{"took":237,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":372,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3264025","_score":20.175358,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report This is to add some information about experian, and XXXX  credit reporting agencies After speaking with a rep at Experian they said the account was opened by XXXX XXXX","date_sent_to_company":"2019-06-04T19:59:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"14150","tags":null,"has_narrative":true,"complaint_id":"3264025","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-06-04T19:40:57.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on your <em>report</em> This is to add some information about experian, and XXXX  <em>credit</em> <em>reporting</em> agencies After speaking with a rep at Experian they said the account was opened by XXXX XXXX"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[20.175358,"3264025"]},{"_index":"complaint-public-v1","_id":"2493882","_score":18.457443,"_source":{"product":"Debt collection","complaint_what_happened":"Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company.","date_sent_to_company":"2017-06-06T14:38:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"380XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2493882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Revenue Assurance Professionals LLC","date_received":"2017-05-25T17:06:15.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : <em>Incorrect</em> information on your <em>report</em> This company is replied submitting false information to your organization I will attach additional proof from both  XXXX   XXXX  and  XXXX  submitted by them on the  XXXX  fo  XXXX   2017  That this is the correct company."]},"sort":[18.457443,"2493882"]},{"_index":"complaint-public-v1","_id":"5759110","_score":17.87196,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"1. I sent a letter dated XX/XX/XXXX and addressed to TransUnion to the following address, TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed TransUnion of the incorrect personal information. \n\nI requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from TransUnion stating the following : \" We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. \n\nThere is no credit repair company or third party. As I sent the letters, it appears TransUnion responded to my request to buy themselves some time and declined to correct or remove the information. \n\nAs I reviewed my credit report today, TransUnion recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. \n\n2. I sent a letter dated XX/XX/XXXX and addressed it to XXXX to the following address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed XXXX of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. \n\nIt has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.","date_sent_to_company":"2022-07-11T21:37:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78249","tags":null,"has_narrative":true,"complaint_id":"5759110","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-11T20:31:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I sent a letter dated XX/XX/XXXX and addressed to TransUnion to the following address, TransUnion LLC <em>Consumer</em> Dispute Center, XXXX XXXX XXXX, XXXX, PA XXXX in regards to <em>incorrect</em> <em>personal</em> information on my <em>credit</em> <em>report</em>. In the letter, I informed TransUnion of the <em>incorrect</em> <em>personal</em> information. \n\nI requested the information be removed to display only correct <em>personal</em> information."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.87196,"5759110"]},{"_index":"complaint-public-v1","_id":"3160024","_score":17.640036,"_source":{"product":"Debt collection","complaint_what_happened":"I paid the company and they keep calling me in regards to this issue and I talked to them respectfully twice but then was told that the amount was still due which it is not. This is the information I reported before : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report These individuals are associated with XXXX and their finance company, XXXX XXXX XXXX, I want these phone calls to stop. They also are calling and when I answer the phone they hang up this is supposed to be a professionally run company and yet this is happening and the employer should be made aware of some of their employees actions","date_sent_to_company":"2019-02-22T18:49:18.000Z","issue":"Communication tactics","sub_product":"Other debt","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"3160024","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-02-22T18:37:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Frequent or repeated calls"},"highlight":{"complaint_what_happened":["This is the information I <em>reported</em> before : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on your <em>report</em> These individuals are associated with XXXX and their finance company, XXXX XXXX XXXX, I want these phone calls to stop."],"sub_product":["<em>Other</em> debt"]},"sort":[17.640036,"3160024"]},{"_index":"complaint-public-v1","_id":"2491655","_score":17.285984,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser","date_sent_to_company":"2017-05-23T16:25:29.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2491655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-23T16:16:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on your <em>report</em> We received your complaint. Thank you.     We will review your complaint."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[17.285984,"2491655"]},{"_index":"complaint-public-v1","_id":"6097556","_score":16.29164,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"AMENDMENT TO FILE # XXXX STATUS : Submitted to the CFPB on XX/XX/XXXX PRODUCT : Credit reporting, credit repair services, or other personal consumer reports ISSUE : Incorrect information on your report I am writing this complaint to further show how TransUnion and XXXX XXXX have been reporting incorrect and inaccurate information onto my TransUnion credit profile. On XXXX XXXX TransUnion reported that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( see the underlined on page 1 of TransUnion report File # XXXX but continued to allow false reports and monthly charges. However, after XXXX XXXX realized that they were wrong and perhaps wanted to avoid legal action against them, they sent an official letter to me announcing that they were closing the account on or about XX/XX/XXXX. ( see letter attached ) No consumer should have to go through this. I am appealing to you, Consumer Financial Protection Bureau, to address this kind of ill reporting and inaccuracies because I am told that is why your agency exists. The only solution to this issue is delete this now!! \n\nThank you for your time and I pray that you will do more than serve as a messenger.","date_sent_to_company":"2022-10-19T03:35:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"275XX","tags":"Older American","has_narrative":true,"complaint_id":"6097556","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-19T03:11:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["AMENDMENT TO FILE # XXXX STATUS : Submitted to the CFPB on XX/XX/XXXX PRODUCT : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE : <em>Incorrect</em> information on your <em>report</em> I am writing this complaint to further show how TransUnion and XXXX XXXX have been <em>reporting</em> <em>incorrect</em> and inaccurate information onto my TransUnion <em>credit</em> profile."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> 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"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[16.29164,"6097556"]},{"_index":"complaint-public-v1","_id":"4103848","_score":16.233139,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Capital One lied and did not remove the negative impact to my credit report. \nThey are also trying to put my business credit card past due again, despite us being shut down due to Covid and confirming that they would via email.\n\nSo in 7 days I will get ANOTHER False negative report on my credit. I'm very upset that I'm being treated this way and they are sending me false letters and not followingthrough with what they say and negativly impacting me. \n\nThis caused me to be unable to refinance my properties as well as get a home loan due the negative flags on my credit in 2020 after 8 months of calling this is still an issue. \n\nThey have consistently refused. \n\nThis is the original Complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report","date_sent_to_company":"2021-01-29T21:49:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92103","tags":null,"has_narrative":true,"complaint_id":"4103848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-01-29T21:32:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This caused me to be unable to refinance my properties as well as get a home loan due the negative flags on my <em>credit</em> in 2020 after 8 months of calling this is still an issue. \n\nThey have consistently refused. \n\nThis is the original Complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on your <em>report</em>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.233139,"4103848"]},{"_index":"complaint-public-v1","_id":"15989131","_score":15.747446,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Section 1 : Company Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Division Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Section XXXX : Product Credit reporting, credit repair services, or other personal consumer reports Section XXXX : Issue Incorrect information on your report Section XXXX : What happened ( your statement ) Paste this text : XXXX XXXX XXXX XXXX XXXXXXXX division is inaccurately reporting a child support account to consumer reporting agencies. \n\nIssues with this reporting : The balance and arrears amount being reported are not accurate and have not been lawfully verified. \n\nThere are conflicting reports across bureaus, and no clear accounting has been provided despite requests. \n\nThe FCRA ( 15 U.S.C. 1681s-2 ) requires that any information furnished to credit reporting agencies be accurate, complete, and verifiable. Reporting unverifiable child support arrears without full documentation is misleading and damaging. \n\nChild support enforcement is not required by law to furnish this information to the credit bureaus. If it is reported, it must meet the same accuracy and verification standards as any other account. \n\nRequested Resolution : I am requesting that XXXX  XXXX XXXX either remove this reporting from all consumer reporting agencies or provide complete verification, including a lawful accounting and authority for the amount reported.","date_sent_to_company":"2025-09-18T00:35:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37206","tags":null,"has_narrative":true,"complaint_id":"15989131","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-18T00:34:55.000Z","state":"TN","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":["Section 1 : Company Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Division Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Section XXXX : Product <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Section XXXX : Issue <em>Incorrect</em> information on your <em>report</em> Section XXXX : What happened ( your statement ) Paste this text : XXXX XXXX XXXX XXXX XXXXXXXX division is inaccurately <em>reporting</em> a child support account to <em>consumer</em> <em>reporting</em> agencies."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.747446,"15989131"]},{"_index":"complaint-public-v1","_id":"15989254","_score":15.746409,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Section 1 : Company Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Division Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Section XXXX : Product Credit reporting, credit repair services, or other personal consumer reports Section XXXX : Issue Incorrect information on your report Section XXXX : What happened ( your statement ) Paste this text : XXXX XXXX XXXX XXXX XXXXXXXX division is inaccurately reporting a child support account to consumer reporting agencies. \n\nIssues with this reporting : The balance and arrears amount being reported are not accurate and have not been lawfully verified. \n\nThere are conflicting reports across bureaus, and no clear accounting has been provided despite requests. \n\nThe FCRA ( 15 U.S.C. 1681s-2 ) requires that any information furnished to credit reporting agencies be accurate, complete, and verifiable. Reporting unverifiable child support arrears without full documentation is misleading and damaging. \n\nChild support enforcement is not required by law to furnish this information to the credit bureaus. If it is reported, it must meet the same accuracy and verification standards as any other account. \n\nRequested Resolution : I am requesting that XXXX  XXXX XXXX either remove this reporting from all consumer reporting agencies or provide complete verification, including a lawful accounting and authority for the amount reported.","date_sent_to_company":"2025-09-18T00:35:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37206","tags":null,"has_narrative":true,"complaint_id":"15989254","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-18T00:27:55.000Z","state":"TN","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":["Section 1 : Company Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Division Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Section XXXX : Product <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Section XXXX : Issue <em>Incorrect</em> information on your <em>report</em> Section XXXX : What happened ( your statement ) Paste this text : XXXX XXXX XXXX XXXX XXXXXXXX division is inaccurately <em>reporting</em> a child support account to <em>consumer</em> <em>reporting</em> agencies."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[15.746409,"15989254"]},{"_index":"complaint-public-v1","_id":"5080751","_score":15.220551,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. XXXX XXXX XXXX Bank is not reporting the same account number to all 3 credit bureaus XXXX XXXX XXXX XXXX Bank is not reporting the same Account type to all 3 credit bureaus, XXXX XXXX XXXX Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to XXXX XXXX XXXX Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( XXXX ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.\n\n12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and","date_sent_to_company":"2022-01-07T06:01:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"5080751","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-01-07T01:01:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my <em>credit</em> <em>report</em> was pulled, it showed an arrear of inconsistencies. While auditing my <em>credit</em> <em>repair</em>, I came across a few errors. XXXX XXXX XXXX Bank is not <em>reporting</em> the same account number to all 3 <em>credit</em> bureaus XXXX XXXX XXXX XXXX Bank is not <em>reporting</em> the same Account type to all 3 <em>credit</em> bureaus, XXXX XXXX XXXX Banks is not <em>reporting</em> the No."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[15.220551,"5080751"]},{"_index":"complaint-public-v1","_id":"5080749","_score":15.220551,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. XXXX XXXX XXXX XXXX  is not reporting the same account number to all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX is not reporting the same Account type to all 3 credit bureaus, XXXX XXXX XXXX XXXX is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to XXXX XXXX XXXX XXXX to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.\n\n12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in\na consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and","date_sent_to_company":"2022-01-07T06:01:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"5080749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-07T01:01:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my <em>credit</em> <em>report</em> was pulled, it showed an arrear of inconsistencies. While auditing my <em>credit</em> <em>repair</em>, I came across a few errors. XXXX XXXX XXXX XXXX  is not <em>reporting</em> the same account number to all 3 <em>credit</em> bureaus XXXX XXXX XXXX XXXX XXXX is not <em>reporting</em> the same Account type to all 3 <em>credit</em> bureaus, XXXX XXXX XXXX XXXX is not <em>reporting</em> the No."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> 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"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[15.220551,"5080749"]},{"_index":"complaint-public-v1","_id":"5078502","_score":15.190303,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my credit report was pulled, it showed an arrear of inconsistencies. While auditing my credit repair, I came across a few errors. M & T Bank is not reporting the same account number to all 3 credit bureaus XXXX M & T Bank is not reporting the same Account type to all 3 credit bureaus, M & T Banks is not reporting the No. Of Months ( terms ) the same to all 3 credit bureaus, those are just a couple of inconsistencies. I reached out to M & T Bank to find out why they're not reporting to the credit reporting agency the same across the board, now Im challenging their Accuracy and Integrity. With these errors, my credit score has dropped and it has cost me a lower apr and lower approval account. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. \n12 CFR ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and","date_sent_to_company":"2022-01-07T06:01:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"5078502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"M&T BANK CORPORATION","date_received":"2022-01-07T00:35:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/2021, I tried applying for a pre-approval letter in order to attain a mortgage, When my <em>credit</em> <em>report</em> was pulled, it showed an arrear of inconsistencies. While auditing my <em>credit</em> <em>repair</em>, I came across a few errors. M & T Bank is not <em>reporting</em> the same account number to all 3 <em>credit</em> bureaus XXXX M & T Bank is not <em>reporting</em> the same Account type to all 3 <em>credit</em> bureaus, M & T Banks is not <em>reporting</em> the No."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> 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"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[15.190303,"5078502"]},{"_index":"complaint-public-v1","_id":"4575574","_score":15.131019,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is additional information to the below complaint against XXXX. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( transunion / XXXX  ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.","date_sent_to_company":"2021-07-26T20:22:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28443","tags":"Servicemember","has_narrative":true,"complaint_id":"4575574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-07-26T20:22:31.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on your <em>report</em> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the <em>credit</em> bureaus ( transunion / XXXX  ) get away with such absolute and concrete thinking."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Problem with <em>personal</em> statement of dispute"]},"sort":[15.131019,"4575574"]},{"_index":"complaint-public-v1","_id":"4575567","_score":15.131019,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is additional information to the below complaint against XXXX. \nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( XXXX  / equifax ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.","date_sent_to_company":"2021-07-26T20:22:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28443","tags":"Servicemember","has_narrative":true,"complaint_id":"4575567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-07-26T20:10:03.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on your <em>report</em> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the <em>credit</em> bureaus ( XXXX  / equifax ) get away with such absolute and concrete thinking."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> 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":["Problem with <em>personal</em> statement of dispute"]},"sort":[15.131019,"4575567"]},{"_index":"complaint-public-v1","_id":"2827843","_score":15.0453,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \n\nYOUR COMPLAINT XXXX. XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX credit report. They are showing inquires from XX/XX/XXXX and XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.","date_sent_to_company":"2018-02-27T19:14:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"02119","tags":null,"has_narrative":true,"complaint_id":"2827843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-27T19:14:04.000Z","state":"MA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE Improper use of your <em>report</em> We received your complaint. Thank you. \nWe will review your complaint."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> 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>Credit</em> inquiries on your <em>report</em> that you don't recognize"]},"sort":[15.0453,"2827843"]},{"_index":"complaint-public-v1","_id":"5773526","_score":14.974617,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address. It was never my address. \n\nIn response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to XXXX for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX XXXX. They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nXXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-14T13:32:38.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on my <em>report</em> My complaint asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.974617,"5773526"]},{"_index":"complaint-public-v1","_id":"3763308","_score":14.948208,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.","date_sent_to_company":"2020-07-25T06:51:38.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3763308","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Screening Reports Inc.","date_received":"2020-07-25T02:19:41.000Z","state":"IL","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["Both of our information is listed on each <em>other</em> 's <em>credit</em> <em>reports</em>, public records, background checks, employment history, 3 major <em>credit</em> <em>reporting</em> agencies, insurance <em>reports</em>, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the <em>report</em> clean. We are requesting that the company sends each of us SEPARATE copies of our <em>consumer</em> <em>reports</em> and files for us to each review."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> information on your <em>report</em>"],"company":["Screening <em>Reports</em> Inc."],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"sub_issue":["Information is <em>incorrect</em>"]},"sort":[14.948208,"3763308"]},{"_index":"complaint-public-v1","_id":"3763236","_score":14.947364,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.","date_sent_to_company":"2020-07-25T06:09:35.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3763236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2020-07-25T01:51:40.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["Both of our information is listed on each <em>other</em> 's <em>credit</em> <em>reports</em>, public records, background checks, employment history, 3 major <em>credit</em> <em>reporting</em> agencies, insurance <em>reports</em>, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the <em>report</em> clean. We are requesting that the company sends each of us SEPARATE copies of our <em>consumer</em> <em>reports</em> and files for us to each review."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> information on your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Information is <em>incorrect</em>"]},"sort":[14.947364,"3763236"]},{"_index":"complaint-public-v1","_id":"3763231","_score":14.931249,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further.","date_sent_to_company":"2020-07-25T06:04:41.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3763231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Contemporary Information Corp","date_received":"2020-07-25T01:49:09.000Z","state":"IL","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["Both of our information is listed on each <em>other</em> 's <em>credit</em> <em>reports</em>, public records, background checks, employment history, 3 major <em>credit</em> <em>reporting</em> agencies, insurance <em>reports</em>, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the <em>report</em> clean. We are requesting that the company sends each of us SEPARATE copies of our <em>consumer</em> <em>reports</em> and files for us to each review."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> information on your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"sub_issue":["Information is <em>incorrect</em>"]},"sort":[14.931249,"3763231"]},{"_index":"complaint-public-v1","_id":"19926809","_score":14.925757,"_source":{"product":"Debt collection","complaint_what_happened":"Failure to Remove Deleted Collection Company : XXXX  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-Issue : Account status is incorrect / Account should be deleted Description of Problem : I am filing this complaint against XXXX  for its failure to update my credit file following a furnisher 's agreement to delete derogatory information. \n\nThe Facts : Furnisher Deletion Agreement : On XX/XX/year>, the collection agency Vance & Huffman LLC responded to my CFPB complaint ( ID # XXXX ) stating they would delete their collection account from all credit bureaus. \n\nSpecific Account Detail : The account in question is VANCEHUFFMAN, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1000.00}. \n\nBureau Discrepancy : Both XXXX  and XXXX  have already complied with the deletion request and removed this tradeline. \n\nTransUnion Violation : As of my XXXX  credit report dated XX/XX/year>, this account is still appearing as \" Collection / Charge-Off '' with the full {$1000.00} balance ( Ref : Page XXXX of my XXXX  file ). \n\nBy continuing to report a collection that the furnisher has officially withdrawn and deleted elsewhere, XXXX  is in violation of the FCRA requirement to maintain \" maximum possible accuracy. '' Resolution Requested : I demand the immediate and permanent deletion of the Vance & Huffman LLC account ( XXXX XXXX XXXX XXXX XXXX ) from my XXXX  credit report to match the records of the furnisher and the other major credit bureaus.","date_sent_to_company":"2026-03-03T14:29:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"875XX","tags":"Older American","has_narrative":true,"complaint_id":"19926809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2026-03-03T14:29:29.000Z","state":"NM","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Failure to Remove Deleted Collection Company : XXXX  Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : <em>Incorrect</em> information on your <em>report</em> Sub-Issue : Account status is <em>incorrect</em> / Account should be deleted Description of Problem : I am filing this complaint against XXXX  for its failure to update my <em>credit</em> file following a furnisher 's agreement to delete derogatory information."],"sub_product":["<em>Other</em> debt"]},"sort":[14.925757,"19926809"]},{"_index":"complaint-public-v1","_id":"19926805","_score":14.9214,"_source":{"product":"Debt collection","complaint_what_happened":"Failure to Remove Deleted Collection Company : TransUnion Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-Issue : Account status is incorrect / Account should be deleted Description of Problem : I am filing this complaint against TransUnion for its failure to update my credit file following a furnisher 's agreement to delete derogatory information. \n\nThe Facts : Furnisher Deletion Agreement : On XX/XX/year>, the collection agency XXXX XXXX XXXX XXXX responded to my CFPB complaint ( ID # XXXX ) stating they would delete their collection account from all credit bureaus. \n\nSpecific Account Detail : The account in question is XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1000.00}. \n\nBureau Discrepancy : Both XXXX  and XXXX  have already complied with the deletion request and removed this tradeline. \n\nTransUnion Violation : As of my TransUnion credit report dated XX/XX/year>, this account is still appearing as \" Collection / Charge-Off '' with the full {$1000.00} balance ( Ref : Page XXXX of my TransUnion file ). \n\nBy continuing to report a collection that the furnisher has officially withdrawn and deleted elsewhere, TransUnion is in violation of the FCRA requirement to maintain \" maximum possible accuracy. '' Resolution Requested : I demand the immediate and permanent deletion of the XXXX XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) from my TransUnion credit report to match the records of the furnisher and the other major credit bureaus.","date_sent_to_company":"2026-03-03T14:29:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"875XX","tags":"Older American","has_narrative":true,"complaint_id":"19926805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-03-03T14:19:43.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Failure to Remove Deleted Collection Company : TransUnion Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : <em>Incorrect</em> information on your <em>report</em> Sub-Issue : Account status is <em>incorrect</em> / Account should be deleted Description of Problem : I am filing this complaint against TransUnion for its failure to update my <em>credit</em> file following a furnisher 's agreement to delete derogatory information."],"sub_product":["<em>Other</em> debt"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.9214,"19926805"]},{"_index":"complaint-public-v1","_id":"3768426","_score":14.901682,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, XXXX major credit reporting agencies, insurance reports, etc ... We are requesting that this company removes all information that it has listed for both us and wipe the report clean. We are requesting that the company sends each of us SEPARATE copies of our consumer reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again until all matters have been resolved. We are requesting that they refund us for the extra money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send me a physical paper copy of my credit report. I have called them consistently requesting a paper copy of my report. They have sent documents to my daughter and I requesting that we sign into a website and submit a pin number to access the files. The pin number doesn't work. WE WANT A PHYSICAL COPY OF THE REPORT! NOT ACCESS TO THE REPORT ONLINE! WE DO NOT HAVE A COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CONSUMER REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-07-29T04:34:17.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3768426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2020-07-29T00:18:00.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["NOT ACCESS TO THE <em>REPORT</em> ONLINE! WE DO NOT HAVE A COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL <em>REPORT</em>! They have also failed to remove any <em>incorrect</em> information for me including <em>personal</em> information, <em>credit</em> inquires and <em>credit</em> accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR <em>CONSUMER</em> <em>REPORT</em> TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY!"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Incorrect</em> information on your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"]},"sort":[14.901682,"3768426"]},{"_index":"complaint-public-v1","_id":"5078294","_score":14.599114,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from Capital One. While auditing my credit repair, I came across a few errors. Capital One Bank is not reporting the same date opened to all 3 credit bureau, Capital One Bank is not reporting the same High Credit to all 3 credit bureaus, Capital One Banks is not reporting the date last active the same to all 3 credit bureaus. Because of Capital One Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from Capital One Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable credit score and interest rate. I reached out to the credit bureaus ( XXXX, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. \n12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and","date_sent_to_company":"2022-01-07T06:46:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"5078294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-01-07T01:19:11.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my <em>credit</em> <em>report</em> was pulled, it showed an arrear of inconsistencies from Capital One. While auditing my <em>credit</em> <em>repair</em>, I came across a few errors. Capital One Bank is not <em>reporting</em> the same date opened to all 3 <em>credit</em> bureau, Capital One Bank is not <em>reporting</em> the same High <em>Credit</em> to all 3 <em>credit</em> bureaus, Capital One Banks is not <em>reporting</em> the date last active the same to all 3 <em>credit</em> bureaus."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> 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":[14.599114,"5078294"]},{"_index":"complaint-public-v1","_id":"5080828","_score":14.581416,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from XXXX XXXX. While auditing my credit repair, I came across a few errors. XXXX XXXX Bank is not reporting the same date opened to all 3 credit bureau, XXXX XXXX Bank is not reporting the same High Credit to all 3 credit bureaus, XXXX XXXX Banks is not reporting the date last active the same to all 3 credit bureaus. Because of XXXX XXXX Bank not reporting accurately to the credit reporting agency the same across the board, its affecting my scores and worthiness. I tried challenging heir Accuracy and Integrity but no one from XXXX XXXX Bank or the Credit Bureaus have answered my issues. The negative and defaming information is hindering me from getting a favorable XXXX XXXX and interest rate. I reached out to the credit bureaus ( Transunion, XXXX, XXXX ), they never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.\n\n12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and","date_sent_to_company":"2022-01-07T06:46:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32221","tags":null,"has_narrative":true,"complaint_id":"5080828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-01-07T01:46:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my <em>credit</em> <em>report</em> was pulled, it showed an arrear of inconsistencies from XXXX XXXX. While auditing my <em>credit</em> <em>repair</em>, I came across a few errors. XXXX XXXX Bank is not <em>reporting</em> the same date opened to all 3 <em>credit</em> bureau, XXXX XXXX Bank is not <em>reporting</em> the same High <em>Credit</em> to all 3 <em>credit</em> bureaus, XXXX XXXX Banks is not <em>reporting</em> the date last active the same to all 3 <em>credit</em> bureaus."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.581416,"5080828"]},{"_index":"complaint-public-v1","_id":"5773528","_score":14.512747,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to TransUnion Response to Credit Reporting Complaint TRANSUNION RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX  claimant as being my recent address. It was never my address. \n\nIn response to my complaint, TransUnion sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to beg for a rent voucher to take with CASH to a distant cash-transfer location ( XXXX XXXX XXXX XXXX ). They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because TransUnion failed to verify me, claiming a Social Security number conflict. To some companies, TransUnion reported that I had XXXX credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nTransUnion should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept TransUnions response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-14T13:15:51.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Incorrect</em> information on my <em>report</em> My complaint asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to identify the address of the XXXX XXXX  claimant as being my recent address."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Problem with a <em>credit</em> <em>reporting</em> company's investigation into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.512747,"5773528"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":372,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":372}]}},"product":{"doc_count":372,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":265,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":258},{"key":"Other personal consumer report","doc_count":6},{"key":"Credit repair services","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":83,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":82},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt 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