{"took":178,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1443,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4290928","_score":17.643766,"_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 <em>your</em> identity. The identity security system confirms <em>your</em> identity through a series of questions based on accounts and <em>personal</em> information contained in <em>your</em> 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 <em>your</em> <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 <em>your</em> free annual <em>credit</em> <em>report</em>"]},"sort":[17.643766,"4290928"]},{"_index":"complaint-public-v1","_id":"4404372","_score":16.142365,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a authorized user on two capital one credit card for over two years and XXXX has failed to report my account history. Regardless of the numerous confirmations from Capital One that my information was reported to XXXX as it was reported to XXXX and XXXX. XXXX is only showing I have two credit cards where as I have four. I have received the following message, repeat ... \nThank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to XXXX by visiting XXXX XXXX XXXX  or dispute online by visiting XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXXn at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.","date_sent_to_company":"2021-05-25T18:05:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29209","tags":"Servicemember","has_narrative":true,"complaint_id":"4404372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-05-25T18:05:30.000Z","state":"SC","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Unfortunately, we are <em>unable</em> to honor <em>your</em> request to place <em>credit</em> information into <em>your</em> <em>personal</em> <em>credit</em> <em>report</em>. We do not add data to our database from private parties since we would be <em>unable</em> to verify or maintain the data. We receive <em>credit</em> information from <em>credit</em> grantors who subscribe to our services and public record information from vendors who collect it from the courts or <em>other</em> government offices."],"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>"]},"sort":[16.142365,"4404372"]},{"_index":"complaint-public-v1","_id":"9253362","_score":16.13862,"_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 <em>your</em> <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 <em>your</em> <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 <em>your</em> <em>report</em> or <em>credit</em> score"]},"sort":[16.13862,"9253362"]},{"_index":"complaint-public-v1","_id":"4153575","_score":15.905703,"_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":["They are collecting people 's identities and <em>personal</em> information with the promise of giving you <em>your</em> annual <em>credit</em> <em>report</em> but then are not issuing the <em>report</em> and purposely not allowing you to contact them directly. Why isn't this being looked into? Please help <em>consumers</em>."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Unable</em> to get <em>your</em> <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 <em>your</em> free annual <em>credit</em> <em>report</em>"]},"sort":[15.905703,"4153575"]},{"_index":"complaint-public-v1","_id":"10358644","_score":15.877468,"_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":["We may not be able to comply with <em>your</em> request if we are <em>unable</em> to confirm <em>your</em> identity or to connect the information you submit in <em>your</em> request with <em>personal</em> 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 <em>credit</em> information and verify my <em>credit</em> <em>report</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 <em>your</em> <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 <em>your</em> <em>report</em> or <em>credit</em> score"]},"sort":[15.877468,"10358644"]},{"_index":"complaint-public-v1","_id":"4404367","_score":15.867629,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a authorized user on two XXXX XXXX credit card for over two years and Experian has failed to report my account history. Regardless of the numerous confirmations from XXXX XXXX that my information was reported to Experian as it was reported to XXXX and XXXX Experian is only showing I have two credit cards where as I have four. I have received the following message, repeat ... \nThank you for submitting your complaint on XX/XX/2021, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian, including the attachments. In your complaint, you indicated that there is an account missing from the credit report. You are requesting for the account to be added to the credit report and to be reporting accurately. Unfortunately, we are unable to honor your request to place credit information into your personal credit report. We do not add data to our database from private parties since we would be unable to verify or maintain the data. We receive credit information from credit grantors who subscribe to our services and public record information from vendors who collect it from the courts or other government offices. Some creditors may choose to report their data to the other consumer credit reporting agencies, and they may not report it to us. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2021-05-25T18:05:12.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29209","tags":"Servicemember","has_narrative":true,"complaint_id":"4404367","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-05-25T17:48:11.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Unfortunately, we are <em>unable</em> to honor <em>your</em> request to place <em>credit</em> information into <em>your</em> <em>personal</em> <em>credit</em> <em>report</em>. We do not add data to our database from private parties since we would be <em>unable</em> to verify or maintain the data. We receive <em>credit</em> information from <em>credit</em> grantors who subscribe to our services and public record information from vendors who collect it from the courts or <em>other</em> government offices."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.867629,"4404367"]},{"_index":"complaint-public-v1","_id":"2383557","_score":15.532801,"_source":{"product":"Consumer Loan","complaint_what_happened":"cashnetusa XX/XX/2016 Dear XXXX, Thank you for your recent application for a Cash Advance. Your request was carefully considered, and we regret that we are unable to approve your request. \nReasons for Denial of Credit Your application was processed by a proprietary scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. \nThe reason ( s ) you did not score well compared with other applicants were : Unable to verify personal information and/or identity. \n\n\nYour Right to Get Your Consumer Report In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. It can be obtained by contacting : XXXX. \nXXXX, CA XXXX Toll-free : XXXX Fax : XXXX XXXX XXXX XXXX, GA XXXX Call Toll Free : XXXX Online XXXX You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. \nInformation about Your Credit Score We also obtained a quantitative identity evaluation from XXXX. and used it in making our credit decision. This evaluation is represented by a score that reflects the information in your consumer report. This score can change, depending on how the information in your consumer report changes. \nYour score : XXXX Date : XX/XX/2016 Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Inquiries did adversely impact score. \nUnable to verify personal information or identity. \nNumber of recent inquiries on credit report. \n\n\nIf you have any questions regarding this letter, you should contact us at : CashNetUSA Customer Support XXXX, IL XXXX Phone : XXXX Fax : XXXX Email : XXXX www.CashNetUSA.com Notice : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : Federal Trade Commission Equal Credit Opportunity XXXX XXXX ( XXXX ) TDD : [ [ tel : XXXX ] ] XXXX","date_sent_to_company":"2017-03-13T19:52:08.000Z","issue":"Taking out the loan or lease","sub_product":"Installment loan","zip_code":"64133","tags":null,"has_narrative":true,"complaint_id":"2383557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2017-03-13T19:52:08.000Z","state":"MO","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["The reason ( s ) you did not score well compared with <em>other</em> applicants were : <em>Unable</em> to verify <em>personal</em> information and/or identity. \n\n\n<em>Your</em> Right to Get <em>Your</em> <em>Consumer</em> <em>Report</em> In evaluating <em>your</em> application, the <em>consumer</em> <em>reporting</em> agency listed below provided us with information that in whole or in part influenced our decision. The <em>consumer</em> <em>reporting</em> agency played no part in our decision and is <em>unable</em> to supply specific reasons why we have denied <em>credit</em> to you."],"product":["<em>Consumer</em> Loan"]},"sort":[15.532801,"2383557"]},{"_index":"complaint-public-v1","_id":"1855084","_score":15.469567,"_source":{"product":"Credit reporting","complaint_what_happened":"I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said \" We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter, including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least, Experian should be required to inform consumers of why they were \" unable to honor your request '' when the consumer receives a denial for their free annual credit report.","date_sent_to_company":"2016-03-29T12:56:17.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"46112","tags":null,"has_narrative":true,"complaint_id":"1855084","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-03-29T12:56:16.000Z","state":"IN","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":["XXXX and XXXX asked specific <em>credit</em> questions, but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience, I 'm not even sure that I would receive it after I sent my <em>personal</em> information through the mail. At the very least, Experian should be required to inform <em>consumers</em> of why they were \" <em>unable</em> to honor <em>your</em> request '' when the <em>consumer</em> receives a denial for their free annual <em>credit</em> <em>report</em>."],"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":[15.469567,"1855084"]},{"_index":"complaint-public-v1","_id":"3916303","_score":15.414777,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is my second time opening a dispute for the same issue that was never resolved. First compliant is XXXX and feedback was provided with no resolve. Lets try this again, after numerous calls over the past five months or so creditors are unable to access my Equifax credit report and your customer service reps are very incompetent and love to transfer and disconnect. My issue is exactly the same as the folks on this thread : https : XXXX. I am currently unable to sign up for XXXX because I receive the message that \" While processing FICO Premier, we discovered a mismatch in the personal information you submitted and are unable to deliver your data from Equifax ... XXXX '' I have attached a screenshot to this complaint. Also I am unable to retrieve a credit report from XXXX although at this time this is the least of my concern since you guys keep sending me credit reports when I file complaints or call in to complain. See attached screenshot. \n\nSo here is what I need from you EQUIFAX. Fix whatever errors there are on the backend ASAP! It is my right to have access to my credit report and credit scores whenever I desire according to the Fair Credit Reporting Act and you are hindering this. Have the Office of Consumer Affairs check my profile please as they have corrected many others issues from the link I provided above. Do not send me another credit report as resolution!!!!!!!! I have also contacted my Attorney General and will continue to fight until you fix my profile in your system.","date_sent_to_company":"2020-10-26T19:55:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28215","tags":"Servicemember","has_narrative":true,"complaint_id":"3916303","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-10-24T02:52:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is my right to have access to my <em>credit</em> <em>report</em> and <em>credit</em> scores whenever I desire according to the Fair <em>Credit</em> <em>Reporting</em> Act and you are hindering this. Have the Office of <em>Consumer</em> Affairs check my profile please as they have corrected many <em>others</em> issues from the link I provided above. Do not send me another <em>credit</em> <em>report</em> as resolution!!!!!!!! I have also contacted my Attorney General and will continue to fight until you fix my profile in <em>your</em> system."],"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 <em>your</em> <em>report</em>"]},"sort":[15.414777,"3916303"]},{"_index":"complaint-public-v1","_id":"7869246","_score":15.2096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-17T18:06:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98034","tags":null,"has_narrative":true,"complaint_id":"7869246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-17T18:04:00.000Z","state":"WA","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":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <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":[15.2096,"7869246"]},{"_index":"complaint-public-v1","_id":"7868297","_score":15.2096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against XXXX located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-17T18:02:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98034","tags":null,"has_narrative":true,"complaint_id":"7868297","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-17T17:51:46.000Z","state":"WA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.2096,"7868297"]},{"_index":"complaint-public-v1","_id":"7862252","_score":15.2096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T10:27:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90712","tags":null,"has_narrative":true,"complaint_id":"7862252","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-16T10:25:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <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":[15.2096,"7862252"]},{"_index":"complaint-public-v1","_id":"7861163","_score":15.2096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-17T00:52:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28083","tags":null,"has_narrative":true,"complaint_id":"7861163","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-17T00:49:44.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.2096,"7861163"]},{"_index":"complaint-public-v1","_id":"7865540","_score":15.184806,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Transunion located in XXXX XXXX, FL. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Transunion has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Transunion has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T17:05:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93458","tags":null,"has_narrative":true,"complaint_id":"7865540","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-16T17:01:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <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":[15.184806,"7865540"]},{"_index":"complaint-public-v1","_id":"7859410","_score":15.184705,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T22:04:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"7859410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-16T22:02:01.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <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":[15.184705,"7859410"]},{"_index":"complaint-public-v1","_id":"7852062","_score":15.184705,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-14T22:06:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"7852062","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-14T22:03:16.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <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":[15.184705,"7852062"]},{"_index":"complaint-public-v1","_id":"7864273","_score":15.183986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T14:32:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95842","tags":null,"has_narrative":true,"complaint_id":"7864273","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-16T14:11:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.183986,"7864273"]},{"_index":"complaint-public-v1","_id":"7859449","_score":15.183986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T17:00:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93458","tags":null,"has_narrative":true,"complaint_id":"7859449","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-16T16:56:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.183986,"7859449"]},{"_index":"complaint-public-v1","_id":"7859195","_score":15.183986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Transunion located in XXXX XXXX XXXX. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Transunion has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Transunion has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T22:01:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"7859195","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-16T21:57:43.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <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":[15.183986,"7859195"]},{"_index":"complaint-public-v1","_id":"7852066","_score":15.183986,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-14T21:51:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"606XX","tags":null,"has_narrative":true,"complaint_id":"7852066","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-14T21:46:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[15.183986,"7852066"]},{"_index":"complaint-public-v1","_id":"7864992","_score":15.177056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Experian located in XXXX XXXX, CA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Experian has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T15:40:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95842","tags":null,"has_narrative":true,"complaint_id":"7864992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-16T15:38:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. To start, they have <em>reported</em> an inaccurate and unverifiable account on my <em>credit</em> <em>report</em>, and despite my requests for proof of claim as mandated by the FCRA, they have been <em>unable</em> to provide the necessary documentation."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on <em>your</em> <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":[15.177056,"7864992"]},{"_index":"complaint-public-v1","_id":"7861457","_score":15.177056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T23:26:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"7861457","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-16T23:20:11.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. 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I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. 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The unprofessional and negligent conduct of Experian has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.","date_sent_to_company":"2023-11-16T23:46:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"212XX","tags":null,"has_narrative":true,"complaint_id":"7859940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-16T23:35:18.000Z","state":"MD","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":["This company has consistently violated my <em>consumer</em> rights under the Fair <em>Credit</em> <em>Reporting</em> Act, resulting in substantial financial and emotional distress. 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