{"took":474,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":32,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8370594","_score":13.361445,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named XXXX XXXX better known as XXXX on my TransUnion credit report. I have been monitoring my credit like a hawk over the last XXXX months doing everything I can to salvage and repair my credit from identity theft, fraud, and various other issues. I know by law if I dispute something I can have it removed through TransUnion yet they chose not to and they said they could not do it which I know is a lie. I first called the credit card company XXXX XXXX and ask them to remove it and they told me they wouldn't then I asked for my application I asked to have the application that was done to be returned and retracted and they said no. Under 15 United States code 1581 B permissible purposes if I have not given express written permission to transunion to furnish private data on my credit report that is considered fraud and I must enforce it and I am right now. Under 15 United States code 1681E compliance procedures I know by law that they have to either adjust or remove the inaccury on my credit and they have refused to do it. I just got off the phone with Transunion I was given a confirmation number of XXXX of the phone call that I made asking them to remove it because I did not authorize it. They refused and that is also a violation to not even do investigation when I ask for it. 15 United States code 1681N stays at any inaccurate information on my credit report is a violation and it's liable and a penalty of up to {$1000.00} this is the third time they have allowed this company to put a hard inquiry on my report I've had it removed XXXX other times and here we go again. To remedy the situation I want this removed I want a copy of my adjusted credit report stating that this has been removed and I would like to be compensated for my personal injuries because of this act. I do not appreciate these credit reporting agencies being arrogant and not upholding the law That's also willful negligence right there which needs to be dealt with these places can not keep breaking the law and getting away with it they need to be upheld to a higher standard since they're holding such valuable information on consumers and accept nothing less than the remedies I just stated, removal and updated credit report and compensation I will not accept anything less than that.","date_sent_to_company":"2024-02-18T21:16:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"99206","tags":null,"has_narrative":true,"complaint_id":"8370594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-18T20:54:23.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named XXXX XXXX better known as XXXX on my TransUnion <em>credit</em> <em>report</em>. I have been <em>monitoring</em> my <em>credit</em> like a hawk over the last XXXX months doing everything I can to salvage and <em>repair</em> my <em>credit</em> from identity theft, fraud, and various <em>other</em> issues."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.361445,"8370594"]},{"_index":"complaint-public-v1","_id":"8370556","_score":13.34203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named CB Indigo better known as Concoria on my XXXX credit report. I have been monitoring my credit like a hawk over the last XXXX  months doing everything I can to salvage and repair my credit from identity theft, fraud, and various other issues. I know by law if I dispute something I can have it removed through XXXX yet they chose not to and they said they could not do it which I know is a lie. I first called the credit card company CB Indigo and ask them to remove it and they told me they wouldn't then I asked for my application I asked to have the application that was done to be returned and retracted and they said no. Under 15 United States code 1581 B permissible purposes if I have not given express written permission to XXXX to furnish private data on my credit report that is considered fraud and I must enforce it and I am right now. Under 15 United States code 1681E compliance procedures I know by law that they have to either adjust or remove the inaccury on my credit and they have refused to do it. I just got off the phone with XXXX I was given a confirmation number of XXXX of the phone call that I made asking them to remove it because I did not authorize it. They refused and that is also a violation to not even do investigation when I ask for it. 15 United States code 1681N stays at any inaccurate information on my credit report is a violation and it's liable and a penalty of up to {$1000.00} this is the XXXX  time they have allowed this company to put a hard inquiry on my report I've had it removed XXXX other times and here we go again. To remedy the situation I want this removed I want a copy of my adjusted credit report stating that this has been removed and I would like to be compensated for my personal injuries because of this act. I do not appreciate these credit reporting agencies being arrogant and not upholding the law That's also willful negligence right there which needs to be dealt with these places can not keep breaking the law and getting away with it they need to be upheld to a higher standard since they're holding such valuable information on consumers and accept nothing less than the remedies I just stated, removal and updated credit report and compensation I will not accept anything less than that.","date_sent_to_company":"2024-02-18T21:16:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"99206","tags":null,"has_narrative":true,"complaint_id":"8370556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2024-02-18T21:16:06.000Z","state":"WA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named CB Indigo better known as Concoria on my XXXX <em>credit</em> <em>report</em>. I have been <em>monitoring</em> my <em>credit</em> like a hawk over the last XXXX  months doing everything I can to salvage and <em>repair</em> my <em>credit</em> from identity theft, fraud, and various <em>other</em> issues."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[13.34203,"8370556"]},{"_index":"complaint-public-v1","_id":"7608822","_score":13.078295,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX, is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. \n\nTHE COMPANY RESPONSE AS THIS IS A IDENTITY THEFT AND THE ACCOUNT DOES NOT BELONG TO ME. \n\n\n\n\nXXXX XXXX XXXX is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, XXXX XXXX XXXX XXXX has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. XXXX XXXX does not purchase or own debt ; it collects on accounts referred by its clients. XXXX XXXX and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX and the attachments have been reviewed. We have also reviewed our collection notes and records. The consumer states she is a victim of identity theft, and the debt does not belong to her. The consumer also indicates the balance reported to her credit file is fraudulent. Subsequently, the consumer requests to remove the debt from her credit file. XXXX referred an account to XXXX XXXX for collection on XX/XX/XXXX, listing the principal amount due of {$5500.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. On XX/XX/XXXX, the consumer recognized ownership of the debt. On that occasion, the consumer requested payment options and unfortunately, the call got disconnected. We are enclosing for the consumers records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and repair cost invoices ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as hers and would like XXXX XXXX to investigate based on fraud, XXXX XXXX requests that the following information be provided as soon as possible : 1. Copy of the police report filed. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport 3. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status. If the consumer has additional questions, she may contact XXXX XXXX XXXX XXXX XXXX 's Consumer Resolution Department at XXXX or via telephon","date_sent_to_company":"2023-09-26T21:18:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"89119","tags":null,"has_narrative":true,"complaint_id":"7608822","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-26T21:00:39.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The initial collection letter was sent to the <em>consumer</em> on XX/XX/XXXX. On XX/XX/XXXX, the <em>consumer</em> recognized ownership of the debt. On that occasion, the <em>consumer</em> requested payment options and unfortunately, the call got disconnected. We are enclosing for the <em>consumers</em> records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and <em>repair</em> cost invoices ( <em>personal</em> information has been redacted )."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.078295,"7608822"]},{"_index":"complaint-public-v1","_id":"7608787","_score":13.077791,"_source":{"product":"Debt collection","complaint_what_happened":"Hunter Warfield inc, is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$5500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. \n\nTHE COMPANY RESPONSE AS THIS IS A IDENTITY THEFT AND THE ACCOUNT DOES NOT BELONG TO ME. \n\n\n\n\nWarfield , Inc. is a third-party collection agency headquartered in XXXX, Florida. Since XXXX, Hunter Warfield , Inc. has provided effective collection services for its clients in the multifamily, commercial, and funeral industries. Hunter Warfield does not purchase or own debt ; it collects on accounts referred by its clients. Hunter Warfield and its people are committed to ensuring that the consumer is dealt with in a professional, caring manner. Complaint # XXXX and the attachments have been reviewed. We have also reviewed our collection notes and records. The consumer states she is a victim of identity theft, and the debt does not belong to her. The consumer also indicates the balance reported to her credit file is fraudulent. Subsequently, the consumer requests to remove the debt from her credit file. XXXX referred an account to Hunter Warfield for collection on XX/XX/XXXX, listing the principal amount due of {$5500.00}. The initial collection letter was sent to the consumer on XX/XX/XXXX. On XX/XX/XXXX, the consumer recognized ownership of the debt. On that occasion, the consumer requested payment options and unfortunately, the call got disconnected. We are enclosing for the consumers records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and repair cost invoices ( personal information has been redacted ). A review of this information may help the consumer examine the nature of the charges. If the consumer does not recognize the debt as hers and would like Hunter Warfield to investigate based on fraud, Hunter Warfield requests that the following information be provided as soon as possible : 1. Copy of the police report filed. 2. Copy of identification. Acceptable forms of identification include : Social Security Card Valid drivers license/identification card/passport 3. Any additional documentation supporting your claim of fraud. The requested information can be mailed to : Hunter Warfield, Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax- XXXX XXXX The account has been placed under a hold status. If the consumer has additional questions, she may contact XXXX XXXX XXXX Hunter Warfield 's Consumer Resolution Department at XXXX or via telephon","date_sent_to_company":"2023-09-26T21:19:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"89119","tags":null,"has_narrative":true,"complaint_id":"7608787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2023-09-26T21:19:08.000Z","state":"NV","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The initial collection letter was sent to the <em>consumer</em> on XX/XX/XXXX. On XX/XX/XXXX, the <em>consumer</em> recognized ownership of the debt. On that occasion, the <em>consumer</em> requested payment options and unfortunately, the call got disconnected. We are enclosing for the <em>consumers</em> records, copies of the documents including the account ledger, lease agreement, move-out inspection pictures, and <em>repair</em> cost invoices ( <em>personal</em> information has been redacted )."]},"sort":[13.077791,"7608787"]},{"_index":"complaint-public-v1","_id":"16749661","_score":13.055777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"COMPANY INFORMATION : Company Name : Equifax Information Services LLC Product : Credit reporting, credit repair services, or other personal consumer reports Sub-product : Credit reporting Issue : Unable to get your credit report or credit score Sub-issue : Problem getting your free annual report WHAT HAPPENED : I am filing this complaint against Equifax for repeatedly denying me access to my credit report and making it impossible for me to monitor my credit information, which is my legal right under the Fair Credit Reporting Act. \n\nDETAILED DESCRIPTION : I have been unable to access my Equifax credit report through their online system despite numerous attempts. Every time I try to create an account or log in to view my credit report, I am blocked from accessing my information. \n\nSPECIFIC ISSUES : - I can not successfully create or maintain an account with Equifax - When I attempt to access my credit report, the system gives me error messages or claims it can not verify my identity- I have attempted to resolve this multiple times through their system - Each time I contact Equifax for help, I receive \" the run around '' with no actual resolution- This has been an ongoing problem for [ specify timeframe - weeks/months/years ] ATTEMPTS TO RESOLVE : I have made multiple attempts to resolve this issue, including : - Attempting to register/log in numerous times - Trying different browsers and devices - Following Equifax 's verification procedures- Called Equifax customer service- was told the issue would be \" escalated to their technical team '' - Called back to follow up - was told there was NO RECORD of any escalation despite previous representative 's promise - Have been asked to provide my driver 's license multiple times with no actual resolution - Each call results in the same runaround with no progress Despite all these efforts and providing my driver 's license repeatedly, Equifax continues to deny me access XXXX my own credit information. Their representatives make false promises about escalations that never happen, creating a cycle of wasted time and frustration. \n\nLEGAL VIOLATIONS : This situation violates my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX  XXXX U.S.C. XXXX - Right to Access * * : Consumers have the right to obtain all information in their credit file. Equifax is systematically denying me this right. \n\nXXXX. XXXX XXXX XXXXXXXX U.S.C. XXXX - Free Annual Reports * * : I am entitled to a free credit report every 12 months. Equifax 's system failures prevent me from exercising this right. \n\nXXXX. XXXX XXXX XXXX U.S.C. XXXX - Dispute Rights * * : Without access to my credit report, I can not identify inaccurate information or file disputes, which violates my right to dispute inaccurate information. \n\nIMPACT ON ME : Equifax 's failure to provide access to my credit report has caused significant harm : - I can not monitor my credit for errors, fraud, or identity theft - I can not dispute inaccurate information that may be damaging my credit- I can not track my credit score or understand factors affecting my creditworthiness- I am at increased risk for undetected identity theft or fraud - I have wasted significant time and experienced extreme frustration trying to access information that is legally mine- I may be missing opportunities ( loans, credit cards, housing, employment ) due to inability to monitor and correct my credit This is particularly egregious given Equifax 's 2017 data breach that compromised XXXX XXXX Americans ' personal information. As a company already responsible for XXXX of the largest data breaches in history, their continued failure to provide basic access to credit reports is unacceptable. \n\nPATTERN OF PROBLEMS : This is not an isolated incident. A simple internet search reveals thousands of consumers reporting identical problems with Equifax 's online system. This suggests a systematic failure rather than individual technical issues. \n\n* * FALSE ESCALATIONS AND DECEPTIVE PRACTICES : * * What makes this situation worse is that Equifax representatives engage in deceptive practices : - Representatives promise to \" escalate '' issues to technical teams - When I follow up, there is no record of any escalation- I am repeatedly asked to provide my driver 's license as \" verification '' with no actual resolution- This creates a false impression that progress is being made while nothing is actually happening - Representatives appear to use these tactics to get consumers off the phone without actually resolving issues This pattern suggests Equifax either : XXXX. Has no functional escalation process despite telling consumers they do XXXX. Deliberately uses false promises to avoid resolving consumer access issues XXXX. Has such poor internal systems they can not track their own escalations All of these scenarios represent failures in consumer protection and FCRA compliance. \n\nEquifax appears to have inadequate systems and procedures for : - Identity verification - Account creation and maintenance - Customer service resolution - Tracking and following through on escalated issues - Providing the legally mandated access to credit reports TIMELINE : - [ First attempt date ] : First attempted to access my Equifax credit report online - [ Date ] : Attempted again, received error/denial - [ Date of first call ] : Called Equifax customer service XXXX representative promised to escalate issue to technical team - [ Date of second call ] : Called back to follow up - was told there was NO RECORD of any escalation - [ Dates ] : Provided driver 's license multiple times as requested with no resolution - [ Date ] : Multiple additional attempts to access account - all failed - [ Date range ] : Ongoing issue spanning [ XXXX ] - Present : Still completely unable to access my Equifax credit report online despite multiple XXXX and providing identification repeatedly WHAT I WANT : XXXX. * * Immediate access to my Equifax credit report * * - either online or via mail XXXX. * * A functional online account * * that allows me to monitor my credit regularly XXXX. * * Written explanation * * from Equifax about why I have been denied access XXXX. * * Compensation * * for : - Violation of my FCRA rights- Time wasted attempting to resolve this issue- XXXX distress and frustration - Potential credit damage from inability to monitor and dispute errors XXXX. * * Investigation * * into Equifax 's systematic failures that affect thousands of consumers XXXX. * * Corrective action * * to ensure Equifax provides reliable access to credit reports as required by law ADDITIONAL CONCERNS : Given that Equifax : - Collects and reports sensitive financial information about me without my consent - Profits from my personal data- Has a legal obligation to provide me access to this information - Has already demonstrated gross negligence in the 2017 data breach Their continued failure to provide basic access to my credit file is inexcusable and appears to be a willful violation of federal law. \n\nI request that the CFPB investigate Equifax 's practices and ensure they comply with their legal obligations to provide consumers access to their credit information. \n\nREQUESTED CFPB ACTION : - Investigate Equifax 's online access system failures - Require Equifax to provide me immediate access to my credit report - Impose penalties for FCRA violations- Monitor Equifax to ensure future compliance - Investigate whether this is a widespread systematic failure affecting other consumers SUPPORTING INFORMATION : - Screenshots of error messages ( if available ) - Dates and times of access attempts- Dates of phone calls to Equifax customer service - Reference numbers from calls ( if provided ) - Documentation showing I provided driver 's license multiple times - Any emails from Equifax - Documentation of attempts to resolve the issue * * Note regarding phone calls : * * If you were given reference numbers during your calls, include those. If you remember approximate dates of your calls, include those. Even if you don't have exact details, the fact that they promised escalation and then had no record of it is documented in this complaint. \n\nThis is a clear violation of my consumer rights, and I request immediate intervention to ensure Equifax complies with federal law.","date_sent_to_company":"2025-10-22T17:29:43.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16749661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-22T17:23:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["COMPANY INFORMATION : Company Name : Equifax Information Services LLC 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>Credit</em> <em>reporting</em> Issue : Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score Sub-issue : Problem getting your free annual <em>report</em> WHAT HAPPENED : I am filing this complaint against Equifax for repeatedly denying me access to my <em>credit</em> <em>report</em> and making it impossible for me to <em>monitor</em> my <em>credit</em> information, which is my legal right under"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Problem getting your free annual <em>credit</em> <em>report</em>"]},"sort":[13.055777,"16749661"]},{"_index":"complaint-public-v1","_id":"12046236","_score":12.00157,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Fraudulent Reporting & Identity Theft To Whom It May Concern, I am submitting this complaint againsXXXX XXXX XXXX XXXX XXXX. for reporting fraudulent and inaccurate information on my consumer report, which has significantly harmed my financial standing. Despite my previous disputes, these errors remain unresolved. \n\nDetails of the Complaint : Fraudulent Accounts : Unauthorized accounts have been reported in my name.\n\nUnauthorized Inquiries : There are hard inquiries on my report that I did not authorize.\n\nIncorrect Negative Information : My credit report reflects negative marks that do not belong to me.\n\nHow This Has Affected Me : Lowered My Credit Score : My credit score is currently XXXX, which does not reflect my actual creditworthiness. \nCredit Denials : I have been denied credit and banking services because of this fraudulent reporting. \nFinancial Hardship : These errors have made it difficult for me to access financial opportunities. \n\nPrevious Dispute Attempts : I have already disputed these issues directly with XXXX XXXX but have not received an adequate resolution. \n\nRequested Resolution : I am requesting immediate action from the CFPB to ensure XXXX XXXX  : XXXX. Removes all fraudulent accounts and unauthorized inquiries. \nXXXX. Deletes all incorrect negative information. \nXXXX. Provides written confirmation of corrections within XXXX hours. \n\nI have attached supporting documentation, including a copy of my identification, disputed credit report, and prior correspondence. \n\nThank you for your immediate attention to this matter. \n\n\n\nComplaint Against XXXX Subject : Urgent Complaint Against XXXX Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint against XXXX due to fraudulent and inaccurate information appearing on my consumer report. I have already disputed this information directly with XXXX, yet no corrective action has been taken. \n\nDetails of the Complaint : Fraudulent Accounts : Accounts opened without my consent have been falsely reported.\n\nUnauthorized Inquiries : My report shows inquiries I never authorized.\n\nIncorrect Negative Information : Negative marks unrelated to me are listed on my report. Impact on My Financial Standing\n: My credit score has been unfairly lowered to XXXX. \nI have been denied credit and banking services based on this false information. \nThese errors have caused me significant financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these errors but have received no proper resolution. \n\nRequested Resolution : I am requesting that the CFPB take action to : XXXX. Require XXXX to immediately remove fraudulent accounts and inquiries. \n2. Delete all inaccurate and unverifiable negative information.\n\n3. Provide written confirmation of these corrections within 24 hours.\n\nI have attached supporting documents, including my identification and disputed credit report.\n\nThank you for your urgent attention to this matter. \n\nSincerely, [ Your Full Name ] [ Your Contact Information ] Complaint Against XXXX Subject : Formal Complaint Against XXXX Identity Theft & Fraudulent Reporting To Whom It May Concern, I am filing this complaint against XXXX for allowing fraudulent and inaccurate information to appear on my consumer report, severely affecting my financial well-being. \n\nDetails of the Complaint : Fraudulent Accounts : Unauthorized accounts appear on my report.\n\nUnauthorized Inquiries : Hard inquiries were made without my consent.\n\nIncorrect Negative Information : My report contains negative information that does not belong to me.\n\nHow This Has Impacted Me : Unjustly lowered my credit score to XXXX. \nResulted in multiple credit and banking denials. \nCreated unnecessary financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these issues, yet they remain unresolved. \n\nRequested Resolution : I request that the CFPB ensure that XXXX : XXXX. Immediately removes all fraudulent accounts and inquiries. \nXXXX. Deletes all incorrect and unverifiable negative information. \nXXXX. Provides written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documentation for review. \n\nThank you for your immediate attention to this matter. \n\n\nHow to Submit These Complaints to the CFPB : XXXX. Go to the CFPBs complaint portal : CFPB Complaint Submission XXXX. XXXX a separate complaint for each bureau ( XXXX XXXX XXXX ). \n3. Under Product, choose : Credit reporting, credit repair services, or other personal consumer reports 4. Under Issue, choose : Incorrect information on your report 5. Copy and paste each complaint into the description box.\n\n6. Attach supporting documents, including : A copy of your ID ( drivers license or passport ).\n\nA recent credit report showing the fraudulent accounts.\n\nAny previous dispute letters or responses from the bureaus. \nXXXX. Submit your complaints and monitor your email for updates from the CFPB. \n\nAdditional Complaints to File Aside from XXXX, XXXX, and XXXX, other specialty reporting agencies XXXX have false information about you. \n\nCheck the CFPBs full list of consumer reporting agencies here : List of Consumer Reporting Companies If you find other agencies reporting false information, submit additional complaints following the same format. \n\nFinal Steps : File these complaints with the CFPB ASAP. \nMonitor your email for responses. \nIf no action is taken, escalate by contacting the FTC, FDIC, and your state attorney general.","date_sent_to_company":"2025-02-21T20:34:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"12046236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-14T03:08:46.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under Product, choose : <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> 4. Under Issue, choose : Incorrect information on your <em>report</em> 5. Copy and paste each complaint into the description box.\n\n6. Attach supporting documents, including : A copy of your ID ( drivers license or passport ).\n\nA recent <em>credit</em> <em>report</em> showing the fraudulent accounts.\n\nAny previous dispute letters or responses from the bureaus. \nXXXX."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[12.00157,"12046236"]},{"_index":"complaint-public-v1","_id":"12045945","_score":11.810147,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Identity Theft To Whom It XXXX Concern, I am submitting this complaint against XXXX XXXX XXXX XXXX for reporting fraudulent and inaccurate information on my consumer report, which has significantly harmed my financial standing. Despite my previous disputes, these errors remain unresolved. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts have been reported in my name. \nUnauthorized Inquiries : There are hard inquiries on my report that I did not authorize. \nIncorrect Negative Information : My credit report reflects negative marks that do not belong to me. \n\nHow This Has Affected Me : Lowered My XXXX XXXX : My XXXX XXXX is currently XXXX, which does not reflect my actual creditworthiness. \nCredit Denials : I have been denied credit and banking services because of this fraudulent reporting. \nFinancial Hardship : These errors have made it difficult for me to access financial opportunities. \n\nPrevious Dispute Attempts : I have already disputed these issues directly with XXXX XXXX but have not received an adequate resolution. \n\nRequested Resolution : I am requesting immediate action from the CFPB to ensure XXXX XXXX : 1. Removes all fraudulent accounts and unauthorized inquiries.\n\n2. Deletes all incorrect negative information.\n\n3. Provides written confirmation of corrections within XXXX hours. \n\nI have attached supporting documentation, including a copy of my identification, disputed credit report, and prior correspondence. \n\nThank you for your immediate attention to this matter. \n\n\n\nComplaint Against Innovis Subject : Urgent Complaint Against Innovis Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint against Innovis due to fraudulent and inaccurate information appearing on my consumer report. I have already disputed this information directly with Innovis, yet no corrective action has been taken. \n\nDetails of the Complaint : XXXX Accounts : Accounts opened without my consent have been falsely reported. \nUnauthorized Inquiries : My report shows inquiries I never authorized. \nIncorrect Negative Information : Negative marks unrelated to me are listed on my report. \n\nImpact on My XXXX XXXX : My XXXX XXXX has been unfairly lowered to XXXX. \nI have been denied credit and banking services based on this false information. \nThese errors have caused me significant financial hardship. \n\nPrevious Dispute Attempts : I previously contacted Innovis to dispute these errors but have received no proper resolution. \n\nRequested Resolution : I am requesting that the CFPB take action to : 1. Require Innovis to immediately remove fraudulent accounts and inquiries.\n\n2. Delete all inaccurate and unverifiable negative information.\n\n3. Provide written confirmation of these corrections within 24 hours. \n\nI have attached supporting documents, including my identification and disputed credit report. \n\nThank you for your urgent attention to this matter. \n\nSincerely, [ Your Full Name ] [ Your Contact Information ] Complaint Against XXXX Subject : XXXX XXXX XXXX XXXX Identity Theft & Fraudulent Reporting To Whom It XXXX Concern, I am filing this complaint against XXXX for allowing fraudulent and inaccurate information to appear on my consumer report, severely affecting my financial well-being. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts appear on my report. \nUnauthorized Inquiries : Hard inquiries were made without my consent. \nIncorrect Negative Information : My report contains negative information that does not belong to me. \n\nHow This Has Impacted Me : Unjustly lowered my XXXX XXXX to XXXX. \nResulted in multiple credit and banking denials. \nCreated unnecessary financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these issues, yet they remain unresolved. \n\nRequested Resolution : I request that the CFPB ensure that XXXX : XXXX. Immediately removes all fraudulent accounts and inquiries. \nXXXX. Deletes all incorrect and unverifiable negative information. \nXXXX. Provides written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documentation for review. \n\nThank you for your immediate attention to this matter. \n\n\nHow to Submit These Complaints to the CFPB : 1. Go to the CFPBs complaint portal : CFPB Complaint Submission 2. File a separate complaint for each bureau ( Clarity, Innovis, XXXX ). \n3. Under XXXX, choose : Credit reporting, credit repair services, or other personal consumer reports 4. Under XXXX, choose : Incorrect information on your report XXXX. Copy and paste each complaint into the description box. \n6. Attach supporting documents, including : A copy of your ID ( drivers license or passport ). \nA recent credit report showing the fraudulent accounts. \nAny previous dispute letters or responses from the bureaus. \nXXXX. Submit your complaints and monitor your email for updates from the CFPB. \n\nAdditional Complaints to XXXX XXXX  from XXXX, Innovis, and XXXX, other specialty reporting agencies XXXX have false information about you. \n\nCheck the CFPBs full list of consumer reporting agencies here : List of XXXX XXXX Companies If you find other agencies reporting false information, submit additional complaints following the same format. \n\nFinal Steps : File these complaints with the CFPB ASAP. \nMonitor your email for responses. \nIf no action is taken, escalate by contacting the FTC, FDIC, and your state attorney general.","date_sent_to_company":"2025-02-21T20:34:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"12045945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-02-14T03:15:40.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under XXXX, choose : <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> 4. Under XXXX, choose : Incorrect information on your <em>report</em> XXXX. Copy and paste each complaint into the description box. \n6. Attach supporting documents, including : A copy of your ID ( drivers license or passport ). \nA recent <em>credit</em> <em>report</em> showing the fraudulent accounts. \nAny previous dispute letters or responses from the bureaus. \nXXXX."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.810147,"12045945"]},{"_index":"complaint-public-v1","_id":"12045940","_score":11.810147,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Identity Theft To Whom It XXXX Concern, I am submitting this complaint against XXXX XXXX XXXX XXXX for reporting fraudulent and inaccurate information on my consumer report, which has significantly harmed my financial standing. Despite my previous disputes, these errors remain unresolved. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts have been reported in my name. \nUnauthorized Inquiries : There are hard inquiries on my report that I did not authorize. \nIncorrect Negative Information : My credit report reflects negative marks that do not belong to me. \n\nHow This Has Affected Me : Lowered My XXXX XXXX : My XXXX XXXX is currently XXXX, which does not reflect my actual creditworthiness. \nCredit Denials : I have been denied credit and banking services because of this fraudulent reporting. \nFinancial Hardship : These errors have made it difficult for me to access financial opportunities. \n\nPrevious Dispute Attempts : I have already disputed these issues directly with XXXX XXXX but have not received an adequate resolution. \n\nRequested Resolution : I am requesting immediate action from the CFPB to ensure XXXX XXXX : 1. Removes all fraudulent accounts and unauthorized inquiries.\n\n2. Deletes all incorrect negative information.\n\n3. Provides written confirmation of corrections within XXXX hours. \n\nI have attached supporting documentation, including a copy of my identification, disputed credit report, and prior correspondence. \n\nThank you for your immediate attention to this matter. \n\n\n\nComplaint Against XXXX Subject : Urgent Complaint Against XXXX Fraudulent Information Due to Identity Theft To Whom It XXXX Concern, I am submitting this complaint against XXXX due to fraudulent and inaccurate information appearing on my consumer report. I have already disputed this information directly with XXXX, yet no corrective action has been taken. \n\nDetails of the Complaint : XXXX Accounts : Accounts opened without my consent have been falsely reported. \nUnauthorized Inquiries : My report shows inquiries I never authorized. \nIncorrect Negative Information : Negative marks unrelated to me are listed on my report. \n\nImpact on My XXXX XXXX : My XXXX XXXX has been unfairly lowered to XXXX. \nI have been denied credit and banking services based on this false information. \nThese errors have caused me significant financial hardship. \n\nPrevious Dispute Attempts : I previously contacted XXXX to dispute these errors but have received no proper resolution. \n\nRequested Resolution : I am requesting that the CFPB take action to : 1. Require XXXX to immediately remove fraudulent accounts and inquiries. \n2. Delete all inaccurate and unverifiable negative information.\n\n3. Provide written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documents, including my identification and disputed credit report. \n\nThank you for your urgent attention to this matter. \n\nSincerely, [ Your Full Name ] [ Your Contact Information ] Complaint Against LexisNexis Subject : XXXX XXXX XXXX LexisNexis Identity Theft & Fraudulent Reporting To Whom It XXXX Concern, I am filing this complaint against LexisNexis for allowing fraudulent and inaccurate information to appear on my consumer report, severely affecting my financial well-being. \n\nDetails of the Complaint : XXXX Accounts : Unauthorized accounts appear on my report. \nUnauthorized Inquiries : Hard inquiries were made without my consent. \nIncorrect Negative Information : My report contains negative information that does not belong to me. \n\nHow This Has Impacted Me : Unjustly lowered my XXXX XXXX to XXXX. \nResulted in multiple credit and banking denials. \nCreated unnecessary financial hardship. \n\nPrevious Dispute Attempts : I previously contacted LexisNexis to dispute these issues, yet they remain unresolved. \n\nRequested Resolution : I request that the CFPB ensure that LexisNexis : 1. Immediately removes all fraudulent accounts and inquiries.\n\n2. Deletes all incorrect and unverifiable negative information.\n\n3. Provides written confirmation of these corrections within XXXX hours. \n\nI have attached supporting documentation for review. \n\nThank you for your immediate attention to this matter. \n\n\nHow to Submit These Complaints to the CFPB : 1. Go to the CFPBs complaint portal : CFPB Complaint Submission 2. File a separate complaint for each bureau ( Clarity, XXXX, LexisNexis ). \nXXXX. Under XXXX, choose : Credit reporting, credit repair services, or other personal consumer reports XXXX. Under XXXX, choose : Incorrect information on your report XXXX. Copy and paste each complaint into the description box. \nXXXX. Attach supporting documents, including : A copy of your ID ( drivers license or passport ). \nA recent credit report showing the fraudulent accounts. \nAny previous dispute letters or responses from the bureaus. \nXXXX. Submit your complaints and monitor your email for updates from the CFPB. \n\nAdditional Complaints to File Aside from XXXX, XXXX, and LexisNexis, other specialty reporting agencies XXXX have false information about you. \n\nCheck the CFPBs full list of consumer reporting agencies here : List of XXXX XXXX Companies If you find other agencies reporting false information, submit additional complaints following the same format. \n\nFinal Steps : File these complaints with the CFPB ASAP. \nMonitor your email for responses. \nIf no action is taken, escalate by contacting the FTC, FDIC, and your state attorney general.","date_sent_to_company":"2025-02-21T20:34:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"464XX","tags":null,"has_narrative":true,"complaint_id":"12045940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-02-14T03:15:40.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under XXXX, choose : <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> XXXX. Under XXXX, choose : Incorrect information on your <em>report</em> XXXX. Copy and paste each complaint into the description box. \nXXXX. Attach supporting documents, including : A copy of your ID ( drivers license or passport ). \nA recent <em>credit</em> <em>report</em> showing the fraudulent accounts. \nAny previous dispute letters or responses from the bureaus. \nXXXX."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[11.810147,"12045940"]},{"_index":"complaint-public-v1","_id":"6050129","_score":10.946247,"_source":{"product":"Debt collection","complaint_what_happened":"As a result of this illegal ( see further down ) door to door sales I was fooled into a contract with a home security system XXXX XXXX XXXX ( XXXX, Utah ) Since XX/XX/XXXX at which I pay monthly for monitoring services. Upon a more diligent investigation as I began to question the conception of this contracted service and the companys reputation that I knew nothing about. The sales person named XXXX who stated that he was originally from Alabama assured me to always be available to contact for any reason. He further assured me that if after this agreement was effected and I had any concerns to please contact him and he would resolve any matter what so ever if one arose. \nI expressed my skepticism in that regard about this possibly being so only as long as he was with this company/XXXX. He ( this salesperson ) assured me that he had been wit this company for a very long time and wasnt going anywhere any time soon. This proved to be untrue later. Meanwhile, I was comforted in believing that if I at-least tried this agreement for several months to a year and if I decided that I did not want to continue the service I was free to cancel at any time without consequence. He explained that a worse case scenario, the equipment would need to be given back and the relationship could end without any negative consequence. \nAfter learning that the associated creditor FORTIVA XXXXwhich facilitated the means for the this agreement abusively reported a late or missed payment to my Credit Report likely in an effort to extract additional fees such as late fees by disregarding or taking advantage of some means by which an inadvertent technical error occurred in automatic payments upon which I relied to avoid any such human related error-I attempted to correct this problem with negative results. I made further payments in good faith while trying to repair this damage to my Credit Standing while FORTIVA attempted to extract more late fees from me and holding my credit worthiness as leverage or even blackmail possibly. I now suffered the burden of trying to repair my credit score because of this relationship. Upon attempting to communicate with FORTIVA further about this matter, I requested that they furnish me a copy of any such NOTE or retail service agreement or such contract. They have not to date. \n\nI called and spoke to XXXX about this on XXXX XXXX, XXXX and explained my situation to him. During the conversation I learned that he had indeed moved on and now working at a different company. He indeed explained to me that Corporate refering back to XXXX teaches him what to say in order to effect a deal. This is consistent with several complaints about this company made by several other consumers and documented in lawsuits against this company. \nThe conversation ended with him promising me to have the regional manager call me back to address my problem and concerns. This regional Manager never called me. I then learned that XXXX on this particular day in which this agreement occurred did not register with the City ( City of XXXX ) in order to legally conduct door to door solicitations. Therefore, the conception of this agreement/contract is defective to begin with. \n\nIn order to obtain the equipment used for this service, I was compelled to use their affiliated creditor Fortiva which provided a line of credit for a sum of just over/about {$3000.00} for the equipment. On this particular day, my option to decide to cancel was also impacted as that my 3 days cooling off period allowed by Florida law was disrupted and not remedied. It took more than one day to install the equipment in order for the service to be activated. The individual working to install the equipment remained in my home over for an inordinate time. This required me to be present restricting my activities or ability to tend to other personal matters. No remedy was provided or made apparent to me. \n\nUpon attempting to cancel the service, my effort was circumvented by XXXX representatives over a recorded phone call. They explained that I could only cancel upon fully purchasing the equipment and furnishing such proof to XXXX. On another instance this condition was further complicated when I called yet again trying to get better help in order to cancel this service as was supposedly in my right. \nI was then told on the second time that I now had to purchase fifty percent of the remaining contract as well as provide proof that the equipment was fully purchased before I could effectively cancel this service. I was never provided the correct instructions on how to cancel this contract by XXXX representatives, showing a clear effort to take advantage of a consumer 's ignorance of their rights and to retain such source of income at the expense of consumer rights and other legal parameters. \nI requested for any and all documents including any NOTE related to this entire contract and never received such after providing my proper email address and having been promised to be supplied. I then indeed found the service contract which made no such mention of these cancellation conditions and I thereby forwarded a notice of cancellation in writing by certified mail which was received by XXXX on XX/XX/XXXX. \nThe conditions of cancellation as per the contract required 30 days notice. XXXX charged my bank account XX/XX/XXXX for the usual amount as previous months and as it appears, after receiving my notice of cancellation on XX/XX/XXXX -they hastily charged me yet again XX/XX/XXXX. Today XX/XX/XXXX I called my banking institution to ensure that XXXX does not continue to unjustly charge my account while disregarding my notice of cancellation. As incredible as this seems, the banking representative who I spoke to today about this matter expressed to me that she too had this same experience with XXXX and expressed her very negative opinion after her personal experience with this company. She affirmed to me that it indeed was a good idea to cancel the autopay set up pertaining to XXXX because they ( XXXX ) is indeed known to charge anyway and leave one with the burden of trying to correct their mischief. \nXXXX has charged me twice in the same month having acted yet again in bad faith. XXXX and FORTIVA are joint conspirators in this abuse and are engaged in the same effort to corner a consumer and destroy Credit Standing in order to insure a source of income which originated through deception, embellishment and misrepresentation of a contract terms and general customer service as well as skirting consumer rights. FORTIVA under these circumstances has leveraged a consumers Credit Standing in order to strongarm unwilling participation.","date_sent_to_company":"2022-10-04T23:07:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"33322","tags":null,"has_narrative":true,"complaint_id":"6050129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Atlanticus Services Corporation","date_received":"2022-10-04T22:40:21.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I made further payments in good faith while trying to <em>repair</em> this damage to my <em>Credit</em> Standing while FORTIVA attempted to extract more late fees from me and holding my <em>credit</em> worthiness as leverage or even blackmail possibly. I now suffered the burden of trying to <em>repair</em> my <em>credit</em> score because of this relationship. Upon attempting to communicate with FORTIVA further about this matter, I requested that they furnish me a copy of any such NOTE or retail service agreement or such contract."],"sub_product":["<em>Credit</em> card debt"],"sub_issue":["Threatened or suggested your <em>credit</em> would be damaged"]},"sort":[10.946247,"6050129"]},{"_index":"complaint-public-v1","_id":"5299081","_score":10.608373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint Dear Consumer Financial Protection Bureau, I am writing this letter regarding a service I received from Top Flight Assistance, I am requesting an immediate refund from this company. I believe this company used a misleading representation of the services, extended credit to me in the form of a company tradeline, charged me money for services that were not fully performed, and attempt to commit deception of their services. It wasnt until I read the Credit Repair Organization Act that, I knew this company used prohibited practices. \n\nI do not believe this company will reach out again and make this situation right. I honestly feel scammed. Im now looking for any help possible to get my refund. I recently read the Credit Repair Organization Act and Believe this Company violated several CROA public laws. \n\nDuring my call on XX/XX/2021, The consultant XXXX used a misleading representation of the services to get me to sign the contract. He charged me to remove accurate verifiable information on my credit report and for a company tradeline with the expectation that my credit score had been improved. He never disclosed the Consumer Credit File Rights Under State and Federal Law. \n\nThe contract should be treated as void because it violates several Consumer Credit File Rights Under State and Federal Laws. \n\nThey were not supposed to provide service until 3 days after the contract was signed. I have a document stating the first round of disputes went out on XX/XX/XXXX. \n\nWhile under contract they tried to deceive me with their client portal. It shows deleted accounts but, those things are actually still reporting on my credit report. \n\nI was never provided with proof of work documentation. They are taking credit for accounts that were removed but, never sharing dispute confirmation numbers or dispute response letters. \n\n\n\n\n\n\n\n\n\n\n\nStory of time with Top Flight Assistance I contacted Top Flight Assistance by phone call On XX/XX/2021, I spoke with a consultant named XXXX. He advised me, this is a credit repair company, their job is to review your credit report, look for inaccurate reporting and attack it with disputes. I gave him permission to review my credit report to see if they could help. My credit score was in the low to mid XXXX and I really wanted to improve it before next year. He reviewed my report and informed me he could help. When XXXX reviewed my credit report, he pointed out a few things that he felt were inaccurate. I asked him multiple times during our conversation. What If those accounts are accurate, are you still able to remove them? His response was yes. \n\nHe informed me there is a total of 60 negative items and the total quote was {$2900.00} or if I could pay {$1900.00} today, theyll discount {$1000.00}. I agreed to pay the {$1900.00} for their XXXX XXXX XXXX XXXX package. This was a VIP package that offered a company Tradeline once all my credit was fixed. They really sold me on their ability to remove accurate negative accounts and the tradeline. However before we sign the contract I told him, I must be honest. Im working with a company thats helping me pay off my debt, are you still able to help me? His tone changed ; it was almost like he wanted to say no but didnt. He asked me a few questions about the company. I answered them to the best of my knowledge then, he informed me that he would still be able to help and to cancel my services with them. I signed the contract and canceled my service with freedom debt relief the same day. I had been working with them for 6 months before calling XXXX. \n\nI followed all the instructions that were asked of me during the setup process. Three months had gone by, and I notice no improvement. They made no attempts to communicate with me until I called and ask for an update. When I got in contact with someone, we reschedule an update call a few days later. On the call, I shared my frustration and concerns about no results. The consultant told me it may take a while to remove these items and that theyll send out another round of dispute letters soon. Thats pretty much how the conversation ended. \n\nAround the same time as the first update call, I started receiving letters in the mail from some of the creditors whom I stop communicating with about payment options. Some of them stopped and others intensify their demands. In the same time frame, I started receiving court-ordered letters in the mail, informing me that my wages will be garnished. I immediately contacted the law firm XXXX XXXX XXXX XXXX ) who was representing the creditor ( XXXX XXXX XXXX ). I had two collection accounts with this company. The first account ended in XXXX with a balance of {$1100.00} the other ended in XXXX with a balance of {$1700.00}. I paid both accounts in full on XX/XX/2021. XXXX XXXX informed me theyll send out a request for both accounts to be removed from my credit report. \n\nI was afraid of receiving another garnishment letter, so I paid off the other two creditors who were constantly contacting me by mail and phone. Those accounts were XXXX, and portfolio recovery. Both accounts were paid in full IRET on XX/XX/2021 and portfolio on XX/XX/2021. I was informed by both, theyll send out a request for these accounts to be removed from all three credit bureaus. \n\nI had become more frustrated with this company after two more months. They couldnt remove anything and everything that had been deleted was because I paid the accounts in full. I contacted them again and they gave me the same strip as last time. To just be patient and theyll send out another round of letters. I asked them, how do I go about getting a refund. They informed me Id need to wait 365 days and that was the end of this conversation. \n\nI reached out multiple times asking for an update and refund between XXXX and XX/XX/2021, because there was still no proof of work on their end. I was told the same thing. At that point, I completely lost hope in this company. I then decided to wait until it was time for my refund. \n\nIt was getting closer to the one year mark and still, nothing was removed but, the accounts that were paid. I contacted Top flight assistance again in XXXX to just request a refund, I was no longer interested in an update. I had been monitoring my own credit and knew nothing had changed. I explained my story to one of their consultants and she informed me that XXXX, shouldve never offered me service after I told him my debts were validated. She then informed me that XXXX notate in their system that Im requesting a refund. This really was really upsetting. I believe he know he couldnt help me out but still wanted my money. \n\nI was finally able to get ahold of someone almost a month later after several attempts. They assigned a manager to my case and he was supposed to help me get the best refund. I explained my situation to him as well and he informed me that XXXX investigate everything and offer the most ideal refund. He didnt reach out until two weeks later and it was from his personal cell phone. \n\n\nIn this phone conversation, he informed me XXXX does not work for them anymore but, he didnt say anything misleading during our conversation. He then proceeded to explain the reason for each deleted item on my credit repair. He informed me that they were able to successfully dispute 5 of the 12 items that were removed. Those accounts were both XXXX XXXX, XXXX, XXXX, and XXXX. I then informed him those accounts were removed because I paid those balances in full. He then asked me to provide documentation from the creditors stating they would remove the account after the payment. I said okay but, dont you guys have the dispute response on your end. He said yes but, never offered to give me a copy. I was told before the phone call ended the most theyll be able to refund was {$400.00} and a company tradeline. \n\nIn a week I was able to gather enough information from the creditors, Credit bureaus and previous credit reports. All this information proves this company wasnt able to remove anything from my credit report. I then sent them all the information I had on my end, with a document stating the actual reason for removal based on the information gathered. I havent heard from them since. \n\nI do not believe this company will reach out again and I honestly feel scammed. Im now looking for any help possible to get my refund. I recently read the Credit Repair Organization Act and Believe this Company violated several CROA public laws.","date_sent_to_company":"2022-03-28T18:35:05.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"55430","tags":null,"has_narrative":true,"complaint_id":"5299081","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Top Flight Assistance (Top Flight Credit Assistance)","date_received":"2022-03-08T22:48:08.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["He advised me, this is a <em>credit</em> <em>repair</em> company, their job is to review your <em>credit</em> <em>report</em>, look for inaccurate <em>reporting</em> and attack it with disputes. I gave him permission to review my <em>credit</em> <em>report</em> to see if they could help. My <em>credit</em> score was in the low to mid XXXX and I really wanted to improve it before next year. He reviewed my <em>report</em> and informed me he could help. When XXXX reviewed my <em>credit</em> <em>report</em>, he pointed out a few things that he felt were inaccurate."],"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>"],"company":["Top Flight Assistance (Top Flight <em>Credit</em> Assistance)"],"sub_product":["<em>Credit</em> <em>repair</em> services"]},"sort":[10.608373,"5299081"]},{"_index":"complaint-public-v1","_id":"15328096","_score":10.559376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT AGAINST XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stellantis Financial Services Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issue : Information belongs to someone else EXECUTIVE SUMMARY Stellantis Financial Services has filed a fraudulent \" Delinquent Account '' credit report against me on XX/XX/XXXX, despite having no legal right to report on this account. The debt was sold to XXXX XXXX XXXX over XXXX  months ago, and I have been current with the actual debt owner for XXXX  months. This constitutes willful violation of the Fair Credit Reporting Act and requires immediate CFPB intervention. \n\nDETAILED COMPLAINT BACKGROUND - DEBT OWNERSHIP AND PAYMENT HISTORY Original Account : XXXX XXXX XXXX XXXX Limited financing through Stellantis FS Debt Sale Date : Over XXXX  months ago ( before XX/XX/XXXX ) Current Debt Owner : XXXX XXXX Services My Payment Status : Current for XXXX  months with XXXX XXXX XXXX XXXX XXXX to Stellantis FS : {$0.00} ( debt was sold ) FRAUDULENT CREDIT REPORTING Date of False Report : XX/XX/XXXX False Information : \" Delinquent Account '' reported by Stellantis FS Actual Facts : I owe Stellantis FS nothing - debt was sold over XXXX  months ago I have been current with actual debt owner ( XXXX ) for XXXX  months No delinquency exists with any creditor Stellantis FS has no legal standing to report on sold debt LEGAL VIOLATIONS This fraudulent reporting violates : Fair Credit Reporting Act 1681s-2 ( a ) - Duty to furnish accurate information FCRA 1681s-2 ( a ) ( 2 ) - Prohibition on reporting debt after sale without legal standing FCRA 1681i - Procedures for dispute resolution Consumer Financial Protection Act - Deceptive practices EVIDENCE OF WILLFUL MISCONDUCT Why This Appears to be Willful Fraud : Knowledge of Debt Sale : Stellantis FS sold the debt - they know they don't own it No Current Relationship : I have had no contact with Stellantis FS for over 12 months Suspicious Timing : Report filed during my legal dispute with manufacturer over lemon law settlement Access to Records : They have records showing debt was sold to XXXX No Business Purpose : No legitimate reason to report on debt they don't own CONNECTION TO OTHER LEGAL ISSUES Critical Context : This false credit reporting appears connected to my ongoing legal dispute : Lemon Law Case : Currently disputing inadequate settlement for defective XXXX XXXX XXXX Attorney Malpractice : Filed State Bar complaint against attorney for inadequate representation Manufacturer Pressure : FCA/Stellantis facing demands for revised settlement Retaliation Timing : False credit report filed exactly during legal pressure This appears to be retaliation for demanding adequate legal remedies. \nSPECIFIC HARM CAUSED Immediate Harm : False Delinquency on credit reports damaging credit score Credit Access Impact - may affect future lending decisions Reputational Harm - false information suggests I don't pay debts Emotional Distress from fraudulent credit reporting Time and Expense to dispute false information Ongoing Harm : Credit reports may be pulled by potential creditors showing false delinquency May impact insurance rates, employment opportunities, housing applications Creates ongoing monitoring burden to ensure false information stays removed ATTEMPTED RESOLUTION Actions Taken : XX/XX/XXXX : Filed disputes with all three credit bureaus ( XXXX XXXX XXXX  ) XX/XX/XXXX : Demanded immediate correction of false reporting Evidence Provided : Documentation showing debt ownership by XXXX and XXXX payment history Company Response : None yet - complaint filed same day as discovery REQUESTED RELIEF IMMEDIATE ACTIONS REQUIRED : Investigation of Stellantis FS for systematic credit reporting violations Order Immediate Correction of all credit reports showing false delinquency Cease and Desist Order preventing future reporting on debt they don't own Public Enforcement Action if this is part of systematic misconduct MONETARY RELIEF : Statutory Damages under FCRA for willful violation ( up to {$1000.00} ) Actual Damages for credit score harm and related consequences Punitive Damages for willful and malicious false reporting Attorney Fees and Costs if legal action becomes necessary REGULATORY RELIEF : Industry Guidance on post-sale credit reporting obligations Enhanced Monitoring of Stellantis FS credit reporting practices Consumer Education about rights regarding sold debt reporting Systematic Investigation of similar violations by this creditor SUPPORTING DOCUMENTATION Available Evidence : Documentation of debt sale to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  months current with actual debt owner Screenshots of false credit report from XX/XX/XXXX Credit bureau dispute filings and confirmations Timeline showing suspicious correlation with legal disputes Witness Information : XXXX XXXX XXXX can confirm debt ownership and payment status Credit bureau records showing false information Legal case documentation showing timing correlation PATTERN OF CONCERN Industry-Wide Problem : This case may indicate systematic issues with : Post-sale credit reporting by automotive finance companies Retaliation against consumers pursuing legal remedies Inadequate verification before filing credit reports Willful false reporting to pressure consumers Public Interest : This affects : Consumer credit protection integrity Fair debt collection practices Automotive industry accountability Legal system access without retaliation CONCLUSION Stellantis Financial Services has engaged in willful credit reporting fraud by filing a false \" Delinquent Account '' report on debt they sold over XXXX  months ago. I have been current with the actual debt owner for XXXX  months and owe Stellantis FS nothing. \nThis appears to be retaliation for pursuing legitimate legal remedies in my lemon law case, making it particularly egregious misconduct that threatens consumer access to justice. \nI request immediate CFPB intervention to : Force correction of false credit reporting Investigate systematic violations Provide appropriate monetary relief Prevent future retaliation against consumers This case presents a clear example of willful FCRA violations requiring strong regulatory response to protect consumers from fraudulent credit reporting by companies that no longer own debts.","date_sent_to_company":"2025-08-16T20:37:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"275XX","tags":null,"has_narrative":true,"complaint_id":"15328096","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Stellantis Financial Services US Corp.","date_received":"2025-08-16T20:16:20.000Z","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":["<em>CONSUMER</em> FINANCIAL PROTECTION BUREAU COMPLAINT AGAINST XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Complainant : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stellantis Financial Services 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 : Incorrect information on your <em>report</em> Sub-issue : Information belongs to someone else EXECUTIVE SUMMARY Stellantis Financial Services has filed a fraudulent \" Delinquent Account"],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[10.559376,"15328096"]},{"_index":"complaint-public-v1","_id":"3217398","_score":10.335318,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is paying consumers who were damaged {$1500.00} for reporting tax liens. I attempted to file complaint online. They required ( no choice ) to agree to their unilateral terms, and their terms of service agreement follows : Terms of Use Agreement Revised XX/XX/2019 ( Please note that our Terms of Use Agreement is also referred to as the \" Terms and Conditions '' ) OVERVIEW AND ACCEPTANCE OF TERMS You agree that by creating an account with XXXX  ( as defined below ), or accessing or using our Services ( as defined below ), website ( s ) ( such as this website, https : //usa.experian.com, or any affiliated website ( including, but not limited to, Experian.com,  XXXXXXXX XXXX, XXXX XXXX, XXXX, usa.experian.com, and experian.experiandirect.com ) ), or mobile applications ( such as the Experian app ), as well as any content provided or accessible in connection with the website ( s ) or mobile application ( s ), including information, user interfaces, source code, reports, images, products, services, and data ( each website and mobile application referred to herein as a \" Website, '' and collectively, as \" Websites '' ), you represent to XXXX that you have read, understood, and expressly consent and agree to be bound by this Terms of Use Agreement, and the terms, conditions, and notices contained or referenced herein ( \" Agreement '' ) whether you are a \" Visitor '' ( which means that you simply browse or access a Website ), or a \" Customer '' ( which means that you have created an account with XXXX, or enrolled or registered with a Website, or are accessing or using a Service ). \n\n\n\nAt Customer 's election, Customer may, from time to time, request to receive, and XXXX may provide, free services or services subject to a fee, whether a recurring fee or a one-time transactional fee ( each a \" Service '' ) ), and Customer 's receipt and use of such Services shall, at all times, be subject to this Agreement. The term \" Service '' includes, but is not limited to, the provision of any of our products and services, including credit report ( s ), credit risk score ( s ), credit monitoring, credit score monitoring and credit score tracking ( including all the data and information contained therein ),  the receipt of any alerts notifying you of changes to the information contained in your credit report ( s ),  regardless of the manner in which you receive the Services, whether by email or mail, through a website or mobile application, by telephone, or through any other mechanism by which a Service is delivered or provided to you. The term \" you '' or \" User '' refers to a Visitor or a Customer. For purposes of this Agreement, the terms \" we, '' \" us '' or \" XXXX '' refer to XXXX, XXXX, an Experian company ( also known as Experian Consumer Services ), and referred to as \" Experian '' on the Websites, its predecessors in interest, successors and assigns, and any of its third party service providers ( including, without limitation, cloud service providers ) who XXXX uses in connection with the provision of the Services to you. If you are a Visitor and do not wish to be bound by this Agreement,  you should immediately cease accessing and using the Websites. Notwithstanding the immediate preceding sentence, if you are a Visitor and continue to access and use a Website, by virtue of your continued access and/or use of the Website, you are indicating your acceptance of this Agreement and agreement to be bound by the terms and conditions contained herein. If you wish to become a Customer and make use of the Services, you will be prompted during the registration process to agree, and must agree, to be bound by this Agreement. \n\n\n\nFor the avoidance of doubt, this Agreement expressly applies to : ( a ) your access to and use of the Websites ; ( b ) any and all transactions between you and XXXX through the Websites, including for the provision of any Services or of any credit, personal, financial or other information delivered as part of or in conjunction with free Services or paid Services, including any such information that may be  archived to the extent made available on the Websites, such as ( i ) for your purchase of non-membership based Services such as the 3 Bureau Credit Report and FICO Scores, the FICO Industry or other Base FICO Scores and/or an Experian Credit Report and FICO Score, ( ii ) enrollment and use of free Services ( such as EXPERIAN XXXX Basic ), and/or enrollment, purchase and use of membership based Services ( such as EXPERIAN XXXX XXXX, Experian XXXX, or Experian XXXX XXXX XXXX ; and ( iii ) your access to and use of calculators, credit resources, text, pictures, graphics, logos, button items, icons, images, works of authorship and other information and all revisions, modifications, and enhancements thereto contained in the Websites. \n\n\n\nYou may not browse the Websites, or create an account or register with XXXX, or use or enroll in any Services, and you may not accept this Agreement, if you are not of a legal age to form a binding contract with XXXX. If you accept this Agreement, you represent that you have the capacity to be bound by it. Before you continue, you should print or save a local copy of this Agreement for your records. \n\n\n\nTHE SERVICES AND WEBSITES ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THIS AGREEMENT CAREFULLY. YOUR ACCEPTANCE OF, ORDER OF, USE OF, AND/OR ACCESS TO, THE SERVICES AND WEBSITES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE, ACCESS OR ORDER ANY SERVICE OR ACCESS OR USE THE WEBSITES. IF YOU HAVE ALREADY BEGUN ACCESSING OR USING THE SERVICES AND/OR WEBSITES AND DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, IMMEDIATELY CEASE USING THE SERVICE OR WEBSITE AND/OR DISCARD ANY INFORMATION OR PRODUCTS YOU RECEIVED VIA ANY SERVICE OR WEBSITE ( TO THE EXTENT APPLICABLE ), AND CALL CUSTOMER CARE AT XXXX TO CANCEL YOUR ACCOUNT WITH XXXX. NOTE, YOU MAY ALSO BE ABLE TO DEACTIVATE YOUR PAID SERVICE AND RETAIN YOUR ACCOUNT WITH ECS ONLINE, AS AND TO THE EXTENT EXPLAINED IN FURTHER DETAIL BELOW. \n\n\n\nPERMISSIBLE PURPOSE AND CONSENTS You understand and agree that, by establishing an account with XXXX, or submitting your order or enrolling for any Service ( including an order for a Service that includes enrollment of your minor child in such Service ), you have provided \" written instructions '' in accordance with the Fair Credit Reporting Act, as amended ( \" FCRA '' ), for XXXX, and its service provider, XXXX XXXX, an Experian company ( \" XXXX '' ), to obtain your credit report and/or credit score ( s ) ( or the credit report or credit score ( s ) of any minor children whom you have enrolled in a Service ) on a recurring basis to provide them to you while you have an account with XXXX, and such information may be obtained by Experian Information Solutions , Inc. ( \" Experian Credit Bureau '' ) or any other credit reporting company. You understand and agree that, pursuant to such authorization, XXXX, and its service provider, XXXX, may access your credit profile ( and those of any minor children whom you have enrolled in a Service ), including without limitation, your credit report, credit score ( s ) and other related information, to, among other things, verify your identity ( or those of any minor children whom you have enrolled ) and to provide credit monitoring, credit scoring, credit score monitoring and tracking, identity monitoring, alerts for, among other things, dormant accounts, new accounts, inquiries, other changes to information contained in your credit report, fraud resolution, or card registry products. You understand and agree that XXXX, and its service provider, XXXX, may, from time to time, provide products, services, features and/or functionality to you, and that they shall be offered pursuant to the same authorization that you provided to XXXX  for XXXX  to obtain your credit report and/or credit score ( s ) on a recurring basis to provide them to you to review while you have an account with XXXX. \n\n\n\nYou further understand and agree that, by establishing an account with XXXX, or submitting your order or enrolling for any Service, you have provided \" written instructions '' in accordance with the FCRA for XXXX to obtain and use the information you have provided, and your credit report and/or credit score ( s ) to notify you of credit opportunities and other products and services that may be available to you through XXXX or through unaffiliated third parties ( as explained in the section below entitled \" General Description of Services '' ). In addition, you further understand and agree that, if you request certain loan offers as part of any Service, such as prequalified personal loan offers, you are authorizing XXXX   to send your information to lending partners on your behalf, and have provided \" written instructions '' in accordance with the FCRA to such lending partners to obtain information from your personal credit profile or other information from one or more consumer reporting agencies, such as XXXX, Experian or XXXX, solely to prequalify you for credit options, offers or other credit opportunities, including prequalified personal loan offers, and to share such credit opportunities with XXXX. \n\n\n\nYou understand and agree that XXXX receives compensation for the marketing of credit opportunities or other products or services available through third parties, and that this compensation may impact how and where such credit opportunities, products or services appear on a Website ( including, for example, the order in which they appear ). You further understand and agree that many but not all credit opportunities available through third parties, such as prequalified credit and personal loan offers, may be made available to you in a Service, and such Service will not include all credit opportunities available through third parties. Please note that prequalification for a credit opportunity available through a third party does not guarantee approval, and you will need to submit an application with such third party if you choose to apply for a prequalified offer ( and such application may result in a credit inquiry that can impact your credit score ( s ) ). \n\n\n\nYou further understand and agree that, by using the Experian Boost Service or other Services using Linked Accounts ( as defined below, including Financial Management Tools ), you ( i ) authorize XXXX   and its service provider ( s ), including XXXX, to gain recurring access to your financial account ( s )  to obtain, use and store financial transactions ( \" Consumer Consent Transaction Data '' ) to add and maintain transactions ( e.g. addition of certain utility and mobile telecom bill payment history ) to your Experian credit file, and if you elect to use Financial Management Tools for XXXX to monitor and provide alerts and insights for your financial transactions for your own review ( if Financial Management Tools are made available to you ) ; and ( ii ) designate XXXX, and its service provider ( s ), including XXXX, as your agent ( s ), and have provided \" written instructions '' in accordance with the FCRA, to add and maintain information to your Experian credit file using Consumer Consent Transaction Data, and such information may be provided on your behalf by XXXX to the Experian Credit Bureau, and may be used and stored by the Experian Credit Bureau for any purposes lawfully permitted by the FCRA ( e.g. use in lending decisions of certain utility and mobile telecom bill  payment history added to your Experian credit file using Experian Boost ), and/or to the same extent as any other information furnished to the Experian Credit Bureau for inclusion in your Experian credit file. \n\n\n\nAMENDMENTS This Agreement may be updated from time to time. You should check this Website regularly for updates to this Agreement. Each time you order, access or use any of the Services or Websites, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement. Modifications take effect as soon as they are posted to this Website ( or any of the Websites, to the extent applicable to you ), delivered to you, or reasonably made available to you in writing by XXXX. However, no unilateral amendment will retroactively modify the parties ' agreed-to dispute resolution provisions of this Agreement for then-pending disputes, unless the parties expressly agree otherwise in writing. In all other respects, any modification or update to the arbitration provision shall be governed by subsection ( g ) of the Agreement 's \" Dispute Resolution By Binding Arbitration '' Section below. \n\n\n\nMODIFICATION OF SERVICES OR WEBSITES XXXX may, at its discretion, modify or discontinue any of the Services or Websites, or any portion thereof, with or without notice. You agree that XXXX  will not be liable to you, your minor children or any third party for any modification or discontinuance of any of the Service or Websites. \n\n\n\nGENERAL DESCRIPTION OF SERVICES The Services and Websites are meant to provide you a means to review your personal finance and/or credit information for educational purposes only, and to manage if and to the extent you so choose, and may notify you of credit opportunities and other products and services that may be available to you through XXXX or through third parties ( such as, among other things, advertisements or offers for available credit cards, loan options, financial products or services, or credit related products or services and other offers to Customers, the ability to track and collect certain consumer information specific to you, including but not limited to, credit score, loan and credit card monthly payment, total amount and interest rates ). The Services and Websites are meant for your personal use only. The Services and Websites may also provide you other third-party product information, such as the availability of loans and other financial products or services, or credit related products or services ( including credit repair or other credit education services ). This includes receiving offers free of charge for various credit or other financial products or services based upon your self-identified credit attributes ( and/or your consumer report or credit score ). These offers may also be generic and may not contain offers based on information specific to you. \n\n\n\nWe will identify those Services that are provided to you free of charge. Some of the Services ( including Experian XXXX XXXX, Experian XXXX, or Experian XXXX ) may require a fee at the time of Service purchase or enrollment, such as membership Services that require the payment of an ongoing fee for XXXX 's provision of such Services. By purchasing such Services and providing payment information, you represent that you are authorized to utilize the payment method presented and agree to pay the specified fee for paid Services, including any method offered or used through a mobile application. Furthermore, you agree and authorize us to, for time to time : ( i ) submit a transaction using the card information provided, ( ii ) in the case of automatic recurring transactions, submit a transaction on a recurring basis ( e.g., monthly or annual basis ) for membership renewals, ( iii ) if necessary, obtain updates from card issuers for cards provided to us, ( iv ) if necessary, bill you,  in a prorated manner ( as required ), in accordance with the particular fee terms for the Service you are purchasing or enrolling in, including if you are transitioning between free or paid Services ( or vice versa ), when a recurring basis transaction is at issue, and ( v ) if necessary ( and applicable ) bill your mobile carrier or others via a mobile application if you authorize us to do so. You may cancel your subscription or enrollment for an ongoing paid Service at any time by calling Customer Care or by using any other method specified on the Websites or in the customer membership center. \n\n\n\nFor the sake of clarity, if at any time while you have an account with XXXX, you decide to cancel your membership in a paid Service, you will be automatically enrolled in a free Service, as the cancellation of the paid Service will not cancel your account with XXXX unless you so indicate. To de-activate your account in its entirety and no longer receive the free Service, you must de-activate your account by contacting Customer Care ( or logging into your online account to deactivate your account, if available ) and expressly de-activating your account to no longer receive such free Service. In all events, your account with XXXX, ( including your access to and use of any Services ( whether free or paid ) and Websites, and regardless of whether you upgrade or downgrade any Services while maintaining your account ), shall be governed by this Agreement ( and the terms and conditions contained herein ). \n\n\n\nYou acknowledge and agree that XXXX ( including its Services and/or Websites ) has not and does not provide you ( or any minor child enrolled in a Service ) legal, tax, financial, or other advice ( including, without limitation, advice on how to improve or repair your credit or credit scores ), and that its Services and/or Websites are not designed or intended to provide any such advice. As discussed above, and for your convenience, we may provide links to various other third party websites that may be of interest to you. The third party offers or links that may be displayed on a Website are from third party companies from which XXXX  may receive compensation. Compensation may impact how, where or whether a third party product, service or link appears on a Website. There may be other offers generally available to you ( including those available in the marketplace ) that are not available to you on our Websites. XXXX  does not make any guarantee or imply approval for any particular offer or opportunity made on our Websites. Further, XXXX  does not represent, warrant or guarantee any level of potential savings or other benefit should you choose to apply for a particular offer. Any suggestion or representation of possible savings are for illustrative purposes only and may vary based on your individual financial circumstances and the terms made available to you by the applicable issuer or lender. XXXX disclaims all liability for any errors or omissions in any express or implied suggestions or representations related to possible savings made by XXXX or its marketing partners. For complete information on any particular offer, see the terms and conditions on the issuer or lender 's website. Once you click apply for any offers, you will be directed to the issuer or lender 's website where you may review the terms and conditions of the applicable opportunity or offer before applying. \n\n\n\nWhile XXXX  uses reasonable efforts to present the most accurate information, we show a summary to help you choose a third party service, not the full legal terms. XXXX does not control or endorse such websites and is not responsible for their content, nor is it responsible for the accuracy or reliability of any information, data, opinions, offers, advice, or statements contained within such websites, nor can XXXX guarantee your eligibility to take advantage of any of the information, data, opinions, offers, advice or statements contained within those websites. Please carefully read the terms and conditions or terms of use policies of any other third party company or website you may link to from our Websites. If you decide to access any of the third party sites linked to the Websites, you do so at your own risk. XXXX reserves the right to terminate any link or linking program at any time. XXXX disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such third party websites. \n\n\n\nACCOUNT WITH ECS ; USE OF THE SERVICES In consideration of your account with XXXX, and/or your order of, access to, and/or use of any Service or Website, you agree to provide true, accurate, complete and current information about yourself and any minor children you are enrolling, or have enrolled, in any Service, when prompted to do so by the registration and application forms or requested to do so by XXXX. If any information you provide is untrue, inaccurate or not current, or if XXXX has reasonable grounds to suspect that such information is untrue, inaccurate or not current, XXXX, at its sole discretion, has the right to suspend or terminate your account, or order of, use of, and/or access to, any Service or Website, and refuse all current or future orders of, use of, and/or access to, any Service or Website, or suspend or terminate any portion thereof. You acknowledge and agree that XXXX may, in its sole discretion, retain any information you provide to it or generated by XXXX   ( or its affiliates/suppliers ) while you have an account with XXXX, including any information about you ( or any minor child you are enrolling, when enrolling in any Service ) and any credit card or payment or other information obtained in connection with your account and/or the provision of any Service. If XXXX   does retain any such information, you acknowledge it is not obligated to retain that information for any specified period of time. \n\n\n\nDISPUTE RESOLUTION BY BINDING ARBITRATION PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS. \n\n\n\nSUMMARY : MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER 'S SATISFACTION BY CALLING XXXX 'S CUSTOMER CARE DEPARTMENT AT XXXX. IN THE UNLIKELY EVENT THAT XXXX 'S CUSTOMER CARE DEPARTMENT IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE REGARDING A SERVICE OR WEBSITE TO YOUR SATISFACTION ( OR IF XXXX HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY ), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS ; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. XXXX  WILL PAY ALL COSTS OF ARBITRATION, NO MATTER WHO WINS, SO LONG AS YOUR CLAIM IS NOT FRIVOLOUS. HOWEVER, IN ARBITRATION, BOTH YOU AND ECS WILL BE ENTITLED TO RECOVER ATTORNEYS ' FEES FROM THE OTHER PARTY TO THE SAME EXTENT AS YOU WOULD BE IN COURT. \n\n\n\nArbitration Agreement : ( a ) XXXX and you agree to arbitrate all disputes and claims between us arising out of this Agreement directly related to the Services or Websites to the maximum extent permitted by law, except any disputes or claims which under governing law are not subject to arbitration. This agreement to arbitrate is intended to be broadly interpreted and to make all disputes and claims between us directly relating to the provision of any Service and/or your use of any Website subject to arbitration to the fullest extent permitted by law.. The agreement to arbitrate includes, but is not limited to : claims arising out of or relating to any aspect of the relationship between us arising out of any Service or Website, whether based in contract, tort, statute ( including, without limitation, the Credit Repair Organizations Act ) fraud, misrepresentation or any other legal theory ; claims that arose before this or any prior Agreement ( including, but not limited to, claims relating to advertising ) ; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class ; and claims that may arise after the termination of this Agreement. \n\n\n\nFor purposes of this arbitration provision, references to \" XXXX, '' \" you, '' and \" us '' shall include our respective parent entities, subsidiaries, affiliates ( including, without limitation, our service provider, XXXX ), agents, employees, predecessors in interest, successors and assigns, websites of the foregoing, as well as all authorized or unauthorized users or beneficiaries of Services and/or Websites or information under this or prior Agreements between us relating to Services and/or Websites. Notwithstanding the foregoing, either party may bring an individual action in small claims court. You agree that, by entering into this Agreement, you and XXXX are each waiving the right to a trial by jury or to participate in a class action to the maximum extent permitted by law. This Agreement evidences a transaction in interstate commerce, and thus the XXXX XXXX XXXX governs the interpretation and enforcement of this arbitration provision. This arbitration provision shall survive termination of this Agreement.\n\n( b ) A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ( \" Notice '' ). The Notice to XXXX  should be addressed to : General Counsel, Experian, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( \" Notice Address '' ). The Notice must describe the nature and basis of the claim or dispute and set forth the specific relief you seek from XXXX ( \" Demand '' ). If XXXX and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or XXXX may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by XXXX or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or XXXX is entitled. \n\n\n\nYou may obtain more information about arbitration from www.adr.org. \n\n\n\n( c ) After XXXX  receives notice at the Notice Address that you have commenced arbitration, it will promptly reimburse you for your payment of the filing fee. ( The filing fee currently is {$200.00} for claims under {$10000.00}, but is subject to change by the arbitration provider. If you are unable to pay this fee, XXXX will pay it directly upon receiving a written request at the Notice Address. ) The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes ( collectively, \" XXXX Rules '' ) of the XXXX XXXX XXXX ( \" XXXX '' ), as modified by this Agreement, and will be administered by the XXXX. If the XXXX is unavailable or refuses to arbitrate the parties ' dispute for any reason, the arbitration shall be administered and conducted by a widely-recognized arbitration organization that is mutually agreeable to the parties, but neither party shall unreasonably withhold their consent. If the parties can not agree to a mutually agreeable arbitration organization, one shall be appointed pursuant to Section 5 of the XXXX XXXX XXXX. In all events, the XXXX Rules shall govern the parties ' dispute. The XXXX Rules are available online at www.adr.org, by calling the XXXX at XXXX, or by writing to the Notice Address. The XXXX Rules may change from time to time, and you should review them periodically. \n\n\n\nAll issues are for the arbitrator to decide, including the scope and enforceability of this arbitration provision as well as the Agreement 's other terms and conditions, and the arbitrator shall have exclusive authority to resolve any such dispute relating to the scope and enforceability of this arbitration provision or any other term of this Agreement including, but not limited to any claim that all or any part of this arbitration provision or Agreement is void or voidable. However if putative class or representative claims are initially brought by either party in a court of law, and a motion to compel arbitration is brought by any party, then the court shall have the power to decide whether this agreement permits class or representative proceedings. The arbitrator shall be bound by the terms of this Agreement and shall follow the applicable law. In this regard, the arbitrator shall not have the power to commit errors of law or legal reasoning, and any award rendered by the arbitrator that employs an error of law or legal reasoning may be vacated or corrected by a court of competent jurisdiction for any such error. Unless XXXX and you agree otherwise, any arbitration hearings will take place in the county ( or parish ) of your billing address. If your claim is for {$10000.00} or less, we agree that you may choose whether the final arbitration hearing will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the XXXX Rules. If your claim exceeds {$10000.00}, the right to a hearing will be determined by the XXXX Rules. Except as otherwise provided for herein, XXXX will pay all XXXX filing, administration and arbitrator fees for any arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose ( as measured by the standards set forth in Federal Rule of Civil Procedure 11 ( b ) ), then the payment of all such fees will be governed by the XXXX Rules. In such case, you agree to reimburse XXXX for all monies previously disbursed by it that are otherwise your obligation to pay under the XXXX Rules. \n\n\n\n( d ) The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees and expenses at any time during the proceeding or in the final award, pursuant to applicable law and the XXXX Rules. \n\n\n\n( e ) Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the XXXX Rules. \n\n\n\n( f ) YOU AND ECS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and XXXX   agree otherwise, the arbitrator may not consolidate more than one person 's claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party 's individual claim. If this specific subparagraph ( f ) is found to be unenforceable in its entirety, then the entirety of this arbitration provision shall be null and void. However, if only a portion of this subparagraph ( f ) is found to be unenforceable, then the unenforceable portion of the provision shall be stricken, and the remainder of subparagraph ( f ) enforced. Any claims not subject to individual arbitration under applicable law shall be stayed in a court of competent jurisdiction pending completion of the individual arbitration. \n\n\n\n( g ) Notwithstanding any provision in this Agreement to the contrary, we agree that if XXXX makes any change to this arbitration provision ( other than a change to the Notice Address ) during your membership in any Service, including credit monitoring, or subsequent to your purchase of any Service, you may reject any such change and require XXXX to adhere to the language in this provision as written at the time of your enrollment or purchase if a dispute between us arises regarding such Service by providing Notice to XXXX at the Notice Address above prior to initiating your dispute. \n\n\n\nFCRA DISCLOSURES The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company","date_sent_to_company":"2019-04-19T17:26:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60134","tags":null,"has_narrative":true,"complaint_id":"3217398","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-04-19T17:16:27.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["<em>monitoring</em>, alerts for, among <em>other</em> things, dormant accounts, new accounts, inquiries, <em>other</em> changes to information contained in your <em>credit</em> <em>report</em>, fraud resolution, or card registry products."],"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"]},"sort":[10.335318,"3217398"]},{"_index":"complaint-public-v1","_id":"5234013","_score":9.591012,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a credit card with XXXX XXXX as well as other banking accounts. I have always had no sharing of information, as is required under XXXX Law, for many years with XXXX XXXX, I have no selling Opt out with Equifax, as I had identity theft prior. I have NO IDEA WHO THE THIRD PARTY IS.. \n\nThey will not provide the credit information or not let me access it, as is stated today on my account. Unless I agree to their outrageous terms. \nThey State the Following We've made enhancements to help you better understand, monitor, and take action on your credit score. You'll need to agree to the updated terms and conditions and reenroll to keep using this service. \n\nFollowing is what they want me to sign, violates all California allowed requirements. I just want like I have always had my Fico score from their provider XXXX and NOT FORCING me to have information shared for marketing purposes or my Fico score shared with anyone but me and XXXX XXXX. I do not want people being allowed to market to me call me at XXXX in the morning. Should quite simply not be allowed, I do not want my information shared with your affiliates to include MY FiCO score they State. \n\nI have filed a complaint with XXXX XXXX directly about this matter, and that complaint number is XXXX # XXXX. \nXXXX XXXX XXXX XXXX XXXX Addendum XXXX the XXXX XXXX XXXX Access Agreement Effective as of XX/XX/2021 This Addendum ( \" Addendum '' ) and the XXXX XXXX Online Access Agreement ( \" OAA '' ) contain the terms and conditions governing your use of the Credit Close-UpSM service. If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the OAA. If there is a conflict between this Addendum and the OAA, this Addendum will control with regard to the Credit Close-UpSM service.\n\nPlease read this Addendum carefully. By agreeing to this Addendum, or by accessing or using the Credit Close-UpSM service, you are agreeing to the terms and conditions of this Addendum and the OAA. This Addendum and the OAA include, among other things : your consent to XXXX XXXX accessing and using your consumer report your consent to XXXX XXXX sharing information in your consumer report with its affiliates our obligations to you your obligations as a user of the XXXX XXXX XXXX XXXX agreement to use binding arbitration, and to waive the right to a trial by jury, for most disputes with XXXX, XXXX, and us arising under this Addendum or relating to the Credit Close-UpSM service your waiver of class-action rights limitations on liability to you Your agreement to this Addendum is essential to our agreement to provide the Credit Close-UpSM service to you. If this Addendum is unacceptable to you at any time, you should terminate your enrollment in the Credit Close-UpSM service.\n\n1. Definitions Except as otherwise provided in this Addendum, terms defined in the OAA have the same meaning in this Addendum. In addition, in this Addendum : \" CSIdentity '' refers to XXXX XXXX, an XXXX XXXX provider that facilitates our provision of the Credit Close-UpSM service to you. \n\" XXXX '' refers to XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency. \n\" FICO Scores '' refers credit scores created by XXXX XXXX XXXX \" We, '' \" XXXX, '' \" Our, '' and \" XXXX XXXX '' refer to XXXX XXXX XXXX XXXX. \n\" You '' and \" your '' refer to you as the person entering into this Addendum. \nXXXX. Eligibility To enroll in the Credit Close-UpSM service, you must be a XXXX XXXX account holder enrolled in XXXX XXXX XXXX XXXX a resident of the United States ( or a United States territory ), and at least XXXX years old. FICO Scores will be delivered only to the XXXX XXXX account holder and only if a FICO Score is available for the XXXX XXXX account holder. In some circumstances, such as if your account is closed, charged-off, or recently-opened, or if we are unable to verify your identity, you may not be eligible to receive a FICO Score through the XXXX XXXX XXXX. \n\nXXXX. Authorization to obtain consumer report and credit score By enrolling in the XXXX XXXX  service and agreeing to this Addendum, you are providing XXXX XXXX and its service providers, including CSIdentity, with \" written instructions '' in accordance with the federal Fair Credit Reporting Act and any other applicable laws to access and use consumer report information about you from XXXX or more consumer reporting agencies. You authorize us to access and use this information, including your FICO Score, to present you with an overview of your credit profile, to present you with credit and financial guidance, to offer products and services that may be of interest to you, for internal analytics, and for other purposes related to your relationship with us. In connection with the Credit Close-UpSM service, we may use your Social Security number to access your consumer report and to verify your identity. \n\nObtaining your FICO Score through the XXXX XXXX service results in a soft credit inquiry on your credit report. This soft credit inquiry does not affect your FICO Score. \n\nXXXX. Consent to affiliate sharing of consumer report and credit score information By enrolling in the XXXX XXXX service and agreeing to this Addendum, you consent to us sharing the consumer report information that we obtain about you in connection with the XXXX XXXX service, including your FICO Score, with our affiliates. As outlined in our Privacy Policy, you may limit our sharing of some information about you with our affiliates. Please note, however, that limiting our sharing of information about you with our affiliates consistent with our Privacy Policy will not terminate your enrollment in the XXXX XXXX service or revoke your consent to share the consumer report information we obtain about you in connection with the XXXX XXXX service with our affiliates. You must terminate your enrollment in the XXXX XXXX service if you want us to stop obtaining new consumer report information about you in connection with the XXXX XXXX service. \n\nXXXX. FICO Credit Score The FICO Score presented to you through the Credit Close-UpSM service is for your educational, non-commercial, and personal benefit and use only. The FICO Score presented to you may not be the credit score we use to make account opening or credit decisions, and we may use other FICO Scores and other information to review an application for a credit or deposit account.\n\nYour FICO Score reflects a general snapshot of your credit profile at a specific point in time, and it can vary from month to month. The credit file used to create your FICO Score is updated continuously, and the FICO Score presented to you through the XXXX XXXX service may not reflect the most current data in your credit file. \n\nXXXX. XXXX agreement and class-action waiver Please read this section carefully as it affects your rights. \n\nThe XXXX XXXX  service is part of XXXX XXXX XXXX and subject to the OAA, and with regard to XXXX XXXX XXXX XXXX OAA governs XXXX arbitration of any disputes relating in any way to this Addendum or the XXXX XXXX service. \n\nBy enrolling in the XXXX XXXX service and agreeing this Addendum, and pursuant to the Federal Arbitration Act, you also agree that any dispute between you and XXXX or its service provider, XXXX, relating in any way to the XXXX XXXX service or this Addendum will, at your election or at the election of XXXX or XXXX, be resolved through binding arbitration and not through litigation in any court of general jurisdiction. ( XXXX and XXXX will not seek to arbitrate any claim filed by you in small claims court so long as the claim is asserted only on an individual basis and pending only in small claims court. ) Binding arbitration of any dispute between you and XXXX or XXXX relating in any way to the XXXX XXXX service or this Addendum will be administered by the XXXX XXXX XXXX XXXX XXXX XXXX '' ) under its rules for consumer arbitrations, and you may contact the XXXX to XXXX arbitration or to obtain more information about arbitration. \n\nYou agree that this agreement to arbitrate disputes between you and XXXX or XXXX should be construed broadly, and you agree that any dispute between you and XXXX or XXXX regarding the arbitrability of any claim relating in any way to the XXXX XXXX  service or this Addendum will also be decided through binding arbitration. You agree that this agreement to arbitrate disputes between you and XXXX or XXXX encompasses, not only claims by you against XXXX and XXXX, but also claims by you against XXXX 's or XXXX 's affiliates and service-providers relating in any way to the XXXX XXXX service or this Addendum. Any disputes or claims against XXXX or XXXX relating to your credit report or arising out of the federal Fair Credit Reporting Act ( or its state law equivalents ) are not, however, subject to this arbitration agreement. \n\nAt your request, XXXX or XXXX will promptly reimburse you for your payment of any arbitration filing fee. If you are unable to pay an arbitration filing fee, XXXX or XXXX will pay the fee directly after receiving a written request from you. XXXX or XXXX will pay all arbitration costs associated with the arbitration of any nonfrivolous dispute between you and XXXX or XXXX relating in any way to the XXXX XXXX service or this Addendum. Moreover, you, XXXX, and XXXX will be entitled to recover attorneys fees from each other in arbitration to the same extent you, XXXX, and XXXX would be able to recover attorneys fees in court. \n\nArbitration of any dispute between you and XXXX or XXXX relating in any way to the XXXX XXXX service or this Addendum will be governed by the Federal Arbitration Act. The arbitrator of any such dispute will apply all applicable laws, including statutes of limitations, and privileges to the arbitration, but the arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to discovery or evidence. Subject to the limitations on arbitration set forth below, the arbitrator may award any relief available in court, and judgment may be entered on any such arbitration award in any court with appropriate jurisdiction. \n\nYou agree that, by enrolling in the XXXX XXXX service, and agreeing to this addendum, you, XXXX, and CSIdentity are each waiving the right to resolve any dispute relating in any way to the XXXX XXXX service or this addendum through a jury trial. You also agree that you, XXXX, and XXXX XXXX assert claims relating in any way to the XXXX XXXX service or this addendum on an individual basis only, and you waive any ability you may have to assert claims relating in any way to the XXXX XXXX service or to this addendum as a plaintiff or class member in any purported class or other representative proceeding. \n\nYou agree that, if you, XXXX, or XXXX elect to resolve a dispute relating in any way to the XXXX XXXX service or this Addendum through binding arbitration, the dispute will be arbitrated on an individual basis only. Disputes between you, XXXX, or XXXX  relating in any way to the XXXX XXXX service or this Addendum representative capacity on behalf of the general public or other persons similarly-situated. The arbitrators authority is limited to disputes between you, XXXX, and XXXX alone. Claims may not be consolidated or joined in arbitration unless, you, XXXX, and XXXX agree otherwise in writing, and an arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking it and only to the extent necessary to provide relief warranted by the partys individual claim. An arbitration award and any judgment confirming it will apply only to that specific case and can not be used in any other case except to enforce an arbitration award. If any portion of the foregoing limitations on arbitration is invalid or unenforceable, then this agreement to arbitrate disputes between you, XXXX, and XXXX relating to the XXXX XXXX service or this Addendum ( other than this sentence ) will be null and void. \n\nThis section of this Addendum will survive termination of your enrollment in the XXXX XXXX service. Except as provided above in relation to limitations on arbitration, a finding that any provision of this section this Addendum is invalid or unenforceable will not affect the validity or enforceability of any other provision of this section of this Addendum. \n\nXXXX. Limitation of liability By enrolling in the XXXX XXXX service and agreeing to this Addendum, you agree that XXXX XXXX XXXX XXXX, and XXXX, are not liable to you for any damages, injuries, or losses arising from or relating to the XXXX XXXX service. You further agree that your use of the XXXX XXXX service is at your sole risk and that the XXXX XXXX XXXX, including all content and information available through the XXXX XXXX XXXX, is provided to you on an \" as is '' basis and subject to change at any time without notice to you. \n\nXXXX. No warranties XXXX XXXX, XXXX, and XXXX  are not responsible for any delay or failure to obtain a FICO Score for you, and you acknowledge that XXXX XXXX, XXXX, and CSIdentity make no warranty that the Credit Close-UpSM service will be uninterrupted, secure, or error-free. XXXX XXXX, XXXX, and XXXX expressly disclaim all warranties, representations, and conditions of any kind relating in any way to the XXXX XXXX service or to any content or information available through the XXXX XXXX XXXX. \n\nXXXX. Indemnification By enrolling in the XXXX XXXX service and agreeing to this Addendum, you agree to defend, hold harmless, and indemnify, XXXX XXXX XXXX XXXX, and XXXX from and against all claims, damages, expenses, liabilities, and losses ( including attorneys ' fees ) arising out of, relating to, or resulting from your violation of this Addendum or your misuse of the XXXX XXXX XXXX. \n\nXXXX. New features We may, from time to time, introduce new features to the XXXX XXXX XXXX. Similarly, we may modify or discontinue existing features. By accessing or using any new or modified features, you agree to be bound by the terms and conditions governing those features. \n\nXXXX. Termination of enrollment You may terminate your enrollment in the XXXX XXXXXXXX XXXX  at any time by selecting the opt-out link within the XXXX XXXX XXXX. You agree that you will opt-out of the XXXX XXXX XXXX  if you want us to stop obtaining new consumer report information about you in connection with the XXXX XXXX XXXX or if you no longer want to receive communications about the XXXX XXXX XXXX. \n\nWe may restrict, suspend, or terminate your enrollment in the XXXX XXXX XXXX  at any time and for any reason without prior notice. \n\nXXXX. XXXX XXXX account information Any XXXX XXXX account information provided to you through the XXXX XXXX XXXX is not the official record of your account or its activity. Your XXXX XXXX account statements, furnished to you in a paper format ( or electronically if you are enrolled in paperless statements service ), are the official record of your account and your account activity. \n\nXXXX Credit repair disclaimer Neither XXXX XXXX XXXX Fair XXXX XXXX XXXX credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Neither XXXX XXXX nor XXXX XXXX XXXX provide \" credit repair '' services or advice or assistance regarding \" rebuilding '' or \" improving '' your credit history, credit rating, or credit record. \n\nXXXX. Trademark information FICO is a registered trademark of XXXX XXXX XXXX in the United States and other countries. \n\n2021 XXXX XXXXXXXX XXXX  XXXX. All rights reserved. Some content provided by FICO, which is XXXX XXXXXXXX XXXX XXXX. All rights reserved.","date_sent_to_company":"2022-02-17T23:34:54.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"913XX","tags":null,"has_narrative":true,"complaint_id":"5234013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-02-17T23:34:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Authorization to obtain <em>consumer</em> <em>report</em> and <em>credit</em> score By enrolling in the XXXX XXXX  service and agreeing to this Addendum, you are providing XXXX XXXX and its service providers, including CSIdentity, with \" written instructions '' in accordance with the federal Fair <em>Credit</em> <em>Reporting</em> Act and any <em>other</em> applicable laws to access and use <em>consumer</em> <em>report</em> information about you from XXXX or more <em>consumer</em> <em>reporting</em> agencies."],"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":["Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[9.591012,"5234013"]},{"_index":"complaint-public-v1","_id":"5234012","_score":9.313308,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a credit card with Wells Fargo as well as other banking accounts. I have always had no sharing of information, as is required under California Law, for many years with Wells Fargo, I have no selling Opt out with XXXX, as I had identity theft prior. I have NO IDEA WHO THE THIRD PARTY IS.. \n\nThey will not provide the credit information or not let me access it, as is stated today on my account. Unless I agree to their outrageous terms. \nThey State the Following We've made enhancements to help you better understand, monitor, and take action on your credit score. You'll need to agree to the updated terms and conditions and reenroll to keep using this service. \n\nFollowing is what they want me to sign, violates all California allowed requirements. I just want like I have always had my XXXX  score from their provider XXXX and NOT FORCING me to have information shared for marketing purposes or my XXXX  score shared with anyone but me and Wells Fargo. I do not want people being allowed to market to me call me at XXXX in the morning. Should quite simply not be allowed, I do not want my information shared with your affiliates to include MY XXXX  score they State. \n\nI have filed a complaint with Wells Fargo directly about this matter, and that complaint number is Case # XXXX. \nWells Fargo XXXX XXXX XXXX Addendum to the Wells Fargo Online Access Agreement Effective as of XX/XX/2021 This XXXX  ( \" XXXX  '' ) and the Wells Fargo XXXX XXXX XXXX ( \" XXXX  '' ) contain the terms and conditions governing your use of the Credit Close-UpSM service. If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the XXXX. If there is a conflict between this Addendum and the XXXX, this Addendum will control with regard to the Credit Close-UpSM service.\n\nPlease read this Addendum carefully. By agreeing to this Addendum, or by accessing or using the Credit Close-UpSM service, you are agreeing to the terms and conditions of this XXXX  and the XXXX. This Addendum and the XXXX  include, among other things : your consent to Wells Fargo accessing and using your consumer report your consent to Wells Fargo sharing information in your consumer report with its affiliates our obligations to you your obligations as a user of the Credit Close-UpSM service your agreement to use binding arbitration, and to waive the right to a trial by jury, for most disputes with XXXX, XXXX, and us arising under this Addendum or relating to the Credit Close-UpSM service your waiver of class-action rights limitations on liability to you Your agreement to this Addendum is essential to our agreement to provide the Credit Close-UpSM service to you. If this Addendum is unacceptable to you at any time, you should terminate your enrollment in the Credit Close-UpSM service. \n\n1. Definitions Except as otherwise provided in this Addendum, terms defined in the XXXX  have the same meaning in this Addendum. In addition, in this Addendum : \" XXXX '' refers to XXXX XXXX, an XXXX service provider that facilitates our provision of the Credit Close-UpSM service to you. \n\" XXXX '' refers to XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency. \n\" XXXX Scores '' refers credit scores created by XXXX XXXX XXXX \" We, '' \" Us, '' \" Our, '' and \" Wells Fargo '' refer to Wells Fargo Bank, XXXX \n\" You '' and \" your '' refer to you as the person entering into this Addendum. \n2. Eligibility To enroll in the Credit Close-UpSM service, you must be a Wells Fargo account holder enrolled in Wells Fargo Online , a resident of the United States ( or a United States territory ), and at least XXXX XXXX XXXX. XXXX Scores will be delivered only to the Wells Fargo account holder and only if a XXXX Score is available for the Wells Fargo account holder. In some circumstances, such as if your account is closed, charged-off, or recently-opened, or if we are unable to verify your identity, you may not be eligible to receive a XXXX  Score through the Credit Close-UpSM service.\n\n3. Authorization to obtain consumer report and credit score By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you are providing Wells Fargo and its service providers, including XXXX, with \" written instructions '' in accordance with the federal Fair Credit Reporting Act and any other applicable laws to access and use consumer report information about you from one or more consumer reporting agencies. You authorize us to access and use this information, including your XXXX  Score, to present you with an overview of your credit profile, to present you with credit and financial guidance, to offer products and services that may be of interest to you, for internal analytics, and for other purposes related to your relationship with us. In connection with the Credit Close-UpSM service, we may use your Social Security number to access your consumer report and to verify your identity. \n\nObtaining your XXXX  Score through the Credit Close-UpSM service results in a soft credit inquiry on your credit report. This soft credit inquiry does not affect your XXXX  Score. \n\n4. Consent to affiliate sharing of consumer report and credit score information By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you consent to us sharing the consumer report information that we obtain about you in connection with the Credit Close-UpSM service, including your XXXX Score, with our affiliates. As outlined in our Privacy Policy, you may limit our sharing of some information about you with our affiliates. Please note, however, that limiting our sharing of information about you with our affiliates consistent with our Privacy Policy will not terminate your enrollment in the Credit Close-UpSM service or revoke your consent to share the consumer report information we obtain about you in connection with the Credit Close-UpSM service with our affiliates. You must terminate your enrollment in the Credit Close-UpSM service if you want us to stop obtaining new consumer report information about you in connection with the Credit Close-UpSM service. \n\n5. XXXX Credit Score The XXXX Score presented to you through the Credit Close-UpSM service is for your educational, non-commercial, and personal benefit and use only. The XXXX  Score presented to you may not be the credit score we use to make account opening or credit decisions, and we may use other XXXX Scores and other information to review an application for a credit or deposit account. \n\nYour XXXX  Score reflects a general snapshot of your credit profile at a specific point in time, and it can vary from month to month. The credit file used to create your XXXX  Score is updated continuously, and the XXXX  Score presented to you through the Credit Close-UpSM service may not reflect the most current data in your credit file. \n\n6. XXXX agreement and class-action waiver Please read this section carefully as it affects your rights. \n\nThe Credit Close-UpSM service is part of Wells Fargo Online and subject to the XXXX, and with regard to Wells Fargo , the XXXX  governs the arbitration of any disputes relating in any way to this Addendum or the Credit Close-UpSM service. \n\nBy enrolling in the Credit Close-UpSM service and agreeing this Addendum, and pursuant to the Federal Arbitration Act, you also agree that any dispute between you and XXXX or its service providerXXXX XXXX relating in any way to the Credit Close-UpSM service or this Addendum will, at your election or at the election of XXXX or XXXX, be resolved through binding arbitration and not through litigation in any court of general jurisdiction. ( XXXX and XXXX will not seek to arbitrate any claim filed by you in small claims court so long as the claim is asserted only on an individual basis and pending only in small claims court. ) Binding arbitration of any dispute between you and XXXX or XXXX relating in any way to the Credit Close-UpSM service or this Addendum will be administered by the XXXX XXXX XXXX ( XXXX XXXX '' ) under its rules for consumer arbitrations, and you may contact the XXXX  to initiate arbitration or to obtain more information about arbitration. \n\nYou agree that this agreement to arbitrate disputes between you and XXXX or XXXX should be construed broadly, and you agree that any dispute between you and XXXX or XXXX regarding the arbitrability of any claim relating in any way to the Credit Close-UpSM service or this Addendum will also be decided through binding arbitration. You agree that this agreement to arbitrate disputes between you and XXXX or XXXX encompasses, not only claims by you against XXXX and XXXX, but also claims by you against XXXX 's or XXXX 's affiliates and service-providers relating in any way to the Credit Close-UpSM service or this Addendum. Any disputes or claims against XXXX or XXXX relating to your credit report or arising out of the federal Fair Credit Reporting Act ( or its state law equivalents ) are not, however, subject to this arbitration agreement. \n\nAt your request, XXXX or XXXX will promptly reimburse you for your payment of any arbitration filing fee. If you are unable to pay an arbitration filing fee, XXXX or XXXX will pay the fee directly after receiving a written request from you. XXXX or XXXX will pay all arbitration costs associated with the arbitration of any nonfrivolous dispute between you and XXXX or XXXX relating in any way to the Credit Close-UpSM service or this Addendum. Moreover, you, XXXX, and XXXX will be entitled to recover attorneys fees from each other in arbitration to the same extent you, XXXX, and XXXX would be able to recover attorneys fees in court. \n\nArbitration of any dispute between you and XXXX or XXXX relating in any way to the Credit Close-UpSM service or this Addendum will be governed by the Federal Arbitration Act. The arbitrator of any such dispute will apply all applicable laws, including statutes of limitations, and privileges to the arbitration, but the arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to discovery or evidence. Subject to the limitations on arbitration set forth below, the arbitrator may award any relief available in court, and judgment may be entered on any such arbitration award in any court with appropriate jurisdiction. \n\nYou agree that, by enrolling in the Credit Close-UpSM service, and agreeing to this addendum, you, XXXX, and XXXX are each waiving the right to resolve any dispute relating in any way to the Credit Close-UpSM service or this addendum through a jury trial. You also agree that you, XXXX, and XXXX may assert claims relating in any way to the Credit Close-UpSM service or this addendum on an individual basis only, and you waive any ability you may have to assert claims relating in any way to the Credit Close-UpSM service or to this addendum as a plaintiff or class member in any purported class or other representative proceeding. \n\nYou agree that, if you, XXXX, or XXXX elect to resolve a dispute relating in any way to the Credit Close-UpSM service or this Addendum through binding arbitration, the dispute will be arbitrated on an individual basis only. Disputes between you, XXXX, or XXXX relating in any way to the Credit Close-UpSM service or this Addendum representative capacity on behalf of the general public or other persons similarly-situated. The arbitrators authority is limited to disputes between you, XXXX, and XXXX alone. Claims may not be consolidated or joined in arbitration unless, you, XXXX, and XXXX agree otherwise in writing, and an arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking it and only to the extent necessary to provide relief warranted by the partys individual claim. An arbitration award and any judgment confirming it will apply only to that specific case and can not be used in any other case except to enforce an arbitration award. If any portion of the foregoing limitations on arbitration is invalid or unenforceable, then this agreement to arbitrate disputes between you, XXXX, and XXXX relating to the Credit Close-UpSM service or this Addendum ( other than this sentence ) will be null and void. \n\nThis section of this Addendum will survive termination of your enrollment in the Credit Close-UpSM service. Except as provided above in relation to limitations on arbitration, a finding that any provision of this section this Addendum is invalid or unenforceable will not affect the validity or enforceability of any other provision of this section of this Addendum. \n\n7. Limitation of liability By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you agree that Wells Fargo XXXX XXXX, and XXXX, are not liable to you for any damages, injuries, or losses arising from or relating to the Credit Close-UpSM service. You further agree that your use of the Credit Close-UpSM service is at your sole risk and that the Credit Close-UpSM service, including all content and information available through the Credit Close-UpSM service, is provided to you on an \" as is '' basis and subject to change at any time without notice to you. \n\n8. No warranties Wells Fargo, XXXX, and XXXX  are not responsible for any delay or failure to obtain a XXXX Score for you, and you acknowledge that Wells Fargo, XXXX, and XXXX  make no warranty that the Credit Close-UpSM service will be uninterrupted, secure, or error-free. Wells Fargo, XXXX, and XXXX  expressly disclaim all warranties, representations, and conditions of any kind relating in any way to the Credit Close-UpSM service or to any content or information available through the Credit Close-UpSM service. \n\n9. Indemnification By enrolling in the Credit Close-UpSM service and agreeing to this Addendum, you agree to defend, hold harmless, and indemnify, Wells Fargo XXXX XXXX, and XXXX  from and against all claims, damages, expenses, liabilities, and losses ( including attorneys ' fees ) arising out of, relating to, or resulting from your violation of this Addendum or your misuse of the Credit Close-UpSM service. \n\n10. New features We may, from time to time, introduce new features to the Credit Close-UpSM service. Similarly, we may modify or discontinue existing features. By accessing or using any new or modified features, you agree to be bound by the terms and conditions governing those features.\n\n11. Termination of enrollment You may terminate your enrollment in the Credit Close-UpSM service at any time by selecting the opt-out link within the Credit Close-UpSM service. You agree that you will opt-out of the Credit Close-UpSM service if you want us to stop obtaining new consumer report information about you in connection with the Credit Close-UpSM service or if you no longer want to receive communications about the Credit Close-UpSM service. \n\nWe may restrict, suspend, or terminate your enrollment in the Credit Close-UpSM service at any time and for any reason without prior notice.\n\n12. Wells Fargo account information Any Wells Fargo account information provided to you through the Credit Close-UpSM service is not the official record of your account or its activity. Your Wells Fargo account statements, furnished to you in a paper format ( or electronically if you are enrolled in paperless statements service ), are the official record of your account and your account activity.\n\n13. Credit repair disclaimer Neither Wells Fargo nor Fair Isaac Corporation are credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Neither Wells Fargo nor Fair Isaac Corporation provide \" credit repair '' services or advice or assistance regarding \" rebuilding '' or \" improving '' your credit history, credit rating, or credit record. \n\n14. Trademark information XXXX is a registered trademark of Fair Isaac Corporation in the United States and other countries.\n\n2021 Wells Fargo Bank, XXXX All rights reserved. Some content provided by XXXX, which is 2021 XXXX XXXX XXXX. All rights reserved.","date_sent_to_company":"2022-02-17T23:34:38.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"913XX","tags":null,"has_narrative":true,"complaint_id":"5234012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-02-17T22:31:13.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Authorization to obtain <em>consumer</em> <em>report</em> and <em>credit</em> score By enrolling in the <em>Credit</em> Close-UpSM service and agreeing to this Addendum, you are providing Wells Fargo and its service providers, including XXXX, with \" written instructions '' in accordance with the federal Fair <em>Credit</em> <em>Reporting</em> Act and any <em>other</em> applicable laws to access and use <em>consumer</em> <em>report</em> information about you from one or more <em>consumer</em> <em>reporting</em> agencies."],"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":["Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Other</em> problem getting your <em>report</em> or <em>credit</em> score"]},"sort":[9.313308,"5234012"]},{"_index":"complaint-public-v1","_id":"3565910","_score":9.140542,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hi, My name is XXXX XXXX & I submitted a complaint regarding Experian on XX/XX/2020. The choices arent that cut and dry as I dont and have not only had one issue so it doesnt fall under one drop down category. I am submitting this in addition to my first one because when submitting my first one ( only one until this ) I could not attach all files. I have more to attach but also the choice isnt exactly there. No one has been working on this, getting back to me, all of the issues with one minute it states welcome back next states create an account and pay, next lets me log in through their regular site yet I get notifications from their portal alerting me of things and two solid months have been the most ever and I can not log in to view therefore I havent been able to address one thing. Not one thing and there are legitimate things on my credit report that are fraudulent, never should be there, dates are wrong for reporting, I call and they say they dont know what fast mail is when I reset my password, they said my account was locked and then frozen and I said you need to be able to help me as those are not the same things and placing a freeze has nothing to do with me viewing my credit report and logging in and so much more. \n\nEvery avenue I have taken has hindered me and / or gave me incorrect information. They should not answer these calls of thats the case. Credit is huge and critical especially when trying to get a car and have never had them flat out decline me. Time is of the essence and how is a person suppose to call all day long daily? There is not just one number and sadly ( one of the other reasons Im submitting this addition ) is because they gave me an email address and I took the time to write and write and Ive written so much this is not right or fair to do to a person. This company has a serious issue and what is concerning is that they have been selected to monitor other ones data breaches. I will in fact take that further now that I see this. The general population thinks XXXX  and XXXX  has issues well these people have serious issues especially when they can not tell me what the issue is with my account. I was able to file 3 sentence dispute on my online account and get notified its complete and literally in 2 days but I cant see it and no one will tell me. How can I move forward? I cant. \n\n\nBelow is my complaint I submitted that I referenced here. Further down I have added more detail and attaching what I couldnt. I have spent more time on screen shots and emails and calls and have put my life on hold and this is not fair. I am getting collection calls suddenly from a place I never have and now its showing on my credit report. I have more things showing as well. Its too much. An email I just got after submitting this to you on XX/XX/2020 ironically gets replied back to me today XX/XX/2020 and the reply is not acceptable. I wrote XXXX two emails explaining why Im contacting them and the reply is pawning me off to the same number. Unreal. What is this email address for then? They need to respect and answer that. I called again because this is serious and my credit does have issues however a lot are not accurate and affecting my score in addition to the comments and being there at all. Are they robots? Im confused? Does XXXX XXXX for example state they are going to correct my incorrect reporting for 7 months and then I read along the lines of resolved after customer or consumer disputes? Those are not the exact words but whatever it is is not accurate so do they just type in what wells in this case writes? I do not know how it works. I do not see how a consumer with a legitimate issue has like 100 letters to write. That is not ever going to tell the situation. I would never do this to myself if this was a problem. Ever. So the choice was problem with credit reporting company investigation wasnt the case but it wasnt any others either. I selected incorrect info like address or fraud but I am not dishonest and no idea if any is fraud. I also forgot ( there is so much its too much to even keep a handle on ) I have perfect payment with my cell which Ive been with XXXX for 23 years, all utility bills etc., when I saw Boost I thought what a great idea and I always thought about how much random and wrong information there is and for example it says I work at XXXX XXXX and XXXX XXXX and those dont even exist or ever have or know what that is and why in the world that would be there so relative a positive information other then credit card, house and car basically are there. I have gone through a horrible horrible two years and I read removing things like that dont make a difference so Im not going to put my energy and efforts there. I would be concerned anyway how it would get fixed and strange comments. Its like I have owned 4 homes and sold them all and never missed a mortgage payment but that solid and serious solid detail falls off and homes are so important and all of my cars payment history have been close to perfect but these last few years. So that Experian boost didnt work. It said free and wasnt free and I sat there and filled out so much information and if not free it was worth it since Im sitting here waiting and people not calling back and debating if a discovercard was being used in one of my very best friends name if pursuing that is worth it. I probably should have long ago. There are things I dont even know what they are. So it stated I needed to create account and I did and for about the XXXX it said I have an account .. same thing happens. It would have been worth paying for but their things dont work and dont appear to be truthful just like the credit report I got that says free with score but it was a short / limited version with no FICO. \n\nYou can see that the boost screen shots i attached were way before I even called the CFPB. I never knew this would pile up like this. There isnt a way that I have been able to get close to a dispute and provide honest details. Just like the XXXX dispute that says resolved but I dont have two cards. I cant dispute anything else either let alone read or log in to important things that are emailed to me from them. \n\nWeve received your complaint. \nWell send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. \n\nCOMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem Im attaching the remaining plus the email I got today.","date_sent_to_company":"2020-03-13T20:16:43.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"852XX","tags":null,"has_narrative":true,"complaint_id":"3565910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-13T19:11:11.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your <em>Consumer</em> Portal. \n\nCOMPLAINT 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 Problem with a <em>credit</em> <em>reporting</em> company 's investigation into an existing problem Im attaching the remaining plus the email I got today."],"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>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":[9.140542,"3565910"]},{"_index":"complaint-public-v1","_id":"5190181","_score":9.001933,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is intentionally, illegally, fraudulently reporting incorrect, inaccurate, information to the consumer reporting agencies. And the consumer reporting agencies are intentionally, illegally, fraudulently reporting this inaccurate, incorrect information without verifying the information first. I have disputed these XXXX XXXX accounts for the last 2 years with no resolution from XXXX, Experian, XXXX, XXXX or XXXX. I first learned about XXXX in XXXX and immediately contacted them and the consumer reporting agencies to find out who they were and why they just added to new open accounts from XX/XX/XXXX. I never signed a contract with XXXX. I never borrowed any money or took out a loan with XXXX. I never authorized XXXX to run my credit or report anything to my credit. I never provided XXXX with my personal information in an effort to open any new accounts or take out any loans. Therefore, they are intentionally, knowingly, fraudulently stole my identity in an effort to collect on a debt that they do not rightfully own. I never received any written correspondence from XXXX via U.S Mail advising that they were a collection agency or debt collector when they originally claimed to acquire the debt in XXXX. Therefore, I began disputing and appealing these XXXX accounts with the consumer reporting agencies and XXXX. The consumer reporting agencies just kept stating that the debt was verified by XXXX. I requested proof of the verification and a copy of the investigation. I have not received anything from the consumer reporting agencies to date. XXXX continues to send me copies of billing statements that they have generated and not the actual validation of debt, proof of ownership, proof of purchased debt, proof of certificate that verifies that they can legally collect on a debt in my State. Besides, XXXX continues to argue that this debt originated from my attendance or enrollment at XXXX XXXX XXXX in XXXX. However, I never attended XXXX in XXXX. After doing my own research, I learned that these loans originated from XXXX XXXX and was transferred to XXXX ( XXXX ) when the loans defaulted in XXXX. I've never made a payment on these accounts so even if the debt was valid, it's been more than 7 years so the Statue of Limitations was exceeded in XXXX. XXXX knowingly, intentionally, fraudulently re-aged the debt and reported it to the consumer reporting agencies in an effort to collect on a debt that they don't own. THAT'S FRAUD! They reported this debt as if they were the original creditors from XXXX! THAT'S FRAUD! They've been reporting paid as agreed, on time, never late even though I've NEVER paid them anything NEVER! Once they saw that I wasn't given in to them, they reported the account 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. THIS IS FRAUD! XXXX IS FRAUDULENT! I NEVER gave XXXX, XXXX, Experian, XXXX or XXXX any verbal or written consent to report anything on my consumer report. No consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party! 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. SO I DEMAND DELETION OF ALL XXXX REPORTED ACCOUNTS EFFECTIVE IMMEDIATELY! I sent the following correspondence to XXXX and they have NEVER completed and sent the correspondence back to me. Validation of a Debt Request Pursuant to 15 USC 1692g. BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 60 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill out the form below in its entirety. Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor. \nAll statements while this account was open, including all charges, fees, interest accrued, payments and credits. \nHave any insurance claims been made by any creditor regarding this account? \nYes No Have any Judgements been obtained by any creditor regarding this account? \nYes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. \nYour Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. \nPlease allow 60 calendar days for processing after I receive this information. \n\nNOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It Might Concern : I have requested that you validate the alleged debt that you claim that I owe, and all you have provided me with are excuses, statements and partial account history for accounts that you can NOT prove are mine or prove that you have the legal right to collect on the debt!\n\nYou have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - Failure to validate this alleged debt. \nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n15 USC 1692c ( c ) Ceasing communication - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.\n\nProper validation of this alleged debt was NOT provided to me within 30 calendar days of receiving my last request dated for XX/XX/XXXX so Im now assuming that this alleged debt is fraudulent and invalid and therefore, you shall submit to myself and all consumer reporting agencies within 72 hours upon receipt of this letter, in writing, on company letterhead, via US Mail that ALL of the accounts should be deleted effective immediately and stop ALL collection activities regarding these accounts.\n\nFurthermore, you do NOT have any jurisdiction or authority to even collect on these alleged debts.\n\nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall : ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.\n\n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. \nBy the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15 USC 1692 even further, just keep in mind that an attorney can NOT be a debt collector and a debt collector can NOT be an attorney.\n\nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may NOT use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. \nWith all that was said above, for EACH VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. \nI recently received a copy of my Experian, XXXX and XXXX consumer reports and I noticed that youre still reporting some late payments from over 7 years ago AND for the current year for XXXX - XX/XX/XXXX, they are as follows : XXXX  XXXX XXXX  XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include : subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX  Making the report is not INCLUDED on my Consumer report! \nA Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. \nYou have THREE calendar days to update my Payment history and/or delete all late payments from the below account : Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Denial of Credit Approval from other lenders due to false & illegal reporting Decreased credit ratings Time spent repairing, updating and monitoring credit Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Your Options are as follows : Delete this account and cease and desist with all collection activities ; Close ALL account, credit all balances to {$0.00}, report NEVER late, remove all negative history; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more accrued damages. \n\nPlease accept this letter as my request to receive a FREE, FULL, COMPLETE, PRINTED COPY OF MY Consumer Report AND Score! I am DEMANDING that you MAIL me a FREE, FULL, COMPLETE, PRINTED COPY OF MY CONSUMER REPORT AND SCORE! \n\nPlease also accept this letter as notice and confirmation that I hereby OPT OUT and do NOT wish to resolve any disputes with XXXX, XXXX, XXXX, Experian or XXXX through arbitration. Again, I reject the arbitration clause in the XXXX, XXXX, Experian XXXX and XXXX interactive service agreement. \n\nI, NEVER gave XXXX, XXXX, Experian, XXXX or XXXX any verbal or written consent to report anything on MY consumer report. NO consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do NOT have any permissible purpose to furnish my personal information to any third party. Therefore, I DEMAND you to immediately CEASE & STOP ALL information collection, sharing, selling, marketing, soliciting, purchasing of my personal information with ANY AND ALL 3rd party agencies! DO NOT COLLECT, SHARE, MARKET, SOLICIT, PURCHASE OR SELL ANY OF MY PERSONAL INFORMATION TO OR FROM ANY 3RD PARTY AGENCY!\n\n15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nI am requesting to PERMANENTLY OPT OUT of prescreened offers! I AM DEMANDING THAT MY NAME, ADDRESS AND ANY OTHER PERSONAL INFORMATION ABOUT ME BE DELETED AND SUPPRESSED FROM YOUR FILES AND EVERY 3RD PARTY AGENCY THAT YOU HAVE PREVIOUSLY SOLD, SHARED, COLLECTED, MARKETED OR PURCHASED FROM EFFECTIVE IMMEDIATELY! I AM DEMANDING TO BE PERMANENTLY OPTED OUT OF PRESCREENED OFFERS EFFECTIVE IMMEDIATELY! I DO NOT GIVE YOU PERMISSION TO CONTACT ME VIA PHONE OR EMAIL. DO NOT STORE ANY PHONE NUMBERS OR EMAIL ADDRESSES. ALL CORRESPONDENCE SHOULD BE SENT VIA US POSTAL MAIL ONLY. Thank you so much in advance for updating and noting my account with these details immediately upon receipt of this notice. DELETE EVERY ACCOUNT FROM ALL SOURCES AND ALL THIRD PARTY REPORTING AGENCIES! DELETE ALL PERSONAL INFORMATION, DELETE ALL BALANCES! DELETE ALL REPORTING ACCOUNTS, DELETE ALL PHONE NUMBERS, DELETE ALL EMAIL ADDRESSES, DELETE ALL RECORDS OF THESE FRAUDULENT ACCOUNTS! SEND ME A CHECK FOR {$100000.00} FOR STEALING MY IDENTITY AND COMMITTING FRAUD!","date_sent_to_company":"2022-02-06T09:54:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"5190181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-06T04:54:14.000Z","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 belongs to someone else"},"highlight":{"complaint_what_happened":["Time spent <em>repairing</em>, updating and <em>monitoring</em> <em>credit</em> Fair <em>Credit</em> <em>Reporting</em> Act 15 USC 1681 violations for willful noncompliance - 616."],"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":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[9.001933,"5190181"]},{"_index":"complaint-public-v1","_id":"5190180","_score":8.996304,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is intentionally, illegally, fraudulently reporting incorrect, inaccurate, information to the consumer reporting agencies. And the consumer reporting agencies are intentionally, illegally, fraudulently reporting this inaccurate, incorrect information without verifying the information first. I have disputed these 2 XXXX accounts for the last 2 years with no resolution from XXXX, XXXX, XXXX, Transunion or XXXX. I first learned about XXXX in XXXX and immediately contacted them and the consumer reporting agencies to find out who they were and why they just added to new open accounts from XX/XX/XXXX. I never signed a contract with XXXX. I never borrowed any money or took out a loan with XXXX. I never authorized XXXX to run my credit or report anything to my credit. I never provided XXXX with my personal information in an effort to open any new accounts or take out any loans. Therefore, they are intentionally, knowingly, fraudulently stole my identity in an effort to collect on a debt that they do not rightfully own. I never received any written correspondence from XXXX via U.S Mail advising that they were a collection agency or debt collector when they originally claimed to acquire the debt in XXXX. Therefore, I began disputing and appealing these 2 accounts with the consumer reporting agencies and XXXX. The consumer reporting agencies just kept stating that the debt was verified by XXXX. I requested proof of the verification and a copy of the investigation. I have not received anything from the consumer reporting agencies to date. XXXX continues to send me copies of billing statements that they have generated and not the actual validation of debt, proof of ownership, proof of purchased debt, proof of certificate that verifies that they can legally collect on a debt in my State. Besides, XXXX continues to argue that this debt originated from my attendance or enrollment at XXXX XXXX XXXX in XXXX. However, I never attended XXXX in XXXX. After doing my own research, I learned that these loans originated from XXXX XXXX and was transferred to XXXX ( XXXX ) when the loans defaulted in XXXX. I've never made a payment on these accounts so even if the debt was valid, it's been more than 7 years so the Statue of Limitations was exceeded in XXXX. XXXX knowingly, intentionally, fraudulently re-aged the debt and reported it to the consumer reporting agencies in an effort to collect on a debt that they don't own. THAT'S FRAUD! They reported this debt as if they were the original creditors from XXXX! THAT'S FRAUD! They've been reporting paid as agreed, on time, never late even though I've NEVER paid them anything NEVER! Once they saw that I wasn't given in to them, they reported the account 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. THIS IS FRAUD! XXXX IS FRAUDULENT! I NEVER gave XXXX, XXXX, XXXX, XXXX or TransUnion any verbal or written consent to report anything on my consumer report. No consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party! 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. SO I DEMAND DELETION OF ALL XXXX REPORTED ACCOUNTS EFFECTIVE IMMEDIATELY! I sent the following correspondence to XXXX and they have NEVER completed and sent the correspondence back to me. Validation of a Debt Request Pursuant to 15 USC 1692g. BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 60 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill out the form below in its entirety. Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. \nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor. \nAll statements while this account was open, including all charges, fees, interest accrued, payments and credits. \nHave any insurance claims been made by any creditor regarding this account? \nYes No Have any Judgements been obtained by any creditor regarding this account? \nYes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. \nYour Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.\n\nPlease allow 60 calendar days for processing after I receive this information. \n\nNOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It Might Concern : I have requested that you validate the alleged debt that you claim that I owe, and all you have provided me with are excuses, statements and partial account history for accounts that you can NOT prove are mine or prove that you have the legal right to collect on the debt! \nYou have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - Failure to validate this alleged debt. \nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n15 USC 1692c ( c ) Ceasing communication - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. \nProper validation of this alleged debt was NOT provided to me within 30 calendar days of receiving my last request dated for XX/XX/XXXX so Im now assuming that this alleged debt is fraudulent and invalid and therefore, you shall submit to myself and all consumer reporting agencies within 72 hours upon receipt of this letter, in writing, on company letterhead, via US Mail that ALL of the accounts should be deleted effective immediately and stop ALL collection activities regarding these accounts. \nFurthermore, you do NOT have any jurisdiction or authority to even collect on these alleged debts. \nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall : ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. \n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. \nBy the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15 USC 1692 even further, just keep in mind that an attorney can NOT be a debt collector and a debt collector can NOT be an attorney. \nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may NOT use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. \nWith all that was said above, for EACH VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court XXXX allow, but not exceeding {$1000.00}. \nI recently received a copy of my XXXX, XXXX and TransUnion consumer reports and I noticed that youre still reporting some late payments from over 7 years ago AND for the current year for XXXX - XX/XX/XXXX, they are as follows : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include : subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX Making the report is not INCLUDED on my Consumer report! \nA Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. \nYou have XXXX calendar days to update my Payment history and/or delete all late payments from the below account : Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Denial of Credit Approval from other lenders due to false & illegal reporting Decreased credit ratings Time spent repairing, updating and monitoring credit Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Your Options are as follows : Delete this account and cease and desist with all collection activities ; Close ALL account, credit all balances to {$0.00}, report NEVER late, remove all negative history; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more accrued damages. \n\nPlease accept this letter as my request to receive a FREE, FULL, COMPLETE, PRINTED COPY OF MY Consumer Report AND Score! I am DEMANDING that you MAIL me a FREE, FULL, COMPLETE, PRINTED COPY OF MY CONSUMER REPORT AND SCORE! \n\nPlease also accept this letter as notice and confirmation that I hereby OPT OUT and do NOT wish to resolve any disputes with XXXX, Transunion, XXXX, XXXX or XXXX through arbitration. Again, I reject the arbitration clause in the Transunion, XXXX, XXXX XXXX and XXXX interactive service agreement. \n\nI, NEVER gave XXXX, Transunion, XXXX, XXXX or XXXX any verbal or written consent to report anything on MY consumer report. NO consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do NOT have any permissible purpose to furnish my personal information to any third party. Therefore, I DEMAND you to immediately CEASE & STOP ALL information collection, sharing, selling, marketing, soliciting, purchasing of my personal information with ANY AND ALL 3rd party agencies! DO NOT COLLECT, SHARE, MARKET, SOLICIT, PURCHASE OR SELL ANY OF MY PERSONAL INFORMATION TO OR FROM ANY 3RD PARTY AGENCY! \n\n15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n\nI am requesting to PERMANENTLY OPT OUT of prescreened offers! I AM DEMANDING THAT MY NAME, ADDRESS AND ANY OTHER PERSONAL INFORMATION ABOUT ME BE DELETED AND SUPPRESSED FROM YOUR FILES AND EVERY 3RD PARTY AGENCY THAT YOU HAVE PREVIOUSLY SOLD, SHARED, COLLECTED, MARKETED OR PURCHASED FROM EFFECTIVE IMMEDIATELY! I AM DEMANDING TO BE PERMANENTLY OPTED OUT OF PRESCREENED OFFERS EFFECTIVE IMMEDIATELY! I DO NOT GIVE YOU PERMISSION TO CONTACT ME VIA PHONE OR EMAIL. DO NOT STORE ANY PHONE NUMBERS OR EMAIL ADDRESSES. ALL CORRESPONDENCE SHOULD BE SENT VIA US POSTAL MAIL ONLY. Thank you so much in advance for updating and noting my account with these details immediately upon receipt of this notice. DELETE EVERY ACCOUNT FROM ALL SOURCES AND ALL THIRD PARTY REPORTING AGENCIES! DELETE ALL PERSONAL INFORMATION, DELETE ALL BALANCES! DELETE ALL REPORTING ACCOUNTS, DELETE ALL PHONE NUMBERS, DELETE ALL EMAIL ADDRESSES, DELETE ALL RECORDS OF THESE FRAUDULENT ACCOUNTS! SEND ME A CHECK FOR {$100000.00} FOR STEALING MY IDENTITY AND COMMITTING FRAUD!","date_sent_to_company":"2022-02-06T09:54:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"5190180","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-06T04:54:14.000Z","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 belongs to someone else"},"highlight":{"complaint_what_happened":["spent <em>repairing</em>, updating and <em>monitoring</em> <em>credit</em> Fair <em>Credit</em> <em>Reporting</em> Act 15 USC 1681 violations for willful noncompliance - 616."],"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":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[8.996304,"5190180"]},{"_index":"complaint-public-v1","_id":"3806618","_score":8.992037,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. \n\nThis complaint is to advise that LexisNexis Consumer Center has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our consumer reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. \n\nOn XX/XX/XXXX my daughter and I submitted an online request to LexisNexis AND also CALLED ( Call Recorded ) to request FULL, COMPLETE, PRINTED reports to be mailed to us, security freezes to be added to our consumer files AND for our files to be suppressed AND opted out of information sharing, marketing, solicitating and further fraudulent information from being added to either of our reports. We have attached a copy of the email confirmation advising receipt of the suppression AND optout requests, PLUS letters dated for XX/XX/XXXX from LexisNexis confirming that they've received our requests but aren't able to process them at that time. \n\nOn XX/XX/XXXX, my daughter and I called LexisNexis AGAIN and requested a copy of our FULL, COMPLETE, PRINTED reports to be mailed us, security freezes to be added to our consumer files AND to be opted out of soliciting, marketing, information sharing and to suppress all files. Attached, please review the documents dated for XX/XX/XXXX from LexisNexis advising that the security freeze was added and an URL link with a password advising us to go on the website to access our reports. We tried, but the passwords didn't work. Over the phone we told them that we wanted a paper copy to be mailed to us because we don't have personal access to a printer or internet. During that call, the agent added a telephone number ending in XXXX and an email that I never confirmed or requested to be added. He added the telephone number that I was calling from without my permission. He never verified if I even wanted a telephone number to be added to my profile. He mentioned that he'd seen my online request and obviously added the email as well. Again, without my consent or knowledge. He never confirmed, just added INCORRECT information to my consumer report without confirming or asking if we wanted it to be added. \n\nOn XX/XX/XXXX, we called again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our consumer reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. \n\nOn XX/XX/XXXX, we called the CFPB and requested to file a complaint against LexisNexis. Complaint XXXX was submitted as follows : \" The reason I am submitting this complaint is because they have merged me and my daughter as one person and we are not the same! '' The company closed the complaint on XX/XX/XXXX and responded with an attached letter dated for XX/XX/XXXX, lying stating that they'd called and emailed me on XX/XX/XXXX. I checked the voicemail of the number they listed on the letter and there were no new messages. I then proceeded to check the email that they said they sent and there was a message from them dated for XX/XX/XXXX NOT XX/XX/XXXX. I called the phone number listed on the email for XXXX XXXX and left a message for her to call me back ( Call recorded )! I then responded to the email on XX/XX/XXXX. She then emailed me back on XX/XX/XXXX. There was no further communication. She has never called me back. ( Documents attached ) I have emailed copies of the letters today which includes all of the consumer requests that we've made so that the files can be accessed, deleted, removed, disputed and suppressed effective immediately! ANY FURTHER COMMUNICATION SHOULD BE SUBMITTED HERE ON THE CFPB WEBSITE WITHOUT CLOSING THE CASE UNTIL FULLY RESOLVED! \n\nOn XX/XX/XXXX, we created a new, more detailed complaint online via the CFPB website against LexisNexis and was provided complaint # XXXX. That complaint included the following : \" 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. 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! '' The company closed this complaint on XX/XX/XXXX with an amended version of the same letter that they sent on XX/XX/XXXX. This time the letter stated that they called on XX/XX/XXXX AND XX/XX/XXXX and was not able to leave a voicemail message. It then says that they emailed me on XX/XX/XXXX and has never received a response from me but again, I have attached the emails that show that I responded on XX/XX/XXXX BEFORE the XX/XX/XXXX letter from LexisNexis was generated. \n\nOn XX/XX/XXXX, I received another letter from LexisNexis stating that they couldn't process our requests! On every single call, the agents ask for the exact same information. They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! They also confirm on each call that they have accessed the account and asks if we want to dispute anything at time! We advise them on every call that we need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! \n\nOn XX/XX/XXXX, we received reports dated for XX/XX/XXXX. My XXXX year old daughter 's report consisted of 72 pages of incorrect information. Her report includes MY FULL NAME, SOCIAL SECURITY NUMBER, CREDIT ACCOUNT INFORMATION and addresses of relatives, friends, schools THAT SHE HAS NEVER BEEN ASSOCIATED WITH! My report included 48 pages of incorrect information! NONE OF MY ACTUAL CREDIT INFORMATION! It included addresses and phone numbers that don't belong to me! It included names of males and females that aren't mine. The report includes FULL social security numbers AND date of births of individuals that ARE NOT ME! I disputed the entire report on XX/XX/XXXX and received a dispute case number # XXXX. When I asked the agents, because I spoke to MULTIPLE agents today ... Why does MY report include the names, addresses, phone numbers, social security numbers, date of births AND insurance information for XXXX XXXX, she said that I must've been added to his policy before. But even if, this were the case, WHY WOULD YOU PUT ALL OF HIS PERSONAL, CONFIDENTIAL INFORMATION on MY CONSUMER REPORT? Now, I have access to his information and could use his information FRAUDULENTLY if I were that type of individual? My daughter now has access to MINE, XXXX XXXX 'S and some more people/s credit profile information because LEXISNEXIS illegally adds information to the consumer report without verifying from the EXACT source! I asked the agents to verify where they received the information from and she said that it wasn't the actual company that sent it to them. She also confirmed that the INCORRECT address and phone numbers were added to my profile when I called or emailed them on XX/XX/XXXX. So they NEVER confirmed, asked or verified if I wanted that information added to my profile. We don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! \n\nI am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. \n\nThis letter is to inform, request and advise LexisNexis that the personal information and accounts being reported by your company on my credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! \n\nI recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. \n\nWe are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! WE WANT THE ENTIRE FILE DELELTE! ALL INFORMATION REMOVED! ALL INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-08-21T06:32:11.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3806618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2020-08-21T02:08:39.000Z","state":"IL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The Fair <em>Credit</em> <em>Reporting</em> Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of <em>consumer</em> information contained in the files of <em>consumer</em> <em>reporting</em> agencies. It was intended to protect <em>consumers</em> from the willful and/or negligent inclusion of inaccurate information in their <em>credit</em> <em>reports</em>. To that end, the FCRA regulates the collection, dissemination, and use of <em>consumer</em> information, including <em>consumer</em> <em>credit</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":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"]},"sort":[8.992037,"3806618"]},{"_index":"complaint-public-v1","_id":"3807986","_score":8.850811,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. \n\nThis complaint is to advise that Equifax has failed to honor our rights under the FCRA act which gives  us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. \n\nOn XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called Equifax and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us. \n\nOn XX/XX/XXXX we tried calling Equifax again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead! \n\nOn XX/XX/XXXX we called Equifax to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us. \n\nOn XX/XX/XXXX, we called Equifax and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports. \n\nOn XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against Equifax and it read as follows : \" My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from Equifax. On XX/XX/XXXX, Equifax responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again! \n\nOn XX/XX/XXXX, we filed another complaint # XXXX with CFPB because Equifax kept reporting incorrect information. The complaint read as follows : \" Company reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' Equifax responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports! \n\nOn XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from XXXX  because I was not successful with Equifax directly. I reviewed the report and called Equifax to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results. \n\nOn XX/XX/XXXX, I printed, mailed and faxed a dispute letter to Equifax regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called Equifax again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. 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 completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit 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. We are requesting that they refund us for the extra time and 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 us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL 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 CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY! \n\nEquifax wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT! \n\nWe don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise Equifax that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-08-21T21:05:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3807986","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-21T19:15:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The Fair <em>Credit</em> <em>Reporting</em> Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of <em>consumer</em> information contained in the files of <em>consumer</em> <em>reporting</em> agencies. It was intended to protect <em>consumers</em> from the willful and/or negligent inclusion of inaccurate information in their <em>credit</em> <em>reports</em>. To that end, the FCRA regulates the collection, dissemination, and use of <em>consumer</em> information, including <em>consumer</em> <em>credit</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>"]},"sort":[8.850811,"3807986"]},{"_index":"complaint-public-v1","_id":"3807983","_score":8.848528,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. \n\nThis complaint is to advise that XXXX has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. \n\nOn XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called XXXX and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us. \n\nOn XX/XX/XXXX we tried calling XXXX again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead! \n\nOn XX/XX/XXXX we called XXXX to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us. \n\nOn XX/XX/XXXX, we called XXXX and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports. \n\nOn XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against XXXX and it read as follows : \" My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from XXXX. On XX/XX/XXXX, XXXX responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again! \n\nOn XX/XX/XXXX, we filed another complaint # XXXX with CFPB because XXXX kept reporting incorrect information. The complaint read as follows : \" XXXX reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. XXXX didnt resolve the problem. Only made it worse. My XXXX XXXX decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' XXXX responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports! \n\nOn XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from XXXX because I was not successful with XXXX directly. I reviewed the report and called XXXX to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results. \n\nOn XX/XX/XXXX, I printed, mailed and faxed a dispute letter to XXXX   regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called XXXX again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. 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 completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit 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. We are requesting that they refund us for the extra time and 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 us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL 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 CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY! \n\nXXXX wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT! \n\nWe don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise XXXX that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-08-21T21:06:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3807983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-21T21:06:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The Fair <em>Credit</em> <em>Reporting</em> Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of <em>consumer</em> information contained in the files of <em>consumer</em> <em>reporting</em> agencies. It was intended to protect <em>consumers</em> from the willful and/or negligent inclusion of inaccurate information in their <em>credit</em> <em>reports</em>. To that end, the FCRA regulates the collection, dissemination, and use of <em>consumer</em> information, including <em>consumer</em> <em>credit</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"]},"sort":[8.848528,"3807983"]},{"_index":"complaint-public-v1","_id":"3807981","_score":8.848439,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants. \n\nThis complaint is to advise that XXXX has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting. \n\nOn XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called XXXX  and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us. \n\nOn XX/XX/XXXX we tried calling XXXX  again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead! \n\nOn XX/XX/XXXX we called XXXX  to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us. \n\nOn XX/XX/XXXX, we called XXXX  and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports. \n\nOn XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against XXXX  and it read as follows : \" My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from XXXX. On XX/XX/XXXX, XXXX  responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again! \n\nOn XX/XX/XXXX, we filed another complaint # XXXX with CFPB because XXXX  kept reporting incorrect information. The complaint read as follows : \" Company reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' XXXX responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports! \n\nOn XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from Experian.com because I was not successful with XXXX  directly. I reviewed the report and called XXXX  to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results. \n\nOn XX/XX/XXXX, I printed, mailed and faxed a dispute letter to XXXX  regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called XXXX  again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. 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 completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit 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. We are requesting that they refund us for the extra time and 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 us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL 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 CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY! \n\nXXXX wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT! \n\nWe don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise XXXX  that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as XXXX  and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!","date_sent_to_company":"2020-08-21T21:06:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"3807981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-21T21:06:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The Fair <em>Credit</em> <em>Reporting</em> Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of <em>consumer</em> information contained in the files of <em>consumer</em> <em>reporting</em> agencies. It was intended to protect <em>consumers</em> from the willful and/or negligent inclusion of inaccurate information in their <em>credit</em> <em>reports</em>. To that end, the FCRA regulates the collection, dissemination, and use of <em>consumer</em> information, including <em>consumer</em> <em>credit</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"]},"sort":[8.848439,"3807981"]},{"_index":"complaint-public-v1","_id":"4691373","_score":8.650276,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021, I took advantage of a \" free trial '' offer for checking my credit reports from all three bureaus. The free trial was presumably offered by XXXX, which appeared to be a credit report provider. The free trial was for one week. \nThe policy requires that one must cancel by the end of the free trial in order to avoid any charges, because the free trial automatically rolls into a paid monthly subscription of XXXX per month. \nOn XX/XX/XXXX or XXXX, I checked my credit card through online banking, and observed that the company had already charged my card the XXXX monthly fee, even though the free trial was not over. Since the charge was pending, I assumed that this was merely a pre-authorization that would be removed when I cancelled. \nOn the morning of XX/XX/2021, I went to the website and logged in so that I could cancel the membership. I scrolled through my billing, account, and membership info and did not find a way to cancel. I then found out on the website that I needed to call the company 's XXXX number and speak to a service rep in order to verbally request to cancel. I find it suspicious that they require cancellations to be verbal. This removes the possibility of consumers having written or printable proof of their cancellation. \nI called the company at that time. During the hour long phone call, I spoke to a service representative with a foreign accent and informed him that I wanted to cancel. He attempted to convince me to change my mind, and seemed reluctant to fulfill my request. I continued to repeat my request to cancel at the end of the trial. He continued to ask me questions to retain me as a customer, even though I already knew that I would not use the service and didn't want it. Initially, he would not agree to cancel my subscription after the trial and he argued with me. He was aggressive. \nFinally, after an extended conversation in which I repeated my request half a dozen times, he relented and agreed to cancel. He told me that my membership was cancelled and he was submitting a request for a refund. He said that \" if '' it is approved, I would see the funds back in my account in a few days. He also told me that the charge was still pending, so it might take longer. He told me that refunds are not guaranteed. I was shocked that a refund was not guaranteed, when the charge was for a service that I hadn't used, didn't want, and I cancelled on time. I was surprised that the company might charge me for a service that I didn't receive. Some time after that call, I received an automated email from the company asking how they did. I did not respond. I also received an email that paradoxically stated \" this message is to confirm that your XXXX account has been cancelled as of XX/XX/2021. Beginning XX/XX/2021, you will no longer have access to your latest credit reports and scores or XXXX monitoring. '' On XX/XX/2021, I had received no further correspondence from the company. I checked my online banking account again to see if the refund had been issued yet. I had not yet received my money back. Instead, the charge had posted to my account. \nThen I navigated to their website and logged in, so I could see the status of my cancellation and refund request. The website gave no indication that I had cancelled at the end of the free trial. Instead, it said that I was good until approx. XX/XX/XXXX, and this was my next billing date. I was upset. \nI called the company again. I used the phone number provided on the website again. After another lengthy call with two people ( a rep and a supervisor ) with a foreign accent, I felt that the issue might still not be resolved, even though they told me it had. They told me they had no indication that I had previously cancelled. They told me that the charges were still pending and I had not been charged. But, the charge WAS completed and I HAD cancelled previously. This was much the same as I had heard the first time I called. So after the call with them, I called a different number for the company. \nAfter hanging up, I called the number provided on my bank statement. It was the same menu, but this time I was transferred to a service rep with an American accent. Once again, I explained the entire situation and that I wanted to cancel after the free trial and I had done so, but my request was not honored. At that time, I also requested a refund for the {$1.00} that was charged to my card at the start of the free trial to \" verify '' my card. The XXXX dollar was supposed to be a temporary pre-auth just to verify that the card was active ( this is common for companies that offer free trials ) so I was not surprised by it. However, I WAS surprised that the charge was posted to my card as an actual fee. I was told that it is refundable, but must be requested. Also, I was told that the charge is only able to be refunded if someone cancels after the free trial and no longer uses the service. \nIn the afternoon of XX/XX/2021, I received an email from the company telling me that they were so happy I chose to reverse the cancellation and keep my membership. I was shocked, and replied with an angry email. ( After visiting the site again at XXXX XXXX  on XX/XX/XXXX, it paradoxically states that my account is \" inactive ''. It offered me another \" free trial ''. No thank you! ) I then looked up the company on XXXX, to see if anyone else had problems with the company. I navigated to the XXXX, where I found hundreds of other complaints with the same or similar experiences. Some people had been charged unexpectedly MONTHS after cancelling. I clicked to go to the company webpage, where I found out that the real name in fact is XXXX XXXX, XXXX based in Texas. It is listed as an internet marketing company, not a more heavily regulated \" financial service '' /credit repair service. This is in spite of advertising that use of their service can help people improve their scores. \nLater in the evening, I received another email from the company stating that my refund request for the {$1.00} was approved. Okay, but where is my other refund? The one for XXXX? I have received no correspondence from the company regarding them giving my money back, except for the email that informed me they were so happy I chose to stay with their family- except I didn't choose that. I find the service useless. I get nothing that I can't get from XXXX for a lower cost. Due in large part to the fact that a bulk of their XXXX website services appears to be outside the scope of their normal business activities, and that it is an internet marketing company, XXXX appears to be merely a data collection company operating under a false pretense of a credit repair company with a simple XXXX web app that reposts credit reports and scores. I do not feel comfortable or safe with them having all of my personal information. I do not want them selling/distributing ANY of my information to any third party. I will submit a fraud alert to all 3 major credit bureaus after I file this report. \nAt approx. XXXX XXXX  on XX/XX/XXXX, I decided to call my card issuing bank and submit a dispute on the charge. I made a report, and also informed them that I planned on reporting the company to the FTC, because this seems to be a scam, or fraudulent business practices. \nI am lucky that I have flexible business hours and I work primarily from home on a salary, so I am able to spend all of this time and effort to cancel, get my money back, dispute the charges, report this, and place a fraud alert on my credit reports. Most people can not. The amount of hoops they make people jump through, and the level of difficulty for customers to cancel at the end of the free trial ( or ever ), makes cancellation untenable for most people, much less the additional steps I have taken. If I worked at XXXX, I would not have been able to do everything that I did. The sad thing is, this is a company that promises the ability to check one 's credit scores and reports and improve them, so people who are wage workers with little time and few resources are the ones most likely to sign up and provide all of their personal data. The company reels us in with the promise of a free week trial, only to collect consumers CC and ALL private info ( SS #, home address, full name ), then charges people for services they don't receive and makes it extremely difficult to get the money back. The fact that many consumers report fraudulent charges months after cancelling is bothersome. This is enough to convince me of a scam. \nI am a business owner myself, and I run a small company that accepts CC payments. I am familiar with running CCs, so I know that companies can easily run a {$1.00} pre-auth to test the card instead of a charge. People should not have their cards CHARGED {$1.00}, {$.00}, or even {$.00} for what they state is FREE. \nI have taken the steps to become XXXX  compliant. The question is why are they storing people 's financial account information without express permission, months after the people are no longer doing business with them? I would NEVER think of retaining former customer 's card information after they have ceased to do business with me. There is something wrong about this. It is unlawful, and violates XXXX  industry standards. \nYou have my full and express permission to reprint, copy, and/or distribute this written document and all related documentary evidence and information to any and all third parties in any jurisdiction under the condition that my personal identifying information is redacted, unless certain personal identifying information is necessary in order to achieve a just outcome.","date_sent_to_company":"2021-09-16T21:55:53.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"85009","tags":null,"has_narrative":true,"complaint_id":"4691373","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"One Technologies, LP","date_received":"2021-09-03T05:03:50.000Z","state":"AZ","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":null},"highlight":{"complaint_what_happened":["Due in large part to the fact that a bulk of their XXXX website services appears to be outside the scope of their normal business activities, and that it is an internet marketing company, XXXX appears to be merely a data collection company operating under a false pretense of a <em>credit</em> <em>repair</em> company with a simple XXXX web app that reposts <em>credit</em> <em>reports</em> and scores. I do not feel comfortable or safe with them having all of my <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>"],"sub_product":["<em>Credit</em> <em>repair</em> services"]},"sort":[8.650276,"4691373"]},{"_index":"complaint-public-v1","_id":"3557369","_score":8.018194,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On Saturday, XX/XX/2020 I went to XXXX  located at XXXX XXXX XXXX XXXX in XXXX, NY. I was there with my children to shop for a birthday gift. I was on the line waiting to check out and their store manager by name of XXXX was soliciting their TJX rewards mastercard to every customer on the line. She stated that XXXX was having a special promotion during the month of XXXX where if you opened up there TJX rewards credit card no soft or hard credit inquiry would be made and everyone would automatically get approved for a credit line of {$1500.00}. She also stated that it was the last day to do open it and it had to be done in store only in order to get that special promotion. She approached me as I was waiting my turn to pay and told me about the promotion that she had been telling to every other customer prior to me. I explained to her that I was in the process of purchasing a house and that I could not do anything that would affect my credit score at the moment. She insisted that no soft or hard inquiry would be ran due to their special promotion. I explained to her that by any means could I open a new credit card because that would cause a drop in my credit score. She continously told me that this was an absolute special promotion that XXXX was having and that they do not run your credit at all. After several attempts to persuade me into opening up the TJX rewards Mastercard I finally agreed to do so. She walked me to the register and informed the sales associate that I would be opening up the mastercard to take advantage of the last day for there special promotion. For the last time I asked her once again and she laughed it off and stated that she had been offering the promotion for the entire month of XXXX and no one has gotten their credit ran. During the application process I was asked for my drivers driver 's license and social security number. I stated to them why would my social be needed if my credit was not being ran and I was told by XXXX that they only wanted to confirm my identity. As soon as they submitted the application I received a notification from an application that I have on my phone to monitor my credit that a new hard inquire was on my XXXX  credit report and that it was made by SYNCB/TJX CO DUAL CARD. I was furious when that happened after I was told numerous times by store manager, XXXX that no soft or hard inquiry would be made. I demanded to speak with her since she was no longer in sight. They sent out another manager who refused to give me her name that spoke to me in a very rude and condescending manner when I tried to explain to her what had just transpired. I told her to get the store manager by the name of XXXX that was soliciting the credit card and after several minutes and me telling everyone on line how I was just scammed and lied to she finally came out. She grabbed my hand and told me to come with her so that I could keep quite and pulled me to the womens shoe department. She stated that she was very sorry and that is what was told to her by XXXX cooperate office. I informed her that XXXX  just ruined my chances at getting a house because I was not supposed to have any credit inquiries or late payments on my credit so that my score would remain the same until I was able to go into contract. She stated that she would try to help rectify what was done and that she would contact TJX Rewards customer service to explain to them that my credit was not supposed to be ran due their special promotion being held by XXXX. I informed her that I have already been in the store long enough with my young children and that I also had a birthday party to attend. Store manager, XXXX wrote down her full name, hours that she worked, her title and personal cellphone number for me to call her so that she could give me an update on the call that she was on with customer service. When I got home I immediately texed her to find out what the outcome was regarding her phone call with TJX Rewards credit cards customer service and to also further express my frustration. She replied that she called XXXX and spoke to a manager by the name of XXXX. and that XXXX said to call the same number and ask for any manager. She also stated that she was told by XXXX that if the customer was not present they can not put the dispute in. And that when I call to tell them that I did not authorize my credit to be checked and that they will put a dispute in and remove the inquiry. She also recommended that I contact XXXX  and dispute that inquiry as well. And told me to call her if I needed her help in any other way. I feel that I was scammed, misled and lied to into opening up the TJX credit card and in return I was affected negatively by it in a major way. The dishonesty of the XXXX store manager caused my credit to be negatively affected in a major way. I am a single mother of XXXX that has been working hard to secure a home for my children by repairing my credit. I am distraught and mind blow that a big organization such as XXXX would use such disgrasful tactics full of dishonesty in order to get their consumers to open up their TJX rewards card. I asked XXXX to please inform XXXX cooperate office of what had transpired and to this day I have yet to receive a call or an email as to how they would help rectify what had happed. Since I have received no form of feedback from XXXX  cooperate office I have no choice but to seek further actions against them for their unethical and deceitful approach at soliciting their credit card.","date_sent_to_company":"2020-03-06T05:34:11.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"Store credit card","zip_code":"11746","tags":null,"has_narrative":true,"complaint_id":"3557369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2020-03-06T05:15:35.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["The dishonesty of the XXXX store manager caused my <em>credit</em> to be negatively affected in a major way. I am a single mother of XXXX that has been working hard to secure a home for my children by <em>repairing</em> my <em>credit</em>. I am distraught and mind blow that a big organization such as XXXX would use such disgrasful tactics full of dishonesty in order to get their <em>consumers</em> to open up their TJX rewards card."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["Store <em>credit</em> card"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Confusing or misleading advertising about the <em>credit</em> card"]},"sort":[8.018194,"3557369"]},{"_index":"complaint-public-v1","_id":"17047494","_score":7.9724684,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX : Company Name : Experian Information Solutions , Inc . \nProduct : Credit reporting, credit repair services, or other personal consumer reports Sub-product : Credit reporting Issue : Incorrect information on your report Sub-issue : Account information incorrect WHAT HAPPENED : Experian is violating federal law by continuing to report unverifiable information despite receiving written proof from the data furnisher that they can not locate or verify the account. \n\nDETAILED DESCRIPTION : THE ACCOUNT : Account : XXXX XXXX & XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Status : Shows as \" Paid, Closed '' with XXXX late payments from XXXX THE EVIDENCE OF NON-VERIFICATION : On XX/XX/XXXX, the data furnisher ( XXXX ) sent me XXXX letter explicitly stating they CAN NOT : - Determine the exact information on my credit report which I am disputing - Locate my account This is written, documented proof that the furnisher can not verify the information being reported. \n\nEXPERIAN 'S FCRA VIOLATIONS : XXXX XXXX  FIRST DISPUTE ( XX/XX/XXXX ) : XXXX XXXX - I filed a dispute with Experian regarding this account - Experian responded that the account would remain on my report- I then contacted XXXX directly and obtained their XX/XX/XXXX letter XXXX XXXX  SECOND DISPUTE WITH EVIDENCE ( Late XXXX XX/XX/XXXX ) : XXXX XXXX - I filed a new dispute with Experian - XXXX XXXX 's XXXX as supporting documentation proving non-verification - Experian acknowledged receiving the documentation - A \" Disputes XXXX '' stated they would review the additional information- I was told a new dispute would be opened based on this evidence XXXX XXXX  EXPERIAN 'S XXXX \" UPDATE '' ( XX/XX/XXXX ) : * XXXX On XX/XX/XXXX, Experian marked the account as \" Updated '' with the following message : \" The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, when I reviewed my credit report : - The account information is IDENTICAL to before- All XXXX late payments remain ( XXXX, XXXX, XXXX, XXXX lates from XXXX ) - Status still shows \" Paid, Closed '' updated XX/XX/XXXX - NO actual changes were made whatsoever The only notation states : \" This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX THIS IS DECEPTIVE : XXXX XXXX Experian marked the account as \" Updated '' to make it appear they conducted an investigation, but they made XXXX substantive changes despite written proof the account can not be verified. \n\nCLEAR FCRA VIOLATIONS : XXXX. * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX  - If a furnisher can not verify disputed information following reinvestigation, the credit reporting agency must promptly delete the information. XXXX confirmed in writing they can not verify this account, yet Experian refuses to delete it. \n\n2. XXXX XXXX  15 U.S.C. 1681i ( a ) ( 1 ) ( A ) XXXX XXXX  XXXX Credit reporting agencies must conduct a reasonable reinvestigation. Marking an account as \" Updated '' with no actual changes is not a reasonable reinvestigation. \n\nXXXX. XXXX XXXX 15 U.S.C. 1681e ( b ) * * - Requires reasonable procedures to assure maximum possible accuracy. Continuing to report information that the furnisher explicitly can not verify violates this standard. \n\nTHE FUNDAMENTAL PROBLEM : How can Experian \" verify '' information when the original creditor states IN WRITING that they can not locate the account? This is impossible. Experian is either : - Not actually contacting the furnisher - Ignoring the furnisher 's inability to verify - Automatically \" verifying '' accounts without proper investigation All three scenarios represent serious FCRA violations. \nPATTERN OF NON-COMPLIANCE : 1. First dispute : Denied without proper investigation 2. Second dispute with proof : Claimed they would investigate XXXX. \" Update '' on XX/XX/XXXX : Changed nothing, marked as \" Updated '' XXXX. Account continues to damage my credit despite being unverifiable This pattern suggests systematic failure to comply with FCRA requirements. \nIMPACT ON ME : - Continued damage to my credit score from unverifiable negative information - Inability to obtain favorable credit terms- Significant time wasted filing multiple disputes with evidence - Mental and emotional distress from Experian 's bad faith \" investigations '' - Loss of trust in the credit reporting system TIMELINE : - [ Date ] : First dispute filed with Experian - Denied - [ Date ] : Sent verification request to XXXX - XX/XX/XXXX : Received written confirmation from XXXX they can not locate account - [ Date ] : Filed second dispute with Experian, attached XXXX letter - [ Date ] : Experian acknowledged receiving documentation, stated new dispute would be opened - XX/XX/XXXX : Experian marked account as \" Updated '' but made XXXX actual changes - [ Date ] : Filed third dispute citing the fake \" update '' and FCRA violations - Present : Account still appears with all negative information despite being unverifiable WHAT I WANT FROM EXPERIAN : XXXX XXXX XXXX Immediate deletion XXXX XXXX of the entire account ( XXXX XXXX & XXXX, Account # XXXX ) including all late payment notations XXXX. XXXX XXXX Updated credit report * * sent to all entities that received my report in the past 6 months ( or 2 years for employment ) XXXX. XXXX XXXX  Written explanation XXXX XXXX  of how they \" verified '' information the furnisher can not locate XXXX. * * Written confirmatioXXXX XXXX XXXX of the deletion XXXX. XXXX XXXX Compensation XXXX XXXX for : - Multiple FCRA violations - Deceptive \" investigation '' practices - Damage to my credit from reporting unverifiable information - Time and emotional distress from multiple failed disputes XXXX. XXXX XXXX  Investigation XXXX XXXX into Experian 's systematic practice of fake \" updates '' that change nothing REQUESTED CFPB ACTION : - Investigate Experian 's \" investigation '' practices that result in no actual changes - Require immediate deletion of this unverifiable account - Impose penalties for multiple FCRA violations- Monitor Experian 's dispute resolution procedures- Investigate whether this is a widespread pattern affecting other consumers - Require Experian to explain how they \" verify '' accounts the furnisher can not locate","date_sent_to_company":"2025-11-05T17:29:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"17047494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-05T17:23:21.000Z","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":["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>Credit</em> <em>reporting</em> Issue : Incorrect information on your <em>report</em> Sub-issue : Account information incorrect WHAT HAPPENED : Experian is violating federal law by continuing to <em>report</em> unverifiable information despite receiving written proof from the data furnisher that they can not locate or verify the account."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[7.9724684,"17047494"]},{"_index":"complaint-public-v1","_id":"11605481","_score":6.4307384,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : A Demand for Justice : Rectifying Systemic Failures and Violations of Domestic and International Laws To : EXPERIAN, XXXX and XXXX To whom it may concern, Dear human being, My fellow human! \" In the beginning XXXX created the heavens and the earth. ( XXXX XXXX, XXXX ) This foundational truth sets the principles of justice, fairness, and accountability that govern all humanity. So XXXX created mankind in His own image, in the image of XXXX He created them ; male and female He created them. ( XXXX XXXX, XXXX ) From these divine principles arise the ideals enshrined in the Declaration of Independence, which asserts : We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, XXXX, and the pursuit of Happiness. \n\nFor over XXXX years, your actions have stood in direct opposition to these principles. Through systemic negligence, retaliation, and failure to address your own errors, you have : Suppressed my ability to achieve financial independence. \n\nTarnished my reputation and credibility. \n\nDenied me the opportunity to pursue entrepreneurial aspirations that could transform my life and benefit my community. \n\n\nThis letter is not a requestit is a demand for immediate corrective action. \n\n\n-- - 1. Systemic Negligence : Catastrophic Data Breaches and Their Consequences 1.1 Catastrophic Data Breaches Your institutions have consistently failed to protect sensitive consumer data, resulting in catastrophic breaches : XXXX ( XXXX ) : Exposed the personal data of XXXX XXXX Americans, including Social Security numbers, birth dates, and financial details. \n\nExperian ( XXXX ) : Compromised sensitive information of millions globally, further exposing consumers to fraud and exploitation. \n\nXXXX ( XXXX ) : Continued this pattern of failure, leaking sensitive financial data and further eroding public trust. \n\n\nThese breaches are not mere accidentsthey are the result of systemic failures to maintain adequate security protocols. \n\n\n-- - 1.2 My Terrible Personal Experience as a Result of the Real-World Consequences of Your Data Breaches Your failure to protect sensitive consumer data has wreaked havoc on my life in ways I never imagined. The catastrophic breaches at your institutions didnt just compromise my financial informationthey shattered my trust in a system thats supposed to safeguard my future. \n\nFraudulent Accounts and Data Misuse I cant even count the number of times Ive stared at my credit report in shock and disbelief. Over XXXX to XXXX derogatory accounts? Accounts Ive never opened, never authorized, and certainly never benefited from. These fraudulent accounts sat there, ruining my financial reputation, while you stood idly by multiple requests for you to take corrective actions yet you only made it worse. \n\nAnd it doesnt stop there. More than XXXX hard inquiries? How is that even possible? Each one of those inquiries chipped away at my Consumer Credit report credentials and score, making it harder and harder for me to access fair financial opportunities. These werent my actions. These were your mistakes. Yet Ive been the one suffering the consequences, year after year.\n\nEvery time I saw another inquiry or a suspicious account appear, I ask myself : Why wasnt this stopped? Why wasnt I protected? Your negligence didnt just expose meit made me a target. Its not just frustratingits infuriating.\n\nFalse Address Listings To make matters worse, throughout the years different addresses of places that never visit nevermind living were placed on my Consumer Credit report recently I discovered on a my Consumer credit report from a third party a falsely listed as my previous address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX, a place Ive never lived and never even heard of. Do you know what it feels like to have your identity tangled in errors like this? Its humiliating, confusing, and downright terrifying. \n\nThis false address didnt just undermine my credibilityit opened the door to even more fraud. Ive had to live with the constant fear of what might happen next, all because you couldnt manage the information youre entrusted with. \n\nXXXX XXXX XXXX in Retaliation And then theres the retaliation. On the early morning of XX/XX/XXXX approximately XXXX XXXX  I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), exercising my right to hold you accountable. Less than XXXX Hours later, around XXXX to XXXX XXXX  again a third party credit monitoring that I use informed that my credit score dropped XXXX pointsfor no legitimate reason. Its impossible to see this as anything other than deliberate retaliation. \n\nYour actions have left me trapped in a cycle of frustration, fear, and financial instability. Ive done everything in my power to correct your mistakes, but your systemic failures and blatant disregard for accountability have made that nearly impossible. \n\n-- - 2. Retaliation : A Modern-Day XXXX Your retaliatory practices mirror the XXXX  of XXXX  XXXX XXXX XXXX whose oppressive actions prompted the American Revolution. The Founders fought against : Arbitrary Penalties : Just as XXXX  XXXX imposed unjust taxes, you manipulate credit scores to penalize consumers without justification than exercising their rights safeguarded by Law & Order.\n\nIgnored Grievances : Like the King dismissing colonists petitions, you have repeatedly throughout the years ignored my disputes and grievances blatantly refusing to take corrective actions to fix the wrong you have immensely contributed to cause harm to my financial well-being. \n\nSuppressed Economic Freedom : By obstructing my financial independence, you echo the Kings restrictions on XXXX trade and prosperity. \n\n-- - XXXX. Obstructing Entrepreneurial Aspirations : A Vision Delayed by Negligence 3.1 My Vision for a Transformative E-Commerce & Multiple other Financial Business Ventures in different Industries I have a clear and ambitious vision : to establish a thriving e-commerce business that provides innovative, high-quality products to a global audience. My business is not just about profitits about creating a sustainable and impactful enterprise that contributes to local and international economies throughout the world after all I, a person who not only read or studied the whole XXXX for hundreds of time but by the Grace of the XXXX XXXX of the Heavens and the Earth YAHWEH through XXXX XXXX the Master Worker by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Powerful, Magnificent, Awe-inspiring, Holy XXXX copied the whole XXXX from XXXX XXXX to Re XXXX without missing a day in span of 5 years straight starting in the year XXXX Completely Finishing in the XXXX must not be selfish and must work for the well-being of his fellow men throughout the the earth. \n\nIn reality, your systemic, calculated tyranny throughout the years has cost me not hundreds of thousands but Millions of Dollars if not Billions of Dollars most certainly irreparable damages and lots of stressful moments pulling my hair out specially when checking my Consumer Credit report and Credit score and see all the XXXX Unauthorized corrupted inquiries and Unauthorized corrupted accounts listed there on my Consumer Credit report, that I didn't even had easy access as most people, because throughout the years you have consistently and systemically blocked and suppressed my access to my Consumer Credit report and Credit score and used all kinds dirty tactical moves to not only prevent but barr not only me but also multiple Credit Repair Agencies that I have hired throughout the years to help me, trying to clean up the mess that you caused me to suffer from. \n\nBusiness Plan Overview : 1. Core Business Model : Niche Focus : Targeting [ specific niche, e.g., sustainable fashion, health and wellness products, or tech accessories ] to meet growing consumer demand.\n\nProduct Differentiation : Offering unique, eco-friendly, and ethically sourced products that stand out in a competitive market.\n\n2. Market Strategy : Leveraging digital marketing tools like search engine optimization ( SEO ), social media advertising, and email campaigns to drive traffic and sales.\n\nExpanding to international markets through partnerships with reliable logistics providers.\n\n3. Growth Potential : Year 1 : Launching the online platform, achieving initial sales milestones, and building a loyal customer base.\n\nYear 2 : Scaling operations through targeted marketing campaigns and product line expansion.\n\nYear 3 and Beyond : Establishing brick-and-mortar locations in strategic regions while reinvesting profits into community, local & International-focused initiatives to Contribute Financially to different Non profit Organizations throughout the earth.\n\n4. Social Responsibility : Committing to eco-friendly practices by using sustainable packaging and reducing the businesss carbon footprint.\n\nSupporting community programs that empower underprivileged individuals through education and employment opportunities.\n\n3.2 The Systemic Harm Blocking My Vision Your actions have systematically undermined my ability to bring this and other visions to life. Specifically : 1. Denial of Access to Capital : Due to inaccuracies and unauthorized hard inquiries on my credit report, lenders view my credit profile as unreliable. As a result, I have been repeatedly denied funding, making it impossible to cover essential startup costs such as inventory, technology, and marketing.\n\n2. Loss of Credibility : The fraudulent accounts and false address listings on my report have tarnished my reputation with financial institutions, further stifling my access to critical resources.\n\n3. Delays That Compound Over Time : Each day your negligence persists is another day I am unable to move forward. These delays have not only derailed my business timeline but have also caused missed opportunities to partner with suppliers, secure competitive pricing, and establish a foothold in the market.\n\n4. Emotional and Financial Toll : Your failures have caused immense emotional distress, forcing me to repeatedly throughout the years dispute gross negligent errors instead of focusing on growing my business. This diversion of time and resources has directly hindered my ability to provide financial stability for my family.\n\n-- - 3.3 The Ripple Effect of Suppression Your actions dont just harm methey harm the community and the world economy that would benefit from my businesses Ventures both Locally & Internationally : Job Creation : By obstructing my progress, you have denied local talent the opportunity to find stable employment.\n\nEconomic Contribution : My e-commerce business has the potential to generate significant economic activity, from supplier partnerships to customer spending Globally.\n\nInnovation Stifled : By delaying my vision, you have stifled the introduction of unique products and services that could positively impact consumers lives.\n\n-- - 3.4 A Vision That Preservers Despite the Odds Despite the systemic harm through the years that youve caused, my resolve remains unwavering. My business plan is ready to be executed, but your gross negligence and retaliatory actions have erected barriers that no entrepreneur should face. It is your obligation to : 1. Correct the inaccuracies in my consumer credit report.\n\n2. Reverse retaliatory actions that have unjustly suppressed my creditworthiness.\n\n3. Ensure transparency and accountability to restore my financial reputation and enable me to pursue my vision without further delays.\n\nYour failure to act is not just a personal affrontit is a violation of the principles of fairness, equality and the right to property and opportunity enshrined in domestic and international laws.\n\n-- - 4. Violations of Global and Domestic Laws 4.1 Universal Human Rights Violations Your actions violate the principles enshrined in the Universal Declaration of Human Rights ( UDHR ) : Article 1 : Undermines my inherent dignity and right to equality.\n\nArticle 12 : Constitutes arbitrary interference with my privacy and reputation.\n\n4.2 GDPR Violations Your handling of sensitive consumer data violates the General Data Protection Regulation ( GDPR ), which mandates transparency, accountability, and the protection of consumer information.\n\n4.3 Fair Credit Reporting Act ( FCRA ) Violations Your actions contravene multiple provisions of the FCRA, including : 15 USC 1681e ( b ) : Failure to maintain reasonable accuracy.\n\n15 USC 1681i ( a ) : Refusal to investigate and correct errors within the required timeframe.\n\n4.4 Additional International Authorities To ensure accountability, I reserve the right to escalate this matter to the following global entities : The Organization for Economic Cooperation and Development ( OECD ) : To address systemic failures in consumer data protection.\n\nThe International Criminal Police Organization ( Interpol ) : For oversight of cross-border data breaches and fraudulent activities.\n\nThe International Court of Justice ( ICJ ) : For violations of universal human rights and negligence impacting global citizens.\n\nArticle Section : Strategic Advocacy for Justice on an International Stage While it is widely understood that the International Court of Justice ( ICJ ) predominantly handles disputes between states, its overarching mission is to uphold principles of international law, including those enshrined in the Universal Declaration of Human Rights ( UDHR ) and other globally recognized frameworks. The systemic failures, negligence, and retaliatory actions by XXXX, Experian, and XXXX could, under certain conditions, attract attention within this international legal context due to their far-reaching consequences. \n\nXXXX. Acknowledgment of ICJ Jurisdiction The ICJs primary jurisdiction is to resolve disputes between states and interpret international treaties. It does not directly adjudicate individual complaints against private corporations or entities. However, when systemic negligence by corporations affects fundamental human rights or violates international norms, states themselves XXXX take an interest in such cases, especially if : The violations impact their citizens ( e.g., as in the case of data breaches involving global consumers ).\n\nThe actions of these corporations undermine international frameworks such as the UDHR, OECD Guidelines, or GDPR.\n\n2. Demonstrating Global Impact and Negligence The actions of these CRAs, particularly their : Data breaches, which exposed millions of individuals to identity theft globally, Failure to maintain accurate data, undermining consumer financial opportunities, Retaliatory practices and systemic negligence,... are not just localized U.S. issues but reflect a broader global failure in protecting data privacy, consumer rights, and financial dignity. These are concerns that extend beyond borders and could warrant international scrutiny.\n\n3. Framework for Strategic Escalation While direct appeal to the ICJ might not be immediately actionable, the following strategies could potentially bring international attention to these systemic failures : Collaboration with International Advocacy Groups : Partnering with organizations focused on privacy rights and financial justice to raise awareness about the global implications of these CRAs ' actions.\n\nLeveraging International Oversight Mechanisms : Invoking guidelines and principles outlined by bodies like the OECD, United Nations Office of the High Commissioner for Human Rights ( OHCHR ), and International Consumer Protection and Enforcement Network ( ICPEN ).\n\nEncouraging State-Level Engagement : States whose citizens are affected by these systemic failures might find grounds to pursue a case if violations of international treaties or agreements are evident.\n\n4. The Principle of Accountability on a Global Stage By failing to safeguard sensitive data, uphold accuracy, and prevent retaliation, these CRAs have not only violated U.S. laws but also undermined the universal principles of fairness, justice, and privacy. These are fundamental human rights recognized globally, and systemic violations of this magnitude demand accountability.\n\nWhile a direct ICJ appeal may not currently fall within its jurisdiction, the scale of these violationsspanning multiple countries and impacting millionswarrants consideration by relevant state actors and global oversight organizations.\n\n5. A Tactical Reminder to the CRAs This is a message not only to advocate for justice but to remind the CRAs that : Consumers are increasingly aware of their rights and avenues for justice, both domestically and internationally. \n\nEvery negligent action has ripple effects that can trigger broader oversight and scrutiny. \n\nIgnoring systemic violations can escalate into a global issue, and the consequences of such escalation may extend far beyond financial penalties. \n\n\nThe XXXX XXXX  XXXX ( XXXX ) : To highlight the economic barriers your practices have imposed on aspiring entrepreneurs. \n\nThe United Nations Commission on International Trade Law ( UNCITRAL ) : To address the suppression of trade and economic opportunities resulting from your failures.\n\nYour systemic negligence and violations are not just a domestic issuethey are a global crisis.\n\n-- - 5. A Moral and Legal Imperative Your actions violate both moral principles and legal obligations, undermining the foundational values of justice and fairness. \n\nMoral Principles The Golden Rule, as taught by XXXX XXXX, commands : So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets. ( XXXX XXXX ) Would you tolerate having your financial stability systematically eroded, your aspirations obstructed, and your grievances ignored? Imagine being trapped in a cycle of frustration and harm caused by those entrusted with safeguarding your rights exercising fairness as prescribed in FCRA Laws & Regulations. \n\nLegal Obligations In addition to violating moral principles, your actions also contravene domestic and international laws, including but not limited to : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of credit reports.\n\n15 USC 1681i ( a ) : Ignoring your obligation to investigate and correct disputes.\n\n15 USC 1681n and 1681o : Demonstrating willful and negligent noncompliance with federal statutes.\n\nUniversal Declaration of Human Rights ( UDHR ) : Articles 12 and 17, protecting individuals from arbitrary interference with privacy and ensuring their right to own and control property. \n\n\nBy disregarding these legal mandates, you have inflicted measurable harm on my financial stability, credibility, and well-being. These failures constitute not only a dereliction of duty but also a breach of trust that can not go unanswered. \n\nThe Intersection of Morality and Law Both moral and legal frameworks demand that you act with integrity, fairness, and accountability. Your actions, however, reflect a blatant disregard for these principles, perpetuating harm instead of providing the protections you are legally and ethically bound to uphold. \n\n6. Proposed Resolutions To restore fairness and justice, I demand the following actions : 1. Comprehensive Audit and Rectification : Permanently delete all inaccuracies from my credit report.\n\n2. Transparency and Accountability : Provide a full explanation of methodologies and scoring algorithms used.\n\nReverse retaliatory score changes.\n\n3. Compensation for Damages : Financial reparations for increased interest rates, denied opportunities, and emotional distress.\n\n4. Compliance with Global Standards : Align your practices with GDPR, UDHR, and other international standards.\n\n5. Oversight and Reform : Independent audits to ensure future compliance with laws and regulations.\n\nStrategic Escalation : A Stand Against Modern Tyranny Throughout history, the struggle for fairness and justice has often required standing up to those in power who abuse their authority. The Founders, in their declaration against XXXX XXXX XXXX XXXX, expressed a sentiment that resonates profoundly with my situation : When a long train of abuses and usurpations, pursuing invariably the same Object, evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nFor years, I have endured the consequences of your systemic failuresyour willful negligence in addressing data breaches, your retaliatory manipulation of my credit score, and your blatant disregard for accuracy and accountability. These actions mirror the oppressive behavior of XXXX XXXX, who ignored the grievances of the colonists, suppressed their aspirations, and violated their inherent rights. \n\nYour actions are no different. By obstructing my access to fair credit, you have systematically eroded my financial stability, hindered my ability to pursue entrepreneurial aspirations, and denied me the opportunity to build a better future for myself and my family. \n\n-- - The Founders Principles and Your Violations The Founders envisioned a nation where life, liberty, and the pursuit of happiness would be inalienable rights. Your systemic negligence and retaliatory practices directly contravene these ideals by : Suppressing My Pursuit of Happiness : By maintaining false accounts and suppressing my credit score, you have obstructed my ability to pursue a stable financial future and launch my business. \n\nEroding My XXXX XXXX : Your inaction has trapped me in a cycle of financial instability, preventing me from achieving independence. \n\nEndangering My Economic Life : Data breaches exposing sensitive information have put my personal and financial security at risk, subjecting me to identity theft and other long-term consequences. \n\n\nJust as the Founders stood against the XXXX  of XXXX XXXX, I will not tolerate the continued abuses of power and negligence by your organizations. \n\n\n-- - My Entrepreneurial Vision : A Story of Aspiration Blocked by Tyranny I have spent years crafting a business plan to launch an XXXX venture that offers diverse, high-quality products to consumers. My vision is XXXX of innovation, economic independence, and a brighter future for my family. Yet, your systemic failures have kept me shackled, denying me access to fair credit opportunities and the resources I need to bring this dream to life. \n\nYour actions have placed unnecessary obstacles in my path, delaying my progress and diminishing my ability to contribute meaningfully to my community and the economy. By suppressing my financial credibility, you are not only violating my rights but also hindering a legitimate opportunity to succeed and thrive. \n\n-- - Strategic Escalation : If You Fail to Act Responsibly As far I am aware this section may be Relevant mostly to Experian because of its European Physical Presence. Or I may be wrong as the saying goes \" you don't know, what you don't know! '' While I am prepared to escalate this matter to domestic and international authorities, I must emphasize that this step will only be necessary if you fail to rectify your gross, willful negligent errors. Your refusal to take responsibility leaves me no choice but to pursue all available avenues to demand accountability, including : 1. Engagement with European Authorities Filing complaints with the Irish Data Protection Commission ( DPC ) and the European Data Protection Board ( EDPB ) regarding Experians GDPR violations and systemic failures.\n\nWhile the European Data Protection Board ( EDPB ) focuses on enforcing the General Data Protection Regulation ( GDPR ) to protect the data privacy and rights of individuals across Europe, the actions of the CRAsincluding multiple catastrophic data breachesstand in stark contrast to these principles.\n\nAs my case primarily concerns the U.S.-based operations of XXXX, Experian, and XXXX, their catastrophic data breaches and systemic negligence have global implications, including violations of principles enforced under the General Data Protection Regulation ( GDPR ). These breaches compromised sensitive data of millions worldwide, including potentially XXXX residents, and reflect a failure to meet the basic standards of accountability demanded by the international community. \n\nNegligence and Breaches : Over the years, XXXX, Experian, and XXXX have repeatedly failed to safeguard sensitive personal data, compromising the privacy of millions worldwide. \n\nSystemic Malpractice : In addition to breaches, these agencies have engaged in retaliatory practices, false reporting, and a blatant disregard for consumer rightsviolations that conflict with GDPRs core principles of transparency, accountability, and fairness. \n\n\nThe European Connection : Experians Headquarters in XXXX, XXXX It is important to note that Experians global headquarters are located in XXXX, XXXX. This places Experian directly under the jurisdiction of the GDPR, enforced by the Irish Data Protection Commission ( DPC ) in coordination with the EDPB.\n\nThis European connection is significant because : 1. GDPR Obligations : As a European-headquartered company, Experian must ensure data accuracy, protect personal data, and honor consumer rights globally, including in the United States .\n\n2. Cross-Border Implications : The data breaches and systemic negligence exhibited by Experian have global consequences, impacting not only U.S. citizens but also individuals in Europe and beyond.\n\nStrategic Escalation Given Experians European ties, I am prepared to explore the following actions : Engaging European Authorities : Submitting detailed complaints to the Irish Data Protection Commission and the EDPB, emphasizing Experians systemic failures and violations of GDPR principles. \n\nPartnering with Advocacy Groups : Collaborating with privacy and consumer protection organizations in Europe to amplify this issue on a global stage.\n\nLeveraging Public Awareness : Raising awareness of Experians malpractice in Europe, where GDPR enforcement is robust and consumer rights are prioritized.\n\nThe CRAs must recognize that their actions have global repercussions, and their negligence can not be shielded by national borders. I will take every available avenueboth domestic and internationalto ensure accountability and justice.\n\n2. Collaboration with Global Advocacy Groups Partnering with privacy and consumer rights organizations to amplify the global implications of your negligence.\n\n3. Public Awareness Campaigns Launching media campaigns to expose your actions in XXXX and the XXXX, leveraging GDPR enforcement standards to highlight your systemic failures.\n\n4. Exploration of Legal Avenues Investigating opportunities for collective legal action and state-level interventions to hold your organizations accountable.\n\n4. A Tactical Signal to the CRAs This section is a reminder to XXXX, Experian, and XXXX that : The standards of accountability and responsibility are not limited by borders. \n\nContinued systemic negligence and failure to comply with globally recognized data protection principles could escalate to international oversight. \n\nConsumers like me are prepared to advocate for justice on a global scale, ensuring their actions face scrutiny beyond U.S. jurisdiction.\n\n-- - A Final Warning : Justice Will Prevail The Founders fought to secure the rights to life, liberty, and the pursuit of happiness for every individual. Your actions betray these principles, echoing the oppressive practices of XXXX XXXX. \n\nThis is your final opportunity to : Acknowledge your gross, willful negligence. \n\nRectify the harm you have caused by removing false accounts, correcting inaccuracies, and restoring my credit score. \n\nDemonstrate accountability by implementing meaningful reforms to prevent future harm. \n\n\nFailure to act responsibly will result in swift escalation, invoking the authority of domestic and international oversight bodies to ensure justice is served. My resolve is unwavering, and I will not rest until accountability is achieved. \n\n-- - XXXX. A Closing Call for Justice : The Time for Accountability is Now Your systemic negligence, retaliatory actions, and deliberate obstruction of my rights have created a ripple effect of harm, not only to my family and me but also to the very principles upon which this nation and the global community are built. \n\nYour actions are not isolated failuresthey are a betrayal of XXXX  XXXX, the Declaration of Independence, and the fundamental values enshrined in international human rights laws. You have willfully suppressed my ability to rise above adversity, stifling my potential to provide for my family, contribute to my community, and achieve the prosperity promised by the pursuit of happiness.\n\nThis is more than a personal grievance. It is a call for systemic change and immediate accountability. If decisive action is not taken to rectify the profound harm caused, I will have no choice but to escalate this matter to : 1. The Organization for Economic Cooperation and Development ( OECD ). Guidelines for Multinational Enterprises : These guidelines address corporate responsibility, including fair business practices and transparency.\n\n2. United Nations Human Rights Council ( UNHRC ) : Particularly its focus on privacy as a human right.\n\n3. The United Nations Office of the High Commissioner for Human Rights ( OHCHR ).\n\n4. World Trade Organization ( WTO ) : If systemic corporate actions are seen as barriers to trade or economic opportunities.\n\n5. International Consumer Protection and Enforcement Network ( ICPEN ) : A global network that coordinates consumer protection enforcement.\n\n6. United Nations Office of the High Commissioner for Human Rights ( OHCHR ) : Oversees the enforcement of international human rights treaties, including the Universal Declaration of Human Rights ( UDHR ).\n\nViolations of Article 12 ( Right to Privacy ) or Article 23 ( Right to Work and Economic Opportunities ) Your institutions tyranny will not go unchecked. Every delay in resolving these injustices compounds the harm done, further solidifying your position as enablers of systemic inequality and suppression. The era of unaccountability is over.\n\nI demand that you : Take immediate corrective action to address the systemic failures outlined in this letter. \n\nProvide a public acknowledgment of the harm caused by your negligence and retaliatory practices. \n\nImplement reforms to ensure no other consumer endures the hardships you have inflicted upon me. \n\n\nTo quote the Declaration of Independence : When a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nYour tyranny has gone unchecked for too long. The time for accountability, transparency, and reform is now. \n\nFailure to act decisively will be met with immediate escalation to all appropriate national and international authorities & the Media. The world is watching. \n\n\nYour actions have violated laws, rights, and ethics. The time to restore justice is now. The world is watching. \n\nSincerely, XXXX","date_sent_to_company":"2025-01-21T08:40:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02125","tags":null,"has_narrative":true,"complaint_id":"11605481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T08:18:04.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["the years you have consistently and systemically blocked and suppressed my access to my <em>Consumer</em> <em>Credit</em> <em>report</em> and <em>Credit</em> score and used all kinds dirty tactical moves to not only prevent but barr not only me but also multiple <em>Credit</em> <em>Repair</em> Agencies that I have hired throughout the years to 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