{"took":166,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2536,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"14583189","_score":18.938786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:00:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14583189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T08:54:39.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are <em>fraud</em> accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.938786,"14583189"]},{"_index":"complaint-public-v1","_id":"14563417","_score":18.938786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:01:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563417","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T08:54:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are <em>fraud</em> accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["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":[18.938786,"14563417"]},{"_index":"complaint-public-v1","_id":"14563044","_score":18.914095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nas a consumer please remove these fraud accounts off my file","date_sent_to_company":"2025-07-10T10:00:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-10T08:45:03.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are <em>fraud</em> accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.914095,"14563044"]},{"_index":"complaint-public-v1","_id":"14563137","_score":18.290482,"_source":{"product":"Credit card","complaint_what_happened":"PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal ISSUE Improper use of your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nNo TYPE OF ISSUE Reporting company used your report improperly What happened? \nthese are fraud accounts on my credit file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal","date_sent_to_company":"2025-07-10T11:00:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"14563137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sparrow Financial, Inc.","date_received":"2025-07-10T08:58:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \nInactive modal ISSUE Improper use of your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nNo TYPE OF ISSUE <em>Reporting</em> company used your <em>report</em> improperly What happened? \nthese are <em>fraud</em> accounts on my <em>credit</em> file there are not me I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON XXXX SO THAT <em>OTHERS</em> CAN LEARN FROM MY EXPERIENCE."],"product":["<em>Credit</em> card"],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[18.290482,"14563137"]},{"_index":"complaint-public-v1","_id":"2671830","_score":16.82737,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is regarding the Equifax data breach first reported to the public in XXXX 2017. Equifax has been completely unhelpful thus far, offering only a website ( www.equifaxsecurity2017.com ) where one can check if his/her information has POTENTIALLY been compromised. \n\nOne serious problem with using the site mentioned above is the terms of service on that site, which state that a person who uses the lookup service provided there waives his/her legal rights. Considering that personal information released in the data breach will be \" out there '' in the world in perpetuity, it is completely unacceptable that anyone be denied his/her legal rights by using their service. This is Equifax 's mess, that Equifax is now imposing on consumers ; taking away legal rights is completely unethical. Please investigate, and take steps against Equifax forcing them to remove such language and requirements from the website. \n\nAnother problem is that all attempts to get a copy of my credit report from Equifax have failed. I am accustomed the the procedure of getting my credit report from all three major credit reporting agencies. Equifax is requiring people to input all of their information, is asking questions to confirm identity, and then presents the online user with an error page ( for lack of a better term ) saying that the request for a credit report can not be processed. The same page instructs the user to send -- by snail mail -- an long and involved letter requesting the report, along with copies of the customer 's Social Security card and other personal documents. Again, Equifax is requiring this by snail mail. Given Equifax 's lax security and total breach of public trust, this request is ludicrous. Equifax can not be trusted with such delicate information, especially in hard copy format. \n\nThis is tantamount to denying me a credit report, since Equifax has demonstrated an astounding lack of security. \n\nFinal problem for the purpose of this report : Equifax can not be contacted for the purpose of placing a fraud alert AND a freeze on my credit account. Per the Consumer Financial Protection Bureau, placing a fraud alert with one reporting agency can result in the other two agencies being notified of the fraud alert, BUT ONLY IF YOU REQUEST IT EXPLICITLY. I did not know this when I placed a fraud alert through XXXX XXXX  website, and there was no notice on XXXX XXXX  website that I had to request that XXXX  have XXXX and Equifax also place fraud alerts on my accounts. \n\nEquifax has created a mess, and then made itself either a ) inaccessible to help consumers, and/or b ) to get help, you must use their www.equifaxsecurity2017.com website which causes the consumer to waive legal rights. This is not right, and Equifax needs to be investigated and compelled to protect consumers ' legal rights as well as be compelled to provide credit protection services -- not for one lousy year, but in perpetuity. After all, the information they were responsible for safeguarding will be \" out there '' forever. I and other consumers will have to incur extra expenses and hassles for decades to come. \n\nPlease investigate and force Equifax to correct the problems I detailed above.","date_sent_to_company":"2017-09-13T16:41:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07304","tags":null,"has_narrative":true,"complaint_id":"2671830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-13T15:41:02.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This is tantamount to denying me a <em>credit</em> <em>report</em>, since Equifax has demonstrated an astounding lack of security. \n\nFinal <em>problem</em> for the purpose of this <em>report</em> : Equifax can not be contacted for the purpose of placing a <em>fraud</em> alert AND a freeze on my <em>credit</em> account. Per the <em>Consumer</em> Financial Protection Bureau, placing a <em>fraud</em> alert with one <em>reporting</em> agency can result in the <em>other</em> two agencies being notified of the <em>fraud</em> alert, BUT ONLY IF YOU REQUEST IT EXPLICITLY."],"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":[16.82737,"2671830"]},{"_index":"complaint-public-v1","_id":"6043030","_score":16.707146,"_source":{"product":"Debt collection","complaint_what_happened":"I have been a victim of identity theft, and the parties that assumed my data, fraudulently used my property, fraudulently used my deed, and falsified all documents was granted over {$300000.00} dollars and used my same property as collateral to fraudulently file for another loan for property for {$200000.00} the fraudulent XXXX home loan. \n\nThe parties also fraudulently have been stealing mail and also falsified the same schemes to file for bankruptcy protection. The parties did not have any authority to do such and one party fled to XXXX using XXXX Banks for no less than three loans without my knowledge. \n\nXXXX Banks never contacted me, XXXX XXXX, and they are refusing to comply with the guidelines that CFPB filed for injunctions to protect any victims of data breaches and identity theft. \n\nThe attorneys XXXX and XXXX denied and obstructed orders, when I never filed, never completed any loans or ever authorized any loans. \n\nThis is a direct contempt of orders CFPB filed XX/XX/2022 and attorney lied in response repeatedly and has denied any CFPB orders exist to protect victims of fraud, identity theft and property fraud loans. \n\nIn fact CFPB closed all cases, disregarding my proof and documents that have been forwarded. \n\nIntimidation and harassment is prohibited. \n\n\nXXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 Open Sent to Company XXXX XXXX XXXX XXXX reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX  XXXX FLORIDA XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX BANK XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action premier properties XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Company responded XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX reporting Credit monitoring or identity theft protection services XXXX XXXX XXXX AND ALL OTHERS XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XXXX  AND RUSHMORE COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the CFPB XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX  XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Problem with fraud alerts or security freezes XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other type of mortgage Trouble during payment process XXXX BANK XX/XX/2022 Open Sent to XXXX XXXX","date_sent_to_company":"2022-10-03T04:37:08.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"32708","tags":null,"has_narrative":true,"complaint_id":"6043030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2022-10-03T04:14:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX <em>consumer</em> <em>report</em> Incorrect information on your <em>report</em> XXXX XXXX XXXX XXXX XX/XX/2022 Open Sent to Company XXXX XXXX XXXX XXXX <em>reporting</em> Incorrect information on your <em>report</em> experian <em>consumer</em> <em>fraud</em> division XX/XX/2022 Open Sent to company XXXX XXXX XXXX <em>Credit</em> <em>reporting</em> Incorrect information on your <em>report</em> XXXX XXXX  XXXX FLORIDA XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX <em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em> Incorrect information on your <em>report</em> XXXX BANK XX/XX/2022 Closed"]},"sort":[16.707146,"6043030"]},{"_index":"complaint-public-v1","_id":"2662946","_score":16.669876,"_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":[16.669876,"2662946"]},{"_index":"complaint-public-v1","_id":"3301670","_score":15.684286,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with fraud alerts or security freezes. \n\n\nPER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE FRAUD ALERT REMOVED! I NEVER REQUESTED A FRAUD ALERT. THE FRAUD ALERT IS BE SENT TO EXPERIAN FROM XXXX. EVERY TIME I DISPUTE SOMETHING ON MY XXXX CREDIT FILE, THEIR SYSTEM PUTS A FRAUD ALERT ON MY FILE AND SENDS THIS INFORMATION OVER TO EXPERIAN AND XXXX. HOWEVER, XXXX DOESN'T ADD THE FRAUD ALERT AS I'VE EXPLAIN THIS TO THEM AS WELL, BUT EXPERIAN ALLOWS FOR THE FRAUD ALERT TO BE PLACED ON MY FILE WITHOUT EVEN CONTACTING THE CONSUMER. THEN ME AS THE CONSUMER HAS TO GO THROUGH ALL THESE UNNECESSARY HOOPS TO HAVE THE FRAUD ALERT REMOVED. I'VE VISITED THEIR WEBSITE EXPERIAN.COM/UPLOAD TO UPLOAD MY I.D./BANK STATEMENT/LETTER REQUESTING TO REMOVE FRAUD WHICH THEY ALREADY HAVE ON FILE. BUT THEIR WEBITE IS NOT ACCEPTING MY DOCUMENTS, SO I AM GOING TO ATTACH THEM TO THIS COMPLAINT!!","date_sent_to_company":"2019-07-10T16:49:31.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30060","tags":null,"has_narrative":true,"complaint_id":"3301670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-07-10T16:40:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Problem</em> with <em>fraud</em> alerts or security freezes. \n\n\nPER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE <em>FRAUD</em> ALERT REMOVED! I NEVER REQUESTED A <em>FRAUD</em> ALERT."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with <em>fraud</em> alerts or security freezes"],"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":[15.684286,"3301670"]},{"_index":"complaint-public-v1","_id":"2699951","_score":14.898276,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"All The Major Credit Bureau 's have committed fraud against me and I need these issues solved immediately. The physical addresses for these companies are listed below. Not only have they hoarded my personal information without my expressed written permission/consent they have committed fraud against this consumer on numerous occasions. I have filed a complaint on XXXX with the F.T.C ( federal trade commissions ) my complaint confirmation number is # XXXX. I called them today Thursday XXXX XXXX and they told me to contact you about my issues as well. I want all matters of my credit solved and dismissed because they were under fraud and there was no written consent by this consumer which is Me. I have tried to solve these problems and there has been no action. My next actions are to take legal actions because these company think this is a game. This is my life and I am not going to put my life in the hands of the credit bureaus. They have already let me down by providing my personal information without my consent for their financial gain.Pursuant to the 1974 Privacy Act all three credit bureaus violated all my privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt collection Practices Act all 3 bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling to various debt collection, student loan collections, employers, financial institutions, and a host of others. My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts, credit/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any other similar sensitive personal information. All relations with these 3 credit bureaus ' are in question for reporting fraudulent information to disgrace this Consumer. This Consumer wishes for the damages of XXXX XXXX dollars and credit score of XXXX from all three credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to Thank the C. F.P.B for protecting my personal information, family, and household. \n\nXXXX XXXXXXXX XXXX XXXX XXXX, Ga XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX XXXX","date_sent_to_company":"2017-11-29T21:09:31.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"40515","tags":null,"has_narrative":true,"complaint_id":"2699951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-10-12T23:31:34.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["My wish is for the C.F.P.B and F.T.C to demand on my behalf that all 3 three <em>credit</em> bureaus remove all of this <em>Consumers</em> social security numbers, date of births, financial accounts, <em>credit</em>/debit card numbers, drivers license numbers, identification number, detailed health or medical history or any <em>other</em> similar sensitive <em>personal</em> information. All relations with these 3 <em>credit</em> bureaus ' are in question for <em>reporting</em> fraudulent information to disgrace this <em>Consumer</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.898276,"2699951"]},{"_index":"complaint-public-v1","_id":"3881143","_score":13.977923,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, XXXX  and TransUnion ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. \nWe have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? XXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( Transunion and XXXX   ). \nXXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information XXXX  XXXX XXXX XXXX | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | XXXX TRANSUNION | XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX | XXXX | HTTP :  //WWW.TRANSUNION.COM XXXX  XXXX | XXXX XXXX XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE","date_sent_to_company":"2020-10-05T18:04:20.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"80439","tags":"Older American","has_narrative":true,"complaint_id":"3881143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-10-05T17:59:44.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> ISSUE <em>Problem</em> with <em>fraud</em> alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with <em>fraud</em> alerts or security freezes"],"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":[13.977923,"3881143"]},{"_index":"complaint-public-v1","_id":"2699464","_score":13.977581,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I 've recently been having fraud/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free credit report. I have been trying to get my credit report from XXXX as suggested at the government site Consumer.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct personal vulnerable information it requested just to have the website tell me that I need to send in copies of my personal and vulnerable identification. I am then reviewing consumer complaints online and I figure out that many other people had various fraudulent problems with the XXXX site. I then tried to search the site for some way to get ahold of them and they have absolutely no telephone numbers listed anywhere! I then see that on the Consumer.ftc.gov site they have a the number XXXX listed for them. Extremely weird that I had to find their number on a totally different website. I called this number everyday since XX/XX/XXXX and was unable to get through to anybody. I 've called back and tried pressing every single numbered option available. I even got to the point of just pressing zero frantically to no avail. I then did some more research online and verified that many people had experienced the same situation as me. They input very valuable information such as social security numbers and more just to find out they were not getting there report either! Please help as I believe it is possible that I am another victim of credit report fraud. I do not know what to do when I have tried everything. I need to speak to someone now as fraud is a very time crucial crime that can drastically adversely affect your life as I 'm sure you know. I am a part of many XX/XX/XXXX. Myself and the other hard working American people want to know how these organizations can say what they will about us and theft can happen yet they have no one, not even one employee that works for them or even one single location where you can speak to someone??","date_sent_to_company":"2017-10-20T17:25:05.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"94952","tags":null,"has_narrative":true,"complaint_id":"2699464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-10-11T21:15:45.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I 've recently been having <em>fraud</em>/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free <em>credit</em> <em>report</em>. I have been trying to get my <em>credit</em> <em>report</em> from XXXX as suggested at the government site <em>Consumer</em>.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct <em>personal</em> vulnerable information it requested just to have the website tell me that I need to send in copies of my <em>personal</em> and vulnerable identification."],"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>"],"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>Problem</em> getting your free annual <em>credit</em> <em>report</em>"]},"sort":[13.977581,"2699464"]},{"_index":"complaint-public-v1","_id":"3881044","_score":13.946757,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, Equifax and XXXX ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. \nWe have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? sessionidXXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and Equifax ). \nXXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information EQUIFAX INFORMATION SERVICES LLC | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | WWW.EQUIFAX.COM XXXX | XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX | XXXX | XXXX : XXXX XXXX XXXXXXXX | XXXX XXXX  XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE","date_sent_to_company":"2020-10-05T17:58:38.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"80439","tags":"Older American","has_narrative":true,"complaint_id":"3881044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-05T17:52:22.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> TYPE <em>Credit</em> <em>reporting</em> ISSUE <em>Problem</em> with <em>fraud</em> alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print?"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with <em>fraud</em> alerts or security freezes"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.946757,"3881044"]},{"_index":"complaint-public-v1","_id":"14624238","_score":13.857051,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Discover found the credit inquiry to be fraudulent back on XX/XX/XXXX and said it would be removed and to only become a XXXX  inquiry and that was in XX/XX/XXXX here it is XX/XX/XXXX and its still showing as a XXXX  inquiry so XXXX gon na attach the information provided by the company through the CFPB this way they will properly correct the information .. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : DiscoverR application ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX Dear XXXX XXXX XXXX XXXX you for your recent correspondence to the Consumer Financial Protection Bureau XXXX CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. We received an application for a new account in your name on XX/XX/XXXX, via the internet, which resulted in a credit bureau inquiry. However, the application was declined, and no account was established. We have investigated your concern and as a result, we have deemed the above-referenced Discover card application to be fraudulent. To further assist you with this matter we have sent a request to have the XX/XX/XXXX, credit bureau inquiry changed from a XXXX  inquiry to a XXXX  inquiry. A XXXX  inquiry is only viewable by you and Discover and is not viewed by other creditors. Please allow XXXX  days for this change to take effect. Please be assured we continue to be aggressive in the fight against fraud, a problem that impacts both consumers and XXXX  card companies. Since it Please be assured we continue to be aggressive in the fight against fraud, a problem that impacts both consumers and XXXX card companies. Since it appears that an individual XXXX have accessed certain pieces of your personal information, we encourage you to consider contacting each of the credit bureau XXXX XXXX XXXX XXXX XXXX XXXX on your credit reports. A fraud alert will warn anyone who receives information in your credit file that your identity XXXX have been used without your consent and recipients of your credit file information are advised to verify your identity prior to issuing credit. The contact information for the credit bureau reporting agencies that we report","date_sent_to_company":"2025-07-14T16:24:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33021","tags":null,"has_narrative":true,"complaint_id":"14624238","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-07-13T02:00:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["A XXXX  inquiry is only viewable by you and Discover and is not viewed by <em>other</em> creditors. Please allow XXXX  days for this change to take effect. Please be assured we continue to be aggressive in the fight against <em>fraud</em>, a <em>problem</em> that impacts both <em>consumers</em> and XXXX  card companies. Since it Please be assured we continue to be aggressive in the fight against <em>fraud</em>, a <em>problem</em> that impacts both <em>consumers</em> and XXXX card companies."],"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>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[13.857051,"14624238"]},{"_index":"complaint-public-v1","_id":"11985175","_score":13.80074,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Response Center Federal Trade Commission XXXX XXXX XXXX, XXXX. \nXX/XX/XXXX, XXXX XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. \nMy personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/year> Someone has used my identity to engage in the following type ( XXXX ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility The following is a description of the identity theft incident : I did not open these accounts. These accounts are not mine. Im sure I didnt open that in my name. Had an unknown phone number or phone call to Where my Identity was breached. \nI have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services. \n* Harassed by debt collector or creditor. \nIn addition, I have lost XXXX hours of my time due to the identity theft. The identity thief used the internet to open accounts or purchase goods or services. \nI have no information regarding the identity thief. \nI have contacted the following credit bureau ( XXXX ) : XXXX : * regarding the identity theft and to report the fraud. \n* to put a fraud alert on my report. \nI have had the following problems with XXXX and XXXX : _________________ I have not had any problems with any credit bureaus. \nI have not contacted the police department and filed a police report. Therefore, no police report is attached. \nPlease contact me if you have any questions or need additional information. I can be contacted by phone at XXXX. I may be contacted by email at XXXX. \nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-08T00:57:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"85014","tags":null,"has_narrative":true,"complaint_id":"11985175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2025-02-08T00:53:14.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I have contacted the following <em>credit</em> bureau ( XXXX ) : XXXX : * regarding the identity theft and to <em>report</em> the <em>fraud</em>. \n* to put a <em>fraud</em> alert on my <em>report</em>. \nI have had the following <em>problems</em> with XXXX and XXXX : _________________ I have not had any <em>problems</em> with any <em>credit</em> bureaus. \nI have not contacted the police department and filed a police <em>report</em>. Therefore, no police <em>report</em> is attached. \nPlease contact me if you have any questions or need additional information."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.80074,"11985175"]},{"_index":"complaint-public-v1","_id":"2076317","_score":13.761366,"_source":{"product":"Credit reporting","complaint_what_happened":"I am filing this complaint because ChexSystems has demonstrated some seriously broken \" investigative '' processes of consumer initiated disputes. ChexSystems does not follow a well articulated investigative process, but instead launch \" re-investigations '' on their own accord without the consumers request, that yield differing results than prior investigations. They refuse to provide information to consumers that substantiate the outcome of their investigations. Sadly, Chex also adds inaccurate information to consumer files at the whim of their broken administrative processes. \n\nChexSystems absolves themselves of any responsibility for the accuracy of information contained in their systems, but instead casts responsibility to their customers, and forces the consumer to address problems directly with ChexSystems customers, unless providing a police report. Unfortunately some police agencies do n't issue \" police reports '' when a crime has not been clearly consummated. In some cases a consumer may want to guard against the release of accurate consumer information to prevent perpetuating additional fraud. \n\nHaving gone through investigations with XXXX other Credit Reporting Agencies over the same set of fraudulent inquiries without a \" police report '', ALL of the interactions with other Credit Reporting Agencies were consumer friendly, were well defined, were conducted in a professional manner without putting personal information at risk, did not require \" re-investigations '', and resulted in the complete removal of all fraudulent and inaccurate information in my consumer file at their firms. \n\nDetails of the interactions with ChexSystems are contained in the attached file. ChexSystems does not provide direct contact information to a consumer to consult directly with a ChexSystems employee. Every communication sent from ChexSystems is sent to the consumer anonymously.","date_sent_to_company":"2016-08-24T13:41:48.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"197XX","tags":null,"has_narrative":true,"complaint_id":"2076317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2016-08-22T20:30:31.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["Having gone through investigations with XXXX <em>other</em> <em>Credit</em> <em>Reporting</em> Agencies over the same set of fraudulent inquiries without a \" police <em>report</em> '', ALL of the interactions with <em>other</em> <em>Credit</em> <em>Reporting</em> Agencies were <em>consumer</em> friendly, were well defined, were conducted in a professional manner without putting <em>personal</em> information at risk, did not require \" re-investigations '', and resulted in the complete removal of all fraudulent and inaccurate information in my <em>consumer</em> file at their firms."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["<em>Credit</em> <em>reporting</em> company's investigation"],"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>Problem</em> with statement of dispute"]},"sort":[13.761366,"2076317"]},{"_index":"complaint-public-v1","_id":"2995326","_score":13.7474985,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"A fraudulent credit card application was made using all my personal information and on XX/XX/2017 {$20000.00} was charged on a Capital One credit card. I did Not make application for this Capital One credit card and I did Not sign for this application in person, on paper and mailed, or online. I alerted Capital One of the fraudulent application and charge. I have a fraud alert in all 3 credit bureau 's and I attempted to file a fraud credit card report with the Sheriff division however, their opinion is it's a civil problem and it's between you and the credit card company. Capital One closed the account however they later changed the credit card numbers and continued billing me after they had closed the original account under a new set of credit card numbers. In order to maintain my excellent credit score and good credit reports I began to pay minimum payments until the fraud issue could be completed and the account would be closed permanently. Unfortunately, Capital One did not report the credit card fraud to the 3 credit bureau 's and only reported the amount of {$20000.00} of which ruined my near perfect credit score. I have requested several times a copy of the signed credit card application showing my signature and how it was signed. As of today 's date Capital One has not provided any of the documents I have requested of which is under the consumer 's regulatory mandated rights. If I do not receive resolution to this fraudulent credit card claim I will be forced to seek legal council to rectify this issue. I will also forward this information to other governmental agencies in regards to how Capital One has handled this fraud claim.\n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2018-08-18T22:04:28.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"37865","tags":null,"has_narrative":true,"complaint_id":"2995326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-08-18T19:40:52.000Z","state":"TN","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["I have a <em>fraud</em> alert in all 3 <em>credit</em> bureau 's and I attempted to file a <em>fraud</em> <em>credit</em> card <em>report</em> with the Sheriff division however, their opinion is it's a civil <em>problem</em> and it's between you and the <em>credit</em> card company. Capital One closed the account however they later changed the <em>credit</em> card numbers and continued billing me after they had closed the original account under a new set of <em>credit</em> card numbers."],"product":["<em>Credit</em> card or prepaid card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"sub_issue":["Card opened as result of identity theft or <em>fraud</em>"]},"sort":[13.7474985,"2995326"]},{"_index":"complaint-public-v1","_id":"2963561","_score":13.712152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently this past XX/XX/XXXX, I wrote to TransUnion ( Credit Reporting Agency ) XXXX. XXXX XXXX XXXX, PA XXXX requesting a copy of what they have listed under my social security number along with my name, social security number and address. On each occasion TransUnion has responded by denying me a copy of my credit report. TransUnion further exasperates the problem by asking me for the following : My Drivers License, State I.D, Bank Statements, and several other pieces of pertinent personal information. My complaint as a United States citizen, is that TransUnion 's procedures and practices are illegal because they sell your information without ones permission. The practice of obtaining ones information for the purpose of sale needs to be investigated by not only the CFPB by the agencies that placed XXXX ( another credit reporting agency ) under the microscope. By refusing to send me my credit report, I am being adversely affected by the fact that TransUnion is only requesting my exclusive personal information solely for the purpose of selling it to gain financial wealth. THAT SHOULD BE ILLEGAL IF IT'S NOT ALREADY!!! I have been denied credit on each occasion that I have written and requested a copy of my credit report from TransUnion. \nTransUnion after refusing to send me a copy of my credit report, request that I send them money to address the matter and ultimately offers to monitor ones credit at a fee. TransUnion needs to be investigated by each any every institution that governs consumer reporting agencies. TransUnion is a fraud and their only purpose is to extract money from consumers with the promise of protecting them. TransUnion IS A SCAM!!! \nFunny, I received my credit report from the other credit reporting agencies without dividing up massive personal information. The bottom line is, if one has been denied credit because of what is on their credit report, how are they to address the problem when they can not obtain a copy of their credit report unless they abide by the scam ways used as a catalyst to get and sell information of consumers by TransUnion. What federal agencies can we contact to address this huge problem of having to jump through hoops, pay money and be denied a copy of ones credit report. Also, TransUnion in order to scam people will not allow any human to respond but rather a computer. They are full of it!!! My first challenge for the CFPB is to see if you can reach any of the scam artist via a live person. Next I would ask that you forward this letter the the XXXX XXXX XXXX in the state of PA where these scam artist are located. Then I am asking that the CFPB deliver a copy my letter and concerns to the XXXX XXXX XXXX, Federal Trade Commission, Federal Deposit Insurance Corporation, Federal Institutions Examination Council ( division in PA ), Federal Board of governors ( for the state of PA ), National Credit Union Administration and lastly to the Financial Stability Oversight Council for the purposes of investigation. I appreciate your attention to this matter as I am XXXX XXXX percent XXXX and my credit is everything to me.","date_sent_to_company":"2018-07-16T00:19:09.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"28304","tags":null,"has_narrative":true,"complaint_id":"2963561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-07-15T22:46:08.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["TransUnion is a <em>fraud</em> and their only purpose is to extract money from <em>consumers</em> with the promise of protecting them. TransUnion IS A SCAM!!! \nFunny, I received my <em>credit</em> <em>report</em> from the <em>other</em> <em>credit</em> <em>reporting</em> agencies without dividing up massive <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["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>Problem</em> getting your free annual <em>credit</em> <em>report</em>"]},"sort":[13.712152,"2963561"]},{"_index":"complaint-public-v1","_id":"11120267","_score":13.595851,"_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":["I have identified multiple issues with my <em>credit</em> <em>report</em> that indicate fraudulent activity, mishandling of my <em>personal</em> information, and improper practices by <em>credit</em> <em>reporting</em> agencies. Below are the specific <em>problems</em> : Incorrect Information on My <em>Report</em> : My <em>credit</em> <em>report</em> contains accounts and inquiries that are not mine. These accounts appear to have been fraudulently opened using my <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["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> <em>problem</em> getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.595851,"11120267"]},{"_index":"complaint-public-v1","_id":"11119815","_score":13.577154,"_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":["I have identified multiple issues with my <em>credit</em> <em>report</em> that indicate fraudulent activity, mishandling of my <em>personal</em> information, and improper practices by <em>credit</em> <em>reporting</em> agencies. Below are the specific <em>problems</em> : Incorrect Information on My <em>Report</em> : My <em>credit</em> <em>report</em> contains accounts and inquiries that are not mine. These accounts appear to have been fraudulently opened using my <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["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> <em>problem</em> getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.577154,"11119815"]},{"_index":"complaint-public-v1","_id":"11119813","_score":13.569276,"_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":["I have identified multiple issues with my <em>credit</em> <em>report</em> that indicate fraudulent activity, mishandling of my <em>personal</em> information, and improper practices by <em>credit</em> <em>reporting</em> agencies. Below are the specific <em>problems</em> : Incorrect Information on My <em>Report</em> : My <em>credit</em> <em>report</em> contains accounts and inquiries that are not mine. These accounts appear to have been fraudulently opened using my <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["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> <em>problem</em> getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.569276,"11119813"]},{"_index":"complaint-public-v1","_id":"6033793","_score":13.549861,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, Santander Consumer USA and XXXX XXXX XXXX XXXX for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and santander, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by XXXX XXXX who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from XXXX XXXX services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. XXXX XXXX XXXX XXXX and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.","date_sent_to_company":"2022-10-03T12:53:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"6033793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2022-09-29T20:16:35.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still <em>report</em> this <em>fraud</em> on my <em>consumer</em> <em>report</em>. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from XXXX XXXX services and all <em>other</em> third parties involved."]},"sort":[13.549861,"6033793"]},{"_index":"complaint-public-v1","_id":"6032976","_score":13.463817,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, XXXX XXXX XXXX and NCB Management services inc for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and XXXX, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by NCB management who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from NCB management services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. NCB management services inc and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant XXXX XXXX.","date_sent_to_company":"2022-09-29T20:16:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"6032976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2022-09-29T18:30:12.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still <em>report</em> this <em>fraud</em> on my <em>consumer</em> <em>report</em>. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from NCB management services and all <em>other</em> third parties involved."]},"sort":[13.463817,"6032976"]},{"_index":"complaint-public-v1","_id":"6161109","_score":13.422491,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX XXXX My consumer Rights are being taken advantage of by these debt collectors, Law Offices MBA and XXXX XXXX  for committing identity theft with my name. Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the initial disclosure if any, to direct that such information not to be disclosed to third parties under 15 USC 6802 ( B ) 1c. Not to mention some HIPAA Violations but Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by Law offices MBA and XXXX XXXX  who now says i owe them a debt which on XX/XX/2022. i requested validation and have not received any notice of this attempt to collect until now but they are communicating to me via my consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and I am demanding that all illegal activities of debt collection cease and desist immediately from Law offices MBA and all other third parties involved. If I don't find remedy to cure these violations of my right to privacy under federal law, I will have no choice but to file a lawsuit in which I will be looking for actual damages caused from these companies ' unfair and deceptive practices. Law offices MBA and all other third parties involved to be criminally liable and prosecuted for aggravated identity theft pursuant 18 USC 1028A, extortion, mail fraud and theft by deception. Please note that I went through all channels to get this problem solved and I am giving formal notice that I intend litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.","date_sent_to_company":"2022-11-25T15:43:25.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"6161109","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"The Law Offices of Mitchell D. Bluhm & Associates","date_received":"2022-11-04T00:00:52.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I have reached out to XXXX and XXXX about them furnishing this unverifiable collection attempt and they still <em>report</em> this <em>fraud</em> on my <em>consumer</em> <em>report</em>. I am legally refusing to pay debt under 15 USC 1692c ( c ) and I am demanding that all illegal activities of debt collection cease and desist immediately from Law offices MBA and all <em>other</em> third parties involved."]},"sort":[13.422491,"6161109"]},{"_index":"complaint-public-v1","_id":"2146035","_score":13.256361,"_source":{"product":"Credit reporting","complaint_what_happened":"Two years ago I got my social security number. I went to XXXX XXXX XXXX Bank to open an account and I found out that I had already had a very good credit history. The bank employee gave me a copy of the transaction from XXXX specifying that she can not give me the name because of confidentiality. I told to her that it was impossible because I came to XXXX in XXXX and I just got my social number, and she sent me back to the social security XXXX to clarify the situation. There, they told me that it is a brand new number and I should be able to use it. So, I went back to the bank, I explained the situation and they opened an account for me. Also, I asked for credit score to XXXX and the other XXXX companies accredited by government but I could not get any. The answer was that : The social security number I gave them does not much the identification information in their database. I submitted all the information that they asked for, but they could not issue a credit report for me. In addition, I called the Social Security fraud line and reported my problem. \nAs I 'm still studying and not working I did not apply for a credit or credit card in the last two years. However, today when I called to be co-applicant on gas and energy accounts with my husband, the lady on the phone told me that there is a problem with my personal information and I have to send a copy of my ID to confirm my identity. \nAfter this, I tried to get an annual online report but the answer was : Based on the information that you provided, we can not find a matching credit file. \nFinally, I called the Consumer Protect Bureau and I was advised to fill the complaint online in order to fix my problem.","date_sent_to_company":"2016-10-04T19:31:28.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"89014","tags":null,"has_narrative":true,"complaint_id":"2146035","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-10-04T19:31:26.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting my free annual report"},"highlight":{"complaint_what_happened":["Also, I asked for <em>credit</em> score to XXXX and the <em>other</em> XXXX companies accredited by government but I could not get any. The answer was that : The social security number I gave them does not much the identification information in their database. I submitted all the information that they asked for, but they could not issue a <em>credit</em> <em>report</em> for me. In addition, I called the Social Security <em>fraud</em> line and <em>reported</em> my <em>problem</em>."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["Unable to get <em>credit</em> <em>report</em>/<em>credit</em> score"],"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>Problem</em> getting my free annual <em>report</em>"]},"sort":[13.256361,"2146035"]},{"_index":"complaint-public-v1","_id":"11284453","_score":13.242586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint regarding Experians handling of my credit report updates. 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This is particularly troubling as I am actively trying to resolve issues stemming from identity theft. I believe this conduct violates consumer protection principles and may contravene relevant laws governing credit reporting practices.","date_sent_to_company":"2024-12-27T00:43:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"86406","tags":null,"has_narrative":true,"complaint_id":"11284453","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-27T00:29:01.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I believe this conduct violates <em>consumer</em> protection principles and may contravene relevant laws governing <em>credit</em> <em>reporting</em> practices."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> 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