{"took":105,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":483,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2666311","_score":18.901615,"_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 <em>identity</em> 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":[18.901615,"2666311"]},{"_index":"complaint-public-v1","_id":"17021741","_score":18.849663,"_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 <em>Identity</em> Protection : I am requesting complimentary <em>credit</em> <em>monitoring</em>, <em>identity</em> 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":[18.849663,"17021741"]},{"_index":"complaint-public-v1","_id":"2820218","_score":18.551708,"_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 <em>identity</em> 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":[18.551708,"2820218"]},{"_index":"complaint-public-v1","_id":"11586574","_score":18.503437,"_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 <em>Identity</em> 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":[18.503437,"11586574"]},{"_index":"complaint-public-v1","_id":"2662946","_score":18.155092,"_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":[18.155092,"2662946"]},{"_index":"complaint-public-v1","_id":"2686656","_score":18.111044,"_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 <em>identity</em> 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":[18.111044,"2686656"]},{"_index":"complaint-public-v1","_id":"2666099","_score":17.996014,"_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":["I also must pay with my own funds to freeze my <em>credit</em> <em>reports</em> with 4 <em>other</em> services -- {$40.00} total plus tax to freeze and the additional fees to later unfreeze.\nEquifax should have : 1. Notified affected <em>consumers</em> of the breach prior to our having to learn about it through social media and news <em>reports</em> 2. Offered immediate, preferably instant, enrollment for affected <em>consumers</em> into <em>credit</em> <em>monitoring</em> and <em>identity</em> theft protection services 3."],"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":[17.996014,"2666099"]},{"_index":"complaint-public-v1","_id":"15238798","_score":17.987274,"_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 <em>identity</em>, 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":[17.987274,"15238798"]},{"_index":"complaint-public-v1","_id":"2683139","_score":17.078007,"_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":[17.078007,"2683139"]},{"_index":"complaint-public-v1","_id":"11309676","_score":17.049303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX, and I am a victim of the XXXX XXXX data breach, one of the largest data breaches in history. This breach exposed my personal information, including my Social Security number, date of birth, address, and other sensitive data, to unauthorized access.\n\nSince the breach, I have faced significant challenges and emotional distress. Specifically : Financial Impact : I have had to spend time and money monitoring my credit and safeguarding my identity, including purchasing credit monitoring services and identity theft insurance.\n\nI experienced fraudulent activity on my accounts, which required me to close and reopen accounts, dispute unauthorized charges, and spend countless hours on the phone with financial institutions. \nMy credit score was temporarily impacted due to fraudulent credit inquiries, affecting my ability to secure favorable terms on a loan.\n\nEmotional Distress : The breach has caused ongoing anxiety and stress, knowing that my personal information is permanently compromised and could be misused at any time in the future.\n\nI have lost trust in institutions that hold my data, leading to a feeling of vulnerability and helplessness.\n\nLogistical Burden : I have spent numerous hours filing reports with credit bureaus, freezing and unfreezing my credit, and staying vigilant for signs of identity theft.\n\nThese efforts have disrupted my personal and professional life, consuming time that I could have spent with my family or on other priorities. \nXXXX 's failure to adequately protect my data has had long-lasting consequences, and the breach continues to affect me today. I urge the court and responsible parties to ensure that victims like me receive proper restitution and that corporations take greater responsibility for securing sensitive consumer data in the future. \n\nThank you for considering my statement.","date_sent_to_company":"2024-12-28T22:42:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"11309676","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-28T22:34:56.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This breach exposed my <em>personal</em> information, including my Social Security number, date of birth, address, and <em>other</em> sensitive data, to unauthorized access.\n\nSince the breach, I have faced significant challenges and emotional distress. Specifically : Financial Impact : I have had to spend time and money <em>monitoring</em> my <em>credit</em> and safeguarding my <em>identity</em>, including purchasing <em>credit</em> <em>monitoring</em> services and <em>identity</em> theft insurance."],"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":[17.049303,"11309676"]},{"_index":"complaint-public-v1","_id":"8784557","_score":17.034698,"_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 <em>identity</em> 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":[17.034698,"8784557"]},{"_index":"complaint-public-v1","_id":"11714786","_score":16.870634,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am writing to express my concerns regarding the recent data breach at the Consumer Financial Protection Bureau ( CFPB ) and how it has directly impacted me. As a consumer who relies on the CFPB to safeguard sensitive financial information, I am deeply distressed by this breach and the potential consequences it has caused. \nThe release of my personal data has made me vulnerable to identity theft and financial fraud, which I have already begun to experience. unauthorized transactions, difficulty obtaining credit, or increased anxiety about financial security.These incidents have caused [ emotional distress/financial losses/other specific consequences ], and I have had to take measures such as [ freezing credit reports, enrolling in monitoring services, and filing claims ]. \nI urge the CFPB to take immediate and transparent action to address this breach and protect affected individuals. Providing resources such as free credit monitoring, identity theft protection, and guidance on minimizing risks would be invaluable to those of us affected. Additionally, I request updates on the investigation into the breach and assurance that measures are being implemented to prevent future incidents. \nThank you for your attention to this matter. I look forward to your prompt response and the actions you will take to assist impacted individuals like me. \nSincerely, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-22T07:08:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"08817","tags":null,"has_narrative":true,"complaint_id":"11714786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T06:18:13.000Z","state":"NJ","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The release of my <em>personal</em> data has made me vulnerable to <em>identity</em> theft and financial fraud, which I have already begun to experience. unauthorized transactions, difficulty obtaining <em>credit</em>, or increased anxiety about financial security.These incidents have caused [ emotional distress/financial losses/<em>other</em> specific consequences ], and I have had to take measures such as [ freezing <em>credit</em> <em>reports</em>, enrolling in <em>monitoring</em> services, and filing claims ]."],"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>"]},"sort":[16.870634,"11714786"]},{"_index":"complaint-public-v1","_id":"11872067","_score":16.731995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I learned that my personal information, including my name, Social Security number, birth date, address, and potentially other sensitive data, was compromised in the Equifax data breach. This breach, which affected millions of consumers, exposed critical personal information and put my identity at risk of fraud and misuse. \n\nI did not authorize Equifax or any other XXXX party to disclose my personal information, and I believe this breach violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the responsibilities of consumer reporting agencies. Under this section, consumer reporting agencies are required to maintain reasonable procedures to ensure the privacy and accuracy of consumer data and to avoid harm from unauthorized access or misuse. \n\nAs a result of this breach, I have experienced significant concerns regarding potential identity theft, fraudulent accounts, loans, and credit inquires. I have had to take steps to protect myself, including placing fraud alerts, freezing my credit, and monitoring my accounts. Despite these actions, I continue to face anxiety over the long-term consequences of this breach. \n\nI request that the CFPB investigate Equifaxs practices regarding the breach, particularly their compliance with 15 U.S.C. 1681, and seek appropriate remedies for those affected. I also seek assistance in addressing any negative effects this breach has had on my credit and financial security, including ensuring that any erroneous information resulting from this breach is corrected and that I am not held liable for fraudulent activities caused by this breach.\n\nAdditionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding this breach. The report details the potential for identity theft and provides evidence of the steps Ive taken to protect myself. I am attaching a copy of the FTC report reference number XXXX for your records.","date_sent_to_company":"2025-01-31T16:13:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60624","tags":null,"has_narrative":true,"complaint_id":"11872067","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-31T15:31:17.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I did not authorize Equifax or any <em>other</em> XXXX party to disclose my <em>personal</em> information, and I believe this breach violates my rights under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the responsibilities of <em>consumer</em> <em>reporting</em> agencies. Under this section, <em>consumer</em> <em>reporting</em> agencies are required to maintain reasonable procedures to ensure the privacy and accuracy of <em>consumer</em> data and to avoid harm from unauthorized access or misuse."],"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":[16.731995,"11872067"]},{"_index":"complaint-public-v1","_id":"3818239","_score":16.713379,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, equifax, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. \n2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. \n\n3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. \n4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. \n5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. XXXX will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.","date_sent_to_company":"2020-08-28T06:25:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"174XX","tags":null,"has_narrative":true,"complaint_id":"3818239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-28T02:25:22.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As a <em>consumer</em> involved in the equifax data breach, along with the three creditors my <em>personal</em> data has continuously been misrepresented on my <em>credit</em> <em>reports</em> and these addresses and incorrect information could put me in harms way to <em>identity</em> theft by these bureaus constantly <em>reporting</em> inaccuracies representational of my <em>identity</em>. \n5. As a result of Covid I am suppose to have free access to <em>credit</em> <em>monitoring</em>, and as a victim of <em>identity</em> theft."],"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":[16.713379,"3818239"]},{"_index":"complaint-public-v1","_id":"3818251","_score":16.711878,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by trans union, XXXX, and trans union 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. \n2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. \n\n3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. \n4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. \n5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay 26 dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.","date_sent_to_company":"2020-08-28T06:25:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"174XX","tags":null,"has_narrative":true,"complaint_id":"3818251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-28T01:26:46.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As a <em>consumer</em> involved in the equifax data breach, along with the three creditors my <em>personal</em> data has continuously been misrepresented on my <em>credit</em> <em>reports</em> and these addresses and incorrect information could put me in harms way to <em>identity</em> theft by these bureaus constantly <em>reporting</em> inaccuracies representational of my <em>identity</em>. \n5. As a result of Covid I am suppose to have free access to <em>credit</em> <em>monitoring</em>, and as a victim of <em>identity</em> theft."],"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":[16.711878,"3818251"]},{"_index":"complaint-public-v1","_id":"3818235","_score":16.686287,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, XXXX, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. \n2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on experian, however it is still showing on the other two reports. \n\n3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. \n4. As a consumer involved in the XXXX data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. \n5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. Experian will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.","date_sent_to_company":"2020-08-28T06:25:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"174XX","tags":null,"has_narrative":true,"complaint_id":"3818235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-28T02:25:22.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["As a <em>consumer</em> involved in the XXXX data breach, along with the three creditors my <em>personal</em> data has continuously been misrepresented on my <em>credit</em> <em>reports</em> and these addresses and incorrect information could put me in harms way to <em>identity</em> theft by these bureaus constantly <em>reporting</em> inaccuracies representational of my <em>identity</em>. \n5. As a result of Covid I am suppose to have free access to <em>credit</em> <em>monitoring</em>, and as a victim of <em>identity</em> theft."],"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":[16.686287,"3818235"]},{"_index":"complaint-public-v1","_id":"11255285","_score":16.62981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally report that my personal information was exposed in a data breach. This breach has led to unauthorized access to my sensitive personal data, which may include, but is not limited to, my name, address, Social Security number, financial account information, and other personally identifiable information ( PII ).\n\nI am deeply concerned about the potential for identity theft and financial fraud due to this breach, and I have taken immediate steps to protect myself. These actions include monitoring my credit reports, placing fraud alerts on my accounts, and requesting credit freezes where applicable. I am also in the process of working with the affected organization to resolve any potential issues stemming from the breach.\n\nI am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure the responsible party is held accountable and to protect consumers from future breaches. Additionally, I seek guidance on any further steps I should take to safeguard my financial well-being.","date_sent_to_company":"2024-12-24T00:25:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23323","tags":"Servicemember","has_narrative":true,"complaint_id":"11255285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-24T00:25:57.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am deeply concerned about the potential for <em>identity</em> theft and financial fraud due to this breach, and I have taken immediate steps to protect myself. These actions include <em>monitoring</em> my <em>credit</em> <em>reports</em>, placing fraud alerts on my accounts, and requesting <em>credit</em> freezes where applicable. I am also in the process of working with the affected organization to resolve any potential issues stemming from the breach."],"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":[16.62981,"11255285"]},{"_index":"complaint-public-v1","_id":"11270153","_score":16.602175,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally report that my personal information was exposed in a data breach. This breach has led to unauthorized access to my sensitive personal data, which may include, but is not limited to, my name, address, Social Security number, financial account information, and other personally identifiable information ( PII ).\n\nI am deeply concerned about the potential for identity theft and financial fraud due to this breach, and I have taken immediate steps to protect myself. These actions include monitoring my credit reports, placing fraud alerts on my accounts, and requesting credit freezes where applicable. I am also in the process of working with the affected organization to resolve any potential issues stemming from the breach. \n\nI am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure the responsible party is held accountable and to protect consumers from future breaches. Additionally, I seek guidance on any further steps I should take to safeguard my financial well-being.","date_sent_to_company":"2024-12-24T00:25:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23323","tags":"Servicemember","has_narrative":true,"complaint_id":"11270153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-24T00:09:00.000Z","state":"VA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am deeply concerned about the potential for <em>identity</em> theft and financial fraud due to this breach, and I have taken immediate steps to protect myself. These actions include <em>monitoring</em> my <em>credit</em> <em>reports</em>, placing fraud alerts on my accounts, and requesting <em>credit</em> freezes where applicable. I am also in the process of working with the affected organization to resolve any potential issues stemming from the breach."],"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>"]},"sort":[16.602175,"11270153"]},{"_index":"complaint-public-v1","_id":"11120267","_score":16.581402,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have identified multiple issues with my credit report that indicate fraudulent activity, mishandling of my personal information, and improper practices by credit reporting agencies. Below are the specific problems : Incorrect Information on My Report : My credit report contains accounts and inquiries that are not mine. These accounts appear to have been fraudulently opened using my personal information. \n\nExamples include accounts listed with XXXX XXXX XXXX XXXX, XXXX XXXX, and other financial institutions, none of which I authorized or recognize. \n\nAdditionally, there are discrepancies in my personal information section, such as incorrect addresses and employment history. \n\nImproper Use of My Report : My credit report has been accessed without my consent by unknown entities. Unauthorized inquiries from these entities suggest misuse of my personal data, potentially stemming from previous breaches such as the Equifax data breach. \n\nFailure to Provide Accurate and Timely Updates : I have submitted disputes and requests for correction to the credit reporting agencies, including Equifax. However, I have not received adequate or timely responses. \n\nDespite placing a fraud alert on my credit file, new unauthorized inquiries and accounts have continued to appear, demonstrating insufficient protection of my data. \n\nThis mishandling has caused significant harm, including damage to my credit score, financial reputation, and peace of mind. \n\nLegal Violations Involved The following federal, state, and other legal frameworks are applicable to this complaint : Federal Laws : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Ensures accuracy, fairness, and privacy of consumer information. \n\nFederal Trade Commission Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive acts or practices in commerce. \nIdentity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Addresses fraudulent use of personal identity information. \n\nElectronic Communications Privacy Act ( 18 U.S.C. 2511 ) : Protects against unauthorized access to electronic communications and data. \n\nState Laws : State Breach Notification Laws : Require timely disclosure of data breaches to affected individuals. \nUnfair and Deceptive Acts and Practices ( UDAP ) Laws : Protect consumers against deceptive, unfair, or fraudulent practices. \n\nIdentity Theft Protection Acts : Mandate businesses to protect sensitive consumer information and implement security measures. \n\nUniform Commercial Code ( UCC ) : UCC Article 9 ( Secured Transactions ) : Addresses creditor and debtor rights regarding obligations and disputes.\n\nPrivacy Laws : California Consumer Privacy Act ( CCPA, if applicable ) : Provides rights regarding the collection and use of personal data.\n\nGeneral Data Protection Regulation ( GDPR, if applicable ) : Protects individuals personal data and privacy rights ( for global companies ).\n\nWhat would be a fair resolution to this issue?\n\nTo resolve this matter, I request the following actions : Conduct a Comprehensive Investigation : Investigate all disputed accounts and inquiries, provide a detailed report of findings, and permanently remove fraudulent or inaccurate information from my credit report.\n\nImplement Enhanced Security Measures : Strengthen protections on my credit file, including an extended fraud alert for a minimum of seven years.\n\nProvide Credit Monitoring Services : Offer free credit monitoring and identity theft protection for a period of at least two years to mitigate the effects of these issues. \n\nEnsure Compliance with Legal Obligations : Adhere to timelines and requirements mandated by the Fair Credit Reporting Act ( FCRA ), state laws, and other applicable regulations. \n\nHold Relevant Parties Accountable : Address systemic failures and negligence by credit reporting agencies in protecting sensitive consumer data and ensuring accurate reporting.","date_sent_to_company":"2024-12-11T16:15:53.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"11120267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-11T15:39:35.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Provide <em>Credit</em> <em>Monitoring</em> Services : Offer free <em>credit</em> <em>monitoring</em> and <em>identity</em> theft protection for a period of at least two years to mitigate the effects of these issues. \n\nEnsure Compliance with Legal Obligations : Adhere to timelines and requirements mandated by the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), state laws, and <em>other</em> applicable regulations."],"product":["<em>Credit</em> <em>reporting</em> 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":["<em>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[16.581402,"11120267"]},{"_index":"complaint-public-v1","_id":"11119815","_score":16.581116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have identified multiple issues with my credit report that indicate fraudulent activity, mishandling of my personal information, and improper practices by credit reporting agencies. Below are the specific problems : Incorrect Information on My Report : My credit report contains accounts and inquiries that are not mine. These accounts appear to have been fraudulently opened using my personal information. \n\nExamples include accounts listed with XXXX XXXX XXXX XXXX, XXXX XXXX, and other financial institutions, none of which I authorized or recognize. \n\nAdditionally, there are discrepancies in my personal information section, such as incorrect addresses and employment history. \n\nImproper Use of My Report : My credit report has been accessed without my consent by unknown entities. Unauthorized inquiries from these entities suggest misuse of my personal data, potentially stemming from previous breaches such as the XXXX data breach. \n\nFailure to Provide Accurate and Timely Updates : I have submitted disputes and requests for correction to the credit reporting agencies, including XXXX. However, I have not received adequate or timely responses. \n\nDespite placing a fraud alert on my credit file, new unauthorized inquiries and accounts have continued to appear, demonstrating insufficient protection of my data. \n\nThis mishandling has caused significant harm, including damage to my credit score, financial reputation, and peace of mind.\n\nLegal Violations Involved The following federal, state, and other legal frameworks are applicable to this complaint : Federal Laws : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Ensures accuracy, fairness, and privacy of consumer information.\n\nFederal Trade Commission Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive acts or practices in commerce.\n\nIdentity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Addresses fraudulent use of personal identity information. \n\nElectronic Communications Privacy Act ( 18 U.S.C. 2511 ) : Protects against unauthorized access to electronic communications and data.\n\nState Laws : State Breach Notification Laws : Require timely disclosure of data breaches to affected individuals.\n\nUnfair and Deceptive Acts and Practices ( UDAP ) Laws : Protect consumers against deceptive, unfair, or fraudulent practices.\n\nIdentity Theft Protection Acts : Mandate businesses to protect sensitive consumer information and implement security measures.\n\nUniform Commercial Code ( UCC ) : UCC Article 9 ( Secured Transactions ) : Addresses creditor and debtor rights regarding obligations and disputes.\n\nPrivacy Laws : California Consumer Privacy Act ( CCPA, if applicable ) : Provides rights regarding the collection and use of personal data.\n\nGeneral Data Protection Regulation ( GDPR, if applicable ) : Protects individuals personal data and privacy rights ( for global companies ).\n\nWhat would be a fair resolution to this issue?\n\nTo resolve this matter, I request the following actions : Conduct a Comprehensive Investigation : Investigate all disputed accounts and inquiries, provide a detailed report of findings, and permanently remove fraudulent or inaccurate information from my credit report.\n\nImplement Enhanced Security Measures : Strengthen protections on my credit file, including an extended fraud alert for a minimum of seven years.\n\nProvide Credit Monitoring Services : Offer free credit monitoring and identity theft protection for a period of at least two years to mitigate the effects of these issues.\n\nEnsure Compliance with Legal Obligations : Adhere to timelines and requirements mandated by the Fair Credit Reporting Act ( FCRA ), state laws, and other applicable regulations. \n\nHold Relevant Parties Accountable : Address systemic failures and negligence by credit reporting agencies in protecting sensitive consumer data and ensuring accurate reporting.","date_sent_to_company":"2024-12-11T16:16:07.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"11119815","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-11T16:16:04.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Provide <em>Credit</em> <em>Monitoring</em> Services : Offer free <em>credit</em> <em>monitoring</em> and <em>identity</em> theft protection for a period of at least two years to mitigate the effects of these issues.\n\nEnsure Compliance with Legal Obligations : Adhere to timelines and requirements mandated by the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), state laws, and <em>other</em> applicable regulations."],"product":["<em>Credit</em> <em>reporting</em> 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>"],"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>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[16.581116,"11119815"]},{"_index":"complaint-public-v1","_id":"11119813","_score":16.553026,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have identified multiple issues with my credit report that indicate fraudulent activity, mishandling of my personal information, and improper practices by credit reporting agencies. Below are the specific problems : Incorrect Information on My Report : My credit report contains accounts and inquiries that are not mine. These accounts appear to have been fraudulently opened using my personal information. \n\nExamples include accounts listed with XXXX XXXX XXXX XXXX, XXXX XXXX, and other financial institutions, none of which I authorized or recognize. \n\nAdditionally, there are discrepancies in my personal information section, such as incorrect addresses and employment history. \n\nImproper Use of My Report : My credit report has been accessed without my consent by unknown entities. Unauthorized inquiries from these entities suggest misuse of my personal data, potentially stemming from previous breaches such as the XXXX data breach. \n\nFailure to Provide Accurate and Timely Updates : I have submitted disputes and requests for correction to the credit reporting agencies, including XXXX. However, I have not received adequate or timely responses. \n\nDespite placing a fraud alert on my credit file, new unauthorized inquiries and accounts have continued to appear, demonstrating insufficient protection of my data. \n\nThis mishandling has caused significant harm, including damage to my credit score, financial reputation, and peace of mind.\n\nLegal Violations Involved The following federal, state, and other legal frameworks are applicable to this complaint : Federal Laws : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Ensures accuracy, fairness, and privacy of consumer information.\n\nFederal Trade Commission Act ( 15 U.S.C. 45 ) : Prohibits unfair or deceptive acts or practices in commerce.\n\nIdentity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Addresses fraudulent use of personal identity information.\n\nElectronic Communications Privacy Act ( 18 U.S.C. 2511 ) : Protects against unauthorized access to electronic communications and data.\n\nState Laws : State Breach Notification Laws : Require timely disclosure of data breaches to affected individuals.\n\nUnfair and Deceptive Acts and Practices ( UDAP ) Laws : Protect consumers against deceptive, unfair, or fraudulent practices.\n\nIdentity Theft Protection Acts : Mandate businesses to protect sensitive consumer information and implement security measures.\n\nUniform Commercial Code ( UCC ) : UCC Article 9 ( Secured Transactions ) : Addresses creditor and debtor rights regarding obligations and disputes.\n\nPrivacy Laws : California Consumer Privacy Act ( CCPA, if applicable ) : Provides rights regarding the collection and use of personal data.\n\nGeneral Data Protection Regulation ( GDPR, if applicable ) : Protects individuals personal data and privacy rights ( for global companies ).\n\nWhat would be a fair resolution to this issue?\n\nTo resolve this matter, I request the following actions : Conduct a Comprehensive Investigation : Investigate all disputed accounts and inquiries, provide a detailed report of findings, and permanently remove fraudulent or inaccurate information from my credit report.\n\nImplement Enhanced Security Measures : Strengthen protections on my credit file, including an extended fraud alert for a minimum of seven years.\n\nProvide Credit Monitoring Services : Offer free credit monitoring and identity theft protection for a period of at least two years to mitigate the effects of these issues.\n\nEnsure Compliance with Legal Obligations : Adhere to timelines and requirements mandated by the Fair Credit Reporting Act ( FCRA ), state laws, and other applicable regulations. \n\nHold Relevant Parties Accountable : Address systemic failures and negligence by credit reporting agencies in protecting sensitive consumer data and ensuring accurate reporting.","date_sent_to_company":"2024-12-11T16:16:07.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"11119813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-11T16:16:04.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Provide <em>Credit</em> <em>Monitoring</em> Services : Offer free <em>credit</em> <em>monitoring</em> and <em>identity</em> theft protection for a period of at least two years to mitigate the effects of these issues.\n\nEnsure Compliance with Legal Obligations : Adhere to timelines and requirements mandated by the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), state laws, and <em>other</em> applicable regulations."],"product":["<em>Credit</em> <em>reporting</em> 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>"],"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>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[16.553026,"11119813"]},{"_index":"complaint-public-v1","_id":"7359651","_score":16.461914,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XX/XX/1982 is there by Equifax Consumer Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Regarding Negligence and Mishandling of Personal Information Dear Equifax Consumer Services, I am writing this letter to express my utmost discontent and concern over the negligent and irresponsible manner in which Equifax has handled my personal information. As one of the leading credit reporting agencies entrusted with safeguarding consumer data, it is disheartening to discover the extent of the security breach that occurred under your watch. \n\nIs it true I became aware that my personal information, including my Social Security number, address, and credit history, was compromised due to a major data breach at Equifax. This incident not only exposed me to substantial financial risks but also put my personal privacy and identity at stake. Despite relying on Equifax to secure and protect my sensitive information, I feel violated and betrayed by the lack of adequate measures taken to prevent such an incident. \n\nThe gravity of this security breach can not be understated. With my information now in the hands of malicious individuals, I am vulnerable to potential identity theft, fraudulent credit applications, and other detrimental consequences that can have a lasting impact on my financial well-being. Furthermore, the breach has shattered my trust in Equifax, a company that should have operated with the utmost professionalism and security protocols in place. \n\nAdding to my frustration is the lack of transparency and timely communication from Equifax regarding this issue. It took an unreasonable amount of time for me to receive any notice or concrete information about the breach and how it may affect me. This delay only further demonstrates the nonchalant and inept manner in which my personal information has been treated. \n\nAs a result of Equifax 's negligence, I have suffered from immense stress, XXXX, and financial insecurity. In order to rectify this situation, I demand the following actions to be taken : 1. Provide free and comprehensive credit monitoring services for an extended period, ensuring constant monitoring of any suspicious activities related to my credit profile.\n\n2. Cover the costs associated with obtaining regular credit reports to monitor for any unauthorized activities.\n\n3. Establish a dedicated customer support line for affected individuals with knowledgeable representatives who can promptly address concerns and provide necessary guidance regarding identity theft protection.\n\n4. Take all necessary measures to prevent further breaches and strengthen your security framework to ensure the safety of consumer data going forward.\n\n5. Provide clear and accurate information regarding the extent of the breach, including the potential risks to my personal information, and keep me regularly updated on any new developments. \n\nI expect a timely response to this complaint, outlining the steps Equifax intends to take to address my concerns and mitigate the damages caused by this breach. Failure to provide a satisfactory resolution will leave me with no choice but to explore legal actions and report this incident to relevant regulatory authorities. \n\nIt is my hope that Equifax takes immediate and significant action to rectify the damage caused to not only me but also millions of other affected individuals. As a responsible, information-sensitive company, you have a duty to uphold the highest standards of security and protect the privacy of your customers. \n\nI trust that you will treat this matter with the gravity it deserves and take immediate steps to restore my faith in your organization once again. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-08-06T18:43:35.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"80916","tags":null,"has_narrative":true,"complaint_id":"7359651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-06T18:30:53.000Z","state":"CO","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["As one of the leading <em>credit</em> <em>reporting</em> agencies entrusted with safeguarding <em>consumer</em> data, it is disheartening to discover the extent of the security breach that occurred under your watch. \n\nIs it true I became aware that my <em>personal</em> information, including my Social Security number, address, and <em>credit</em> history, was compromised due to a major data breach at Equifax. This incident not only exposed me to substantial financial risks but also put my <em>personal</em> privacy and <em>identity</em> at stake."],"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":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"]},"sort":[16.461914,"7359651"]},{"_index":"complaint-public-v1","_id":"13298802","_score":16.383547,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Was directly effected by the Equifax data breach. my sensitive information was compromised address, social security number, drivers license number, date of birth and my name. I was directly affected by this breach, as confirmed by the official breach notification letter and control number provided to me by Equifax. Despite acknowledging the breach, Equifax failed XXXX to protect my personal information, failed to prevent unauthorized access, and has not taken sufficient accountability for the long- term consequences this exposure has caused. I am concerned about the long term effects will have on myself and other consumers. I am also concerned about the continuing risk of Identity theft, financial fraud, and other misuse of my personal data. I am asking that the CFPB hold Equifax fully accountable for their failure to safeguard consumer data, for the harm caused, and for then ongoing risks consumers like myself now face as a result of their negligence. I have taken the steps to safeguard my information freezing my credit reports, changing passwords. I am asking for immediate corrective actions, including but not limited to : extend credit monitoring, financial restitution where appropriate, permanent data security improvements, and full transparency regarding the breach impact and protections offered to affected individuals.","date_sent_to_company":"2025-05-02T21:01:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90047","tags":"Servicemember","has_narrative":true,"complaint_id":"13298802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-02T18:43:35.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite acknowledging the breach, Equifax failed XXXX to protect my <em>personal</em> information, failed to prevent unauthorized access, and has not taken sufficient accountability for the long- term consequences this exposure has caused. I am concerned about the long term effects will have on myself and <em>other</em> <em>consumers</em>. I am also concerned about the continuing risk of <em>Identity</em> theft, financial fraud, and <em>other</em> misuse of my <em>personal</em> data."],"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>"]},"sort":[16.383547,"13298802"]},{"_index":"complaint-public-v1","_id":"13313055","_score":16.380854,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Was directly effected by the Equifax data breach. my sensitive information was compromised address, social security number, drivers license number, date of birth and my name. I was directly affected by this breach, as confirmed by the official breach notification letter and control number provided to me by Equifax. Despite acknowledging the breach, Equifax failed XXXX to protect my personal information, failed to prevent unauthorized access, and has not taken sufficient accountability for the long- term consequences this exposure has caused. I am concerned about the long term effects will have on myself and other consumers. I am also concerned about the continuing risk of Identity theft, financial fraud, and other misuse of my personal data. I am asking that the CFPB hold Equifax fully accountable for their failure to safeguard consumer data, for the harm caused, and for then ongoing risks consumers like myself now face as a result of their negligence. I have taken the steps to safeguard my information freezing my credit reports, changing passwords. I am asking for immediate corrective actions, including but not limited to : extend credit monitoring, financial restitution where appropriate, permanent data security improvements, and full transparency regarding the breach impact and protections offered to affected individuals.","date_sent_to_company":"2025-05-02T21:01:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90047","tags":"Servicemember","has_narrative":true,"complaint_id":"13313055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-02T21:01:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite acknowledging the breach, Equifax failed XXXX to protect my <em>personal</em> information, failed to prevent unauthorized access, and has not taken sufficient accountability for the long- term consequences this exposure has caused. I am concerned about the long term effects will have on myself and <em>other</em> <em>consumers</em>. I am also concerned about the continuing risk of <em>Identity</em> theft, financial fraud, and <em>other</em> misuse of my <em>personal</em> data."],"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":[16.380854,"13313055"]},{"_index":"complaint-public-v1","_id":"2665994","_score":16.370584,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax used insecure systems to store my personal information, including Social Security Number, Address, Birthdate, and more, along with millions of other consumers. They finally informed the public about a breach where this information was stolen. \n\nI checked on a site they set up and both my wife and I are shown as being victims. \n\nI have taken the steps I can to secure our reports, but this has huge implications for filing our taxes, getting credit in the future, and all the other potential problems of identity theft. \n\nTo top it off, Equifax and other agencies get to charge {$10.00} to freeze your credit and another {$10.00} if you need to unfreeze it. Equifax, and honestly every reporting agency, should allow your credit to be frozen for free and at any time. Especially in response to this issue where they created a problem I would then have to pay them {$10.00} to correct. \n\nThey offer a credit monitoring service, but added language that indicates you can not participate in a class action lawsuit if you make use of it. At every turn they are making the wrong moves and the government should take action to protect the consumers harmed. \n\nThank you!","date_sent_to_company":"2017-09-08T17:43:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48152","tags":null,"has_narrative":true,"complaint_id":"2665994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:32:34.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have taken the steps I can to secure our <em>reports</em>, but this has huge implications for filing our taxes, getting <em>credit</em> in the future, and all the <em>other</em> potential problems of <em>identity</em> theft. \n\nTo top it off, Equifax and <em>other</em> agencies get to charge {$10.00} to freeze your <em>credit</em> and another {$10.00} if you need to unfreeze it. Equifax, and honestly every <em>reporting</em> agency, should allow your <em>credit</em> to be frozen for free and at any time."],"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":[16.370584,"2665994"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":483,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":483}]}},"product":{"doc_count":483,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":277,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":271},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":123,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":119},{"key":"Other personal consumer report","doc_count":3},{"key":"Credit repair services","doc_count":1}]}},{"key":"Debt collection","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":14},{"key":"Credit card debt","doc_count":9},{"key":"Other debt","doc_count":4},{"key":"Rental debt","doc_count":3},{"key":"Medical debt","doc_count":1},{"key":"Payday loan debt","doc_count":1},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":16,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":13},{"key":"Other banking product or service","doc_count":2},{"key":"Savings account","doc_count":1}]}},{"key":"Credit card","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":8},{"key":"Store credit card","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6},{"key":"Store credit card","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":3},{"key":"Mobile or digital wallet","doc_count":2},{"key":"International money transfer","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":2},{"key":"Lease","doc_count":1}]}},{"key":"Credit reporting","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":2}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt settlement","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":483,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":169,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":96},{"key":"Account information incorrect","doc_count":44},{"key":"Account status incorrect","doc_count":10},{"key":"Personal information incorrect","doc_count":8},{"key":"Public record information inaccurate","doc_count":6},{"key":"Old information reappears or never goes away","doc_count":4},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":124,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":97},{"key":"Credit inquiries on your report that you don't recognize","doc_count":27}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":43,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":30},{"key":"Was not notified of investigation status or results","doc_count":6},{"key":"Investigation took more than 30 days","doc_count":4},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":3}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":28,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":16},{"key":"Investigation took more than 30 days","doc_count":8},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Attempts to collect debt not owed","doc_count":26,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":14},{"key":"Debt was result of identity theft","doc_count":10},{"key":"Debt was paid","doc_count":2}]}},{"key":"Unable to get your credit report or credit score","doc_count":17,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":9},{"key":"Other problem getting your report or credit score","doc_count":8}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":13,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":9,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":4},{"key":"Deposits and withdrawals","doc_count":2},{"key":"Funds not handled or disbursed as instructed","doc_count":2},{"key":"Problem accessing account","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":6}]}},{"key":"Getting a credit card","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":3},{"key":"Card opened as result of identity theft or fraud","doc_count":2},{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":3},{"key":"Can't stop withdrawals from your account","doc_count":1}]}},{"key":"Fraud or scam","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":2},{"key":"Privacy issues","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":2},{"key":"Collected or attempted to collect exempt funds","doc_count":1}]}},{"key":"Dealing with your lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with customer service","doc_count":1},{"key":"Trouble with how payments are being handled","doc_count":1}]}},{"key":"False statements or representation","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":2}]}},{"key":"Problem caused by your funds being low","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Non-sufficient funds and associated fees","doc_count":2}]}},{"key":"Problem with a purchase shown on your statement","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":1},{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Advertising and marketing, including promotional offers","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Confusing or misleading advertising about the credit card","doc_count":1}]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Communication tactics","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You told them to stop contacting you, but they keep trying","doc_count":1}]}},{"key":"Confusing or misleading advertising or marketing","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Confusing or missing disclosures","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Credit monitoring or identity protection","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account terms and changes","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Identity theft / Fraud / Embezzlement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Incorrect information on credit report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with the interest rate","doc_count":1}]}},{"key":"Managing, opening, or closing your mobile wallet account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Repossession","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Damage caused or loss of personal items in vehicle during the actual repossession","doc_count":1}]}},{"key":"Trouble using your card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Unexpected or other fees","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":483,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":481},{"key":"No","doc_count":2}]}},"company_response":{"doc_count":483,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":337},{"key":"Closed with non-monetary relief","doc_count":142},{"key":"Closed with monetary relief","doc_count":4}]}},"submitted_via":{"doc_count":483,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":483}]}},"company":{"doc_count":483,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":123},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":115},{"key":"Experian Information Solutions Inc.","doc_count":97},{"key":"JPMORGAN CHASE & CO.","doc_count":9},{"key":"LEXISNEXIS","doc_count":9},{"key":"WELLS FARGO & COMPANY","doc_count":8},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":7},{"key":"AMERICAN EXPRESS COMPANY","doc_count":6},{"key":"CBC Companies, Inc.","doc_count":5},{"key":"Early Warning Services, LLC","doc_count":5},{"key":"TD BANK US HOLDING COMPANY","doc_count":5},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":4},{"key":"CITIBANK, N.A.","doc_count":4},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":4},{"key":"Portfolio Recovery Associates, LLC","doc_count":4},{"key":"Resurgent Capital Services L.P.","doc_count":4},{"key":"SANTANDER HOLDINGS USA, INC.","doc_count":4},{"key":"SYNCHRONY FINANCIAL","doc_count":4},{"key":"ALLY FINANCIAL INC.","doc_count":3},{"key":"Self Financial Inc.","doc_count":3},{"key":"Auto Trakk, LLC","doc_count":2},{"key":"CCS Financial Services, Inc.","doc_count":2},{"key":"DISCOVER BANK","doc_count":2},{"key":"Duvera Billing Services, LLC","doc_count":2},{"key":"FC HoldCo LLC","doc_count":2},{"key":"Kikoff Inc.","doc_count":2},{"key":"Paypal Holdings, Inc","doc_count":2},{"key":"TRUIST FINANCIAL CORPORATION","doc_count":2},{"key":"World Acceptance Corporation","doc_count":2},{"key":"AES/PHEAA","doc_count":1},{"key":"AMERICA FIRST FEDERAL CREDIT UNION","doc_count":1},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"Atlantic Union Bankshares, Inc.","doc_count":1},{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"BTH Management","doc_count":1},{"key":"Braviant Holdings, LLC","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"Bridgecrest Acceptance Corporation","doc_count":1},{"key":"CL Holdings LLC","doc_count":1},{"key":"CLGF Holdco 1, LLC","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"Credit Sage LLC","doc_count":1},{"key":"ENOVA INTERNATIONAL, INC.","doc_count":1},{"key":"ERC","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"FAIR COLLECTIONS & OUTSOURCING, INC.","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"General Motors Financial Company, Inc.","doc_count":1},{"key":"Ghidotti | Berger LLP","doc_count":1},{"key":"Global Lending Services LLC","doc_count":1},{"key":"HW Holding, Inc","doc_count":1},{"key":"ID Analytics, Inc.","doc_count":1},{"key":"January Technologies, Inc","doc_count":1},{"key":"Kashia Services","doc_count":1},{"key":"Key 2 Recovery, Inc.","doc_count":1},{"key":"M&T BANK CORPORATION","doc_count":1},{"key":"MOHELA","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"ONLINE Information Services, Inc.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"Pinata Rent, Inc","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Radius Global Solutions LLC","doc_count":1},{"key":"SUNRISE CREDIT SERVICES, INC","doc_count":1},{"key":"SUNTRUST BANKS, INC.","doc_count":1},{"key":"Sequium Asset Solutions, LLC","doc_count":1},{"key":"Source Receivables Management LLC","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"USCB, Inc.","doc_count":1},{"key":"Waypoint Resource Group, LLC","doc_count":1}]}},"state":{"doc_count":483,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":64},{"key":"FL","doc_count":56},{"key":"TX","doc_count":54},{"key":"GA","doc_count":48},{"key":"NV","doc_count":28},{"key":"MS","doc_count":24},{"key":"IL","doc_count":22},{"key":"NY","doc_count":16},{"key":"OH","doc_count":15},{"key":"MI","doc_count":13},{"key":"MO","doc_count":13},{"key":"PA","doc_count":13},{"key":"WA","doc_count":10},{"key":"DC","doc_count":9},{"key":"MA","doc_count":9},{"key":"NC","doc_count":9},{"key":"AZ","doc_count":8},{"key":"AR","doc_count":7},{"key":"LA","doc_count":7},{"key":"SC","doc_count":7},{"key":"TN","doc_count":7},{"key":"VA","doc_count":7},{"key":"IN","doc_count":6},{"key":"OR","doc_count":6},{"key":"MD","doc_count":5},{"key":"CO","doc_count":3},{"key":"NJ","doc_count":3},{"key":"MN","doc_count":2},{"key":"ND","doc_count":2},{"key":"OK","doc_count":2},{"key":"AK","doc_count":1},{"key":"AL","doc_count":1},{"key":"DE","doc_count":1},{"key":"HI","doc_count":1},{"key":"KY","doc_count":1},{"key":"ME","doc_count":1},{"key":"RI","doc_count":1}]}},"company_public_response":{"doc_count":483,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":243},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":13},{"key":"Company chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":483,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":60},{"key":"Older American","doc_count":13},{"key":"Older American, Servicemember","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[16.36574,"2665994"],"3":[14.525681,"11487831"],"4":[14.325864,"9460659"],"5":[13.963888,"5164986"],"6":[13.216644,"16228971"],"7":[12.572452,"7108472"],"8":[11.963334,"9334170"]}}}