{"took":1106,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":813,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9283737","_score":17.633915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Twice in several weeks I have received letters describing a breach of my personal information one from XXXXXXXX XXXX XXXX  and another From XXXX. Both companies provided credit monitoring through Experian Credit Reporting Bureau. When I signed up for credit monitoring I was appalled at what Experian made me agree to to get the monitoring. The Experian Privacy Policy and Terms of Service force one to accept an arbitration policy with no choice for opting out. If one does not click \" Accept '' during the application one can not get credit monitoring from Experian. It gets worse. Experian Privacy policy states that they will inform me ( a sales pitch ) of their and their business partners products, services and promotions. Further, Experian 's privacy policy states that they will share ( meaning sell ) my personal information from my credit report with company 's they have partnered with and even non-affiliated 3rd parties. Experian states that a consumer can go to their website, or call or mail them to opt out. Why should anyone who has had their personal information hacked by no fault of their own is forced to opt out of Experian sharing and selling their personal information. Experian 's Terms are 36 pages long. Those terms state that ones consent to text messages marketing is required to be able to get their credit monitoring services. That violates FCC rules on consent. This is unacceptable and grossly unfair. People who from no action of their own have their personal information stolen must agree to unacceptable terms to have their account monitored. Experian is clearly taking advantage of those that have no other alternative. A fair to consumers credit monitoring system needs to be imposed on Experian. Please make it so. Thank you. \n\nXXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-24T22:34:09.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"77546","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9283737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-17T21:37:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Received unwanted marketing or advertising"},"highlight":{"complaint_what_happened":["People who from no action of their own have their <em>personal</em> information stolen must agree to unacceptable terms to have their account <em>monitored</em>. Experian is clearly taking advantage of those that have no <em>other</em> alternative. A fair to <em>consumers</em> <em>credit</em> <em>monitoring</em> system needs to be imposed on Experian. Please make it so. Thank you. \n\nXXXX XXXX XXXX XXXX XXXX XXXX"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Identity theft protection or <em>other</em> <em>monitoring</em> services"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.633915,"9283737"]},{"_index":"complaint-public-v1","_id":"3198301","_score":17.435822,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Recently purchased a new vehicle and was approved by XXXX XXXX. A month after driving off the lot, XXXX sends me a notice of \" Change in Terms '' due to credit report from XXXX XXXX. They are NOT a credit bureau and if they are, they are not approved to use my credit report. The reporting is off by XXXX points AND they do not have the proper information regarding my report. This is a company owned by XXXX, who run XXXX XXXX, XXXX and others to gain personal data. \n\nThe company XXXX does not have a login for a consumer to update their information and now are posing as a credit monitoring company to institutions such as XXXX XXXX and others. I am not having to finance somewhere else that uses the regulated credit monitoring firms such as XXXX, XXXX, XXXX. \n\nAs as consumer, we have NO recourse whatsoever against fraudulent credit monitoring and scamming. Please do your diligence and remove them from the system. To other consumers, before any credit check, make sure you walk in with your own financing ahead of time. The dealers will shop your credit, while getting a yield on your point spread. Then, you will be at the mercy of the bank they chose, only to reset your terms within the 30 days limit.","date_sent_to_company":"2019-04-05T16:08:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80134","tags":null,"has_narrative":true,"complaint_id":"3198301","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2019-04-02T00:03:33.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["A month after driving off the lot, XXXX sends me a notice of \" Change in Terms '' due to <em>credit</em> <em>report</em> from XXXX XXXX. They are NOT a <em>credit</em> bureau and if they are, they are not approved to use my <em>credit</em> <em>report</em>. The <em>reporting</em> is off by XXXX points AND they do not have the proper information regarding my <em>report</em>. This is a company owned by XXXX, who run XXXX XXXX, XXXX and <em>others</em> to gain <em>personal</em> data."],"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":["Improper 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":[17.435822,"3198301"]},{"_index":"complaint-public-v1","_id":"11536753","_score":16.969255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"data breach exposed personal information I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered \" consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach","date_sent_to_company":"2025-01-16T01:31:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":"Servicemember","has_narrative":true,"complaint_id":"11536753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T01:31:21.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), if a data breach exposes <em>personal</em> information like names, addresses, Social Security numbers, or <em>other</em> sensitive details considered \" <em>consumer</em> <em>report</em> '' data, the company experiencing the breach is legally obligated to disclose the breach to affected <em>consumers</em> and may need to provide <em>credit</em> <em>monitoring</em> services depending on the severity of the exposed information ; this includes notifying individuals if their <em>credit</em> card numbers, bank account details,"],"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":[16.969255,"11536753"]},{"_index":"complaint-public-v1","_id":"11542980","_score":16.96091,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"data breach exposed personal information I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered \" consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach","date_sent_to_company":"2025-01-16T01:31:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":"Servicemember","has_narrative":true,"complaint_id":"11542980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T01:21:38.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), if a data breach exposes <em>personal</em> information like names, addresses, Social Security numbers, or <em>other</em> sensitive details considered \" <em>consumer</em> <em>report</em> '' data, the company experiencing the breach is legally obligated to disclose the breach to affected <em>consumers</em> and may need to provide <em>credit</em> <em>monitoring</em> services depending on the severity of the exposed information ; this includes notifying individuals if their <em>credit</em> card numbers, bank account details,"],"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":[16.96091,"11542980"]},{"_index":"complaint-public-v1","_id":"11541503","_score":16.96091,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"data breach exposed personal information I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered \" consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach","date_sent_to_company":"2025-01-16T01:31:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":"Servicemember","has_narrative":true,"complaint_id":"11541503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-16T01:31:21.000Z","state":"NV","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), if a data breach exposes <em>personal</em> information like names, addresses, Social Security numbers, or <em>other</em> sensitive details considered \" <em>consumer</em> <em>report</em> '' data, the company experiencing the breach is legally obligated to disclose the breach to affected <em>consumers</em> and may need to provide <em>credit</em> <em>monitoring</em> services depending on the severity of the exposed information ; this includes notifying individuals if their <em>credit</em> card numbers, bank account details,"],"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":[16.96091,"11541503"]},{"_index":"complaint-public-v1","_id":"2666311","_score":16.925922,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. \n\nI also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. \n\nEquifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. \n\nThey are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information stolen.","date_sent_to_company":"2017-09-08T23:18:40.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"85331","tags":null,"has_narrative":true,"complaint_id":"2666311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T22:57:23.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Equifax should be able to provide my free <em>credit</em> <em>report</em> online like the <em>other</em> <em>monitoring</em> services were able to do, and they should be <em>monitoring</em> my <em>credit</em> for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. \n\nThey are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect <em>consumers</em> who have had their <em>personal</em> information stolen."],"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":["Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Problem getting your free annual <em>credit</em> <em>report</em>"]},"sort":[16.925922,"2666311"]},{"_index":"complaint-public-v1","_id":"2671404","_score":16.85083,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In the summer of XXXX, hackers accessed Equifax 's system and compromised the personal credit information of over 100 million users. Equifax, failed to provide adequate cyber security throughout their computer system despite knowing the inherent value of the consumer information they possess. As demonstrated by the severity of this security breach, Equifax was absurdly negligent in properly securing the personal information of millions of consumers, and can no longer be trusted to act in the best interest of the American public. \n\nI am one of the victims of this breach. Equifax 's offer of one year of credit monitoring is a mere token of whats necessary to protect myslef. Equifaxs data breach is not something I can fix with a new password. For the rest of my life, I will need to watch my credit activity closely. I am XXXX, and I have family members currently in their XXXX. That means I will need to monitor my credit activity for the next 40 to 50 YEARS! \n\nIronically, Equifax is happy to charge me for additional protective services, something I would not require if they had done their job adequately in the beginning. \n\nI demand that Equifax is stripped of their ability to provide credit reports in the future. Their negligence in this matter proves that they are simply unable to protect consumer data. Based on this breach, I do not believe any bank, other financial institution or business can safely rely on the reports that Equifax might produce in the future. Simply, Equifax can no longer be trusted. \n\nI further demand that Equifax provide a lifetime of credit monitoring for me and any other consumer who is likewise affected by the negligence of Equifax. Life-long credit monitoring - in reality - is the LEAST that Equifax should offer affected consumers. They were negligent, and they do n't appear to care the slightest about the people whose lives ' they have disrupted. They simply care about their financial stability, and how they can minimize the effect this breach will have on their profits.","date_sent_to_company":"2017-09-13T12:39:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"22310","tags":"Servicemember","has_narrative":true,"complaint_id":"2671404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T11:56:09.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Their negligence in this matter proves that they are simply unable to protect <em>consumer</em> data. Based on this breach, I do not believe any bank, <em>other</em> financial institution or business can safely rely on the <em>reports</em> that Equifax might produce in the future. Simply, Equifax can no longer be trusted. \n\nI further demand that Equifax provide a lifetime of <em>credit</em> <em>monitoring</em> for me and any <em>other</em> <em>consumer</em> who is likewise affected by the negligence of Equifax."],"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":["Improper 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":[16.85083,"2671404"]},{"_index":"complaint-public-v1","_id":"2820218","_score":16.83385,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I signed up for TransUnion 's XXXX XXXX free credit monitoring as a result of XXXX XXXX failure to provide multiple agency credit monitoring as promised with their XXXXXXXX XXXX credit monitoring program. It promised free multiple agency monitoring and the ability to place a credit lock on my info at my discretion. Like XXXX, that has been a complete lie. \nAs soon as I completed the registration which included all of my personal info including current contact info, I was informed that a credit lock could NOT be activated on my credit report. I had been asked questions from my report to confirm my identity during the registration and my current contact info was confirmed online by their site. \nI was told to contact their customer service number which of course is an outsourced call center outside the US with foreign nationals with fake names asking me for my personal data and trying to peddle credit cards and other marketing surfaces to me. I will NOT discuss personal data with out of the country call centers! They have already vetted me online and have my current contact info. This is blatant fraud and a stall tactic to peddle \" paid '' services. \nThey quote the need and ability to monitor multiple agencies citing the fake XXXX \" breach '' as their primary reason. These two obviously have a partnership in this scam. \nWith XXXX playing victim and begging millions of consumers to join their services for protection, they have formed a partnership which has not only furnished private data to the world but given the hackers the latest consumer contact info as well. I don't expect to ever see any government agency hold these people accountable. I am filing this complaint as a matter of record prior to filing my own suit against them.","date_sent_to_company":"2018-02-20T20:30:44.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"397XX","tags":null,"has_narrative":true,"complaint_id":"2820218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-02-20T19:40:19.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["As soon as I completed the registration which included all of my <em>personal</em> info including current contact info, I was informed that a <em>credit</em> lock could NOT be activated on my <em>credit</em> <em>report</em>. I had been asked questions from my <em>report</em> to confirm my identity during the registration and my current contact info was confirmed online by their site."],"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>"],"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":[16.83385,"2820218"]},{"_index":"complaint-public-v1","_id":"11541932","_score":16.368511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered \" consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach","date_sent_to_company":"2025-01-16T01:17:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"11541932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-16T01:17:44.000Z","state":"NV","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), if a data breach exposes <em>personal</em> information like names, addresses, Social Security numbers, or <em>other</em> sensitive details considered \" <em>consumer</em> <em>report</em> '' data, the company experiencing the breach is legally obligated to disclose the breach to affected <em>consumers</em> and may need to provide <em>credit</em> <em>monitoring</em> services depending on the severity of the exposed information ; this includes notifying individuals if their <em>credit</em> card numbers, bank account details,"],"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":[16.368511,"11541932"]},{"_index":"complaint-public-v1","_id":"11543211","_score":16.357832,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered \" consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach","date_sent_to_company":"2025-01-16T01:17:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"11543211","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T01:01:28.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), if a data breach exposes <em>personal</em> information like names, addresses, Social Security numbers, or <em>other</em> sensitive details considered \" <em>consumer</em> <em>report</em> '' data, the company experiencing the breach is legally obligated to disclose the breach to affected <em>consumers</em> and may need to provide <em>credit</em> <em>monitoring</em> services depending on the severity of the exposed information ; this includes notifying individuals if their <em>credit</em> card numbers, bank account details,"],"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":[16.357832,"11543211"]},{"_index":"complaint-public-v1","_id":"11536565","_score":16.357832,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed inacuriacies on my report, however the beurues did nothing to validate the accounts. They just updated the information. Under the Fair Credit Reporting Act ( FCRA ), if a data breach exposes personal information like names, addresses, Social Security numbers, or other sensitive details considered \" consumer report '' data, the company experiencing the breach is legally obligated to disclose the breach to affected consumers and may need to provide credit monitoring services depending on the severity of the exposed information ; this includes notifying individuals if their credit card numbers, bank account details, or other financially sensitive data were compromised in the breach","date_sent_to_company":"2025-01-16T01:17:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89148","tags":null,"has_narrative":true,"complaint_id":"11536565","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-16T01:17:44.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), if a data breach exposes <em>personal</em> information like names, addresses, Social Security numbers, or <em>other</em> sensitive details considered \" <em>consumer</em> <em>report</em> '' data, the company experiencing the breach is legally obligated to disclose the breach to affected <em>consumers</em> and may need to provide <em>credit</em> <em>monitoring</em> services depending on the severity of the exposed information ; this includes notifying individuals if their <em>credit</em> card numbers, bank account details,"],"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":[16.357832,"11536565"]},{"_index":"complaint-public-v1","_id":"17021741","_score":16.227448,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Action Required Regarding Data Breach Incident Dear XXXX  Support Team, I am writing to express my concern and request immediate clarification regarding the recent data breach that has affected XXXX  systems. As a consumer who relies on the integrity and security of your services, I am deeply troubled by this incident and its potential impact on my personal information.\n\nAccording to reports, this breach may have compromised sensitive personal data, which could expose consumers to identity theft, fraud, and other malicious activities. As a precaution, I am formally requesting the following : 1. Confirmation of Impact : Please confirm whether my personal data ( including but not limited to my Social Security number, credit account details, or any other sensitive information ) was affected by the breach.\n\n2. Security Measures : Explain what specific actions XXXX  has taken to mitigate the risks of this breach and what measures have been implemented to prevent future data security failures. \n3. Credit Monitoring and Identity Protection : I am requesting complimentary credit monitoring, identity theft protection, and related services for affected consumers. Please provide clear enrollment instructions.\n\n4. Consumer Protection Guidance : Advise me of the additional steps I should take to protect my credit and personal information, such as credit freezes, fraud alerts, or account monitoring options.\n\nThis matter is urgent and I expect a prompt written response outlining the actions XXXX  is taking to protect my data and restore consumer trust. Please respond within 14 days of receipt of this letter.\n\nShould my concerns not be addressed in a timely manner, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other appropriate agencies.\n\nThank you for your immediate attention to this matter. I look forward to your prompt and thorough","date_sent_to_company":"2025-11-04T16:48:52.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"30815","tags":null,"has_narrative":true,"complaint_id":"17021741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T16:41:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["<em>Credit</em> <em>Monitoring</em> and Identity Protection : I am requesting complimentary <em>credit</em> <em>monitoring</em>, identity theft protection, and related services for affected <em>consumers</em>. Please provide clear enrollment instructions.\n\n4. <em>Consumer</em> Protection Guidance : Advise me of the additional steps I should take to protect my <em>credit</em> and <em>personal</em> information, such as <em>credit</em> freezes, fraud alerts, or account <em>monitoring</em> options."]},"sort":[16.227448,"17021741"]},{"_index":"complaint-public-v1","_id":"11586574","_score":15.941992,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Equifax Data Breach Dear Sir/Madam, I am writing to file a formal complaint regarding the data breach that occurred at Equifax, which exposed my personal and sensitive information, including but not limited to my Social Security number, birthdate, and financial data. I believe this breach is a violation of the Fair Credit Reporting Act ( FCRA ), the Identity Theft Enforcement and Restitution Act, and other applicable consumer protection laws. \n\nIncident Summary : In XXXX XXXX, Equifax experienced a major data breach that compromised the personal information of millions of individuals, including mine. I discovered that my personal data was affected either through notification from Equifax or by checking the website Equifax created for affected consumers. The breach has caused significant distress, and I am deeply concerned about the potential for identity theft, fraud, and the long-term impact on my financial security. \n\nDespite efforts to protect myself ( e.g., credit monitoring services, fraud alerts, and security freezes ), I believe that the breach 's impact on my privacy and financial well-being is severe and ongoing. \n\nDetails of My Experience : Impact on My XXXXredit/Financial Security : Unauthorized credit accounts, credit score changes, or other financial consequences.\n\nSteps Taken to Protect Myself : Fraud alert/credit freeze, and enrolling in credit monitoring services. ] Desired Resolution : Given the serious nature of the breach, I am seeking assistance from the CFPB to ensure that Equifax provides appropriate remedies. I request the following : Clear Communication : Ensure that Equifax provides clear and ongoing communication to consumers affected by the breach regarding steps they are taking to rectify the situation.\n\nAppropriate Remediation : Ensure that Equifax offers compensation for the harm caused, including credit monitoring, identity theft protection, and other forms of assistance.\n\nAccountability and Oversight : Advocate for stricter consumer protections, more rigorous safeguards for personal data, and accountability for Equifax regarding their handling of this breach. \nAssistance in Resolving Any Negative Impact on My Credit/Financial Status : Help me address any negative financial or credit consequences stemming from the breach. \nI appreciate your attention to this serious matter and hope to receive a prompt resolution to my complaint. \n\nThank you for your time and assistance.","date_sent_to_company":"2025-01-21T17:49:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"11586574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-21T17:33:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I believe this breach is a violation of the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), the Identity Theft Enforcement and Restitution Act, and <em>other</em> applicable <em>consumer</em> protection laws. \n\nIncident Summary : In XXXX XXXX, Equifax experienced a major data breach that compromised the <em>personal</em> information of millions of individuals, including mine. I discovered that my <em>personal</em> data was affected either through notification from Equifax or by checking the website Equifax created for affected <em>consumers</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper 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":[15.941992,"11586574"]},{"_index":"complaint-public-v1","_id":"2662946","_score":15.937788,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax leaked my credit report and other personal information ( as reported by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million other Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough. \n\nOther concerning aspects of this breach include the lack of timely disclosure by Equifax ( over 5 weeks )  and the above website reporting whether consumers were impacted by the leak that appears to yield random responses ( I visited the site several times and got alternating answers each time ). \n\nI contacted Equifax 's call center with my concerns about the leak and the website and was encouraged to sign up for fraud monitoring. This response does not address the root of the problem, that Equifax does not take my, and other Americans ', personal information and identity protectional seriously.","date_sent_to_company":"2017-09-10T04:49:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"024XX","tags":null,"has_narrative":true,"complaint_id":"2662946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T04:16:43.000Z","state":"MA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax leaked my <em>credit</em> <em>report</em> and <em>other</em> <em>personal</em> information ( as <em>reported</em> by their website https : //www.equifaxsecurity2017.com/ ), along with that of 143 million <em>other</em> Americans. It is readily apparent that for such a significant breach to occur, Equifax does not take information security seriously enough."],"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":["Improper 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":[15.937788,"2662946"]},{"_index":"complaint-public-v1","_id":"2666099","_score":15.620768,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I learned on XXXX that Equifax failed to sufficiently secure my personal & financial information, including my name, address history, social security number, phone number, date of birth, email address, and credit card numbers. I confirmed with Equifax at www.EquifaxSecurity2017.com that my information has been compromised, putting me at risk of identity theft, financial fraud, and tax return fraud. Additionally, they have known about the security breach since late XXXX and have failed to notify me at all. I only learned about the issue through social media comments from other people also affected. \n\nEquifax is delaying their offer of credit monitoring services ( I must wait until XXXX to enroll ), leaving me with two options : ( 1 ) leave my information at risk until their offered services are available to me, or ( 2 ) pay from my own funds another company to immediately institute a similar service. I also must pay with my own funds to freeze my credit reports with 4 other services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.\nEquifax should have : 1. Notified affected consumers of the breach prior to our having to learn about it through social media and news reports 2. Offered immediate, preferably instant, enrollment for affected consumers into credit monitoring and identity theft protection services 3. Arranged or paid for our credit reports to be frozen and unfrozen later with other consumer credit bureaus 4. Offered more than just one year of credit monitoring, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come.","date_sent_to_company":"2017-09-08T22:05:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78723","tags":null,"has_narrative":true,"complaint_id":"2666099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T19:33:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Arranged or paid for our <em>credit</em> <em>reports</em> to be frozen and unfrozen later with <em>other</em> <em>consumer</em> <em>credit</em> bureaus 4. Offered more than just one year of <em>credit</em> <em>monitoring</em>, as my social security number will continue to be useful for fraud well after one year, and due to Equifax 's negligence, I will have to deal with this for years to come."],"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":["Improper 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":[15.620768,"2666099"]},{"_index":"complaint-public-v1","_id":"2683139","_score":15.425961,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Hack I am a victim of the widely reported Equifax hack in which personal identification information such as my name, SSN, DOB and home addresses were likely stolen from the company. \n\nConsequences I have already suffered as a result of this theft - Incurred personal costs to safeguard my credit including paying for credit freezes, credit reports and credit monitoring services - Lost of time and productivity as a result of researching implications of such hack and implementing what measures I can to protect myself - Lost of time and productivity educating friends and family on potential impact of such hack - Ongoing worry and concerns over potential impact of such hack as the information stolen is irreplaceable Other potential consequences as a result of such hack - Likelihood of identity being stolen is dramatically increased - As of right now, perpetual credit freeze greatly inconveniences me and will cause me to incur future costs as a result of freezing/unfreezing actions Actions the company has taken to rectify problem - As widely reported, the company 's initial response has been has been widely seen as completely inappropriate as insufficient - Website offers inaccurate and incompletely information to consumers on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making consumers sign away their right when signing up for credit monitoring services - Company offered insufficient protection for their credit monitoring services - Company initially charged consumers for credit freezes - Company 's customer response effort is so poor that their website is still unresponsive and efforts to reach customer service via phone takes multiple calls - Company failed to inform customers in a timely manner as widely reported","date_sent_to_company":"2017-09-24T21:30:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10003","tags":null,"has_narrative":true,"complaint_id":"2683139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-24T21:14:34.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["incompletely information to <em>consumers</em> on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making <em>consumers</em> sign away their right when signing up for <em>credit</em> <em>monitoring</em> services - Company offered insufficient protection for their <em>credit</em> <em>monitoring</em> services - Company initially charged <em>consumers</em> for <em>credit</em> freezes - Company 's customer response"],"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":["Improper 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":[15.425961,"2683139"]},{"_index":"complaint-public-v1","_id":"13020979","_score":15.423906,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. \n\nThank you for your time and continued efforts to protect consumers.","date_sent_to_company":"2025-04-16T13:35:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"13020979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T13:35:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have taken precautionary steps including <em>monitoring</em> my <em>credit</em> <em>reports</em> and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my <em>consumer</em> rights are protected. \n\nThank you for your time and continued efforts to protect <em>consumers</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper 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":[15.423906,"13020979"]},{"_index":"complaint-public-v1","_id":"13020976","_score":15.413655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. \n\nThank you for your time and continued efforts to protect consumers.","date_sent_to_company":"2025-04-16T13:35:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"13020976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T13:22:36.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have taken precautionary steps including <em>monitoring</em> my <em>credit</em> <em>reports</em> and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my <em>consumer</em> rights are protected. \n\nThank you for your time and continued efforts to protect <em>consumers</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper 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":[15.413655,"13020976"]},{"_index":"complaint-public-v1","_id":"13020286","_score":15.413655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. \n\nI am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. \n\nThank you for your time and continued efforts to protect consumers.","date_sent_to_company":"2025-04-16T13:35:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"13020286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-16T13:35:03.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have taken precautionary steps including <em>monitoring</em> my <em>credit</em> <em>reports</em> and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. \n\nPlease advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my <em>consumer</em> rights are protected. \n\nThank you for your time and continued efforts to protect <em>consumers</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper 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":[15.413655,"13020286"]},{"_index":"complaint-public-v1","_id":"2666936","_score":15.28855,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to lodge a formal complaint with the CFPB against Equifax, the credit reporting agency. \n\nLike millions of consumers, I learned in the newspaper and on television yesterday that my social security number, date of birth, home address and other personal information may have been compromised by a data breach at Equifax that occurred between XXXX and XXXX of XXXX, but that Equifax only revealed yesterday ( XXXX XXXX, XXXX ). \n\nIn accordance with instructions in the newspaper and on the Equifax website I went to a special webpage that Equifax set up to let consumers know if there data had been compromised as part of the hack. \n\nI was informed by the Equifax system that my social security number and other personal information may have been compromised. And that 's it. No other clarifying information is provided. All a consumer get 's is appointed date to sign up for some lame credit monitorings service, with a disclosure that there will be no reminders and no other information about such an important topic. There is no number to call to get other information and no other support provided. \n\nThis is outrageous. Due to Equifax 's breach my credit history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to consumers. \n\nSomething must be done. This company needs to be directed to do more and to be fined severely for failure to disclose the data breach and correct it for months.","date_sent_to_company":"2017-09-08T15:21:34.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"20902","tags":null,"has_narrative":true,"complaint_id":"2666936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T15:09:10.000Z","state":"MD","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["All a <em>consumer</em> get 's is appointed date to sign up for some lame <em>credit</em> <em>monitorings</em> service, with a disclosure that there will be no reminders and no <em>other</em> information about such an important topic. There is no number to call to get <em>other</em> information and no <em>other</em> support provided. \n\nThis is outrageous. Due to Equifax 's breach my <em>credit</em> history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to <em>consumers</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>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.28855,"2666936"]},{"_index":"complaint-public-v1","_id":"2686656","_score":15.2144375,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax released ALL my personal information including my card card information to an unknown entity during the major information release they experienced in XXXX (? ) 2017.\nEquifax CEO 's also held back this information until they sold millions of dollars worth of stock, thereby stealing millions of dollars.\nI suggest you charge Equifax with identity theft and credit protection of all Americans that they released personal information about, For Life. They could use all those millions stolen by the CEO 's and future money made by Equifax.\nWe, the consumers '', did not do anything wrong and we should not be held responsible, For Life, to pay to monitor for identity and credit theft. We can not change our names, SS number or most of the other stolen information.\nEqiufax needs to pay the other 2 credit reporting agencies to also protect our identit\ny and credit For Life.","date_sent_to_company":"2017-09-27T15:26:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"97477","tags":null,"has_narrative":true,"complaint_id":"2686656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-27T15:03:03.000Z","state":"OR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We, the <em>consumers</em> '', did not do anything wrong and we should not be held responsible, For Life, to pay to <em>monitor</em> for identity and <em>credit</em> theft. We can not change our names, SS number or most of the <em>other</em> stolen information.\nEqiufax needs to pay the <em>other</em> 2 <em>credit</em> <em>reporting</em> agencies to also protect our identit\ny and <em>credit</em> For Life."],"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":["Improper 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":[15.2144375,"2686656"]},{"_index":"complaint-public-v1","_id":"2662964","_score":15.176659,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Earlier this week, we were alerted to the fact that the personal financial information of consumers had been compromised due to an \" epic breach '' at Equifax, one of the three major credit reporting agencies. \n\nOne piece of advice given to consumers was to freeze their credit files with all three agencies - Equifax, XXXX and XXXX. \n\nEquifax is still permitted to CHARGE for a credit freeze, effectively allowing them to profit from this breach. They further want to CHARGE people for the privilege of having their credit files monitored for fraud or other unusual activity, a service that all three credit reporting agencies should be providing for FREE 365 days a year. \n\nTo use the word \" outrageous '' is an understatement. I am reporting gross incompetence and mismanagement of my financial records at Equifax.","date_sent_to_company":"2017-09-10T05:34:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10465","tags":null,"has_narrative":true,"complaint_id":"2662964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T05:13:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["They further want to CHARGE people for the privilege of having their <em>credit</em> files <em>monitored</em> for fraud or <em>other</em> unusual activity, a service that all three <em>credit</em> <em>reporting</em> agencies should be providing for FREE 365 days a year. \n\nTo use the word \" outrageous '' is an understatement. I am <em>reporting</em> gross incompetence and mismanagement of my financial records at Equifax."],"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":["Improper 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":[15.176659,"2662964"]},{"_index":"complaint-public-v1","_id":"15238798","_score":15.032172,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2025, a hard inquiry from XXXX XXXX XXXX XXXX was reported on my Equifax credit file. I did not authorize or initiate this credit inquiry. I have never applied for any credit card, loan, or other financial product with XXXX XXXX that would require a credit check. \n\nThis inquiry is the result of identity theft or unauthorized access to my personal information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), a consumer reporting agency may not furnish a record of inquiries in connection with a credit transaction that was not initiated by the consumer. \n\nI am requesting that Equifax immediately delete this fraudulent inquiry from my credit report. I have taken steps to secure my identity, including monitoring my credit and filing reports with the appropriate agencies.","date_sent_to_company":"2025-08-12T12:54:03.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"02908","tags":null,"has_narrative":true,"complaint_id":"15238798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-12T12:49:32.000Z","state":"RI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Fair <em>Credit</em> <em>Reporting</em> Act ( 15 U.S.C. 1681b ( c ) ), a <em>consumer</em> <em>reporting</em> agency may not furnish a record of inquiries in connection with a <em>credit</em> transaction that was not initiated by the <em>consumer</em>. \n\nI am requesting that Equifax immediately delete this fraudulent inquiry from my <em>credit</em> <em>report</em>. I have taken steps to secure my identity, including <em>monitoring</em> my <em>credit</em> and filing <em>reports</em> with the appropriate agencies."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.032172,"15238798"]},{"_index":"complaint-public-v1","_id":"2667651","_score":15.025418,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My personal information was \" likely '' hacked and stolen while stored by credit reporting company Equifax. I say \" likely '' because that is the canned response given to me by Equifax that apparently every person who inquired about whether their information was stolen also received. Not only am I appalled that a credit reporting company stored my personal data in a manner that permitted such a wide-scale hack, but Equifax 's response has been horrid and indicates a total failure to address the core security infrastructure that enabled this hack to occur. Namely : XXXX The company can not tell me or other consumers whether our data has been breached. Thus Equifax has admitted its total lack of knowledge as to whether the company has inappropriately used or released my personal data to third parties. And this lack of certainty prevents me from adequately monitoring and protecting my own credit - a task at which Equifax has utterly failed. \nXXXX The company has established a cumbersome two-step process to file for credit monitoring services, which is time-consuming and appears designed to winnow out customers entitled to assurances that their data is secure. Further, that site 's security certificate was recognized as compromised by my browser, which means that the company still has not taken requisite steps to ensure encrypted communications in the wake of a giant data breach. \nXXXX The company is assigning PINs that accompany credit freezing requests that are not randomly generated, thus compounding the security risks in the existing hack. Based on evidence that these PINs simply provide another easily hackable path to my personal data, I have not sought such protection - protection to which I believe I am entitled as a consumer whose data has been breached - out of concern that doing so actually deepens my ID theft risk. \n\nIn short, Equifax 's business model relies on one thing : keeping data secure. It is clear that its policies have not placed consumer privacy at the forefront of their business model, and that failure has led to the exposure of my and millions of other American 's personal data. Furthermore, their inadequate and technologically-compromised response to the hack demonstrates a continued lack of responsibility for the security failures that led to the hack, and a lack of commitment to protecting consumers ' financial privacy.","date_sent_to_company":"2017-09-11T16:50:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11215","tags":null,"has_narrative":true,"complaint_id":"2667651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T15:27:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Not only am I appalled that a <em>credit</em> <em>reporting</em> company stored my <em>personal</em> data in a manner that permitted such a wide-scale hack, but Equifax 's response has been horrid and indicates a total failure to address the core security infrastructure that enabled this hack to occur. Namely : XXXX The company can not tell me or <em>other</em> <em>consumers</em> whether our data has been breached."],"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":["Improper 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":[15.025418,"2667651"]},{"_index":"complaint-public-v1","_id":"8784557","_score":14.987086,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Data Breach Complaint - Unauthorized Access to Sensitive Personal Information Dear Sir/Mmadam, I am writing to file a complaint against Equifax, XXXX regarding the data breach that occurred, which resulted in the unauthorized access to my sensitive personal information. I believe Equifax failed to maintain appropriate security measures, allowing hackers to exploit vulnerabilities and gain access to consumers ' private information. This incident violates various federal laws, including but not limited to, the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. My information was compromised and impacted as a result of the data breach. \n\nAccording to the definitions provided under the Code of Federal Regulations, a \" data breach '' refers to the \" loss, theft, or other unauthorized access ... to data containing sensitive personal information ... that results in the potential compromise of the confidentiality or integrity of the data. '' ( 38 USC 5727 ( 4 ), https : XXXX # XXXX ). Sensitive personal information, as defined under the FCRA, includes \" any information concerning creditworthiness, credit standing, credit capacity, character, general reputation, personal habits, or mode of living which is obtained for use in whole or in part as a factor in establishing the eligibility for credit, insurance, employment, or any other purpose authorized under the FCRA '' ( 15 USC 1681a, https : XXXX # XXXX ). \n\nEquifax publicly disclosed the data breach, revealing that hackers had accessed the personal information of approximately XXXX XXXX consumers, including their names, Social Security numbers, birth dates, addresses, and driver 's license numbers. In response to this incident, Equifax offered free identity theft protection and credit monitoring services to affected consumers. However, I believe that these measures do not adequately address the harm caused by this data breach, nor do they hold Equifax accountable for their failure to protect consumers ' private information. \n\nAs a result of this data breach, I have experienced significant anxiety and concern over the potential misuse of my personal information. I have taken steps to protect myself, such as placing a fraud alert on my credit reports and closely monitoring my financial accounts for suspicious activity. However, I can not fully mitigate the risks associated with this breach, as the extent and nature of the compromised data XXXX leave me vulnerable to identity theft and financial fraud for an extended period. \n\nGiven these circumstances, I respectfully request that the Consumer Financial Protection Bureau investigate Equifax 's handling of the data breach and take appropriate enforcement action to hold the company accountable for their failure to safeguard consumers ' sensitive personal information. I believe that stronger regulations and penalties are necessary to deter similar incidents in the future and to ensure that consumers ' privacy rights are protected. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-04-16T06:17:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11224","tags":null,"has_narrative":true,"complaint_id":"8784557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-16T05:57:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax publicly disclosed the data breach, revealing that hackers had accessed the <em>personal</em> information of approximately XXXX XXXX <em>consumers</em>, including their names, Social Security numbers, birth dates, addresses, and driver 's license numbers. In response to this incident, Equifax offered free identity theft protection and <em>credit</em> <em>monitoring</em> services to affected <em>consumers</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper 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":[14.987086,"8784557"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":813,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":813}]}},"product":{"doc_count":813,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":391,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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