{"took":85,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":127,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3809988","_score":22.487644,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports","date_sent_to_company":"2020-08-24T07:03:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"3809988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-24T03:03:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On XXXX I sent letter addressing the <em>problems</em> on my <em>credit</em> and I still have heard no response at all from the <em>credit</em> bureaus. <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>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[22.487644,"3809988"]},{"_index":"complaint-public-v1","_id":"3809970","_score":22.48178,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX I sent letter addressing the problems on my credit and I still have heard no response at all from the credit bureaus. Credit reporting, credit repair services, or other personal consumer reports","date_sent_to_company":"2020-08-24T07:03:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92201","tags":null,"has_narrative":true,"complaint_id":"3809970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-24T02:49:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On XXXX I sent letter addressing the <em>problems</em> on my <em>credit</em> and I still have heard no response at all from the <em>credit</em> bureaus. <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>"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[22.48178,"3809970"]},{"_index":"complaint-public-v1","_id":"2488249","_score":20.102678,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve","date_sent_to_company":"2017-05-18T18:36:13.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2488249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-18T18:30:26.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : <em>Problem</em> with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve"],"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>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.102678,"2488249"]},{"_index":"complaint-public-v1","_id":"2491655","_score":19.332888,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser","date_sent_to_company":"2017-05-23T16:25:29.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2491655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-23T16:16:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE Incorrect information on your <em>report</em> We received your complaint. Thank you.     We will review your complaint."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's investigation into an existing issue"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.332888,"2491655"]},{"_index":"complaint-public-v1","_id":"13994567","_score":18.534271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : Problem with a credit reporting companys investigation into an existing problem What is your complaint about? \nI am unable to access my Experian credit report or contact their customer support. Experian is reporting information on my credit file, yet they have restricted my access unless I become a paid member, which is both unethical and possibly unlawful. \n\nI attempted to use their online portal, including XXXX, but the report is inaccessible and I received an error message. I also tried calling their customer service number, but it automatically disconnects me after directing me to try again later. \n\nAt this point, I am being denied my legal right to access and review the information being reported about me, and I have no way of verifying its accuracy or disputing errors.","date_sent_to_company":"2025-06-10T18:51:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"13994567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-10T18:47:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CFPB Complaint Sample <em>Credit</em> <em>Report</em> Access Blocked by Experian Complaint Type : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Sub-category : <em>Problem</em> with a <em>credit</em> <em>reporting</em> companys investigation into an existing <em>problem</em> What is your complaint about? \nI am unable to access my Experian <em>credit</em> <em>report</em> or contact their customer support."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.534271,"13994567"]},{"_index":"complaint-public-v1","_id":"5838899","_score":18.34783,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. \n\nThe bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. \n\nYour agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this \" Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. \n\nI would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. \n\nThank You XXXX XXXX","date_sent_to_company":"2022-08-03T11:56:52.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"68130","tags":null,"has_narrative":true,"complaint_id":"5838899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-03T11:38:19.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> This case has been open with Transunion for a month now, and I lack their response to get the <em>credit</em> <em>report</em> they used in my <em>credit</em> denial to XXXX  on XX/XX/2022."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's investigation into an existing issue"],"sub_product":["<em>Other</em> <em>personal</em> <em>consumer</em> <em>report</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[18.34783,"5838899"]},{"_index":"complaint-public-v1","_id":"12768008","_score":16.8934,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Problem with a credit reporting companys investigation into an existing problem Complaint Details : I am a victim of identity theft, and a fraudulent account is appearing on my credit report. The details of the fraudulent account are as follows : Creditor Name : BK OF AMER ( Bank of America ) Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Derogatory Balance : {$1400.00} Payment Status : XXXX  Date Opened : XX/XX/year> I never opened this account, never signed any documents for it, and never made any payments on it. I have never had a credit card with Bank of America. This account is fraudulent and was opened without my authorization. \n\nI have taken the following steps to dispute this fraudulent account : Filed an identity theft report with the FTC. \n\nDisputed the account multiple times with the credit bureaus ( XXXX, XXXX, XXXX ). \n\nSent dispute letters to the credit bureaus requesting removal of this fraudulent account. \n\nDespite all my efforts, this fraudulent account has not been removed from my credit report. The credit bureaus have failed to correct this error, which is negatively affecting my credit standing.","date_sent_to_company":"2025-04-01T23:40:30.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"12768008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-01T23:27:44.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Complaint Category : <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> Subcategory : <em>Problem</em> with a <em>credit</em> <em>reporting</em> companys investigation into an existing <em>problem</em> Complaint Details : I am a victim of identity theft, and a fraudulent account is appearing on my <em>credit</em> <em>report</em>."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.8934,"12768008"]},{"_index":"complaint-public-v1","_id":"12756432","_score":16.885328,"_source":{"product":"Credit card","complaint_what_happened":"Complaint Category : Credit reporting, credit repair services, or other personal consumer reports Subcategory : Problem with a credit reporting companys investigation into an existing problem Complaint Details : I am a victim of identity theft, and a fraudulent account is appearing on my credit report with XXXX and XXXX. The details of the fraudulent account are as follows : Creditor Name : BK OF AMER ( Bank of America ) Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Derogatory Balance : {$10000.00} Payment Status : XXXX  Date Opened : XX/XX/year> I never opened this account, never signed any documents for it, and never made any payments on it. I have never had a credit card with Bank of America. This account is fraudulent and was opened without my authorization. \n\nI have already taken multiple steps to dispute this fraudulent account : Filed an identity theft report with the FTC. \n\nDisputed the account multiple times with XXXX and XXXX. \n\nSent dispute letters to both credit bureaus requesting removal of this fraudulent account. \n\nDespite my repeated disputes, XXXX and XXXX have failed to remove this fraudulent account from my credit report. This is negatively impacting my credit score and financial standing.","date_sent_to_company":"2025-04-01T23:47:02.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"46307","tags":null,"has_narrative":true,"complaint_id":"12756432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-04-01T23:40:40.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Complaint Category : <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> Subcategory : <em>Problem</em> with a <em>credit</em> <em>reporting</em> companys investigation into an existing <em>problem</em> Complaint Details : I am a victim of identity theft, and a fraudulent account is appearing on my <em>credit</em> <em>report</em> with XXXX and XXXX."],"product":["<em>Credit</em> card"],"issue":["Getting a <em>credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.885328,"12756432"]},{"_index":"complaint-public-v1","_id":"15233060","_score":16.809729,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : Experian Information Solutions , Inc .\n\nIssue : Inaccurate dispute records and improper recordkeeping under the Fair Credit Reporting Act ( FCRA ).\n\nProduct : Credit reporting, credit repair services, or other personal consumer reports. \nOn XX/XX/year>2025, I obtained my Experian credit report showing the status of a disputed XXXX XXXX XXXX  account. The dispute log for this account contains multiple entries labeled Invalid date instead of proper timestamps documenting dispute actions. \n\nThis is not an isolated problem I have other accounts with the same error in Experians system, indicating a systemic recordkeeping defect.\n\nThese Invalid date entries violate : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report.\n\nFCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation by not maintaining accurate dispute records, which are essential for verifying compliance with statutory requirements.\n\nThe inaccurate recordkeeping prevents me from verifying when dispute actions occurred and whether Experian met legal deadlines. This is critical to confirming whether the reinvestigation was lawful. \n\nAdditionally, the XXXX XXXX XXXX  account continues to be reported as charged off and past due despite being under active dispute, which is misleading and harmful to my credit profile.","date_sent_to_company":"2025-08-12T18:52:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"350XX","tags":null,"has_narrative":true,"complaint_id":"15233060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-12T18:33:57.000Z","state":"AL","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":["Issue : Inaccurate dispute records and improper recordkeeping under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ).\n\nProduct : <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>. \nOn XX/XX/year>2025, I obtained my Experian <em>credit</em> <em>report</em> showing the status of a disputed XXXX XXXX XXXX  account. The dispute log for this account contains multiple entries labeled Invalid date instead of proper timestamps documenting dispute actions."],"product":["<em>Credit</em> <em>reporting</em> or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.809729,"15233060"]},{"_index":"complaint-public-v1","_id":"3488495","_score":16.394821,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019, I submitted a personal check to my XXXX dealer to pay for vehicle repairs as I normally do. The cashier submitted my information to CrossCheck, Inc. to verify my check was valid. The response from CrossCheck, IncXXXX indicated the check number had already been used and the check I presented was not valid. ** I immediately contacted my bank to determine if there were any problems with my checking account or checks. The bank responded by telling me the check number had not been used, there were sufficient funds to cover the personal check, and there were no restrictions or limitations on my accounts. ** The cashier submitted my information to CrossCheck, Inc. again after I verified with my bank the check was valid. The cashier and I verified the information submitted to CrossCheck, Inc. contained no errors. Again, the CrossCheck, Inc. response indicated the check was not valid and declined the check. ** I called the CrossCheck, Inc. phone number for consumers/checkwriters, ( XXXX ) XXXX, to see why my personal check was declined. The number is simply a recorded message. The checkwriter can leave a phone message with their information but CrossCheck, Inc. takes up to15 days to respond. I then contacted Customer Service, ( XXXX ) XXXX ; however they will not talk to checkwriters. There is no representative a checkwriter can speak to determine why a check was declined or correct false information in a timely manner. There is no other timely method to contact them and determine the problem or corrective action. CrossCheck, Inc. is not accountable to consumer/checkwriters. See attachment 1 for CrossCheck, Inc. contact information. ** As a result of the declined check, I was unable to pay for the vehicle repairs with my personal check and retrieve my vehicle. The consequences of frivolously declining a check can be significant. I am fortunate I was in my home town and not traveling where I may not have had any resources. ** I followed up this event by requesting an annual credit report from CrossCheck , Inc . The CrossCheck, Inc. report stated that no negative data regarding me or my check writing history was found and that there was no negative data associated with me in Cross-checks data base. I can confidently conclude the information provided by CrossCheck, Inc. to my XXXX dealer regarding the validity of my personal check was false and misleading. See attachment 2 for a copy of the credit report. ** A review of the Consumer Financial Protection Bureau, Consumer Complaint Database ( www.consumerfinance.gov/complaint ) shows many complaints against CrossCheck , Inc . I have attached the consumer narrative of two complaints that are similar to mine. See attachment 3. Many of the complaints do not have a consumer complaint narrative that the public may view so I can not determine if there are more complaints similar to mine. I would guess there are many more complaints similar to mine that could be viewed by your office. XXXX The XXXX XXXX XXXX database shows a number of consumer/checkwriter complaints against CrossCheck, Inc., also. ** Conclusion : CrossCheck, Inc. provided false and misleading information to my XXXX dealer that indicated my personal check was not valid. My personal check was not accepted by my XXXX dealer as a result. \nMy personal check was valid based on my contact with my bank, my personal knowledge, and the CrossCheck, Inc. credit report. I have an excellent record of paying debts on time with valid checks. \nCrossCheck, Inc. does not have a timely process for correcting false information on checkwriters. They provide little accountability to consumers/checkwriters. \nCrossCheck, Inc. has re-occurring problems with issuance of false and misleading information against consumer/checkwriters based on a review of the Consumer Financial Protection Database and the XXXX XXXX XXXX","date_sent_to_company":"2020-01-07T19:42:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3488495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CrossCheck, Inc.","date_received":"2020-01-07T19:02:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["There is no <em>other</em> timely method to contact them and determine the <em>problem</em> or corrective action. CrossCheck, Inc. is not accountable to <em>consumer</em>/checkwriters. See attachment 1 for CrossCheck, Inc. contact information. ** As a result of the declined check, I was unable to pay for the vehicle <em>repairs</em> with my <em>personal</em> check and retrieve my vehicle. The consequences of frivolously declining a check can be significant."],"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>"]},"sort":[16.394821,"3488495"]},{"_index":"complaint-public-v1","_id":"3301670","_score":15.879667,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with fraud alerts or security freezes. \n\n\nPER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE FRAUD ALERT REMOVED! I NEVER REQUESTED A FRAUD ALERT. THE FRAUD ALERT IS BE SENT TO EXPERIAN FROM XXXX. EVERY TIME I DISPUTE SOMETHING ON MY XXXX CREDIT FILE, THEIR SYSTEM PUTS A FRAUD ALERT ON MY FILE AND SENDS THIS INFORMATION OVER TO EXPERIAN AND XXXX. HOWEVER, XXXX DOESN'T ADD THE FRAUD ALERT AS I'VE EXPLAIN THIS TO THEM AS WELL, BUT EXPERIAN ALLOWS FOR THE FRAUD ALERT TO BE PLACED ON MY FILE WITHOUT EVEN CONTACTING THE CONSUMER. THEN ME AS THE CONSUMER HAS TO GO THROUGH ALL THESE UNNECESSARY HOOPS TO HAVE THE FRAUD ALERT REMOVED. I'VE VISITED THEIR WEBSITE EXPERIAN.COM/UPLOAD TO UPLOAD MY I.D./BANK STATEMENT/LETTER REQUESTING TO REMOVE FRAUD WHICH THEY ALREADY HAVE ON FILE. BUT THEIR WEBITE IS NOT ACCEPTING MY DOCUMENTS, SO I AM GOING TO ATTACH THEM TO THIS COMPLAINT!!","date_sent_to_company":"2019-07-10T16:49:31.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"30060","tags":null,"has_narrative":true,"complaint_id":"3301670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-07-10T16:40:21.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE <em>Problem</em> with fraud alerts or security freezes. \n\n\nPER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE FRAUD ALERT REMOVED! I NEVER REQUESTED A FRAUD ALERT."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with fraud alerts or security freezes"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.879667,"3301670"]},{"_index":"complaint-public-v1","_id":"3001587","_score":15.600591,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting Step 2 Edit this section What type of problem are you having? \nISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes Step 3 What happened? \nRecently my FICO Score dropped significantly. XXXX XXXX referred me to XXXX and they explained that the negative data is reported by the XXXX XXXX Bank, an affiliate bank under the United Bankshares Holdings. Since our mortgage account was serviced by the XXXX bank ( bankingwithunited ) another affiliate of the United Bankshares Holdings, I think that a lack of information synchronization among the sister banks has caused the problem. Indeed, our mortgage account with the XXXX  bank was paid off in XX/XX/2016, the bank later sold our property to another mortgagor for 30 % higher price, but continued to charge our account for additional mortgages almost a year after they bought our property for the value of the balance, but did not release the loan from obligation. This all is a banking irregularity, which should not be affecting the customer. In this case, it seems the XXXX  bank got the property at the reduced price ( mortgage balance ), sold for a higher price ( made a profit ) but still wants to collect mortgages from the owner whose property was extorted. Not a respectable thing to do, but it is happening now. Maybe no, but the whole situation must be resolved. CFPB may help. \n\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \n\n\n\n\n\n\n\nEdit this section Step 4 Edit this section What company is this complaint about? \nCOMPANY INFORMATION United Bank-shares Holdings SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX OTHER INFORMATION ABOUT THIS COMPANY XXXX  bank XXXX XXXX, XXXX  Virginia XXXX XXXX Step 5 Edit this section What people are involved? \n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX United States I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint. \n\nThe information given is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. \nYou will not be able to attach documents or edit this complaint after you submit it. \nPlease make sure everything is accurate and complete before continuing. \n\nSubmit your complaint","date_sent_to_company":"2018-08-30T17:37:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20850","tags":"Older American","has_narrative":true,"complaint_id":"3001587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED BANKSHARES, INC.","date_received":"2018-08-25T00:53:44.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE <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> TYPE <em>Credit</em> <em>reporting</em> Step 2 Edit this section What type of <em>problem</em> are you having? \nISSUE Incorrect information on your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes Step 3 What happened? \nRecently my FICO Score dropped significantly."],"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":[15.600591,"3001587"]},{"_index":"complaint-public-v1","_id":"5773526","_score":15.517943,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address. It was never my address. \n\nIn response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to XXXX for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX XXXX. They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nXXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773526","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-14T13:32:38.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE Incorrect information on my <em>report</em> My complaint asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to identify the address of the XXXX XXXX claimant as being my recent address."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.517943,"5773526"]},{"_index":"complaint-public-v1","_id":"5773528","_score":15.026231,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Response to TransUnion Response to Credit Reporting Complaint TRANSUNION RESPONSE TO CREDIT MISREPRESENTATION COMPLAINT ID XXXX. SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the XXXX XXXX  claimant as being my recent address. It was never my address. \n\nIn response to my complaint, TransUnion sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from XXXX or one of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to beg for a rent voucher to take with CASH to a distant cash-transfer location ( XXXX XXXX XXXX XXXX ). They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because TransUnion failed to verify me, claiming a Social Security number conflict. To some companies, TransUnion reported that I had XXXX credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nTransUnion should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept TransUnions response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-07-14T13:15:51.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["SUBMITTED ON XX/XX/XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE Incorrect information on my <em>report</em> My complaint asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to identify the address of the XXXX XXXX  claimant as being my recent address."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.026231,"5773528"]},{"_index":"complaint-public-v1","_id":"5773533","_score":15.015012,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on my report My complaint asked the credit agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of credit history could be done unless I was able to identify the address of the New Jersey claimant as being my recent address. It was never my address. \n\nIn response to my complaint, XXXX sent me access to a questionnaire to fill out with detailed information about my credit history, and my personal information, including Social Security information. \n\nWhen I first learned of the credit companies misrepresenting my credit history in XXXX, I was asked to fill out such a questionnaire. At that time, I did give the credit companies access to all my personal information. I provided proof that my Social Security number belongs to me, but none of the credit agencies changed their misrepresentation in my credit report. XXXX claimed that the change could not be made because the information was a part of my credit history. It certainly was NOT a part of my credit history. My Social Security number has never belonged to anyone but me. The credit agencies would not change their fraudulent verification data in their computer system. The large number of credit agency information breaches justifies the Social Security Agency refusal to provide consumer data ( SSNs ) to credit agencies. \n\nThe questionnaire was a distraction. If I trust them again with all my private information, they do nothing to repair their fraudulent credit report. This was proven in XXXX. \n\nCRAs do not collect information from consumers, but rather collect it from businesses, including credit card companies, banks, employers, landlords, and others. When an individual applies for credit, the lender will pull their credit report from Equifax or XXXX of the other CRAs to see if they have a history of repaying their debts. \n\nWhen consumers make a dispute, they often fail to get an adequate answer, or any answer at all, from the credit reporting company. \n\nSince XXXX, I found other irregularities. I was unable to open credit union accounts or get credit. For example, XXXX would have allowed me to put money into an account, but not to take money out ). My current landlord forces me to beg for a rent voucher to take with CASH to a distant cash-transfer location XXXX XXXX XXXX XXXX XXXX ).  They refuse to accept a check from a debit account, or to take cash to the rental company office in person. XXXX XXXX recently ( XX/XX/XXXX ) refused to open a XXXX XXXX deposit account for me because XXXX failed to verify me, claiming a Social Security number conflict. To some companies, XXXX reported that I had zero credit. \nTo avoid further fraudulent reporting, I cancelled all my credit cards. I never had a problem with my credit history before. I never wanted to deal with fraudulent credit card companies again. \n\nXXXX should have reported that I froze my credit reporting due to the companies misrepresenting my credit history. \n\nI do not accept XXXX response as constructive. They already know that my Social Security number is mine. They purposely set up their verification process to use fraudulent information. This is their policy. Many consumer complaints describe this process. Prosecute the credit agencies for propagating fraudulent information in pursuit of profit.","date_sent_to_company":"2022-07-14T13:32:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20018","tags":"Older American","has_narrative":true,"complaint_id":"5773533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-14T13:32:38.000Z","state":"DC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRODUCT <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> ISSUE Incorrect information on my <em>report</em> My complaint asked the <em>credit</em> agencies to remove misinformation 1 ) that there was a conflict between me and a person with an XXXX XXXX  address claiming to have my Social Security number, and 2 ) that no verification of <em>credit</em> history could be done unless I was able to"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.015012,"5773533"]},{"_index":"complaint-public-v1","_id":"19926805","_score":14.829563,"_source":{"product":"Debt collection","complaint_what_happened":"Failure to Remove Deleted Collection Company : TransUnion Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-Issue : Account status is incorrect / Account should be deleted Description of Problem : I am filing this complaint against TransUnion for its failure to update my credit file following a furnisher 's agreement to delete derogatory information. \n\nThe Facts : Furnisher Deletion Agreement : On XX/XX/year>, the collection agency XXXX XXXX XXXX XXXX responded to my CFPB complaint ( ID # XXXX ) stating they would delete their collection account from all credit bureaus. \n\nSpecific Account Detail : The account in question is XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1000.00}. \n\nBureau Discrepancy : Both XXXX  and XXXX  have already complied with the deletion request and removed this tradeline. \n\nTransUnion Violation : As of my TransUnion credit report dated XX/XX/year>, this account is still appearing as \" Collection / Charge-Off '' with the full {$1000.00} balance ( Ref : Page XXXX of my TransUnion file ). \n\nBy continuing to report a collection that the furnisher has officially withdrawn and deleted elsewhere, TransUnion is in violation of the FCRA requirement to maintain \" maximum possible accuracy. '' Resolution Requested : I demand the immediate and permanent deletion of the XXXX XXXX XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ) from my TransUnion credit report to match the records of the furnisher and the other major credit bureaus.","date_sent_to_company":"2026-03-03T14:29:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"875XX","tags":"Older American","has_narrative":true,"complaint_id":"19926805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-03-03T14:19:43.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Failure to Remove Deleted Collection Company : TransUnion Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : Incorrect information on your <em>report</em> Sub-Issue : Account status is incorrect / Account should be deleted Description of <em>Problem</em> : I am filing this complaint against TransUnion for its failure to update my <em>credit</em> file following a furnisher 's agreement to delete derogatory information."],"sub_product":["<em>Other</em> debt"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.829563,"19926805"]},{"_index":"complaint-public-v1","_id":"19926809","_score":14.819121,"_source":{"product":"Debt collection","complaint_what_happened":"Failure to Remove Deleted Collection Company : XXXX  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-Issue : Account status is incorrect / Account should be deleted Description of Problem : I am filing this complaint against XXXX  for its failure to update my credit file following a furnisher 's agreement to delete derogatory information. \n\nThe Facts : Furnisher Deletion Agreement : On XX/XX/year>, the collection agency Vance & Huffman LLC responded to my CFPB complaint ( ID # XXXX ) stating they would delete their collection account from all credit bureaus. \n\nSpecific Account Detail : The account in question is VANCEHUFFMAN, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a reported balance of {$1000.00}. \n\nBureau Discrepancy : Both XXXX  and XXXX  have already complied with the deletion request and removed this tradeline. \n\nTransUnion Violation : As of my XXXX  credit report dated XX/XX/year>, this account is still appearing as \" Collection / Charge-Off '' with the full {$1000.00} balance ( Ref : Page XXXX of my XXXX  file ). \n\nBy continuing to report a collection that the furnisher has officially withdrawn and deleted elsewhere, XXXX  is in violation of the FCRA requirement to maintain \" maximum possible accuracy. '' Resolution Requested : I demand the immediate and permanent deletion of the Vance & Huffman LLC account ( XXXX XXXX XXXX XXXX XXXX ) from my XXXX  credit report to match the records of the furnisher and the other major credit bureaus.","date_sent_to_company":"2026-03-03T14:29:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"875XX","tags":"Older American","has_narrative":true,"complaint_id":"19926809","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"V and H Portfolio","date_received":"2026-03-03T14:29:29.000Z","state":"NM","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Failure to Remove Deleted Collection Company : XXXX  Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : Incorrect information on your <em>report</em> Sub-Issue : Account status is incorrect / Account should be deleted Description of <em>Problem</em> : I am filing this complaint against XXXX  for its failure to update my <em>credit</em> file following a furnisher 's agreement to delete derogatory information."],"sub_product":["<em>Other</em> debt"]},"sort":[14.819121,"19926809"]},{"_index":"complaint-public-v1","_id":"3701481","_score":14.553396,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint involves EXPERIAN : I submitted the complaint below and experian fraudulently provided the following response, \" Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' I am requesting Experian provide the bases for their allegation the complaint was not authorized by me. This is another example of Experian 's obfuscation in dealing with credit matters in good faith and validates they are unmitigated liars in all their conduct, on information or belief. Experian appears to represent an ongoing criminal enterprise in which they conspire with the lenders to inflate credit scores, interest rates which in turn negatively impacts the national economy. \n____________________________________________________________________l Previously submitted complaint Experian failed to investigate.\n\nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported. \n\nATTACHMENTS Credit Cards.pdf ( 125.9 KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting What type of problem are you having? \n\nISSUE Problem with a credit reporting company 's investigation into an existing problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes What happened? \nThis complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \n\n\n\n\n\n\nWhat would be a fair resolution to this issue? \nI am seeking a fair resolution to have all three of the attached accounts reported on each of my three credit bureau reports. All of the cards reflect favorably to my credit score, Without these accounts being reported, my scores are being artificially XXXX  thereby increasing my cost of credit. With 40.5 million people out of work, the three credit bureaus should be doing more to help and assist, but I believe their primary  client, the financial industry are their main concern. \n1 attachment View uploaded documents by clicking on the file name Credit Cards.pdf ( 125.9 KB )  What company is this complaint about? \nCOMPANY INFORMATION EXPERIAN SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX ADDITIONAL COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \ntrue ATTEMPTED TO FIX WITH THIS COMPANY? \nYes ADDITIONAL CREDIT REPORTING COMPANY XXXX  SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? \nYes ATTEMPTED TO FIX WITH THIS COMPANY? \nYes What people are involved? \n\nYOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX United States Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, \" if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. You also may write to us at the address on your Experian personal credit report. Be sure to include the following information : Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible and displays your name and current mailing address and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions, or postal service forwarding orders as proof of your address and identity. To protect your personal information, Experian requires your authorization for any request on your behalf and we do not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Include the account name and number for any item on your credit report that you wish to dispute, and state the specific reason why you feel the information is inaccurate. The dispute process may take up to 30 days ( 45 days when disputing information in your annual free credit report ). Once we complete the processing of your dispute, we will promptly notify you of the outcome. In addition, there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2020-06-16T19:17:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37075","tags":null,"has_narrative":true,"complaint_id":"3701481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-06-16T19:07:15.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["ATTACHMENTS <em>Credit</em> Cards.pdf ( 125.9 KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE <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> TYPE <em>Credit</em> <em>reporting</em> What type of <em>problem</em> are you having? \n\nISSUE <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY? \nYes 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>"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.553396,"3701481"]},{"_index":"complaint-public-v1","_id":"4681104","_score":14.521051,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, my credit file has been corrupted with false and defamatory claims of debts I do not owe, which have been made against me without any prior notice, or any other legal process whatsoever. The purpose is to damage and destroy the quality of my life by inflicting financial harm against me causing my current FICO Score to plunge overnight from XXXX to XXXX, and credit applications once routinely approved are now being routinely declined. Each day the result is my direct loss of significant income and opportunity, at great personal cost with constant turmoil and unneeded stress. \n\nThe reason these false claims of debts have been included in my credit file is to extort payment from me for money I do not owe. In order to remove the false information from my credit file, and cause the false lower FICO Score to be restored with my legitimate higher FICO Score, I am being coerced and extorted by both TRANSUNION and the fraudulent creditor ( s ) for immediate payment so that I may obtain immediate relief from being declined an extension of credit at the time I need it the most. \n\nMy credit applications are now being declined each day due solely to false claims of debts not owed, by fraudulent creditors misuse and abuse of the national credit bureau reporting system, in concert and support with TRANSUNION. TRANSUNION permits false and fraudulent information into the credit bureau reporting system in order to cause credit problems for consumers, and then uses coercion and extortion to force those same consumers into a TRANSUNION {$19.00} per month credit repair subscription service for all eternity, to remove the very same credit problems caused by the false and fraudulent information permitted by TRANSUNION. \nIn addition, at the suggestion of my Bank, steps have been taken to protect both my funds and accounts from continued unauthorized withdrawal by the very same fraudulent creditor ( s ) acting in concert with TRANSUNION.","date_sent_to_company":"2021-08-31T16:02:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"766XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4681104","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-08-31T14:18:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["TRANSUNION permits false and fraudulent information into the <em>credit</em> bureau <em>reporting</em> system in order to cause <em>credit</em> <em>problems</em> for <em>consumers</em>, and then uses coercion and extortion to force those same <em>consumers</em> into a TRANSUNION {$19.00} per month <em>credit</em> <em>repair</em> subscription service for all eternity, to remove the very same <em>credit</em> <em>problems</em> caused by the false and fraudulent information permitted by TRANSUNION."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em>"],"issue":["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":[14.521051,"4681104"]},{"_index":"complaint-public-v1","_id":"2766480","_score":14.383297,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws. Fair Credit Act, Equal Opportunity Credit. as well Law of Agency all public, companies, administrators of credit associate with their name, standard, and rating having NO OTHER SOURCE to access or review credit. \nPlease help me resolve this problem. \nXX/XX/XXXX at XXXX XXXX Thank you for your response, I wrote requesting your group raise my credit score, I provided many repaid loans totaling some {$100000.00} to support my request. \nI did so for two reasons :.\n\n1. I am in need of vehicle to drive XXXX. \n2. I need to purchase a lot to move my RV home onto. It was damaged in storm XXXX, and no parks will accept in present condition, though livable. \nI am not satisfied with your answer, and to such degree I will request further assistance from CFPB, and even file on my own if nothing resolved. I believe there are thousands if not 100 's of thousands people suffering same indignity due to your neglect. \nAdditionally I find it offensive you force me to communicate via standard mail, especially in our era and age of immediate/ social media email, the new standard by any measure. \nI will argue in accordance to the Fair Credit Act, Equal Opportunity Lending that am entitled to fair and reasonable credit score, perhaps even a heightened one having paid/ satisfied some {$100000.00} and that you are obstructing it, and knowingly having provided documentation to your office. \nYour answer states \" We are a consumer credit reporting agency. We receive credit information from businesses that subscribe to our services and directly from the courts. We do not add data from private parties to our files since we would be unable to verify or maintain the data to keep it current '' I believe your answer places your group in violation of a number of laws, and for an number of reasons, The first being the Law of Agency, the ruling of assumption, association, via the determination of purchase power, the assumed profile companies, administrators, public makes about your credit rating determination, and what suggest about me, though I provide evidence to contrary. \nRegards XXXX XXXX","date_sent_to_company":"2017-12-28T15:25:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77539","tags":null,"has_narrative":true,"complaint_id":"2766480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-28T15:17:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : <em>Credit</em> <em>reporting</em>, <em>credit</em> <em>repair</em> services, or <em>other</em> <em>personal</em> <em>consumer</em> <em>reports</em> Issue : <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws."],"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"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[14.383297,"2766480"]},{"_index":"complaint-public-v1","_id":"3974054","_score":14.280611,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes TYPE OF ISSUE Information belongs to someone else mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.","date_sent_to_company":"2020-11-25T06:11:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43229","tags":null,"has_narrative":true,"complaint_id":"3974054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-25T01:11:48.000Z","state":"OH","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 following phone numbers are not PRODUCT OR SERVICE <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> TYPE <em>Credit</em> <em>reporting</em> ISSUE Incorrect information on your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY?"],"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":[14.280611,"3974054"]},{"_index":"complaint-public-v1","_id":"3974052","_score":14.280611,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is XXXX XXXX. Please delete the following fraudulent addresses from my credit file:XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes TYPE OF ISSUE Information belongs to someone else mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX# XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.","date_sent_to_company":"2020-11-25T06:11:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43229","tags":null,"has_narrative":true,"complaint_id":"3974052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-11-25T01:11:48.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The following phone numbers are not PRODUCT OR SERVICE <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> TYPE <em>Credit</em> <em>reporting</em> ISSUE Incorrect information on your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY?"],"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>"]},"sort":[14.280611,"3974052"]},{"_index":"complaint-public-v1","_id":"3974050","_score":14.254979,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? \nYes TYPE OF ISSUE Information belongs to someone else mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.","date_sent_to_company":"2020-11-25T06:11:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43229","tags":null,"has_narrative":true,"complaint_id":"3974050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-11-25T01:03:35.000Z","state":"OH","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 following phone numbers are not PRODUCT OR SERVICE <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> TYPE <em>Credit</em> <em>reporting</em> ISSUE Incorrect information on your <em>report</em> HAVE YOU ALREADY TRIED TO FIX THIS <em>PROBLEM</em> WITH THE COMPANY?"],"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":[14.254979,"3974050"]},{"_index":"complaint-public-v1","_id":"5545382","_score":14.132747,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tired to fix this with the credit bureau, but have not got any where with XXXX, or Transunion, XXXX. I need help Getting through to these guys are like pulling teeth. I have also filed a Police Report Stating the fraud. IN ACCORDANCE WITH THE FAIR CREDIR REPORTER ACT XXXX  THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES I HAVE RIGHT TO PRIVACY15 USC 1681 SECTION 604 A SECTION 2. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH PROBLEM SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE CREDIT BUREAUS ARE NO HELP I EVEN TRIED TO PAY A CREDIT REPAIR COMPANY TO HELP BUT GOT NO WHERE!!!! PLEASE HELP ME GET THE ITEMS REMOVE FROM MY CREDIT REPORTS TRANSUION : Account nameXXXX XXXX  Account numbeXXXX Account nameXXXX XXXX Account numberXXXX Account nameXXXX XXXX XXXX Account XXXX  Account nameXXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Account nameXXXX XXXX Account XXXX  Inquiries XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance other than personal XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX","date_sent_to_company":"2022-05-05T18:30:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75069","tags":null,"has_narrative":true,"complaint_id":"5545382","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-05-05T18:24:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["ALSO STATES A <em>CONSUMER</em> <em>REPORTING</em> AGENCY CAN NOT FURNISH YOUR ACCUNTS WITHOUT MY WRITTEN CONSENT. I HAVE BEEN DOING WITH <em>PROBLEM</em> SINCE I WAS A CHILD, IN XXXX MY REAL FATHER WAS USING MY SSN TO GET BUY DIFFERENT THING IN MY NAME BECAUSE I AM A XXXX. PLEASE HELP ME... THE <em>CREDIT</em> BUREAUS ARE NO HELP I EVEN TRIED TO PAY A <em>CREDIT</em> <em>REPAIR</em> COMPANY TO HELP BUT GOT NO WHERE!!!!"],"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":[14.132747,"5545382"]},{"_index":"complaint-public-v1","_id":"3783716","_score":14.126198,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just Tuesday XX/XX/XXXX and was told that it was XXXX. On XX/XX/XXXX, I had problems logging into my Experian \" account ''. They kept calling via bot to my XXXX voice and did not give me the option for a text. Well, if you start speaking to a XXXX XXXX number, and do not follow the prompts, you will miss the opportunity to speak with the person whom you are trying to reach. They do that to make you give them your REAL cell phone number -- because they \" sell '' these numbers to other financial agencies and they wanted my REAL number for that  purpose -- they do not care about me as a consumer. I finally outed them on XXXX and I got someone to call me. Through their website, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them -- for some of the same reasons. I tried to get an \" annual report '' and they put some type of discrepancy on my report as if they are \" unsure '' of my zip code. So when I do apply for credit or try to get my lawful annual report, they don't immediately give it to me. \n\nThese people are not even a US based company and should not have access to so much consumer personal information. They are retaliating against me! They also told me if I wanted to add my yearly income that might help my FICO -- that just helps them sell more of my information. Your score is your score regardless! I think they want me to PAY for Experian \" boost ''. Credit bureaus should not be money-making organizations, because their goal is not to actually help the consumer -- they work against the consumer. \n\nI also see other things such as multiple hard inquiries that should not be there and an \" account '' from a company that was discharged when I filed bank on my report that should not be there. They are clearly retaliating! I have worked hard to repair my credit and one of the bureaus is working against me.","date_sent_to_company":"2020-08-07T13:42:39.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"716XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3783716","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-07T13:07:07.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Credit</em> bureaus should not be money-making organizations, because their goal is not to actually help the <em>consumer</em> -- they work against the <em>consumer</em>. \n\nI also see <em>other</em> things such as multiple hard inquiries that should not be there and an \" account '' from a company that was discharged when I filed bank on my <em>report</em> that should not be there. They are clearly retaliating! 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