{"took":89,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2184,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6713232","_score":17.828691,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Improper use of your report ( shared without consent, credit inquiries from unknown sources ). \nReporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ). \nCredit reporting, credit repair services, or other personal consumer reports. \nCredit reporting","date_sent_to_company":"2023-04-18T23:08:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33069","tags":null,"has_narrative":true,"complaint_id":"6713232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-17T13:09:39.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ). \n<em>Reporting</em> company used your <em>report</em> <em>improperly</em> ( obtained or used for purposes that aren't allowed by law ). \n<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>. \n<em>Credit</em> <em>reporting</em>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.828691,"6713232"]},{"_index":"complaint-public-v1","_id":"12505855","_score":17.348158,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please reference Complaint ID : XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report","date_sent_to_company":"2025-03-16T16:15:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"309XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12505855","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-16T16:15:18.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please reference Complaint ID : XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Improper</em> use of your <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.348158,"12505855"]},{"_index":"complaint-public-v1","_id":"12506517","_score":17.30447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please reference Complaint ID : XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report","date_sent_to_company":"2025-03-16T16:15:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"309XX","tags":"Servicemember","has_narrative":true,"complaint_id":"12506517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-16T16:15:18.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please reference Complaint ID : XXXX SUBMITTED ON XX/XX/year> PRODUCT <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Improper</em> use of your <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.30447,"12506517"]},{"_index":"complaint-public-v1","_id":"14563137","_score":17.208239,"_source":{"product":"Credit card","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 Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX 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","date_sent_to_company":"2025-07-10T11:00:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sparrow Financial, Inc.","date_received":"2025-07-10T08:58:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of problem are you having? \nInactive modal ISSUE <em>Improper</em> use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> <em>improperly</em> What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.208239,"14563137"]},{"_index":"complaint-public-v1","_id":"14563044","_score":17.13653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me 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? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:00:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T08:45:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of problem are you having? \nInactive modal ISSUE <em>Improper</em> use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> <em>improperly</em> What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.13653,"14563044"]},{"_index":"complaint-public-v1","_id":"14583189","_score":17.112768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me 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? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:00:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14583189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T08:54:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of problem are you having? \nInactive modal ISSUE <em>Improper</em> use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> <em>improperly</em> What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.112768,"14583189"]},{"_index":"complaint-public-v1","_id":"14563417","_score":17.112768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me 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? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:01:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563417","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T08:54:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of problem are you having? \nInactive modal ISSUE <em>Improper</em> use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> <em>improperly</em> What happened? \nthese are fraud accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.112768,"14563417"]},{"_index":"complaint-public-v1","_id":"8663546","_score":16.581736,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I reported to XXXX regarding an improper credit report. The case was closed, but after a few years, they reported it again, causing it to show up on my credit score. I am requesting assistance in deleting this report. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor","date_sent_to_company":"2024-04-01T03:48:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94703","tags":null,"has_narrative":true,"complaint_id":"8663546","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-01T03:26:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Improper</em> use of your <em>report</em> XXXX XXXX XXXX XXXX  XXXX XXXX Last <em>reported</em> XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.581736,"8663546"]},{"_index":"complaint-public-v1","_id":"12056843","_score":15.532778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Equifax for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports suggest that Equifax, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). If true, this represents a serious violation of consumer rights, privacy laws, and financial regulations, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. \n\nDetails of the Complaint : Unauthorized Access & Data Disclosure : I believe my personal credit and financial data, as stored and managed by Equifax, was accessed or shared without my knowledge or consent. \nPotential Violations of Federal Laws : If Equifax shared my personal financial data with unauthorized partiesincluding those affiliated with XXXX XXXX and DOGEthis would constitute a breach of multiple consumer protection laws, including : FCRA ( which governs how credit bureaus handle consumer information ) GLBA ( which requires financial institutions to protect consumer privacy ) Privacy Act of 1974 ( if my information was improperly accessed by government-affiliated entities ) Failure to Protect Consumer Information : As a credit reporting agency, Equifax has a legal obligation to secure consumer data and prevent unauthorized access.","date_sent_to_company":"2025-02-11T21:20:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32216","tags":null,"has_narrative":true,"complaint_id":"12056843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-11T21:13:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against Equifax for the unauthorized access and potential disclosure of my <em>personal</em> financial and <em>credit</em> information. Recent <em>reports</em> suggest that Equifax, along with <em>other</em> financial institutions, may have <em>improperly</em> granted access to sensitive <em>consumer</em> data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE )."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.532778,"12056843"]},{"_index":"complaint-public-v1","_id":"9206178","_score":15.360769,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint against Robinhood Credit XXXX XXXX due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. \n\nDetailed Summary : 1. **Lack of Initial Privacy Notice : ** According to 15 U.S. Code 6803, Robinhood Credit XXXX XXXX is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with Robinhood CrediXXXX XXXX XXXX \n\n2. **Violation of Federal Privacy Laws : ** The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. \n\n3. **Improper Information Sharing : ** Due to the lack of the required privacy notice, I was not informed about Robinhood Credit XXXX XXXX XXXX policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section 6802 ( e ). As a result, Robinhood Credit XXXX XXXX has shared my personal information without providing me with adequate notice.","date_sent_to_company":"2024-06-08T05:42:34.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"33837","tags":null,"has_narrative":true,"complaint_id":"9206178","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2024-06-08T05:36:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This failure to comply with legal requirements has compromised the transparency and understanding of how my <em>personal</em> information is handled. \n\n3. **<em>Improper</em> Information Sharing : ** Due to the lack of the required privacy notice, I was not informed about Robinhood <em>Credit</em> XXXX XXXX XXXX policies and practices regarding the sharing of my nonpublic <em>personal</em> information with <em>consumer</em> <em>reporting</em> agencies and <em>other</em> third parties as allowed under section 6802 ( e )."],"product":["<em>Credit</em> card"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.360769,"9206178"]},{"_index":"complaint-public-v1","_id":"4734735","_score":15.336724,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The XXXX XXXX Residential Dispute was not properly investigated or handled. I did not verbally authorize this credit pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a credit pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report","date_sent_to_company":"2021-09-20T07:07:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32563","tags":null,"has_narrative":true,"complaint_id":"4734735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-20T03:07:30.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I did not verbally authorize this <em>credit</em> pull, and no proof has been provided to the contrary. I have read the letters that were sent to me and no proof was provided that I authorized a <em>credit</em> pull. By denying this dispute and not providing proof of your investigation, you are breaking the law. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Improper</em> use of your <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.336724,"4734735"]},{"_index":"complaint-public-v1","_id":"12038998","_score":15.075919,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against TransUnion for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports indicate that TransUnion, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). This constitutes a severe violation of consumer rights, privacy laws, and financial regulations. \n\nDetails of the Complaint : Unauthorized Access : I believe my personal credit and financial data, as stored and managed by TransUnion, has been accessed or shared without my consent. \nPotential Privacy Violation : If TransUnion has disclosed my data to unauthorized parties, including those associated with DOGE or XXXX XXXX, this is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. \nFailure to Protect Consumer Information : As a major credit reporting agency, TransUnion has a legal obligation to secure consumer data and ensure it is not accessed or misused by unauthorized entities.","date_sent_to_company":"2025-02-11T21:13:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32216","tags":null,"has_narrative":true,"complaint_id":"12038998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-11T20:58:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against TransUnion for the unauthorized access and potential disclosure of my <em>personal</em> financial and <em>credit</em> information. Recent <em>reports</em> indicate that TransUnion, along with <em>other</em> financial institutions, may have <em>improperly</em> granted access to sensitive <em>consumer</em> data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). This constitutes a severe violation of <em>consumer</em> rights, privacy laws, and financial regulations."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.075919,"12038998"]},{"_index":"complaint-public-v1","_id":"15618580","_score":14.832474,"_source":{"product":"Debt collection","complaint_what_happened":"Collection : National Credit Systems Account # # XXXX To Whom It May Concern, I am writing to formally dispute and demand immediate removal of an unauthorized collection account reported on my credit National credit systems which appears to have been obtained and reported based on information provided by a third party who is not legally entitled to share my personal data. \nThis account is not mine, and I have not authorized the collection agency in question to access, use, or report my personal information to Equifax or any other consumer reporting agency. Based on my investigation, it appears that my personal information may have been improperly obtained from a third party ( possibly the original creditor or debtor ), without my consent, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and potentially other state or federal privacy laws. \nI demand the following actions be taken immediately : 1. Removal of the disputed collection account from my credit report, as it is not mine and was reported based on improperly obtained information. \n2. Written confirmation of the deletion of the account from my credit file. \n3. A full reinvestigation under FCRA 1681i, including the method of verification, and the name and contact information of the entity that supplied the disputed information. \n4. A complete accounting of any parties who have accessed my credit report in relation to this account. \nIf XXXX fails to comply with this request within the time frame allotted under the FCRA ( typically 30 days from receipt of this dispute ), I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action for damages resulting from this violation of my consumer rights and privacy. \nEnclosed are copies of my identification and a copy of the page ( s ) of my credit report showing the disputed information. \nSincerely,","date_sent_to_company":"2025-08-29T19:03:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"15618580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2025-08-29T18:54:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This account is not mine, and I have not authorized the collection agency in question to access, use, or <em>report</em> my <em>personal</em> information to Equifax or any <em>other</em> <em>consumer</em> <em>reporting</em> agency. Based on my investigation, it appears that my <em>personal</em> information may have been <em>improperly</em> obtained from a third party ( possibly the original creditor or debtor ), without my consent, in direct violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S."],"company":["National <em>Credit</em> Systems,Inc."]},"sort":[14.832474,"15618580"]},{"_index":"complaint-public-v1","_id":"5819925","_score":14.812819,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a disputed of improper reporting on XX/XX/2022. The credit bureaus have a responsibility of \" investigating the consumer. '' According to the FCRA, the term \" investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/ she is acquainted or who may have knowledge concerning any such items of information. \n\nThey stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not 100 percent accurate. According to the FCRA 15 USC 1681 everything has to be accurate and a consumer reporting agency can not furnish an account with out my written instructions. \n\nThe following accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX University XXXX XXXX XXXX XXXX XXXX  XXXX XXXX","date_sent_to_company":"2022-07-28T17:59:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11520","tags":null,"has_narrative":true,"complaint_id":"5819925","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-28T17:59:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>credit</em> bureaus have a responsibility of \" investigating the <em>consumer</em>. '' According to the FCRA, the term \" investigative <em>consumer</em> <em>report</em> '' means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumer</em> 's character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he/ she is acquainted or who may have knowledge concerning any such items"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.812819,"5819925"]},{"_index":"complaint-public-v1","_id":"5819917","_score":14.804333,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a disputed of improper reporting on XX/XX/2022. The credit bureaus have a responsibility of \" investigating the consumer. '' According to the FCRA, the term \" investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/ she is acquainted or who may have knowledge concerning any such items of information. \n\nThey stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not XXXX percent accurate. According to the FCRA 15 USC 1681 everything has to be accurate and a consumer reporting agency can not furnish an account with out my written instructions. \n\nThe following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-07-28T17:59:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11520","tags":null,"has_narrative":true,"complaint_id":"5819917","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-28T17:34:41.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>credit</em> bureaus have a responsibility of \" investigating the <em>consumer</em>. '' According to the FCRA, the term \" investigative <em>consumer</em> <em>report</em> '' means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumer</em> 's character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he/ she is acquainted or who may have knowledge concerning any such items"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.804333,"5819917"]},{"_index":"complaint-public-v1","_id":"12075695","_score":14.801086,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Experian for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports suggest that Experian, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). If true, this would constitute a severe violation of my consumer rights and multiple federal privacy laws, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. \n\nDetails of the Complaint : Unauthorized Access & Data Disclosure : I believe my personal credit and financial data, as managed by Experian, has been accessed or shared without my consent. \nPotential Violations of Federal Laws : If Experian allowed my data to be accessed by unauthorized partiesincluding individuals affiliated with XXXX XXXX and DOGEthis would represent serious breaches of : FCRA, which governs how credit bureaus handle consumer data. \nXXXX, which mandates that financial institutions protect consumer privacy. \nPrivacy Act of 1974, if any government-affiliated entities improperly accessed my records. \nFailure to Protect Consumer Information : Experian has a legal obligation to secure consumer data and prevent unauthorized access. This breach undermines public trust and puts my financial security at risk.","date_sent_to_company":"2025-02-11T22:20:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32216","tags":null,"has_narrative":true,"complaint_id":"12075695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T22:15:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing a formal complaint against Experian for the unauthorized access and potential disclosure of my <em>personal</em> financial and <em>credit</em> information. Recent <em>reports</em> suggest that Experian, along with <em>other</em> financial institutions, may have <em>improperly</em> granted access to sensitive <em>consumer</em> data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE )."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.801086,"12075695"]},{"_index":"complaint-public-v1","_id":"20407513","_score":14.788566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint regarding the continued reporting of incorrect personal identifying information on my credit report that does not belong to me. \n\nUpon reviewing my credit file, I identified multiple personal identifiers that are inaccurately associated with my profile. These include names, addresses, and other identifying details that I have never used, never been linked to, and do not reflect my true identity. \n\nI have taken steps to address inaccuracies in my credit report ; however, the incorrect personal identifiers remain. The continued association of this information with my credit file indicates a failure to maintain accurate consumer records. \n\nPursuant to the Fair Credit Reporting Act ( FCRA 607 ( b ) ), consumer reporting agencies are required to implement and follow procedures designed to assure the highest level of accuracy in consumer reports. The presence of erroneous identifying information suggests that these procedures are not being properly enforced. \n\nAdditionally, the reporting of incorrect personal identifiers creates a risk that my credit file may be improperly linked with another individuals data. This misassociation can result in serious consequences, including the potential inclusion of accounts, inquiries, or other financial data that do not belong to me. \n\nGiven that this information is incorrect and not attributable to me, it should not be included in my credit file under any circumstances. \n\nI am requesting that the credit reporting agencies conduct a comprehensive file audit and remove any personal identifying information that can not be conclusively verified as belonging to me. \n\nDisputed Personal Identifiers : Employment Record : XXXX XXXX","date_sent_to_company":"2026-03-19T13:24:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32082","tags":null,"has_narrative":true,"complaint_id":"20407513","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-03-19T13:22:34.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I have taken steps to address inaccuracies in my <em>credit</em> <em>report</em> ; however, the incorrect <em>personal</em> identifiers remain. The continued association of this information with my <em>credit</em> file indicates a failure to maintain accurate <em>consumer</em> records. \n\nPursuant to the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA 607 ( b ) ), <em>consumer</em> <em>reporting</em> agencies are required to implement and follow procedures designed to assure the highest level of accuracy in <em>consumer</em> <em>reports</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Personal</em> information incorrect"]},"sort":[14.788566,"20407513"]},{"_index":"complaint-public-v1","_id":"9911858","_score":14.710759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax for Improper Use of Personal Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for what I believe to be improper use of my personal information. \n\nOn XX/XX/year>, I discovered that \" Equifax accessed my credit report without my authorization '' and \" incorrect information was reported on my credit file that adversely affects my chances of obtaining a loan due to incorrect name listed on my credit report. This has caused me significant distress and has negatively impacted me. \n\nDespite my attempts to resolve this issue directly with Equifax. I've submitted all supporting documents. My Driver 's License, utility bill, insuranc, payslip as well. \n\nI believe that this incident constitutes a violation of my rights under the Fair Credit Reporting Act and other relevant consumer protection laws. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Equifax adheres to the regulations governing the use of consumer information. \n\nThank you for your attention to this important matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-08-25T02:51:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20176","tags":null,"has_narrative":true,"complaint_id":"9911858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-25T02:44:52.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX <em>Consumer</em> Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax for <em>Improper</em> Use of <em>Personal</em> Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for what I believe to be <em>improper</em> use of my <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.710759,"9911858"]},{"_index":"complaint-public-v1","_id":"11513161","_score":14.593158,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and improper reporting practices by both TransUnion and XXXX. These credit reporting agencies are unlawfully reporting charge-offs and other financial information on my credit report, which constitutes a violation of my rights under the Right to Financial Privacy Act, 12 U.S.C. 3401, as well as other federal consumer protection laws. \n\nIt has come to my attention that TransUnion and XXXX have been reporting charge-offs and related financial information that effectively disclose my personal income or financial standing without my explicit consent. Reporting such information is not only inaccurate and misleading, but it also violates my privacy rights. \n\nUnder federal law, consumers have the right to control the dissemination of their personal financial information. The following laws are relevant to this complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( b ) : The FCRA mandates that credit reporting agencies must ensure the accuracy of the information they report and limits the use of consumer reports to permissible purposes only. I have not provided explicit consent for either TransUnion or XXXX to report this personal financial information. \n\nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) : The FDCPA prohibits the unauthorized disclosure of consumer information to third parties. By reporting my financial information without my consent, both TransUnion and XXXX are in violation of this provision. \n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. The unauthorized reporting of my personal financial information falls under unfair and abusive practices.\n\nRight to Financial Privacy Act, 12 U.S.C. 3401 : This law protects consumers from the unauthorized disclosure of personal financial information. The actions of TransUnion and XXXX violate this statute by reporting charge-offs that effectively disclose my financial status without my consent. \n\nDetails of My Complaint Both TransUnion and XXXX have reported charge-offs and other financial data on my credit reports that disclose information about my personal financial standing. These entries are harmful to my credit profile, and I have never provided consent for this information to be collected or shared with third parties. This unauthorized reporting has negatively impacted my ability to obtain credit, employment, and housing. \n\nI have formally disputed these inaccurate items with both TransUnion and XXXX, but they have failed to properly investigate and remove the disputed information. Instead, they continue to report this data, in violation of federal law. \n\nMy Request to the CFPB I am requesting that the CFPB take immediate action to investigate the following violations by TransUnion and XXXX : Improper reporting of charge-offs and financial information without consumer consent. \n\nFailure to conduct proper investigations of disputed items, as required by the FCRA.\n\nViolation of privacy rights under the Right to Financial Privacy Act.\n\nFurthermore, I request that the CFPB ensure that both TransUnion and XXXX : Permanently remove any unauthorized or inaccurate financial information from my credit reports. \n\nCease reporting charge-offs and other financial information that effectively disclose my personal income or financial status without my explicit consent. \n\nProvide me with a corrected credit report that reflects the removal of all unauthorized items.","date_sent_to_company":"2025-01-15T02:48:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11513161","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-15T02:48:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am submitting this formal complaint to the <em>Consumer</em> Financial Protection Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and <em>improper</em> <em>reporting</em> practices by both TransUnion and XXXX. These <em>credit</em> <em>reporting</em> agencies are unlawfully <em>reporting</em> charge-offs and <em>other</em> financial information on my <em>credit</em> <em>report</em>, which constitutes a violation of my rights under the Right to Financial Privacy Act, 12 U.S.C. 3401, as well as <em>other</em> federal <em>consumer</em> protection laws."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.593158,"11513161"]},{"_index":"complaint-public-v1","_id":"11515872","_score":14.5923605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and improper reporting practices by both XXXX and Equifax. These credit reporting agencies are unlawfully reporting charge-offs and other financial information on my credit report, which constitutes a violation of my rights under the Right to Financial Privacy Act, 12 U.S.C. 3401, as well as other federal consumer protection laws. \n\nIt has come to my attention that XXXX and Equifax have been reporting charge-offs and related financial information that effectively disclose my personal income or financial standing without my explicit consent. Reporting such information is not only inaccurate and misleading, but it also violates my privacy rights. \n\nUnder federal law, consumers have the right to control the dissemination of their personal financial information. The following laws are relevant to this complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( b ) : The FCRA mandates that credit reporting agencies must ensure the accuracy of the information they report and limits the use of consumer reports to permissible purposes only. I have not provided explicit consent for either XXXX or Equifax to report this personal financial information. \nFair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ) : The FDCPA prohibits the unauthorized disclosure of consumer information to third parties. By reporting my financial information without my consent, both XXXX and Equifax are in violation of this provision.\n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 : The CFPA prohibits unfair, deceptive, or abusive acts or practices ( UDAAPs ) by financial institutions. The unauthorized reporting of my personal financial information falls under unfair and abusive practices.\n\nRight to Financial Privacy Act, 12 U.S.C. 3401 : This law protects consumers from the unauthorized disclosure of personal financial information. The actions of XXXX and Equifax violate this statute by reporting charge-offs that effectively disclose my financial status without my consent.\n\nDetails of My Complaint Both XXXX and Equifax have reported charge-offs and other financial data on my credit reports that disclose information about my personal financial standing. These entries are harmful to my credit profile, and I have never provided consent for this information to be collected or shared with third parties. This unauthorized reporting has negatively impacted my ability to obtain credit, employment, and housing. \n\nI have formally disputed these inaccurate items with both XXXX and Equifax, but they have failed to properly investigate and remove the disputed information. Instead, they continue to report this data, in violation of federal law. \n\nMy Request to the CFPB I am requesting that the CFPB take immediate action to investigate the following violations by XXXX and Equifax : Improper reporting of charge-offs and financial information without consumer consent. \n\nFailure to conduct proper investigations of disputed items, as required by the FCRA. \nViolation of privacy rights under the Right to Financial Privacy Act. \n\nFurthermore, I request that the CFPB ensure that both XXXX and Equifax : Permanently remove any unauthorized or inaccurate financial information from my credit reports. \n\nCease reporting charge-offs and other financial information that effectively disclose my personal income or financial status without my explicit consent. \n\nProvide me with a corrected credit report that reflects the removal of all unauthorized items.","date_sent_to_company":"2025-01-15T02:48:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"11515872","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-15T02:36:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am submitting this formal complaint to the <em>Consumer</em> Financial Protection Bureau ( CFPB ) regarding ongoing violations of federal privacy laws and <em>improper</em> <em>reporting</em> practices by both XXXX and Equifax. These <em>credit</em> <em>reporting</em> agencies are unlawfully <em>reporting</em> charge-offs and <em>other</em> financial information on my <em>credit</em> <em>report</em>, which constitutes a violation of my rights under the Right to Financial Privacy Act, 12 U.S.C. 3401, as well as <em>other</em> federal <em>consumer</em> protection laws."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.5923605,"11515872"]},{"_index":"complaint-public-v1","_id":"15615719","_score":14.536839,"_source":{"product":"Debt collection","complaint_what_happened":"Collection South west credit system AccountXXXX To Whom It May Concern, I am writing to formally dispute and demand immediate removal of an unauthorized collection account reported on my credit South west credit systems {$140.00} credit systems which appears to have been obtained and reported based on information provided by a third party who is not legally entitled to share my personal data. \nThis account is not mine, and I have not authorized the collection agency in question to access, use, or report my personal information to XXXX or any other consumer reporting agency. Based on my investigation, it appears that my personal information may have been improperly obtained from a third party ( possibly the original creditor or debtor ), without my consent, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and potentially other state or federal privacy laws.\n\nI demand the following actions be taken immediately : 1. Removal of the disputed collection account from my credit report, as it is not mine and was reported based on improperly obtained information.\n\n2. Written confirmation of the deletion of the account from my credit file.\n\n3. A full reinvestigation under FCRA 1681i, including the method of verification, and the name and contact information of the entity that supplied the disputed information.\n\n4. A complete accounting of any parties who have accessed my credit report in relation to this account.\n\nIf Equifax fails to comply with this request within the time frame allotted under the FCRA ( typically 30 days from receipt of this dispute ), I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action for damages resulting from this violation of my consumer rights and privacy.\n\nEnclosed are copies of my identification and a copy of the page ( s ) of my credit report showing the disputed information.\n\nSincerely,","date_sent_to_company":"2025-09-04T13:26:27.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"15615719","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2025-08-29T20:18:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["This account is not mine, and I have not authorized the collection agency in question to access, use, or <em>report</em> my <em>personal</em> information to XXXX or any <em>other</em> <em>consumer</em> <em>reporting</em> agency. Based on my investigation, it appears that my <em>personal</em> information may have been <em>improperly</em> obtained from a third party ( possibly the original creditor or debtor ), without my consent, in direct violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), 15 U.S."],"company":["Southwest <em>Credit</em> Systems, L.P."]},"sort":[14.536839,"15615719"]},{"_index":"complaint-public-v1","_id":"14761431","_score":14.533545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX initially provided my business ( XXXX of XXXX XXXX XXXX XXXX merchant services to process credit card payments. For the first XXXX years, operations were stable. However, as our sales began to decline due to market conditions, XXXX XXXX XXXX our merchant contract, despite my ongoing efforts to rebrand and sustain the business relationship. \n\nFollowing the termination, they began issuing threats and engaged in retaliatory conduct by improperly reporting the business account as a personal debt on my consumer credit report. I explicitly warned them of the legal ramifications of such actions and urged a lawful resolution. Nevertheless, they proceeded to report a fabricated balancean amount I do not oweas a personal collection item. \n\nI gave them formal notice with a XXXX deadline to remove this false entry from my credit report. Despite this, they have refused to comply. Their actions are not only unethical, but also potentially unlawful under the Fair Credit Reporting Act and other consumer protection statutes.","date_sent_to_company":"2025-07-22T05:47:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"14761431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bilateral Credit Corp, LLC","date_received":"2025-07-22T05:27:34.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Their actions are not only unethical, but also potentially unlawful under the Fair <em>Credit</em> <em>Reporting</em> Act and <em>other</em> <em>consumer</em> protection statutes."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"company":["Bilateral <em>Credit</em> Corp, LLC"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.533545,"14761431"]},{"_index":"complaint-public-v1","_id":"7114137","_score":14.488966,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I summited a complaint on XX/XX/ about some improper information reporting in my credit report. I told the credit bureaus to \" investigate every piece of information '' on the accounts I have listed below including my personal information. \nCorrect Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term \" investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.\n\nThey stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.\n\nAnd according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies.\n\n**List Accounts Must be REMOVED** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-06-14T13:29:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"431XX","tags":null,"has_narrative":true,"complaint_id":"7114137","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-14T13:29:26.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I summited a complaint on XX/XX/ about some <em>improper</em> information <em>reporting</em> in my <em>credit</em> <em>report</em>. I told the <em>credit</em> bureaus to \" investigate every piece of information '' on the accounts I have listed below including my <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.488966,"7114137"]},{"_index":"complaint-public-v1","_id":"12147626","_score":14.481315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint regarding the improper use and publication of my financial transaction history, which I believe violates the Privacy Act of 1974 ( XXXX U.S. CXXXXe XXXX ) and 15 U.S. Code XXXX. Under these laws, federal agencies and credit reporting entities are prohibited from disclosing personal records without proper authorization and from republishing previously disputed information that has been determined to be incorrect. I have reason to believe that my personal credit information has been misused or improperly shared. \n\nAccording to the Fair Credit Reporting Act ( 15 U.S.C. XXXX XXXX ( a ) ), consumer reporting agencies, including Equifax and Experian, must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. Additionally, 15 U.S.C. XXXX establishes that financial institutions must protect the security and confidentiality of nonpublic personal information. Equifax and XXXX have failed to meet these obligations by sharing my credit information without my explicit written consent. \n\nFurther, 15 U.S.C. XXXX XXXX ( a ) ( XXXX ) states that a consumer reporting agency may only furnish a report with the written consent of the consumer. I have not provided written consent to Equifax, Experian, or any financial institution to furnish or share my credit information. Moreover, 15 U.S.C. XXXX ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information sharing, which I was not provided. \n\nAdditionally, 15 U.S.C. XXXXc ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse items of information that are older than XXXX years, except for records of criminal convictions. Equifax and Experian have unlawfully continued to report adverse information on my credit report, violating this statute. 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) further states that no entity should furnish information to a consumer reporting agency if they know or have reason to believe it is inaccurate. XXXX XXXX XXXXXXXX affirms that consumers have the right to opt-out at any time, and I am formally opting out of all reporting services by Equifax and Experian. \n\nFurthermore, I have identified that a transferred debt has been improperly reported on my credit report. 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) prohibits the furnishing of information that is known to be inaccurate, and a transferred debt should not be reflected as a negative item on my credit report. Reporting a transferred debt in a manner that negatively impacts my creditworthiness is misleading and in violation of federal law. \n\nAdditionally, closed accounts should not be reported as negative items on credit reports, as they are considered certificates of indebtedness, which are classified as income rather than liabilities. Under XXXX XXXX. XXXX, income is broadly defined and includes any accession to wealth, clearly realized, and over which the taxpayer has complete control. The improper reporting of closed accounts violates this principle and misrepresents the financial status of consumers. \n\nFurthermore, student loan information has been improperly reported on my credit report in violation of the Family Educational Rights and Privacy Act ( FERPA ) ( XXXX XXXX. XXXX ). FERPA restricts the disclosure of personally identifiable information from education records without the student 's explicit consent. The improper disclosure of student loan information to consumer reporting agencies constitutes a violation of this federal privacy law and must be corrected immediately. \n\nSpecifically, I have identified the following issues with my credit report : Unauthorized furnishing of my personal financial information without my explicit written consent. \n\nFailure to provide me with the opportunity to opt out of third-party sharing, as required by law. \n\nContinued reporting of previously disputed and incorrect adverse information. \n\nIncorrect reporting of transferred debt as a negative item on my credit report. \n\nImproper classification of closed accounts as liabilities rather than income, in violation of federal financial regulations. \n\nViolation of FERPA through the unauthorized reporting of student loan information. \n\nAs a consumer, I demand the following corrective actions : An immediate investigation into the improper use or publication of my financial data. \n\nThe removal or correction of any improperly disclosed or inaccurate financial transaction history, including transferred debt, closed accounts, and student loan information. \n\nA written response detailing the findings of your investigation and the actions taken to address my concerns. \n\nCompensation of {$1000.00} per inquiry, as stipulated under the Fair Credit Reporting Act ( FCRA ) for each unauthorized or incorrect inquiry on my credit report. \n\nFormal acknowledgment and confirmation of my request to opt out of reporting services. \n\nUnder the FCRA, 15 U.S. CXXXXe XXXX, Privacy Act of 1974, FERPA, and other relevant statutes, I expect a prompt resolution of this matter. Failure to comply may result in further legal action, including seeking additional remedies through appropriate legal channels. \n\nI have attached copies of my credit report, ( unable to obtain Equifax without buying per my.equifax.com ) relevant documentation, and any supporting evidence to assist in your investigation. Please respond to this complaint within the legally required timeframe. \n\nIf you require further information, I can be reached at XXXX or XXXX. I appreciate your prompt attention to this serious matter.","date_sent_to_company":"2025-02-20T22:21:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"12147626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-20T21:21:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reason to believe that my <em>personal</em> <em>credit</em> information has been misused or <em>improperly</em> shared. \n\nAccording to the Fair <em>Credit</em> <em>Reporting</em> Act ( 15 U.S.C. XXXX XXXX ( a ) ), <em>consumer</em> <em>reporting</em> agencies, including Equifax and Experian, must exercise their responsibilities with fairness, impartiality, and respect for <em>consumers</em> ' rights to privacy. Additionally, 15 U.S.C. XXXX establishes that financial institutions must protect the security and confidentiality of nonpublic <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.481315,"12147626"]},{"_index":"complaint-public-v1","_id":"12147268","_score":14.481315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint regarding the improper use and publication of my financial transaction history, which I believe violates the Privacy Act of 1974 ( XXXX U.S. CXXXXe XXXX ) and 15 U.S. Code XXXX. Under these laws, federal agencies and credit reporting entities are prohibited from disclosing personal records without proper authorization and from republishing previously disputed information that has been determined to be incorrect. I have reason to believe that my personal credit information has been misused or improperly shared. \n\nAccording to the Fair Credit Reporting Act ( 15 U.S.C. XXXX XXXX ( a ) ), consumer reporting agencies, including Equifax and Experian, must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. Additionally, 15 U.S.C. XXXX establishes that financial institutions must protect the security and confidentiality of nonpublic personal information. Equifax and XXXX have failed to meet these obligations by sharing my credit information without my explicit written consent. \n\nFurther, 15 U.S.C. XXXX XXXX ( a ) ( XXXX ) states that a consumer reporting agency may only furnish a report with the written consent of the consumer. I have not provided written consent to Equifax, Experian, or any financial institution to furnish or share my credit information. Moreover, 15 U.S.C. XXXX ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information sharing, which I was not provided. \n\nAdditionally, 15 U.S.C. XXXXc ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse items of information that are older than XXXX years, except for records of criminal convictions. Equifax and Experian have unlawfully continued to report adverse information on my credit report, violating this statute. 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) further states that no entity should furnish information to a consumer reporting agency if they know or have reason to believe it is inaccurate. XXXX XXXX XXXXXXXX affirms that consumers have the right to opt-out at any time, and I am formally opting out of all reporting services by Equifax and Experian. \n\nFurthermore, I have identified that a transferred debt has been improperly reported on my credit report. 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) prohibits the furnishing of information that is known to be inaccurate, and a transferred debt should not be reflected as a negative item on my credit report. Reporting a transferred debt in a manner that negatively impacts my creditworthiness is misleading and in violation of federal law. \n\nAdditionally, closed accounts should not be reported as negative items on credit reports, as they are considered certificates of indebtedness, which are classified as income rather than liabilities. Under XXXX XXXX. XXXX, income is broadly defined and includes any accession to wealth, clearly realized, and over which the taxpayer has complete control. The improper reporting of closed accounts violates this principle and misrepresents the financial status of consumers. \n\nFurthermore, student loan information has been improperly reported on my credit report in violation of the Family Educational Rights and Privacy Act ( FERPA ) ( XXXX XXXX. XXXX ). FERPA restricts the disclosure of personally identifiable information from education records without the student 's explicit consent. The improper disclosure of student loan information to consumer reporting agencies constitutes a violation of this federal privacy law and must be corrected immediately. \n\nSpecifically, I have identified the following issues with my credit report : Unauthorized furnishing of my personal financial information without my explicit written consent. \n\nFailure to provide me with the opportunity to opt out of third-party sharing, as required by law. \n\nContinued reporting of previously disputed and incorrect adverse information. \n\nIncorrect reporting of transferred debt as a negative item on my credit report. \n\nImproper classification of closed accounts as liabilities rather than income, in violation of federal financial regulations. \n\nViolation of FERPA through the unauthorized reporting of student loan information. \n\nAs a consumer, I demand the following corrective actions : An immediate investigation into the improper use or publication of my financial data. \n\nThe removal or correction of any improperly disclosed or inaccurate financial transaction history, including transferred debt, closed accounts, and student loan information. \n\nA written response detailing the findings of your investigation and the actions taken to address my concerns. \n\nCompensation of {$1000.00} per inquiry, as stipulated under the Fair Credit Reporting Act ( FCRA ) for each unauthorized or incorrect inquiry on my credit report. \n\nFormal acknowledgment and confirmation of my request to opt out of reporting services. \n\nUnder the FCRA, 15 U.S. CXXXXe XXXX, Privacy Act of 1974, FERPA, and other relevant statutes, I expect a prompt resolution of this matter. Failure to comply may result in further legal action, including seeking additional remedies through appropriate legal channels. \n\nI have attached copies of my credit report, ( unable to obtain Equifax without buying per my.equifax.com ) relevant documentation, and any supporting evidence to assist in your investigation. Please respond to this complaint within the legally required timeframe. \n\nIf you require further information, I can be reached at XXXX or XXXX. I appreciate your prompt attention to this serious matter.","date_sent_to_company":"2025-02-20T22:21:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"12147268","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-20T22:20:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reason to believe that my <em>personal</em> <em>credit</em> information has been misused or <em>improperly</em> shared. \n\nAccording to the Fair <em>Credit</em> <em>Reporting</em> Act ( 15 U.S.C. XXXX XXXX ( a ) ), <em>consumer</em> <em>reporting</em> agencies, including Equifax and Experian, must exercise their responsibilities with fairness, impartiality, and respect for <em>consumers</em> ' rights to privacy. Additionally, 15 U.S.C. XXXX establishes that financial institutions must protect the security and confidentiality of nonpublic <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.481315,"12147268"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2184,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2184}]}},"product":{"doc_count":2184,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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