaint_id":"3335905","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-10T01:49:01.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having?\n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY?\n\nYes What happened?\n\nI submitted disputes to the three credit bureau asking for verification of creditors that were reporting on in credit file."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.123787,"3335905"]},{"_index":"complaint-public-v1","_id":"8074808","_score":14.870834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to XXXX, TransUnion and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ Transunion- XXXX ], [ XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXX/XX/2023 - XXXX XXXX TRANSUNION XXXX XX/XX/2023 - TRANSUNION - XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION- XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:56:55.000Z","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":"8074808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-28T22:48:37.000Z","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":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[14.870834,"8074808"]},{"_index":"complaint-public-v1","_id":"8074660","_score":14.841495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to Experian, XXXX and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ XXXX XXXX ], [ Experian-XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","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":"8074660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-28T22:57:08.000Z","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":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[14.841495,"8074660"]},{"_index":"complaint-public-v1","_id":"8074592","_score":14.836633,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","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":"8074592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[14.836633,"8074592"]},{"_index":"complaint-public-v1","_id":"6176358","_score":13.39483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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 Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-11-07T18:20:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19133","tags":null,"has_narrative":true,"complaint_id":"6176358","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-07T18:17:24.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["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."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[13.39483,"6176358"]},{"_index":"complaint-public-v1","_id":"18333455","_score":12.020599,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, You have stated in writing that the tradeline at issue involves potential fraud. Once fraud is acknowledged or suspected, the information being reported can no longer be considered verified, accurate, or reliable. \nA consumer reporting agency can not simultaneously classify an account as potential fraud and continue to report it as a valid, enforceable obligation. Doing so is internally inconsistent and violates the XXXX XXXX XXXX Acts requirement to maintain maximum possible accuracy. \nWhere fraud is acknowledged and the furnisher has also stated that it can not locate an account in the consumers name, continued reporting lacks any lawful basis. Verification is impossible under these circumstances This is experians report to CFPB XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a 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 Complaint for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete Unverified Account XXXX XXXX : still working on it XX/XX/year> CFPB reports Regional Acceptance XXXX cant find account in my name XX/XX/year> Company responded STATUS Company responded on XX/XX/year> XXXX XXXX Closed with explanation Company 's Response Regional is XXXX XXXX XXXX XXXX account in your name. That is legal confirmation the debt does not exist. Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete After Furnisher Admitted No Account Exists Loading... \nHide full complaint Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. \nTheir response should include the steps they took, or will take, to address your complaint. \nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \n\nPotential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/year> We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of fraud.","date_sent_to_company":"2025-12-29T02:44:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39503","tags":"Older American","has_narrative":true,"complaint_id":"18333455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T02:36:45.000Z","state":"MS","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":["Where fraud is acknowledged and the furnisher has also stated that it can not locate an account in the consumers name, continued reporting lacks any lawful basis. Verification is impossible under these circumstances This is experians report to CFPB XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[12.020599,"18333455"]},{"_index":"complaint-public-v1","_id":"3081937","_score":11.988265,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name.\n\nThey got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though.\n\nAt some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the spring of 2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. \nI did attempt to file a police report in XXXX of 2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part of XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). \nI have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however Chexsys absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. \n\nThey have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. \nI reported the accounts that were fraudulent to them and were needing to be blocked back in XXXX of this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX of this year when I tried to get added as a signor to my business partners existing checking account. \n\nAfter that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems.","date_sent_to_company":"2018-11-24T15:25:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"3081937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2018-11-24T15:11:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[11.988265,"3081937"]},{"_index":"complaint-public-v1","_id":"3081942","_score":11.988019,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My identity was stolen a few years ago. The person who stole my identity assumed my identity, filing taxes, renting apartments, bought and registered vehicles ( even receiving parking tickets in one of them ) ; as well as opened checking and credit cards in my name. \n\nThey got away with it for some time before I noticed as I was frequently ( more often than not ) out of the country for work at this time ) as the accounts they opened were being paid/utilized and my mail was being intercepted and or forwarded. In fact ; I think it still may be being intercepted. I really am not sure, that is kind of the way fraud is designed though. \n\nAt some point I did being getting collection letters and I was disputing them directly with the creditor. Then, when I finally received my credit report and realized what had happened. This was about the XXXX of XX/XX/2017. I still tried to work directly with the creditors, to no avail. I was not directed by anyone to report the fraud to police for months. \nI did attempt to file a police report in XX/XX/2017 but the police told me I needed to come back with documentation and then we were hit with Hurricane Irma and I left the area prior to the storm and was not able to return as there was no power for over 2 weeks. When I finally did return, I went to file the police report as soon as possible ( when brought me into the first part ofXX/XX/XXXX as the police station does not take reports Sunday or Monday and these are usually the days it is easiest for me to go ). \nI have explained as well as documented all of this until I have become blue in the face to every creditor, credit reporting bureau, lender and anyone else privy to the information and or history ; however XXXX absolutely refuses to follow Federal Law and is denying my rights to me under the FCRA and the FDCPA ; specifically 15 U.S.C. 1681c-2 by refusing to block a fraudulent account and scores of unauthorized inquiries from my report. \n\nThey have been playing games with me, causing me to jump through hoops and causing me additional and considerable compensatory and monetary damages. They have changed their story several times and have been giving me the run around for nearly 6 months taking up dozens and dozens of hours of my time causing me to lose time at work and money. \nI reported the accounts that were fraudulent to them and were needing to be blocked back in XX/XX/XXXXof this year ; instead of processing it is fraud, they opened an investigation as if it were a dispute and insisted I wait 30 days for them to complete the review ( by law they are supposed to block the accounts within 4 days ). I called and pleaded with them several times during this 30 day period, explaining to them the damage to my credit history and the problems it was causing me- but to no avail. I documented the theft to a T. I sent the police report, a cover letter explaining the ID theft and demanding they block the account pursuant to FCRA U.S.C. 605B ( 15 U.S>C> 1681 c-2 ) ; both my drivers license and social security card and even furnished them with a copy of someone utilizing a fake id with my information. All of this was in vain I suppose. They claim that the police report was insufficient due to the dates ; however I didnt learn of the account being reported to them until XXXX of this year when I tried to get added as a signor to my business partners existing checking account. \n\nAfter that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems.","date_sent_to_company":"2018-11-30T20:54:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"3081942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-11-24T15:25:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["After that it took me months and months of trying to even get my report from them as they were attempting to get me to verify the fraudulent information and I have no idea what the people or persons who took my identity did or attempted to do with my information. \n\nPlease help me. This is causing me numerous problems."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[11.988019,"3081942"]},{"_index":"complaint-public-v1","_id":"3296823","_score":11.890692,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX up my credit profile and showed bad attitude on assisting me solving the problem. \nOn XX/XX/XXXX, I applied Chase Southwest Credit Card from JP Morgan Chase. Chase pulled my credit report from XXXX then denied my application given the reason of \" too many ( >5 ) accounts opened within last 24 months ''. I then telephoned Chase customer support and found out that the credit history Chase got from XXXX was not accurate at all. In the report provided by XXXX XXXXo Chase, I found there are several accounts that were not opened by me. Then I telephoned XXXX customer service and requested a dispute of those accounts against my Credit profile. \nI was offended by the process of how XXXX handled my dispute request. Here are my primary complaints : 1. Dereliction of duty XXXX XXXXequired me to submit a lot of supporting documents ( W-2, pay-stub, SSN Card, Drivers License, Address, Rental Agreement, Utility Bill, etc ) to validate my identity, which in my opinion exposed their failure to protect users ' credit info but to return the responsibility to the user to prove his identity. \n2. Processing speed very slow Despite XXXX XXXX dereliction of duty, I still submitted those docs accordingly. However, it took XXXX nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates. However, none of them was useful. Every time what I can only hear was their emphasis on they couldn't see anything from their database, so I had to either wait or to re-submit again. They even suspected me mailing the docs to the wrong place. Ironically, the mailing address was provided by XXXX. I believe it was because of their internal miscommunications which caused the delay, however, what I felt about the attitude from the representative was \" We can't do anything from our XXXX side. If you want us to process the dispute, you have to provide this and this, that and that ... '', even forgetting the cause of this inconvenience may possibly be the recent data exposure to the hacker, in which XXXX was the one at fault, not us customers. \n4. Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by XXXX, and got proof from them those accounts don't exist. Therefore, I believe ( a ) my credit profile was screwed up by XXXX entirely ; ( b ) XXXX didn't demonstrate well attitude on supporting me getting this cleared up. I got tired calling XXXX again and again. I'd like to come here for additional help from you.","date_sent_to_company":"2019-07-05T07:36:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95126","tags":null,"has_narrative":true,"complaint_id":"3296823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-07-05T07:36:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by XXXX, and got proof from them those accounts don't exist."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[11.890692,"3296823"]},{"_index":"complaint-public-v1","_id":"3296519","_score":11.888152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax XXXX up my credit profile and showed bad attitude on assisting me solving the problem. \nOn XX/XX/XXXX, I applied XXXX XXXX Credit Card from XXXX XXXX XXXX. XXXX pulled my credit report from Equifax, then denied my application given the reason of \" too many ( XXXX ) accounts opened within last 24 months ''. I then telephoned XXXX customer support and found out that the credit history XXXX got from Equifax was not accurate at all. In the report provided by Equifax to XXXX, I found there are several accounts that were not opened by me. Then I telephoned Equifax customer service and requested a dispute of those accounts against my Credit profile. \nI was offended by the process of how Equifax handled my dispute request. Here are my primary complaints : 1. Dereliction of duty Equifax required me to submit a lot of supporting documents ( W-2, pay-stub, SSN Card, Drivers License, Address, Rental Agreement, Utility Bill, etc ) to validate my identity, which in my opinion exposed their failure to protect users ' credit info but to return the responsibility to the user to prove his identity. \n2. Processing speed very slow Despite Equifax 's dereliction of duty, I still submitted those docs accordingly. However, it took Equifax nearly a month only to be able to verify my identity, not even mentioning investigating the inaccurate info requested in my dispute request against the credit report they provided. Interestingly, their call center representative told me this process only takes no more than a week in general. \n3. Unresponsive customer call center representatives During the processing time, I telephoned their call center quite a few times tracking the updates. However, none of them was useful. Every time what I can only hear was their emphasis on they couldn't see anything from their database, so I had to either wait or to re-submit again. They even suspected me mailing the docs to the wrong place. Ironically, the mailing address was provided by Equifax. I believe it was because of their internal miscommunications which caused the delay, however, what I felt about the attitude from the representative was \" We can't do anything from our Equifax side. If you want us to process the dispute, you have to provide this and this, that and that ... '', even forgetting the cause of this inconvenience may possibly be the recent data exposure to the hacker, in which Equifax was the one at fault, not us customers. \n4. Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by Equifax, and got proof from them those accounts don't exist. Therefore, I believe ( a ) my credit profile was XXXX up by Equifax entirely ; ( b ) Equifax didn't demonstrate well attitude on supporting me getting this cleared up. I got tired calling Equifax again and again. I'd like to come here for additional help from you.","date_sent_to_company":"2019-07-05T07:36:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95126","tags":null,"has_narrative":true,"complaint_id":"3296519","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-05T07:21:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Problem still unresolved Now I received their full credit report, but still notice lots of wrong information recorded on the report which are not relevant to me at all ( wrong former name, non-existing accounts opened by me, invalid credit inquiries, etc ). I proactively contacted the banks I don't think I have any accounts with, but was reported by Equifax, and got proof from them those accounts don't exist."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[11.888152,"3296519"]},{"_index":"complaint-public-v1","_id":"18079299","_score":11.5131035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian responded to this compliant stating potential Fraud. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \n\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 CFPB Deletion Request Letter for XXXX Charge-Off Subject : Request for Investigation & Deletion Due to Inaccurate and Incomplete Credit Reporting XXXX XXXX To Whom It May Concern, I am filing this complaint because XXXX XXXX is reporting inaccurate, inconsistent, and incomplete information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 623 ( A ). Account in question : XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX XXXX. XXXX is reporting inconsistent payment history ( ND mixed with CO ) The payment history on this account shows erratic and inconsistent reporting, including months marked as ND ( No Data ) immediately before and after months marked CO ( Charge Off ). Examples : ND reported in months where the account was already charged-off CO reported again after months with ND Gaps in reporting that do not align with a charged-off account A creditor must report information accurately and consistently, especially after a charge-off. ND mixed with CO is not consistent with a true charge-off timeline and creates confusion in my credit file. This violates FCRA 623 ( A ) ( 1 ) ( A ), which states that furnishers must not report information they know or have reasonable cause to believe is inaccurate. 2. The Status Updated date does not match the monthly data being furnished The account shows : Status Updated : XX/XX/XXXX However, payment history is still being furnished for dates up to : XX/XX/XXXX This is contradictory and misleading. This violates FCRA 607 ( B ) : the requirement to maintain maximum possible accuracy. XXXX. XXXX continues updating the balance monthly after charge-off Despite the account being charged off in XXXX, XXXX continues updating the balance updated field as recently as XX/XX/XXXX. A charged-off account should not show active monthly changes unless the consumer is actively paying which I am not. This inaccurate monthly updating makes the derogatory appear new, harming my credit more than allowed under FCRA. XXXX. The credit limit was increased after charge-off and during my dispute This is inconsistent and misleading. A creditor does not raise a credit limit on an account already in charge-off status. This appears to be additional inaccurate information being furnished during an active dispute. XXXX. The reporting is not consistent, complete, or accurate Because of : Mixed ND/CO reporting Status date not matching reported activity Balance continuously updated Incorrect credit limit reporting Irregular charge-off timeline This account is not being reported in a manner that meets the maximum possible accuracy requirement under the FCRA. For these reasons, I request : REQUESTED RESOLUTION I am requesting that the CFPB compel XXXX XXXX to either : XXXX. Correct ALL inaccurate and inconsistent reporting immediately, XXXX XXXX. Delete the account completely from my credit reports if XXXX can not furnish the data in a consistent, accurate, and verifiable format as required by FCRA XXXX ( A ) and XXXX ( B ). Given the multiple reporting irregularities, deletion is the only remedy that ensures compliance with the FCRA. \n\nATTACHMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nPotential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.","date_sent_to_company":"2025-12-16T17:35:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70403","tags":null,"has_narrative":true,"complaint_id":"18079299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-16T17:31:35.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \n\nWe will review your complaint."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[11.5131035,"18079299"]},{"_index":"complaint-public-v1","_id":"4414707","_score":10.980023,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I removed names and addresses and phone numbers from their response. \n\nI submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.\n\nDiscover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. \n\nThe complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. \n\nDiscover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. \n\nPlease resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. \n\nBellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit 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 Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. \n\nATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No","date_sent_to_company":"2021-05-28T23:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-05-28T22:41:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Was not notified of investigation status or results"]},"sort":[10.980023,"4414707"]},{"_index":"complaint-public-v1","_id":"3565910","_score":10.718977,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hi, My name is XXXX XXXX & I submitted a complaint regarding Experian on XX/XX/2020. The choices arent that cut and dry as I dont and have not only had one issue so it doesnt fall under one drop down category. I am submitting this in addition to my first one because when submitting my first one ( only one until this ) I could not attach all files. I have more to attach but also the choice isnt exactly there. No one has been working on this, getting back to me, all of the issues with one minute it states welcome back next states create an account and pay, next lets me log in through their regular site yet I get notifications from their portal alerting me of things and two solid months have been the most ever and I can not log in to view therefore I havent been able to address one thing. Not one thing and there are legitimate things on my credit report that are fraudulent, never should be there, dates are wrong for reporting, I call and they say they dont know what fast mail is when I reset my password, they said my account was locked and then frozen and I said you need to be able to help me as those are not the same things and placing a freeze has nothing to do with me viewing my credit report and logging in and so much more. \n\nEvery avenue I have taken has hindered me and / or gave me incorrect information. They should not answer these calls of thats the case. Credit is huge and critical especially when trying to get a car and have never had them flat out decline me. Time is of the essence and how is a person suppose to call all day long daily? There is not just one number and sadly ( one of the other reasons Im submitting this addition ) is because they gave me an email address and I took the time to write and write and Ive written so much this is not right or fair to do to a person. This company has a serious issue and what is concerning is that they have been selected to monitor other ones data breaches. I will in fact take that further now that I see this. The general population thinks XXXX and XXXX has issues well these people have serious issues especially when they can not tell me what the issue is with my account. I was able to file 3 sentence dispute on my online account and get notified its complete and literally in 2 days but I cant see it and no one will tell me. How can I move forward? I cant. \n\n\nBelow is my complaint I submitted that I referenced here. Further down I have added more detail and attaching what I couldnt. I have spent more time on screen shots and emails and calls and have put my life on hold and this is not fair. I am getting collection calls suddenly from a place I never have and now its showing on my credit report. I have more things showing as well. Its too much. An email I just got after submitting this to you on XX/XX/2020 ironically gets replied back to me today XX/XX/2020 and the reply is not acceptable. I wrote XXXX two emails explaining why Im contacting them and the reply is pawning me off to the same number. Unreal. What is this email address for then? They need to respect and answer that. I called again because this is serious and my credit does have issues however a lot are not accurate and affecting my score in addition to the comments and being there at all. Are they robots? Im confused? Does XXXX XXXX for example state they are going to correct my incorrect reporting for 7 months and then I read along the lines of resolved after customer or consumer disputes? Those are not the exact words but whatever it is is not accurate so do they just type in what wells in this case writes? I do not know how it works. I do not see how a consumer with a legitimate issue has like 100 letters to write. That is not ever going to tell the situation. I would never do this to myself if this was a problem. Ever. So the choice was problem with credit reporting company investigation wasnt the case but it wasnt any others either. I selected incorrect info like address or fraud but I am not dishonest and no idea if any is fraud. I also forgot ( there is so much its too much to even keep a handle on ) I have perfect payment with my cell which Ive been with XXXX for 23 years, all utility bills etc., when I saw Boost I thought what a great idea and I always thought about how much random and wrong information there is and for example it says I work at XXXX XXXX and XXXX XXXX and those dont even exist or ever have or know what that is and why in the world that would be there so relative a positive information other then credit card, house and car basically are there. I have gone through a horrible horrible two years and I read removing things like that dont make a difference so Im not going to put my energy and efforts there. I would be concerned anyway how it would get fixed and strange comments. Its like I have owned 4 homes and sold them all and never missed a mortgage payment but that solid and serious solid detail falls off and homes are so important and all of my cars payment history have been close to perfect but these last few years. So that Experian boost didnt work. It said free and wasnt free and I sat there and filled out so much information and if not free it was worth it since Im sitting here waiting and people not calling back and debating if a discovercard was being used in one of my very best friends name if pursuing that is worth it. I probably should have long ago. There are things I dont even know what they are. So it stated I needed to create account and I did and for about the XXXX it said I have an account .. same thing happens. It would have been worth paying for but their things dont work and dont appear to be truthful just like the credit report I got that says free with score but it was a short / limited version with no FICO. \n\nYou can see that the boost screen shots i attached were way before I even called the CFPB. I never knew this would pile up like this. There isnt a way that I have been able to get close to a dispute and provide honest details. Just like the XXXX dispute that says resolved but I dont have two cards. I cant dispute anything else either let alone read or log in to important things that are emailed to me from them. \n\nWeve received your complaint. \nWell send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem Im attaching the remaining plus the email I got today.","date_sent_to_company":"2020-03-13T20:16:43.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"852XX","tags":null,"has_narrative":true,"complaint_id":"3565910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-13T19:11:11.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem Im attaching the remaining plus the email I got today."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with fraud alerts or security freezes"],"sub_product":["Credit reporting"]},"sort":[10.718977,"3565910"]},{"_index":"complaint-public-v1","_id":"16280353","_score":10.458464,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN NON-COMPLIANCE NON-COMPLIANCE EXPERIAN NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE EQUIFAX NON-COMPLIANCE CFPB NON-COMPLIANCE TRANSUNION. \n\nTHIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX NOT A DUPLICATE DISPUTE AI!! ! XXXX EXPERIAN NEVER DID A INTERNAL INVESTIGATION INTO THIS MATTER, EXPERIAN JUST CLOSED MY CASE WITHOUT LETTING ME RESPONDE. \n\nSO I COPIED AND PASTED EXPERIAN 'S RESPONSE. \nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a 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 TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened? \nTRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nTRANSUNION CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan ) XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company CONSUMER FINANCE PROTECTION BUREAU Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Retired Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXXo company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \nPotential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \n\nWhat do I do? \n\nYou can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. \n\nXXXX XXXX XXXX XXXXXXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. \n\nYou can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXXXXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-30T22:47:07.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16280353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-30T22:46:42.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened?"],"product":["Credit reporting or other personal consumer reports"],"issue":["Credit monitoring or identity theft protection services"],"sub_product":["Credit reporting"]},"sort":[10.458464,"16280353"]},{"_index":"complaint-public-v1","_id":"16281991","_score":10.45466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN NON-COMPLIANCE NON-COMPLIANCE EXPERIAN NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE EQUIFAX NON-COMPLIANCE CFPB NON-COMPLIANCE TRANSUNION. \n\nTHIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX NOT A DUPLICATE DISPUTE AI!! ! XXXX EXPERIAN NEVER DID A INTERNAL INVESTIGATION INTO THIS MATTER, EXPERIAN JUST CLOSED MY CASE WITHOUT LETTING ME RESPONDE. \n\nSO I COPIED AND PASTED EXPERIAN 'S RESPONSE. \nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a 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 TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened? \nTRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nTRANSUNION CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan ) XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company CONSUMER FINANCE PROTECTION BUREAU Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Retired Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXXo company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \nPotential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \n\nWhat do I do? \n\nYou can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. \n\nXXXX XXXX XXXX XXXXXXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. \n\nYou can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXXXXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-30T22:47:10.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16281991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-30T22:46:42.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened?"],"product":["Credit reporting or other personal consumer reports"],"issue":["Credit monitoring or identity theft protection services"],"sub_product":["Credit reporting"]},"sort":[10.45466,"16281991"]},{"_index":"complaint-public-v1","_id":"2542429","_score":9.903137,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I was the victim of identity theft which I repor ted in XX/XX/XXXX . I received the assistance/guidance from XXXX from the Identity Theft Resolution Department, a service which I pay USAA monthly for. I followed all instructions as provided by USAA, filing reports with the FTC and XXXX Police Department and provided USAA with all requested case numbers. It took USAA quite a while to correct the fraudulent billing errors as they were on multiple USAA credit cards, during which time their agents repeatedly reported the same c ase multiple times instead of updating the existing case. In the end I had to get help from someone in the CEO 's office who got everything corrected. I received letters stating the credits were now permanent and the the investigation had been concluded in my favor. Despite being against consumer protection and way beyond the 90 days allowed by law to finalize any billing dispute as allowed by law in XX/XX/XXXX more than 12 billing cycles later, without any notice, documentation or explanation USAA has charged me back for all the \" permanent credits '' on only one of my affected credit cards. USAA has refused to provide any explanation, information or documentation for the charges despite my repeated requests. I have been told USAA re-investigated the case on my XXXX XXXX Card only because because of a new fraud claim opened on my debit card. One which was only opened because the USAA agent I spoke with was unsure how to open the claim from my utility company charging me for someone else 's bill. It was under USAA 's guidance and suggestion that the new claim be processed as fraud. Now because of their own suggestion they have charged me back without notice or reason on an unrelated credit card despite the new claim being investigated and found in my favor. To make matters worse, USAA has begun taking adverse action against me with out providing any notice as required by law. Not only have they limited access to my credit card in question, but they have limited my access to all my accounts I currently have with USAA. I am unable to pay my bills, view the balances of my checking, credit, investment, auto loans, insurance accounts, transfer funds, access my insurance statements or policies. I am unable to view or respond to messages fro m USAA, or even access my funds electronically in any of my accounts. USAA has als o made several reports to the credit reporting agencies regarding the disputed charges which has lowered my overal credit rating. Even though legally USAA is required to provide notice prior to taking any adverse action, and legally not allowed to take adverse action while an account is being disputed I never received any advance notice or documentation of ANY kind despite repeated requests and phone calls regarding any of these actions. Additionally, I have made repeated attempts to conta ct USAA regar ding these many problems. Most recently I left multiple voicemail 's for XXXX in the CEO 's office. Finally on XX/XX/XXXX , weeks later I received a call which went straight to my voicemail from XXXX , I attempted to contact her immediately but was sent straight to voicemail. At which time I called the CEO 's of fice and spoke with XXXX , who informed me XXXX was currently on another call, but would have her call me back ASAP. It is not after hours o n XX/XX/XXXX me aning the bank is closed until Monday XX/XX/XXXX and I have yet to receive any accessible form of communication from XXXX . I have been calling and trying to get these many issues and violations of my legal rights corrected as I need to pay my other bills for a month now. USAA has effectively without notice, cause or justification effectively put a strangle hold on my finances preventing me from being able to pay any of my bills, view or access any of my accounts which will begin causing massive penalty fees and destroy my credit rating even further than they have already. USAA 's refusal to this day to adhear to the legally alloted time frame for billing disputes, violation of documented notices and agreements provided by USAA, provide any notice, documentation, respond or communicate to my requests in a reasonable or timely manner, in addition to taking adverse action on my credit report, affected card and every other USAA accounts has violated multiple consumer protection laws","date_sent_to_company":"2017-06-12T18:28:34.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"2542429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-06-10T00:11:28.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I followed all instructions as provided by USAA, filing reports with the FTC and XXXX Police Department and provided USAA with all requested case numbers. It took USAA quite a while to correct the fraudulent billing errors as they were on multiple USAA credit cards, during which time their agents repeatedly reported the same c ase multiple times instead of updating the existing case. In the end I had to get help from someone in the CEO 's office who got everything corrected."],"product":["Credit card or prepaid card"],"issue":["Problem with a purchase shown on your statement"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Credit card company isn't resolving a dispute about a purchase on your statement"]},"sort":[9.903137,"2542429"]},{"_index":"complaint-public-v1","_id":"14578698","_score":9.65474,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OVER THIRTY DAYS OVER THIRTY DAYS OVER THIRTY DAYS Inactive XXXX XXXX XXXX An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a 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 ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and XXXX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX XXXX REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER 44 YEARS OLD [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. Racial Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and XXXX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX XXXX REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXXXXXX XXXX XXXX XXXX XXXX I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF XXXX ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS.\n\n3 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information XXXX credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company XXXX Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information AgXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nPrivacy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? Preguntas? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nMore thXXXX XXXX XXXXes available. \nXXXX XXXX An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-07-10T14:11:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578698","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T14:11:10.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened?"],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[9.65474,"14578698"]},{"_index":"complaint-public-v1","_id":"14578391","_score":9.645822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OVER XXXX DAYS OVER XXXX DAYS OVER XXXX DAYS Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a 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 ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXX ( XXXX MB ) Attachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX ) .PDF ( XXXX KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXX ( XXXX MB ) I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF EXETER ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. \nXXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX ) .XXXX ( XXXX KB ) What company is this complaint about? \nXXXX XXXX Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian XXXX XXXX Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company?\n\ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company XXXX Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX XXXX XXXXXXXX, XXXX, or XXXX Origin No XXXX \" OTHER '' Household size including total number of adults and children XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Veteran Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXX XXXX company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in XXXX days. In some cases, the company will let you know their response is in progress and provide a final response in XXXX days. \n\nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nXXXX Flag An official website of the United States Government Inactive XXXX XXXX modal Complaint Detail","date_sent_to_company":"2025-08-13T14:00:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578391","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T14:00:22.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened?"],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[9.645822,"14578391"]},{"_index":"complaint-public-v1","_id":"14578692","_score":9.641443,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a 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 ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all XXXX Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF EXETER ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. \nXXXX attachments XXXX uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) What company is this complaint about? \nCompany Information XXXX credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian XXXX XXXX Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo XXXX XXXX XXXX XXXX Equifax Credit Bureau Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX Origin No Race \" OTHER '' Household size including total number of adults and children XXXX Combined annual household income $ XXXX Service details Branch : XXXX XXXX XXXX XXXX : Veteran Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXX XXXX company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( except federal holidays ). \nMore than XXXX languages available. \nXXXX XXXX An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-07-28T17:21:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T13:42:57.000Z","state":"LA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened?"],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[9.641443,"14578692"]},{"_index":"complaint-public-v1","_id":"13407147","_score":9.437273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a late payment record history reported to the credit bureaus on my account with TD XXXX XXXX XXXX XXXX XXXX . This late payment in XXXX XXXX as more than XXXX late was the direct result of significant changes to TD XXXX XXXX XXXX XXXXXXXX account and XXXX XXXX XXXX, and the impact and details of which were not properly communicated to me as a customer. \nXXXX. In late XX/XX/XXXX, TD XXXX XXXX XXXX XXXX XXXX implemented changes to its payment processing systems, moving from the My Online Account ( XXXX ) system/platform to My TD XXXX ( XXXX ). \nXXXX. On XXXX, XXXX I received an email notification that TD Retail cards and my XXXX XXXX account would be moving to a new system XXXX with a new Logon link to the new system. The email noted : WHATS Next : As we get closer to completing our system upgrade, we will provide any updates or important information by email, on your billing statement and on our Cardholder Resources page. We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. \nNOTE : A copy of this and other email notifications is attached to this letter as supporting documentation. \nXXXX. On XX/XX/XXXX, an email notification was sent to customers informing that : IMPORTANT : The websites you currently use to log into your account XXXX and XXXX will no longer be available after XX/XX/XXXX. \nWHAT YOU NEED TO KNOW : From XX/XX/XXXX through XX/XX/XXXX, online account management will be unavailable. If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \nXXXX. There was NO notification that move to the new system would impact existing payment methods and Automatic Payments and require customers to re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. None of the communications sent me as a customer via email or otherwise, or on the website linked in the email communications provided this significant and important further information on the change. \nXXXX. The Only mention of any payment impact was during the dates of XX/XX/XXXX to XX/XX/XXXX in the XX/XX/XXXX notification email : During which time If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \no There was NO mention of other impacts, that existing payment setup and account settings would not be migrated/transferred to the new system and any requirements to re-register for payments including Automatic Payments and account notifications etc. \nXXXX. There was No clear information provided by TD XXXX XXXX XXXX on the details changes and any requirements for customers beyond registering for an account in the new system was provided in these notification emails and communications from TD Retail Card Services and the information page link provided for further details/learn more ( a copy of the website and the email notifications are attached to this letter as supporting evidentiary documentation ). \n\nUnfortunately, as a result of this lack of clear notification of changes by TD XXXX XXXX XXXX and the subsequent failure to re-register my automatic payments in the new system, and notify of a requirement to re-register payment accounts and re-setup Automatic Payments a payment was missed which I was not made aware of until it was more that 30 days past due, leading to a late payment record being reported to the credit bureaus. This has adversely affected my credit score and financial standing.\n\nIn accordance with the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : 1026.9 - Subsequent Disclosure Requirements, credit card issuers are required to provide timely and clear disclosures about significant changes to account terms, including payment systems. The failure to clearly notify me of these changes and requirements including those that impact payments constitutes a violation of this regulation.\n\nFurther, 1026.10 ( f ) Changes by the card issuer, states credit card issuers are required to notify consumers of significant changes to their systems that affect payment processing. Additionally, if such changes result in a late fee or finance charge, the issuer must waive or remove the fee or charge, or credit the consumer 's account in an amount equal to the fee or charge.\n\nReference 1026.10 ( f ) of the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : ( f ) Changes by card issuer. If a card issuer makes a material change in the address for receiving payments or procedures for handling payments, and such change causes a material delay in the crediting of a payment to the consumer 's account during the 60-day period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account during the 60-day period following the date on which the change took effect.\n\nI have provided copies of the various email notifications from TD XXXX XXXX XXXX XXXX XXXXXXXX and the transition webpage page as supporting documentation of the failure to provide clear disclosure and notification of changes to the account and payment management systems, including failing to notify customers that customers will be required re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. \nThese communications Stated Only : We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. Without any other required significant information on the impact of the change to payment methods for customers, including Automatic Payments and account management alert settings etc. These significant details should have been provided in accordance with the Truth in Lending Act ( Regulation Z ) : 1026.9 and 1026.10 with at least 45 days notice.\n\nI have NEVER had any payment late 30 days or more in my credit history with ANY account and always been diligent in managing my financial obligations. As a loyal customer, I have always taken great care to ensure timely payments on my account since opening my XXXX XXXXTD XXXXXXXX XXXX account in XX/XX/XXXX I have experienced ongoing issues with Auto Payment processing with the older myonlineaccount.net system that resulted in payments not being properly processed by TD Retail XXXX XXXX as scheduled. This was confirmed on multiple occasions with TD agents with whom I spoke with to understand the issues in the past 18 months, resolve and correct to withdrawal from my TD Bank checking account. Agents helped to both edit and/or remove and re-add the TD Checking account directly on multiple occasions because they could see this was an error on TDs system which had failed to attempt to take the payment from my TD bank account, despite all the details being correct. The last time the agent still could not explain why this had been happening. You will find all these problems and agents assisting to correct the issues on TD Retail Card systems noted on my account history. \n\nI have directly contacted the lender in writing with a letter including these details and supporting documentation. The response received was that they completed their investigation and not changes have been made. There was not information specifically regarding the late payment history record from XXXX and my supporting documentation and statements that they failed to provide proper notification to consumers such as myself of the change impact on payments including automatic payments and account management alerts and that customer need to take important action to re-setup payment accounts and automatic payments to avoid payment issues. They provided no supporting information to demonstrate that they had in fact provided such required detailed information to customers. Attempts to call directly and speak to anyone in the Dispute department results and endless call transfers and told you must mail a dispute. I have not been able to speak with a supervisor or anyone regarding the issue being disputed and why they will not remove the late payment /miss payment history record.","date_sent_to_company":"2025-05-08T22:15:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13407147","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-05-08T21:24:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I disputed a late payment record history reported to the credit bureaus on my account with TD XXXX XXXX XXXX XXXX XXXX . This late payment in XXXX XXXX as more than XXXX late was the direct result of significant changes to TD XXXX XXXX XXXX XXXXXXXX account and XXXX XXXX XXXX, and the impact and details of which were not properly communicated to me as a customer. \nXXXX."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[9.437273,"13407147"]},{"_index":"complaint-public-v1","_id":"3701481","_score":9.320034,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint involves EXPERIAN : I submitted the complaint below and experian fraudulently provided the following response, \" Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' I am requesting Experian provide the bases for their allegation the complaint was not authorized by me. This is another example of Experian 's obfuscation in dealing with credit matters in good faith and validates they are unmitigated liars in all their conduct, on information or belief. Experian appears to represent an ongoing criminal enterprise in which they conspire with the lenders to inflate credit scores, interest rates which in turn negatively impacts the national economy. \n____________________________________________________________________l Previously submitted complaint Experian failed to investigate.\n\nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported. \n\nATTACHMENTS Credit Cards.pdf ( 125.9 KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened? \nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \n\n\n\n\n\n\nWhat would be a fair resolution to this issue? \nI am seeking a fair resolution to have all three of the attached accounts reported on each of my three credit bureau reports. All of the cards reflect favorably to my credit score, Without these accounts being reported, my scores are being artificially XXXX thereby increasing my cost of credit. With 40.5 million people out of work, the three credit bureaus should be doing more to help and assist, but I believe their primary client, the financial industry are their main concern. \n1 attachment View uploaded documents by clicking on the file name Credit Cards.pdf ( 125.9 KB ) What company is this complaint about? \nCOMPANY INFORMATION EXPERIAN SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX ADDITIONAL COMPANY XXXX SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \ntrue ATTEMPTED TO FIX WITH THIS COMPANY? \nYes ADDITIONAL CREDIT REPORTING COMPANY XXXX SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \nYes ATTEMPTED TO FIX WITH THIS COMPANY? \nYes What people are involved? \n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX United States Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, \" if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. You also may write to us at the address on your Experian personal credit report. Be sure to include the following information : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions, or postal service forwarding orders as proof of your address and identity. To protect your personal information, Experian requires your authorization for any request on your behalf and we do not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Include the account name and number for any item on your credit report that you wish to dispute, and state the specific reason why you feel the information is inaccurate. The dispute process may take up to 30 days ( 45 days when disputing information in your annual free credit report ). Once we complete the processing of your dispute, we will promptly notify you of the outcome. In addition, there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2020-06-16T19:17:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"3701481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-16T19:07:15.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["ATTACHMENTS Credit Cards.pdf ( 125.9 KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem 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