{"took":176,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":4368,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4290928","_score":14.53065,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am unable to get the report from XXXX and Transunion. \nThis is the error I get when I perform the steps to get the Transunion report. \n\nWe are unable to confirm your identity. The identity security system confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. \n\nI called Transunion multiple times and have been transferred from one department to other like Main number, Consumer interactive, Special handling department and online support team but no luck. \n\nHere are the numbers I called in the past few days. \nXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-04-12T20:31:32.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"22043","tags":null,"has_narrative":true,"complaint_id":"4290928","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-12T20:22:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["I am <em>unable</em> to get the <em>report</em> from XXXX and Transunion. \nThis is the error I get when I perform the steps to get the Transunion <em>report</em>. \n\nWe are <em>unable</em> to confirm your identity. The identity security system confirms your identity through a series of questions based on accounts and <em>personal</em> information contained in your Free Annual <em>Credit</em> <em>Report</em>. The system was <em>unable</em> to get enough information from the Free Annual <em>Credit</em> <em>Report</em> to complete this process."],"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>Unable</em> 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":["Problem getting your free annual <em>credit</em> <em>report</em>"]},"sort":[14.53065,"4290928"]},{"_index":"complaint-public-v1","_id":"6220667","_score":14.451478,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. \nThe credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.","date_sent_to_company":"2022-11-18T20:05:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23602","tags":null,"has_narrative":true,"complaint_id":"6220667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-11-18T20:05:32.000Z","state":"VA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Now I'm <em>unable</em> to obtain <em>personal</em> and business <em>credit</em>. I'm <em>unable</em> to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request."],"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>Credit</em> <em>reporting</em>"]},"sort":[14.451478,"6220667"]},{"_index":"complaint-public-v1","_id":"6220089","_score":14.451478,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. \nThe credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.","date_sent_to_company":"2022-11-18T20:05:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"23602","tags":null,"has_narrative":true,"complaint_id":"6220089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2022-11-18T20:05:32.000Z","state":"VA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Now I'm <em>unable</em> to obtain <em>personal</em> and business <em>credit</em>. I'm <em>unable</em> to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request."],"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>Credit</em> <em>reporting</em>"]},"sort":[14.451478,"6220089"]},{"_index":"complaint-public-v1","_id":"2345798","_score":13.951584,"_source":{"product":"Credit reporting","complaint_what_happened":"Equifax is unable to update my personal information such as address, telephone number, and transmit it to XXXX and XXXX. Equifax has been unable to update this information because XXXX and XXXX will not communicate correctly with Equifax. Equifax is unable to fix the Equifax ID Patrol product credit report lock feature. It 's currently not working which would allow for me to lock my credit report. Currently this has been a problem for 8 months and is ongoing. I believe I 'm the victim of Identity Theft and use of my personal and professional information is being used in ill will. There is a feature that Equifax provides as an email to consumer stating that no news is good news dissuading you from checking the internal ID portal, in a way assuring you everything is ok. This is a false status email and I believe is wrong. All prior complaints of change of addresses and phone numbers from my account have been removed, but still have incorrect data published. Equifax is now telling me it 's my responsibility to update the information with XXXX and XXXX. Eliminating the obligation of reporting to the other credit agencies from what I pay for each month.","date_sent_to_company":"2017-02-15T18:49:28.000Z","issue":"Credit monitoring or identity protection","sub_product":null,"zip_code":"11361","tags":null,"has_narrative":true,"complaint_id":"2345798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-02-15T18:49:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Account terms and changes"},"highlight":{"complaint_what_happened":["Eliminating the obligation of <em>reporting</em> to the <em>other</em> <em>credit</em> agencies from what I pay for each month."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["<em>Credit</em> monitoring or identity protection"]},"sort":[13.951584,"2345798"]},{"_index":"complaint-public-v1","_id":"6039044","_score":13.885356,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian provides no way to offer technical assistance to customers who have been locked out of their web services, effectively holding their credit reports hostage and rendering consumers unable to access credit if it is frozen. \n\nI have spent over 6 hours on a maze of circular phone support with no opportunity to discuss my issues with a real human being. The only other option they offer is to send a letter with all of my personal information to their headquarters.","date_sent_to_company":"2022-10-01T16:05:04.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30030","tags":null,"has_narrative":true,"complaint_id":"6039044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-01T16:01:28.000Z","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":["Experian provides no way to offer technical assistance to customers who have been locked out of their web services, effectively holding their <em>credit</em> <em>reports</em> hostage and rendering <em>consumers</em> <em>unable</em> to access <em>credit</em> if it is frozen. \n\nI have spent over 6 hours on a maze of circular phone support with no opportunity to discuss my issues with a real human being. The only <em>other</em> option they offer is to send a letter with all of my <em>personal</em> information to their headquarters."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.885356,"6039044"]},{"_index":"complaint-public-v1","_id":"1902619","_score":13.765024,"_source":{"product":"Credit reporting","complaint_what_happened":"I am re-financing my mortgage ( hopefully ) and I needed to review my credit report. I was able to access XXXX and XXXX, but unable to access Experian. I tried XXXX Internet portals, but could never get beyond the first page where I provided my personal information. Both sites took me back to the first page repeatedly. I called and spoke with XXXX at Experian. She was unable to help me although she did try. Since I am entitled to one free report per year, this is ridiculous. I notice that others have complained about the same issue. A consumer reporting agency should not have to be called to task. I give them a score of XXXX.","date_sent_to_company":"2016-04-29T23:23:34.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"80228","tags":"Older American","has_narrative":true,"complaint_id":"1902619","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-04-29T23:23:34.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting my free annual report"},"highlight":{"complaint_what_happened":["I notice that <em>others</em> have complained about the same issue. A <em>consumer</em> <em>reporting</em> agency should not have to be called to task. I give them a score of XXXX."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["<em>Unable</em> 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":["Problem getting my free annual <em>report</em>"]},"sort":[13.765024,"1902619"]},{"_index":"complaint-public-v1","_id":"12686584","_score":13.738087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Trying to unfreeze my credit with Experian. My personal information is not working to access this online and the phone tree will not allow me to speak to an agent and the phone tree hangs up in me. I am unable to access my credit report because it is frozen ( which I did in the past as a result of the data leak from this company ). I am concerned this company is making it difficult to contact them without purchasing a premium account. My wife had the same problem and multiple other consumers have complained about this. It should not be so hard to access my personal information.","date_sent_to_company":"2025-03-27T18:43:12.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"859XX","tags":null,"has_narrative":true,"complaint_id":"12686584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-27T18:35:58.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["My wife had the same problem and multiple <em>other</em> <em>consumers</em> have complained about this. It should not be so hard to access my <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Unable</em> to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.738087,"12686584"]},{"_index":"complaint-public-v1","_id":"4153575","_score":13.718196,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021 Unable to get annual free credit report from Experian. They took all my personal information name, address, SSN, phone, e-mail and replied by stating they are restricting access to my credit report to prevent identity theft. Credit report links to a visual broken maintenance icon but no other page links. Phone number links to an automated message service that redirects you to re-register through the internet page that doesn't work to begin with. They are collecting people 's identities and personal information with the promise of giving you your annual credit report but then are not issuing the report and purposely not allowing you to contact them directly. Why isn't this being looked into? Please help consumers.","date_sent_to_company":"2021-02-20T17:21:06.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"80503","tags":null,"has_narrative":true,"complaint_id":"4153575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-20T17:05:54.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["XX/XX/2021 <em>Unable</em> to get annual free <em>credit</em> <em>report</em> from Experian. They took all my <em>personal</em> information name, address, SSN, phone, e-mail and replied by stating they are restricting access to my <em>credit</em> <em>report</em> to prevent identity theft. <em>Credit</em> <em>report</em> links to a visual broken maintenance icon but no <em>other</em> page links. Phone number links to an automated message service that redirects you to re-register through the internet page that doesn't work to begin with."],"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>Unable</em> 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":["Problem getting your free annual <em>credit</em> <em>report</em>"]},"sort":[13.718196,"4153575"]},{"_index":"complaint-public-v1","_id":"6331546","_score":13.329757,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/ i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i","date_sent_to_company":"2022-12-17T01:22:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"73115","tags":null,"has_narrative":true,"complaint_id":"6331546","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-17T01:22:45.000Z","state":"OK","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I'm making sure my <em>personal</em> request to ensure that NO INACCURATE DEROGATORY information is <em>reporting</em> on my <em>Consumer</em> <em>Credit</em> <em>Report</em> and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by <em>other</em> CRAs, are immediately deleted from my file. I have things that are <em>reporting</em> on my <em>credit</em> file that were previously deleted by <em>other</em> CRAs but still being <em>reported</em> by EQUIFAX."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.329757,"6331546"]},{"_index":"complaint-public-v1","_id":"6494135","_score":13.29817,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Wrongful auto repossessions by servicers.repossessing vehicles, even after I took intentional actions to prevent repossessions.I lose personal property when the vehicle is repossessed or are unable to hold on to their job due to the lack of transportation. They also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on their credit reports.The auto servicers engaged in unfairly failing to obtain refunds for borrowers for add-on products that no longer provided a benefit. In other instances, they found that auto servicers misled consumers about the amount of their final loan payments after their normal payments were deferred due to financial difficulties.Failure by credit reporting companies to conduct reasonable investigations into disputed debts.They also illegal charge me for a down payment for the car.","date_sent_to_company":"2023-01-28T03:35:39.000Z","issue":"Getting a loan or lease","sub_product":"Lease","zip_code":"28304","tags":null,"has_narrative":true,"complaint_id":"6494135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2023-01-28T03:17:19.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["In <em>other</em> instances, they found that auto servicers misled <em>consumers</em> about the amount of their final loan payments after their normal payments were deferred due to financial difficulties.Failure by <em>credit</em> <em>reporting</em> companies to conduct reasonable investigations into disputed debts.They also illegal charge me for a down payment for the car."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.29817,"6494135"]},{"_index":"complaint-public-v1","_id":"9253362","_score":13.229721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I called Equifax to inquire about the missing historical data on my consumer report. It seems that other agencies, like XXXX, are also facing the same issue. XXXX 's response states, \" Sorry, we can't show you today 's 3-bureau report. This might indicate that Equifax either has no record of your credit history or holds different personal details for you in their files. Until this issue is resolved, you will be unable to access your report. '' It has been 30 days without a response, and this has negatively affected my finances for my business.","date_sent_to_company":"2024-06-13T23:40:12.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"33023","tags":null,"has_narrative":true,"complaint_id":"9253362","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-13T23:11:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I called Equifax to inquire about the missing historical data on my <em>consumer</em> <em>report</em>. It seems that <em>other</em> agencies, like XXXX, are also facing the same issue. XXXX 's response states, \" Sorry, we can't show you today 's 3-bureau <em>report</em>. This might indicate that Equifax either has no record of your <em>credit</em> history or holds different <em>personal</em> details for you in their files."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Unable</em> to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.229721,"9253362"]},{"_index":"complaint-public-v1","_id":"7441994","_score":13.18621,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nAccount name : XXXX : ACCOUNT # XXXX, has violated my rights. \n\nI Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. \n\n15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.\n\n15 USC 1681 section 602A states I have a right to privacy.\n\n15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.\n\n15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.\n\n15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2023-08-22T17:18:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48195","tags":null,"has_narrative":true,"complaint_id":"7441994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-22T17:18:19.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Any <em>other</em> adverse items of information, <em>other</em> than records of convictions, of crimes which antedates the <em>report</em> by more than 7 years.\n\n15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a <em>consumer</em> to any <em>consumer</em> <em>reporting</em> agency if the person knows or has reasonable cause to believe that the information is inaccurate."],"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":[13.18621,"7441994"]},{"_index":"complaint-public-v1","_id":"7439758","_score":13.164477,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nAccount name : XXXX : ACCOUNT # XXXX, has violated my rights. \n\nI Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car.\n\n15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.\n\n15 USC 1681 section 602A states I have a right to privacy.\n\n15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.\n\n15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years.\n\n15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2023-08-22T17:18:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48195","tags":null,"has_narrative":true,"complaint_id":"7439758","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-22T17:18:19.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Any <em>other</em> adverse items of information, <em>other</em> than records of convictions, of crimes which antedates the <em>report</em> by more than 7 years.\n\n15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a <em>consumer</em> to any <em>consumer</em> <em>reporting</em> agency if the person knows or has reasonable cause to believe that the information is inaccurate."],"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":[13.164477,"7439758"]},{"_index":"complaint-public-v1","_id":"7441973","_score":13.16242,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\nAccount name : XXXX : ACCOUNT # XXXX, has violated my rights. \n\nI Have requested and investigation from the reporting bureaus to ensure all information reporting to my report is lawful and accurate. They have failed to do this. These inaccuracies are hindering me from moving forward in both my business and personal life. I am unable to move forward with financing for my 3 year established business, I am unable to qualify to buy a home for my family, and cant even get a new car. \n\n15 USC 1681 section 623 ( a ) prohibits a person from furnishing inaccurate information to the CRA.\n\n15 USC 1681 section 602A states I have a right to privacy.\n\n15 USC 1681 section 604 A : also states a consumer reporting agency can not furnish an account without my written instructions.\n\n15 USC 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions, of crimes which antedates the report by more than 7 years. \n\n15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2023-08-22T17:18:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48195","tags":null,"has_narrative":true,"complaint_id":"7441973","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-22T16:42:09.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Any <em>other</em> adverse items of information, <em>other</em> than records of convictions, of crimes which antedates the <em>report</em> by more than 7 years. \n\n15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a <em>consumer</em> to any <em>consumer</em> <em>reporting</em> agency if the person knows or has reasonable cause to believe that the information is inaccurate."],"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":[13.16242,"7441973"]},{"_index":"complaint-public-v1","_id":"6331549","_score":13.138356,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/2022 i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i","date_sent_to_company":"2022-12-17T01:22:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"73115","tags":null,"has_narrative":true,"complaint_id":"6331549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-17T01:22:45.000Z","state":"OK","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I'm making sure my <em>personal</em> request to ensure that NO INACCURATE DEROGATORY information is <em>reporting</em> on my <em>Consumer</em> <em>Credit</em> <em>Report</em> and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by <em>other</em> CRAs, are immediately deleted from my file. I have things that are <em>reporting</em> on my <em>credit</em> file that were previously deleted by <em>other</em> CRAs but still being <em>reported</em> by EQUIFAX."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.138356,"6331549"]},{"_index":"complaint-public-v1","_id":"6331580","_score":13.110694,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/2022 i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i","date_sent_to_company":"2022-12-17T01:22:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"73115","tags":null,"has_narrative":true,"complaint_id":"6331580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-12-17T01:11:42.000Z","state":"OK","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I'm making sure my <em>personal</em> request to ensure that NO INACCURATE DEROGATORY information is <em>reporting</em> on my <em>Consumer</em> <em>Credit</em> <em>Report</em> and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by <em>other</em> CRAs, are immediately deleted from my file. I have things that are <em>reporting</em> on my <em>credit</em> file that were previously deleted by <em>other</em> CRAs but still being <em>reported</em> by EQUIFAX."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.110694,"6331580"]},{"_index":"complaint-public-v1","_id":"3147532","_score":13.058284,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax, who in 2017 exposed the sensitive personal financial information of 143 million Americans, is back to their incompetent and damaging behavior. They are unable to manage credit freezes, which for me would be a temporary lift on my credit freeze, because for the last day their systems are going through an \" update ''. Clearly they can not bring themselves to say \" outage ''. As usual, they insult the intelligence of the American consumer. As a result of their never-ending \" update '', I am unable to lift my credit for a creditor ( XXXX XXXX XXXX ) to reinstall a communications circuit that I urgently need restored. They have sent me to various departments, none of whom are able to help, because they have no access to credit reports either. So they have no existing process for handling outages on their consumer-facing side of the business other than to bounce people around. My contact at XXXX XXXX XXXX reports he is unable to get any assistance from his contacts. So basically we have Equifax, a repeat offender for egregious and incompetent management of security and resiliency, who have impacted hundreds of millions of consumers before, who has now ground the credit economy to a halt for today. They created a situation whereby in order to protect my financial security I am required to put a freeze on my credit, and pay them to remove it each time I need it lifted. And now they are unable to do even that. So I'm being denied access to credit because they can't run their business reliably. It's completely intolerable, and I need my government to regulate this company and force them into compliance.","date_sent_to_company":"2019-02-09T17:52:08.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77008","tags":null,"has_narrative":true,"complaint_id":"3147532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-02-09T17:29:18.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["As a result of their never-ending \" update '', I am <em>unable</em> to lift my <em>credit</em> for a creditor ( XXXX XXXX XXXX ) to reinstall a communications circuit that I urgently need restored. They have sent me to various departments, none of whom are able to help, because they have no access to <em>credit</em> <em>reports</em> either. So they have no existing process for handling outages on their <em>consumer</em>-facing side of the business <em>other</em> than to bounce people around."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.058284,"3147532"]},{"_index":"complaint-public-v1","_id":"22575791","_score":13.057028,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding XXXX Citi Card accounts currently appearing on my credit report that I do not recognize and believe may be inaccurate or fraudulent. \n\nI contacted Citibank directly in an attempt to verify these accounts. However, after multiple searches using my full name, Social Security number, telephone number, and other identifying information, Citibank representatives informed me that they were unable to locate any accounts associated with me in their system. \n\nThis situation is extremely concerning because these accounts continue to be reported on my consumer credit reports despite the creditor being unable to verify or identify them internally. \n\nUnder the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported. If the furnisher can not identify or validate the accounts, the accounts should not continue to appear on my credit file. \n\nI am submitting this complaint regarding XXXX Citi Card accounts currently appearing on my consumer credit reports that I do not recognize and believe may be inaccurate, unverifiable, or potentially fraudulent. \n\nIn an effort to verify the legitimacy of these accounts, I contacted Citibank directly. During my communication with their representatives, searches were conducted using my full name, Social Security number, telephone number, and other identifying information. Citibank informed me that they were unable to locate any accounts associated with me in their internal system. \n\nThis is extremely concerning because these accounts continue to be reported on my credit file despite the creditor being unable to identify or verify them internally. \n\nUnder the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate and verifiable. If Citibank can not identify these accounts using my personal identifying information, there is serious concern regarding the validity and accuracy of the reporting. \n\nI am formally requesting the following : An immediate investigation into these Citi Card accounts Verification of the original application, signature, account records, and all supporting documentation associated with the accounts Disclosure of the method of verification used to continue reporting these accounts Immediate deletion of the accounts from all consumer reporting agencies if they can not be fully verified pursuant to the FCRA I believe the continued reporting of these unverifiable accounts may constitute violations of FCRA 1681e ( b ) and FCRA 1681i, which require maximum possible accuracy and reasonable reinvestigation of disputed information. \n\nPlease provide me with written confirmation of the results of your investigation and any actions taken to correct my consumer reports.","date_sent_to_company":"2026-05-26T16:34:16.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"22575791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-05-26T16:19:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This situation is extremely concerning because these accounts continue to be <em>reported</em> on my <em>consumer</em> <em>credit</em> <em>reports</em> despite the creditor being <em>unable</em> to verify or identify them internally. \n\nUnder the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ), only accurate and verifiable information may be <em>reported</em>. If the furnisher can not identify or validate the accounts, the accounts should not continue to appear on my <em>credit</em> file."],"product":["<em>Credit</em> card"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.057028,"22575791"]},{"_index":"complaint-public-v1","_id":"10358644","_score":13.0270815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have attempted on two separate occasions to obtain what LexisNexis calls a \" Consumer Disclosure Report '' and the process is inadequate to provide timely information to any consumer who is forced to use their services. \nThe process to obtain a report is as follows : Fill out their online form and then be directed to a page that displays the following : Acknowledgment Message Your order has been received. You will receive a message via US Mail within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. \n\nI have submitted the same exact information to XXXX, XXXX XXXX, XXXX and XXXX to verify my identity online and make any changes to my credit information and verify my credit report. If LexisNexis is not capable of utilizing the available technology the other credit reporting agencies have been using for the last 5 years, then the ability to opt out of their services should be an available option for consumers. on XX/XX/year>, I filled out the information providing my Social Security Number and my Drivers license number along with my address and today, I received mail ( at my address ) indicating LexisNexis is unable to process my request. My address is obviously correct as they mailed me the letter. I am using the same Social Security number and driver 's license number that I use with the other credit reporting agencies where I have been able to receive my credit report. \nLexisNexis is using terms which are not clear and do not align with the terminology used by the other credit reporting agencies. This is causing confusion to consumers.","date_sent_to_company":"2024-10-05T21:50:25.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"503XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10358644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-10-05T21:20:49.000Z","state":"IA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am using the same Social Security number and driver 's license number that I use with the <em>other</em> <em>credit</em> <em>reporting</em> agencies where I have been able to receive my <em>credit</em> <em>report</em>. \nLexisNexis is using terms which are not clear and do not align with the terminology used by the <em>other</em> <em>credit</em> <em>reporting</em> agencies. This is causing confusion to <em>consumers</em>."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Unable</em> to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[13.0270815,"10358644"]},{"_index":"complaint-public-v1","_id":"2340027","_score":13.014036,"_source":{"product":"Credit reporting","complaint_what_happened":"I attempted to open a XXXX XXXX account on XXXX XXXX 2017 and I was unable to due to misinformation on my credit report. They advised me to resolve the issue by disputing this information that is not mine and I am doing so. I also would like to say I had been a victim of consumer fraud and want to be issued protection from others being able to access my information for their own personal gain. I am in a position in which I can not even open an account because of this fradulent act against me and I need to recieve proper treatment.","date_sent_to_company":"2017-02-15T18:28:21.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"2340027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2017-02-11T17:44:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I attempted to open a XXXX XXXX account on XXXX XXXX 2017 and I was <em>unable</em> to due to misinformation on my <em>credit</em> <em>report</em>. They advised me to resolve the issue by disputing this information that is not mine and I am doing so. I also would like to say I had been a victim of <em>consumer</em> fraud and want to be issued protection from <em>others</em> being able to access my information for their own <em>personal</em> gain."],"product":["<em>Credit</em> <em>reporting</em>"],"issue":["Incorrect information on <em>credit</em> <em>report</em>"]},"sort":[13.014036,"2340027"]},{"_index":"complaint-public-v1","_id":"3582925","_score":13.012415,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.","date_sent_to_company":"2020-03-27T20:06:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95376","tags":null,"has_narrative":true,"complaint_id":"3582925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-27T20:06:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this <em>report</em> because I was trying to get a <em>personal</em> loan today XX/XX/2020 and I was <em>unable</em> to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my <em>credit</em> since I did not open those accounts and I did not give anyone permission to open these or any <em>other</em> account on my behalf."],"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>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":[13.012415,"3582925"]},{"_index":"complaint-public-v1","_id":"3550221","_score":13.012141,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I wrote to LexisNexis Consumer Center and requested a security freeze be place on my Consumer Disclosure report. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E report and other reports furnished LexisNexis regarding all personal information of mine to credit bureaus and creditors, but also future potential employers until I lift this restriction. Finally, I requested LexisNexis to send me a FREE copy of the information you are reporting about me as of the date you receive this request. In my request, I provided my Driver 's License Number and Social Security Number as well as my Name, full date of Birth and Address, and also enclosed a copy of my State issued Driver 's license and Social Security Card. This request was mailed via certified mail. \n\nOn XX/XX/2019. LexisNexis wrote back indicating that they were unable to process my request as they were unable to \" authenticate me '' with the information I provided.","date_sent_to_company":"2020-03-02T06:08:43.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"3550221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2020-03-02T00:55:20.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/2019, I wrote to LexisNexis <em>Consumer</em> Center and requested a security freeze be place on my <em>Consumer</em> Disclosure <em>report</em>. I also requested to opt out of LexisNexis disclosing future information until further notice including the C.L.U.E <em>report</em> and <em>other</em> <em>reports</em> furnished LexisNexis regarding all <em>personal</em> information of mine to <em>credit</em> bureaus and creditors, but also future potential employers until I lift this restriction."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.012141,"3550221"]},{"_index":"complaint-public-v1","_id":"7038741","_score":13.003619,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I never opened up any accounts other than XXXX XXXX XXXX. I have been incarcerated for many years and was unable to open ANY account while I was in prison. XXXX XXXX is the only bank I have given permission to my personal information. \nI have NEVER opened or requested an account from XXXX or any other bank to give me a line of credit or insurance. \n\nItems on my current up-to-date credit report are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX \n\nI want all these accounts validated and removed under 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER","date_sent_to_company":"2023-05-29T03:22:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06902","tags":null,"has_narrative":true,"complaint_id":"7038741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-29T03:22:22.000Z","state":"CT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I never opened up any accounts <em>other</em> than XXXX XXXX XXXX. I have been incarcerated for many years and was <em>unable</em> to open ANY account while I was in prison. XXXX XXXX is the only bank I have given permission to my <em>personal</em> information. \nI have NEVER opened or requested an account from XXXX or any <em>other</em> bank to give me a line of <em>credit</em> or insurance."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.003619,"7038741"]},{"_index":"complaint-public-v1","_id":"7038716","_score":13.003619,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I never opened up any accounts other than XXXX XXXX XXXX. I have been incarcerated for many years and was unable to open ANY account while I was in prison. XXXX XXXX is the only bank I have given permission to my personal information. \nI have NEVER opened or requested an account from XXXX or any other bank to give me a line of credit or insurance. \n\nItems on my current up-to-date credit report are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX \n\nI want all these accounts validated and removed under 623. 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