{"took":98,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2746,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6021529","_score":17.516848,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022 I submitted a complaint concerning a problem with the credit reporting company 's investigation into an existing problem. Two accounts are being reported inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. \n\nAccording to the FRCA the term investigative consumer report means, \" a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' This never took place. Although the investigation was said to be verified, a proper investigation was never completed. \n\nFurthermore, 15 USC 1681 ensures that all information reporting must be accurate. When provided with documented proof that both accounts in question are not being reported accurately, the company 's response was, \" Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently. '' Is this to suggest they can pick and choose which laws to adhere to while dismissing others at their discretion? \n\nAdditionally, I never gave the company written instruction to furnish said information as per 15 USC 1681b ( 2 ).","date_sent_to_company":"2022-09-26T20:00:36.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60619","tags":null,"has_narrative":true,"complaint_id":"6021529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-26T19:16:58.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2022 I submitted a complaint concerning a <em>problem</em> with the <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an existing <em>problem</em>. Two accounts are being <em>reported</em> inaccurately : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.516848,"6021529"]},{"_index":"complaint-public-v1","_id":"5981060","_score":16.545694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the past several months I have been trying to correct errors on my credit report with XXXX, Experian XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. \n\nAccording to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. \n\nI do not make the law, its written in the FCRA. XXXX, XXXX, and Experian have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.","date_sent_to_company":"2022-09-14T22:08:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"723XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5981060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-14T22:08:12.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to the FCRA, the term <em>investigative</em> <em>consumer</em> <em>report</em> means, a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.545694,"5981060"]},{"_index":"complaint-public-v1","_id":"5981175","_score":16.52854,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the past several months I have been trying to correct errors on my credit report with TransUnion, XXXX XXXX XXXX but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. \n\nAccording to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. \n\nI do not make the law, its written in the FCRA. TransUnion, XXXX, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.","date_sent_to_company":"2022-09-14T22:07:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"723XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5981175","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-14T21:52:46.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to the FCRA, the term <em>investigative</em> <em>consumer</em> <em>report</em> means, a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.52854,"5981175"]},{"_index":"complaint-public-v1","_id":"5981061","_score":16.52854,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the past several months I have been trying to correct errors on my credit report with XXXX, XXXX & Equifax but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. \n\nAccording to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. \n\nI do not make the law, its written in the FCRA. XXXX, Equifax, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.","date_sent_to_company":"2022-09-14T22:08:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"723XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5981061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-14T22:08:12.000Z","state":"AR","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to the FCRA, the term <em>investigative</em> <em>consumer</em> <em>report</em> means, a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[16.52854,"5981061"]},{"_index":"complaint-public-v1","_id":"2488249","_score":16.041595,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve","date_sent_to_company":"2017-05-18T18:36:13.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2488249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-18T18:30:26.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  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 a company 's <em>investigation</em> into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve"],"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":[16.041595,"2488249"]},{"_index":"complaint-public-v1","_id":"2671830","_score":15.373104,"_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":["I and <em>other</em> <em>consumers</em> will have to incur extra expenses and hassles for decades to come. \n\nPlease <em>investigate</em> and force Equifax to correct the <em>problems</em> I detailed above."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.373104,"2671830"]},{"_index":"complaint-public-v1","_id":"7325487","_score":15.275214,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello My Name Is XXXX XXXX XXXX And I Have Big Problem Transunion Claims They Checked Everything On My Report In Everything Is Accurate Im Writing to Say Thats False They Are Reporting Bankruptcy That Do Not Belong To Me I Have Documents To Match That This Account is Not Mine They Wrote me back in told me bankruptcy court reported and account to them I wrote the courts in they sent me documents stating thats false information they do not report anything to transunion Ive sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. I also have attached my documents According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. \nThey stated my account was verified but how is that possible if they did not do proper investigation according to the law. \nAlso every piece of information on this account is not reporting 100 % Accurate. \nAccording to FRCA 15 USC 1681 Everything has to be 100 % accurate They lied about who gave them my information all Im asking is they please remove or I have no other choice but to sue them","date_sent_to_company":"2023-07-31T01:28:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"611XX","tags":null,"has_narrative":true,"complaint_id":"7325487","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-31T01:15:22.000Z","state":"IL","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 also have attached my documents According to the FCRA the term <em>investigate</em> <em>consumer</em> <em>report</em> means a <em>consumer</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or may have knowledge concerning any such items of 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":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.275214,"7325487"]},{"_index":"complaint-public-v1","_id":"13994567","_score":15.1605625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : Problem with a credit reporting companys investigation into an existing problem What is your complaint about? \nI am unable to access my Experian credit report or contact their customer support. Experian is reporting information on my credit file, yet they have restricted my access unless I become a paid member, which is both unethical and possibly unlawful. \n\nI attempted to use their online portal, including XXXX, but the report is inaccessible and I received an error message. I also tried calling their customer service number, but it automatically disconnects me after directing me to try again later. \n\nAt this point, I am being denied my legal right to access and review the information being reported about me, and I have no way of verifying its accuracy or disputing errors.","date_sent_to_company":"2025-06-10T18:51:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"13994567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-10T18:47:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CFPB Complaint Sample <em>Credit</em> <em>Report</em> Access Blocked by Experian Complaint Type : <em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Sub-category : <em>Problem</em> with a <em>credit</em> <em>reporting</em> companys <em>investigation</em> into an existing <em>problem</em> What is your complaint about? \nI am unable to access my Experian <em>credit</em> <em>report</em> or contact their customer support."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.1605625,"13994567"]},{"_index":"complaint-public-v1","_id":"5838899","_score":15.108201,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. \n\nThe bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. \n\nYour agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this \" Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. \n\nI would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. \n\nThank You XXXX XXXX","date_sent_to_company":"2022-08-03T11:56:52.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"68130","tags":null,"has_narrative":true,"complaint_id":"5838899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-03T11:38:19.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 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 a <em>credit</em> <em>reporting</em> company 's <em>investigation</em> into an existing <em>problem</em> This case has been open with Transunion for a month now, and I lack their response to get the <em>credit</em> <em>report</em> they used in my <em>credit</em> denial to XXXX  on XX/XX/2022."],"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 a company's <em>investigation</em> into an existing issue"],"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"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.108201,"5838899"]},{"_index":"complaint-public-v1","_id":"3713384","_score":15.0402565,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. \n\nXXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. \n\nEquifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. \n\nI never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. \n\nI sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. \n\nI cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. \n\nPlease look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. \n\nI,","date_sent_to_company":"2020-06-24T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3713384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-24T14:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX <em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em> <em>Problem</em> with a company 's <em>investigation</em> into an existing issue EQUIFAX , INC."],"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 a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[15.0402565,"3713384"]},{"_index":"complaint-public-v1","_id":"2491655","_score":14.923331,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser","date_sent_to_company":"2017-05-23T16:25:29.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2491655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-23T16:16:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    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 a company 's <em>investigation</em> into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser"],"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 a company's <em>investigation</em> into an existing issue"],"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"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.923331,"2491655"]},{"_index":"complaint-public-v1","_id":"14695933","_score":14.865488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was trying to purchase a home and other personal items. I contacted all three bureaus and told them that the disputes I submitted was not handled properly or investigated properly. I asked them to provide me with letters and documentations of the things they are reporting to my credit for verification letters to be sent to my address on file, and I have not received any verification stating that I assumed this debt All three credit bureaus are not fully investigating this problem 15 USC 1681 From Title XXXX XXXX XXXX XXXX XXXXXXXX CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. \n( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.","date_sent_to_company":"2025-07-16T02:59:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"14695933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T02:38:11.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I was trying to purchase a home and <em>other</em> <em>personal</em> items. I contacted all three bureaus and told them that the disputes I submitted was not handled properly or <em>investigated</em> properly."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.865488,"14695933"]},{"_index":"complaint-public-v1","_id":"14658751","_score":14.865488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was trying to purchase a home and other personal items. I contacted all three bureaus and told them that the disputes I submitted was not handled properly or investigated properly. I asked them to provide me with letters and documentations of the things they are reporting to my credit for verification letters to be sent to my address on file, and I have not received any verification stating that I assumed this debt All three credit bureaus are not fully investigating this problem 15 USC 1681 From Title XXXX XXXX XXXX XXXX XXXXXXXX CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. \n( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.","date_sent_to_company":"2025-07-16T02:59:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"14658751","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T02:59:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I was trying to purchase a home and <em>other</em> <em>personal</em> items. I contacted all three bureaus and told them that the disputes I submitted was not handled properly or <em>investigated</em> properly."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.865488,"14658751"]},{"_index":"complaint-public-v1","_id":"14696171","_score":14.842889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was trying to purchase a home and other personal items. I contacted all three bureaus and told them that the disputes I submitted was not handled properly or investigated properly. I asked them to provide me with letters and documentations of the things they are reporting to my credit for verification letters to be sent to my address on file, and I have not received any verification stating that I assumed this debt All three credit bureaus are not fully investigating this problem 15 USC 1681 From Title XXXX XXXX XXXX XXXX XXXXXXXX CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. \n( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. \n( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. \n( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.","date_sent_to_company":"2025-07-16T02:59:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"773XX","tags":null,"has_narrative":true,"complaint_id":"14696171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-16T02:59:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I was trying to purchase a home and <em>other</em> <em>personal</em> items. I contacted all three bureaus and told them that the disputes I submitted was not handled properly or <em>investigated</em> properly."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.842889,"14696171"]},{"_index":"complaint-public-v1","_id":"6925664","_score":14.775987,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm a natural person my name is XXXX XXXX the credit bureau validated my rights they not doing a full investigation after disputing items multiple time they validating my rights and privacy if they don't remove these accounts its going to be major problems. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.","date_sent_to_company":"2023-05-03T23:43:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48066","tags":null,"has_narrative":true,"complaint_id":"6925664","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-03T23:43:09.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The term <em>investigative</em> <em>consumer</em> <em>report</em> means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.775987,"6925664"]},{"_index":"complaint-public-v1","_id":"6925663","_score":14.775987,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm a natural person my name is XXXX XXXX the credit bureau validated my rights they not doing a full investigation after disputing items multiple time they validating my rights and privacy if they don't remove these accounts its going to be major problems. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.","date_sent_to_company":"2023-05-03T23:43:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48066","tags":null,"has_narrative":true,"complaint_id":"6925663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-03T23:43:09.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The term <em>investigative</em> <em>consumer</em> <em>report</em> means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.775987,"6925663"]},{"_index":"complaint-public-v1","_id":"6925752","_score":14.759109,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm a natural person my name is XXXX XXXX the credit bureau validated my rights they not doing a full investigation after disputing items multiple time they validating my rights and privacy if they don't remove these accounts its going to be major problems. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.","date_sent_to_company":"2023-05-03T23:43:05.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48066","tags":null,"has_narrative":true,"complaint_id":"6925752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-03T23:12:21.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The term <em>investigative</em> <em>consumer</em> <em>report</em> means a <em>consumer</em> <em>report</em> or portion thereof in which information on a <em>consumers</em> character, general reputation, <em>personal</em> characteristics, or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of the <em>consumer</em> <em>reported</em> on or with <em>others</em> with whom he is acquainted or who may have knowledge concerning any such items of information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's <em>investigation</em> into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[14.759109,"6925752"]},{"_index":"complaint-public-v1","_id":"2076317","_score":14.640951,"_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 <em>investigations</em> 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-<em>investigations</em> '', 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 <em>investigation</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> with statement of dispute"]},"sort":[14.640951,"2076317"]},{"_index":"complaint-public-v1","_id":"2963561","_score":14.200881,"_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 fraud 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":[14.200881,"2963561"]},{"_index":"complaint-public-v1","_id":"6373975","_score":14.190839,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These items on my credit report as follows XXXX ( XXXX XXXX XXXX ) ... ( Ars account resolution ) ... dept.of education ( XXXX XXXX  whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.","date_sent_to_company":"2022-12-30T03:34:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"6373975","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"HCFS Healthcare Financial Services of TeamHealth","date_received":"2022-12-30T03:34:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I called XXXX, XXXX, and XXXX about an <em>investigation</em> before and still the <em>problem</em> exists on my <em>credit</em> <em>report</em>. 15u.s.c1681 section603 ( 3 ) ( E ) states the term <em>investigative</em> <em>consumer</em> <em>reports</em> or portion there of in which information on a <em>consumer</em> character or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of <em>consumers</em> <em>reported</em> on or with <em>others</em> with whom he's acquainted or who may have knowledge concerning any such items of information.however such 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":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.190839,"6373975"]},{"_index":"complaint-public-v1","_id":"6374020","_score":14.184166,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These items on my credit report as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ... dept.of education ( Aidvantage ) whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.","date_sent_to_company":"2023-01-05T16:00:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"6374020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2022-12-30T02:35:21.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I called XXXX, XXXX, and XXXX about an <em>investigation</em> before and still the <em>problem</em> exists on my <em>credit</em> <em>report</em>. 15u.s.c1681 section603 ( 3 ) ( E ) states the term <em>investigative</em> <em>consumer</em> <em>reports</em> or portion there of in which information on a <em>consumer</em> character or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of <em>consumers</em> <em>reported</em> on or with <em>others</em> with whom he's acquainted or who may have knowledge concerning any such items of information.however such 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":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.184166,"6374020"]},{"_index":"complaint-public-v1","_id":"6373976","_score":14.184166,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These items on my credit report as follows XXXX ( caine & weiner ) ... ( XXXX XXXX XXXX ) ... dept.of education XXXX XXXX XXXX  whom I've been trying to get them to understand that they have wrong information concerning any of these accounts and some I have no clue about at all. They have been on my credit and have sold my information to other companies which has violated my rights and privacy. I called XXXX, XXXX, and XXXX about an investigation before and still the problem exists on my credit report. 15u.s.c1681 section603 ( 3 ) ( E ) states the term investigative consumer reports or portion there of in which information on a consumer character or mode of living is obtained through personal interviews with neighbors, friends, or associates of consumers reported on or with others with whom he's acquainted or who may have knowledge concerning any such items of information.however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer..also they have violated my rights numerous times. The credit bureaus violated my rights under the 15u.s.c 1681. According to 15 usc 1681 section 602a states I have the rights to privacy and 15u.s.c 1681 sec. 604 a sec 2 states a consumer agency can not furnish a account without my written instructions.","date_sent_to_company":"2022-12-30T03:34:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":null,"has_narrative":true,"complaint_id":"6373976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAINE & WEINER COMPANY, INC.","date_received":"2022-12-30T03:34:15.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I called XXXX, XXXX, and XXXX about an <em>investigation</em> before and still the <em>problem</em> exists on my <em>credit</em> <em>report</em>. 15u.s.c1681 section603 ( 3 ) ( E ) states the term <em>investigative</em> <em>consumer</em> <em>reports</em> or portion there of in which information on a <em>consumer</em> character or mode of living is obtained through <em>personal</em> interviews with neighbors, friends, or associates of <em>consumers</em> <em>reported</em> on or with <em>others</em> with whom he's acquainted or who may have knowledge concerning any such items of information.however such 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":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.184166,"6373976"]},{"_index":"complaint-public-v1","_id":"8943792","_score":14.158044,"_source":{"product":"Debt collection","complaint_what_happened":"IN THIS COMPLAINT U WIIL OUT THAT ALL THREE CREDIT REPORT AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO CONSUMER ALL THREE CREDIT REPORT AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO CONSUMER DATA INFORMATION ALL THREE CREDIT REPORT AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH OTHER CREDIT REPORT AGENCY THE OTHER COMPANY ALSO DATD BRECH MY CREDIT REPORT WITH NO AUTHORITY TO OPEN MY CREDIT REPORT THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND OVER WITH ALL THE CREDIT REPORT AGENCIES THAT THIS IS MY TWIN BROTHER INFORMATION AND ACCOUNT WE BOTH SENT IN ALL DOCUMENTS IDENTITY EQUIFAX, XXXX AND XXXX SHOWING ID NUMBER DRIVE LICENSE SS NUMBER OF BOTH PARTIES WE HAVE BEEN DISPUTING THIS PROBLEM 2-3 MONTHS AND NO ACTION WAS NOT HANDLE AT ALL ALL THREE CREDIT REPORT AGENCIES FORCE THIS ON MY CREDIT REPORT AFTER ALL THIS THEY ARE SAYING THAT THEY THIS IS MY ACCOUNT I ALSO PUT IN SO MANY DISPUTE OVER AND OVER AGAIN I KEEP TELLING ALL THREE CREDIT REPORT AGENCY 'S XXXX XXXX  XXXX THEY ALL IN DATA BEACH OF PERSONAL INFORMATION XXXX XXXX  XXXX  PLACE AUTO MY TWIN BROTHER CALLED XXXX XXXX XXXX PLACE EXPLAING TO THEM ALSO HAD NO BUSINESS TO INFORMING MY TWIN BROTHER ABOUT MY NAME ACCOUNT OR ANY PERSONAL INFORMATION MY TWIN BROTHER WE HAVE THE FIRST 5 NUMBERS ARE A SAME BUT THE LAST FOUR NUMBERS ARE SO DIFFERENT XXXX ALL THREE CREDIT REPORT AGENCIES SHOULD HAVE DONE A FULL INVESTIGATION AND XXXX XXXX XXXX PLACE DID NOT FOLLOW PROTOCOL SPECIAL DEALING WITH TWO DIFFERENT PEOPLE PERSONAL INFORMATION WAS NOT HANDLED OR PROTECTED BOTH CONSUMER DATA INFORMATION IT IS SO RECKLESS ABOUT HANDLING TWO CONSUMER","date_sent_to_company":"2024-05-06T09:24:04.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"77015","tags":null,"has_narrative":true,"complaint_id":"8943792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-06T07:25:09.000Z","state":"TX","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["IN THIS COMPLAINT U WIIL OUT THAT ALL THREE <em>CREDIT</em> <em>REPORT</em> AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO <em>CONSUMER</em> ALL THREE <em>CREDIT</em> <em>REPORT</em> AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO <em>CONSUMER</em> DATA INFORMATION ALL THREE <em>CREDIT</em> <em>REPORT</em> AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH <em>OTHER</em> <em>CREDIT</em> <em>REPORT</em> AGENCY THE <em>OTHER</em> COMPANY ALSO DATD BRECH MY <em>CREDIT</em> <em>REPORT</em> WITH NO AUTHORITY TO OPEN MY <em>CREDIT</em> <em>REPORT</em> THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND"]},"sort":[14.158044,"8943792"]},{"_index":"complaint-public-v1","_id":"8939262","_score":14.156536,"_source":{"product":"Debt collection","complaint_what_happened":"IN THIS COMPLAINT U WIIL OUT THAT ALL THREE CREDIT REPORT AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO CONSUMER ALL THREE CREDIT REPORT AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO CONSUMER DATA INFORMATION ALL THREE CREDIT REPORT AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH OTHER CREDIT REPORT AGENCY THE OTHER COMPANY ALSO DATD BRECH MY CREDIT REPORT WITH NO AUTHORITY TO OPEN MY CREDIT REPORT THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND OVER WITH ALL THE CREDIT REPORT AGENCIES THAT THIS IS MY TWIN BROTHER INFORMATION AND ACCOUNT WE BOTH SENT IN ALL DOCUMENTS IDENTITY XXXX, EXPERIAN AND XXXX SHOWING ID NUMBER DRIVE LICENSE SS NUMBER OF BOTH PARTIES WE HAVE BEEN DISPUTING THIS PROBLEM 2-3 MONTHS AND NO ACTION WAS NOT HANDLE AT ALL ALL THREE CREDIT REPORT AGENCIES FORCE THIS ON MY CREDIT REPORT AFTER ALL THIS THEY ARE SAYING THAT THEY THIS IS MY ACCOUNT I ALSO PUT IN SO MANY DISPUTE OVER AND OVER AGAIN I KEEP TELLING ALL THREE CREDIT REPORT AGENCY 'S XXXX XXXX  XXXX THEY ALL IN DATA BEACH OF PERSONAL INFORMATION XXXX XXXX  XXXX  PLACE AUTO MY TWIN BROTHER CALLED XXXX XXXX XXXX PLACE EXPLAING TO THEM ALSO HAD NO BUSINESS TO INFORMING MY TWIN BROTHER ABOUT MY NAME ACCOUNT OR ANY PERSONAL INFORMATION MY TWIN BROTHER WE HAVE THE FIRST XXXX NUMBERS ARE A SAME BUT THE LAST XXXX NUMBERS ARE SO DIFFERENT XXXX ALL THREE CREDIT REPORT AGENCIES SHOULD HAVE DONE A FULL INVESTIGATION AND XXXX XXXX XXXX PLACE DID NOT FOLLOW PROTOCOL SPECIAL DEALING WITH TWO DIFFERENT PEOPLE PERSONAL INFORMATION WAS NOT HANDLED OR PROTECTED BOTH CONSUMER DATA INFORMATION IT IS SO RECKLESS ABOUT HANDLING TWO CONSUMER","date_sent_to_company":"2024-05-06T09:24:17.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"77015","tags":null,"has_narrative":true,"complaint_id":"8939262","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-06T09:24:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["IN THIS COMPLAINT U WIIL OUT THAT ALL THREE <em>CREDIT</em> <em>REPORT</em> AGENCY REFUSING TO FIX THIS INFORMATION DATA BEACH OF TO <em>CONSUMER</em> ALL THREE <em>CREDIT</em> <em>REPORT</em> AGENCY ARE RESPONSIBLE FOR THERE ACTIONS FAIL TO PROTECT THESE TWO <em>CONSUMER</em> DATA INFORMATION ALL THREE <em>CREDIT</em> <em>REPORT</em> AGENCIES JUST MERGED BOTH PARTIES INFORMATION TO EACH <em>OTHER</em> <em>CREDIT</em> <em>REPORT</em> AGENCY THE <em>OTHER</em> COMPANY ALSO DATD BRECH MY <em>CREDIT</em> <em>REPORT</em> WITH NO AUTHORITY TO OPEN MY <em>CREDIT</em> <em>REPORT</em> THEY ALL IN DATA BEACH ME AND MY TWIN BROTHER HAVE TRY OVER AND"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.156536,"8939262"]},{"_index":"complaint-public-v1","_id":"6043030","_score":14.091803,"_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":["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 <em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em> <em>Problem</em> with a company 's <em>investigation</em> into an existing issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX <em>reporting</em> <em>Problem</em> 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 <em>Credit</em> <em>reporting</em>"]},"sort":[14.091803,"6043030"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2746,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2746}]}},"product":{"doc_count":2746,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer 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