{"took":84,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":108,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13994567","_score":17.418022,"_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 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."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[17.418022,"13994567"]},{"_index":"complaint-public-v1","_id":"4103848","_score":17.327583,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Capital One lied and did not remove the negative impact to my credit report. \nThey are also trying to put my business credit card past due again, despite us being shut down due to Covid and confirming that they would via email.\n\nSo in 7 days I will get ANOTHER False negative report on my credit. I'm very upset that I'm being treated this way and they are sending me false letters and not followingthrough with what they say and negativly impacting me. \n\nThis caused me to be unable to refinance my properties as well as get a home loan due the negative flags on my credit in 2020 after 8 months of calling this is still an issue. \n\nThey have consistently refused. \n\nThis is the original Complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report","date_sent_to_company":"2021-01-29T21:49:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92103","tags":null,"has_narrative":true,"complaint_id":"4103848","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2021-01-29T21:32:38.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This caused me to be unable to refinance my properties as well as get a home loan due the negative flags on my credit in 2020 after 8 months of calling this is still an issue. \n\nThey have consistently refused. \n\nThis is the original Complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.327583,"4103848"]},{"_index":"complaint-public-v1","_id":"5773526","_score":15.555761,"_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":["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."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"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"]},"sort":[15.555761,"5773526"]},{"_index":"complaint-public-v1","_id":"5773528","_score":15.067235,"_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":["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."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"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"]},"sort":[15.067235,"5773528"]},{"_index":"complaint-public-v1","_id":"5773533","_score":15.059733,"_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":["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."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.059733,"5773533"]},{"_index":"complaint-public-v1","_id":"3488495","_score":14.6100025,"_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 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."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.6100025,"3488495"]},{"_index":"complaint-public-v1","_id":"3657978","_score":14.330953,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is regarding regarding a previous complain with the reference number of : XXXX Experian waited the full 15 days allowed to then respond with a auto-responder to my case. Then the following day immediately they sent a canned message and considered the date closed. There was no investigation done. \n\nI will copy and paste a copy of their message here : Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. Our research indicates that you have contacted Experian to request a reinvestigation regarding disputed item ( s ). Therefore, at your request to begin a reinvestigation, we are in the process of contacting the data furnishers as needed to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. Please note that 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, to speak with a representative, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX, or by our document upload service : experian.com/upload. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.","date_sent_to_company":"2020-05-18T22:57:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94134","tags":null,"has_narrative":true,"complaint_id":"3657978","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-05-18T22:53:07.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"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"]},"sort":[14.330953,"3657978"]},{"_index":"complaint-public-v1","_id":"9472612","_score":14.075614,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have attached the comprehensive documentation submission for the CFPB and its Senior Leadership to review. This documentation was submitted to Equifax to remove adverse information that was a result of XXXX XXXX. I am asking that the leadership examine all documents and request that Equifax respond to the Consumer Financial Protection Bureau ( CFPB ) to specify the information that they are unable to verify, and why adverse information is still reflected on my credit report. \n\nI DID NOT give Equifax nor its representatives permission to access any of my sensitive personal health records to verify XXXX XXXX status. Equifax and its representatives are disobeying laws set by Congress as they are creating barriers to keep innocent Americans stuck in negative credit reporting. Equifax has declined my request to remove adverse information that resulted from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX stating that they are unable to verify XXXX XXXX XXXX status. \n\nPlease keep in mind that CFPB has taken regulatory and enforcement actions to strengthen the consumer reporting and furnishing systems. Consumer reporting companies failed to block or remove information related to XXXX XXXX. Examiners found that Equifax refused to honor consumer requests to block information associated with XXXX XXXX based on overbroad AND unauthorized criteria. In response to the CFPBs findings, the involved consumer reporting companies were required to take corrective actions. For example, CFPB examiners directed consumer reporting companies to revise their compliance processes to ensure that they process all XXXX XXXX block requests per the law. In XXXX, Congress passed the Debt Bondage Repair Act, forbidding consumer reporting agencies from including negative information related to XXXX XXXX XXXX XXXX in consumer reports. \n\nA consumer reporting agency may not make a determination based on the validity of the facts or circumstances in the consumers XXXX documentation submission. A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of information resulted from a XXXX XXXX XXXX XXXX in persons or XXXX XXXX under the Rule. A consumer reporting agency may only decline and rescind a block if a victim determination letter has NOT been provided. Equifax does not have the authority to dispute victim determination documents NOR conduct unauthorized verification of protected health information that a facility is not allowed to disclose under HIPAA rules and regulation. \n\nI should also mention that XXXX, who have followed the law set by Congress and signed by President Joe Biden, had everything completed by XX/XX/XXXX. XXXX prompt service has shown the barriers and harm that Equifax has created to not only harm me, but to others facing the same ordeal. Unacceptable.","date_sent_to_company":"2024-07-10T16:39:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"9472612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-10T16:23:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I am asking that the leadership examine all documents and request that Equifax respond to the Consumer Financial Protection Bureau ( CFPB ) to specify the information that they are unable to verify, and why adverse information is still reflected on my credit report. \n\nI DID NOT give Equifax nor its representatives permission to access any of my sensitive personal health records to verify XXXX XXXX status."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.075614,"9472612"]},{"_index":"complaint-public-v1","_id":"10652368","_score":13.947863,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I obtained an auto loan from XXXX XXXX XXXX ( CAC ) for a vehicle that, unbeknownst to me at the time of purchase, had significant mechanical issues. \n\nOver the course of ownership, the vehicle frequently broke down, requiring numerous costly repairs. Despite investing substantial funds into fixing the car, it continued to have recurring problems. By XX/XX/XXXX, the vehicle was no longer operational, and the cost to repair it exceeded its value and the remaining balance on the loan. Due to the financial burden of repairing a non-functional vehicle and compounded by a change in life and home income, I was unable to continue making payments. Consequently, the vehicle was repossessed once in XX/XX/XXXX. \n\nFrom XX/XX/XXXX to XX/XX/XXXX, XXXX reported the account as a repossession every single month on my credit reports. This repeated monthly reporting created the misleading appearance of multiple repossessions, rather than accurately reflecting the single repossession event. From XX/XX/XXXX to XX/XX/XXXX, XXXX did not furnish any data regarding this account. Then, in XX/XX/XXXX, XXXX reported another repossession, despite no additional repossession occurring. In XX/XX/XXXX, I settled the account in full, and XXXX is now showing the account as closed and settled for less than the full amount. \n\nI have filed multiple disputes with XXXX, Equifax, and XXXX, citing the inaccurate and misleading reporting of multiple repossessions. On XX/XX/XXXX, I discovered that my disputes were marked as completed without the expected corrections or removal. I contacted all three credit bureaus the same day, and representatives from each agreed that reporting consecutive months of repossession is misleading and not a fair or accurate representation of the situation. They initiated disputes on my behalf, yet XXXX continues to report inaccurately. \n\nXXXX 's reporting practices violate the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit bureaus must be accurate and complete. By repeatedly reporting the repossession and adding an additional repossession in XX/XX/XXXX, XXXX is providing false and misleading information that adversely affects my creditworthiness. \n\nThe consequences of XXXX 's actions have been severe : - Denied Housing : I was denied an apartment lease due to the negative impact on my credit report, despite meeting all other qualifications.\n\n- Limited Banking Access : For years, I had been unable to access traditional banking services, forcing me to rely on prepaid debit cards and depend on friends to make payments for bills that do not accept prepaid cards.\n\n- Credit Opportunities Blocked : I have been denied credit applications for personal loans and credit cards, limiting my financial flexibility and subjecting me to higher interest rates. \n\n- Emotional and Financial Stress : The inaccurate reporting has caused significant stress, hindering my ability to achieve financial stability and meet basic needs. \n\nOn XX/XX/XXXX, XXXX responded to my BBB complaint by insisting their reporting is accurate and stating they are within their rights to report the repossession as they have. They were dismissive of my concerns and did not acknowledge the misleading nature of their reporting practices. \n\nI have also become aware that XXXX is facing a class-action lawsuitConsumer Financial Protection Bureau and the People of the State of New York vs. Credit Acceptance Corporation , filed on XX/XX/XXXX, XXXX them of predatory practices and unfair reporting. This suggests a pattern of harmful tactics that align with my experience.","date_sent_to_company":"2024-11-01T22:24:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"933XX","tags":null,"has_narrative":true,"complaint_id":"10652368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-01T22:24:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["- Credit Opportunities Blocked : I have been denied credit applications for personal loans and credit cards, limiting my financial flexibility and subjecting me to higher interest rates. \n\n- Emotional and Financial Stress : The inaccurate reporting has caused significant stress, hindering my ability to achieve financial stability and meet basic needs."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[13.947863,"10652368"]},{"_index":"complaint-public-v1","_id":"10654353","_score":13.941228,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I obtained an auto loan from Credit Acceptance Corporation ( CAC ) for a vehicle that, unbeknownst to me at the time of purchase, had significant mechanical issues. \n\nOver the course of ownership, the vehicle frequently broke down, requiring numerous costly repairs. Despite investing substantial funds into fixing the car, it continued to have recurring problems. By XX/XX/XXXX, the vehicle was no longer operational, and the cost to repair it exceeded its value and the remaining balance on the loan. Due to the financial burden of repairing a non-functional vehicle and compounded by a change in life and home income, I was unable to continue making payments. Consequently, the vehicle was repossessed once in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, CAC reported the account as a repossession every single month on my credit reports. This repeated monthly reporting created the misleading appearance of multiple repossessions, rather than accurately reflecting the single repossession event. From XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CAC did not furnish any data regarding this account. Then, in XX/XX/XXXX, CAC reported another repossession, despite no additional repossession occurring. In XX/XX/XXXX, I settled the account in full, and CAC is now showing the account as closed and settled for less than the full amount. \n\nI have filed multiple disputes with XXXX XXXX XXXX XXXX, citing the inaccurate and misleading reporting of multiple repossessions. On XX/XX/XXXXXXXX XXXX XXXX I discovered that my disputes were marked as completed without the expected corrections or removal. I contacted all three credit bureaus the same day, and representatives from each agreed that reporting consecutive months of repossession is misleading and not a fair or accurate representation of the situation. They initiated disputes on my behalf, yet CAC continues to report inaccurately. \n\nCAC 's reporting practices violate the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit bureaus must be accurate and complete. By repeatedly reporting the repossession and adding an additional repossession in XX/XX/XXXX, CAC is providing false and misleading information that adversely affects my creditworthiness. \n\nThe consequences of CAC 's actions have been severe : - Denied Housing : I was denied an apartment lease due to the negative impact on my credit report, despite meeting all other qualifications. \n\n- Limited Banking Access : For years, I had been unable to access traditional banking services, forcing me to rely on prepaid debit cards and depend on friends to make payments for bills that do not accept prepaid cards.\n\n- Credit Opportunities Blocked : I have been denied credit applications for personal loans and credit cards, limiting my financial flexibility and subjecting me to higher interest rates. \n\n- Emotional and Financial Stress : The inaccurate reporting has caused significant stress, hindering my ability to achieve financial stability and meet basic needs. \n\nOn XX/XX/XXXX, CAC responded to my XXXX complaint by insisting their reporting is accurate and stating they are within their rights to report the repossession as they have. They were dismissive of my concerns and did not acknowledge the misleading nature of their reporting practices. \n\nI have also become aware that CAC is facing a class-action lawsuitConsumer Financial Protection Bureau and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXXaccusing them of predatory practices and unfair reporting. This suggests a pattern of harmful tactics that align with my experience.","date_sent_to_company":"2024-11-01T22:23:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"933XX","tags":null,"has_narrative":true,"complaint_id":"10654353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-11-01T21:32:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["By XX/XX/XXXX, the vehicle was no longer operational, and the cost to repair it exceeded its value and the remaining balance on the loan. Due to the financial burden of repairing a non-functional vehicle and compounded by a change in life and home income, I was unable to continue making payments. Consequently, the vehicle was repossessed once in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, CAC reported the account as a repossession every single month on my credit reports."],"product":["Credit reporting or other personal consumer reports"],"company":["CREDIT ACCEPTANCE CORPORATION"],"sub_product":["Credit reporting"],"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"]},"sort":[13.941228,"10654353"]},{"_index":"complaint-public-v1","_id":"10653875","_score":13.927387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I obtained an auto loan from XXXX XXXX XXXX ( XXXX ) for a vehicle that, unbeknownst to me at the time of purchase, had significant mechanical issues. \n\nOver the course of ownership, the vehicle frequently broke down, requiring numerous costly repairs. Despite investing substantial funds into fixing the car, it continued to have recurring problems. By XX/XX/XXXX, the vehicle was no longer operational, and the cost to repair it exceeded its value and the remaining balance on the loan. Due to the financial burden of repairing a non-functional vehicle and compounded by a change in life and home income, I was unable to continue making payments. Consequently, the vehicle was repossessed once in XX/XX/XXXX. \n\nFrom XX/XX/XXXX to XX/XX/XXXX, XXXX reported the account as a repossession every single month on my credit reports. This repeated monthly reporting created the misleading appearance of multiple repossessions, rather than accurately reflecting the single repossession event. From XX/XX/XXXX to XX/XX/XXXX, XXXX did not furnish any data regarding this account. Then, in XX/XX/XXXX, XXXX reported another repossession, despite no additional repossession occurring. In XX/XX/XXXX, I settled the account in full, and XXXX is now showing the account as closed and settled for less than the full amount. \n\nI have filed multiple disputes with Experian, XXXX, and XXXX, citing the inaccurate and misleading reporting of multiple repossessions. On XX/XX/XXXX, I discovered that my disputes were marked as completed without the expected corrections or removal. I contacted all three credit bureaus the same day, and representatives from each agreed that reporting consecutive months of repossession is misleading and not a fair or accurate representation of the situation. They initiated disputes on my behalf, yet XXXX continues to report inaccurately. \n\nXXXX 's reporting practices violate the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit bureaus must be accurate and complete. By repeatedly reporting the repossession and adding an additional repossession in XX/XX/XXXX, XXXX is providing false and misleading information that adversely affects my creditworthiness. \n\nThe consequences of XXXX 's actions have been severe : - Denied Housing : I was denied an apartment lease due to the negative impact on my credit report, despite meeting all other qualifications.\n\n- Limited Banking Access : For years, I had been unable to access traditional banking services, forcing me to rely on prepaid debit cards and depend on friends to make payments for bills that do not accept prepaid cards.\n\n- Credit Opportunities Blocked : I have been denied credit applications for personal loans and credit cards, limiting my financial flexibility and subjecting me to higher interest rates. \n\n- Emotional and Financial Stress : The inaccurate reporting has caused significant stress, hindering my ability to achieve financial stability and meet basic needs. \n\nOn XX/XX/XXXX, XXXX responded to my BBB complaint by insisting their reporting is accurate and stating they are within their rights to report the repossession as they have. They were dismissive of my concerns and did not acknowledge the misleading nature of their reporting practices. \n\nI have also become aware that XXXX is facing a class-action lawsuitConsumer Financial Protection Bureau and the People of the State of New York vs. Credit Acceptance Corporation , filed on XX/XX/XXXX, XXXXaccusing them of predatory practices and unfair reporting. This suggests a pattern of harmful tactics that align with my experience.","date_sent_to_company":"2024-11-01T22:24:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"933XX","tags":null,"has_narrative":true,"complaint_id":"10653875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-01T22:24:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["- Credit Opportunities Blocked : I have been denied credit applications for personal loans and credit cards, limiting my financial flexibility and subjecting me to higher interest rates. \n\n- Emotional and Financial Stress : The inaccurate reporting has caused significant stress, hindering my ability to achieve financial stability and meet basic needs."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"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"]},"sort":[13.927387,"10653875"]},{"_index":"complaint-public-v1","_id":"3627282","_score":13.887467,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted a complaint with CFPB against Experian for a violation of 15 USC 1681i. ( XXXX ) Experian 's response did not address the issues underlining the complaint which was deleting the account, because Experian failed to verify with the original creditor per FCRA 611 & 15 U.S. Code 1681i.Procedure in case of disputed accuracy. \" ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' \" ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ) '' Instead Experian responded to the CFPB complaint by stating they will contact the furnisher for the information. \" Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the three attachments, you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation we are in the process of contacting the data furnishers, as needed, to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. A national consumer credit reporting agency stores information from credit grantors, collection companies as well as public record information that includes bankruptcies, judgments and liens. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, with the exception of Chapters XXXX, XXXX and XXXX bankruptcies and unpaid tax liens, which remain for up to 10 years. A paid tax lien will remain for up to seven years from the date paid. Positive information may remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years. Please note that 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, to speak with a representative, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX, or by our document upload service : experian.com/upload. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. '' I did not ask for a re-investigation. I've already given Exerperian several opportunities to correct this error and delete it from my report for not being able to verify it. I've even sent documentation from the original creditor XXXX XXXX that they no longer have the account, therefore, could not verify any information on it. I requested a deletion not a re-investigation.","date_sent_to_company":"2020-04-28T20:53:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92021","tags":null,"has_narrative":true,"complaint_id":"3627282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-28T20:31:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"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"]},"sort":[13.887467,"3627282"]},{"_index":"complaint-public-v1","_id":"2145317","_score":13.302622,"_source":{"product":"Credit reporting","complaint_what_happened":"There is inaccurate data on my credit report which i would like to dispute. Experian does not except mail or telephone calls and has an online form. however when i enter my information it yields an error stating it can not locate my data. This happens several times when i dispute my report from experian. The other XXXX agencies go through fine. I am not looking for a copy of my report but disputing my report. How is it possible that they can get away with making the process impossible for you to repair your credit. What rights do consumers have if they can conduct business this way. The want me to pay money to dispute something on my credit report. This has to be illegal. \n\n\n\nExperian - A World of Insight We were unable to honor your request. If you entered your credit card information, we did not charge you. \n\nSending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, 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. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. \n\n\nMail this form, along with payment ( if applicable ) to : Experian XXXX XXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnight package without obtaining signature. \n\nYour identification information XXXX XXXX XXXX Social Security Number : ______________ XXXX XXXX XXXX Date of birth : XXXX/XXXX/XXXX XXXX MA XXXX Home telephone : XXXX Report number : N/A I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). \n\n[ ] Free annual credit report. \n\n[ ] Free credit report based on my state 's law. \n\n[ ] To purchase my credit report. \n\n[ ] To obtain my free report with my promotional code : ( enter code ). \n\n[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. \n[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below","date_sent_to_company":"2016-10-05T02:50:26.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"01832","tags":null,"has_narrative":true,"complaint_id":"2145317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-10-05T02:50:26.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["How is it possible that they can get away with making the process impossible for you to repair your credit. What rights do consumers have if they can conduct business this way. The want me to pay money to dispute something on my credit report. This has to be illegal. \n\n\n\nExperian - A World of Insight We were unable to honor your request. If you entered your credit card information, we did not charge you."],"product":["Credit reporting"],"issue":["Incorrect information on credit report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[13.302622,"2145317"]},{"_index":"complaint-public-v1","_id":"5677833","_score":13.036832,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2022 I submitted a complaint to the consumer financial protection bureau about a dispute I submitted through Experian about an account on my consumer credit report, XXXX XXXX XXXX NA. I asked Experian to validate this account. On XX/XX/2022, Experian updated my consumer report basically removing a late payment from XXXX XXXX XXXX NA. I never received any information as to how this account was validated. According to 15 U.S. Code 1692g ( b ) - ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. On XX/XX/2022 Experian responded back saying : Thank you for submitting your dispute on XX/XX/2022, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your dispute, you indicated that there is one inaccurate account. You are requesting the removal of this account. Our research indicates that you previously contacted Experian to request a reinvestigation regarding the disputed information. At your request to begin a reinvestigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The date furnisher has verified the accuracy of the disputed information. The results summary was sent to you XX/XX/2022, for review. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which XXXX include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. 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 Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload. 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 XXXXXXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian Thank you for submitting your dispute through the CFPB Portal . It is our policy to respond to consumer disputes swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian. \nI never asked Experian to verify this account, I ask them to validate this account. I have attached the document of the dispute I sent to Experian specifically stating to validate this account. If Experian can not validate this account, remove this account immediately.","date_sent_to_company":"2022-06-16T21:03:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"398XX","tags":null,"has_narrative":true,"complaint_id":"5677833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-16T20:53:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"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"]},"sort":[13.036832,"5677833"]},{"_index":"complaint-public-v1","_id":"2762232","_score":12.967706,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I GOT THIS BOGUS RESPONSE FROM EXPERIAN! \n\nThank you for submitting your complaint on XXXX XXXX, XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you have disputes with nine accounts on your credit report. You stated that the accounts are reporting inaccurate information or do not belong to you. You further stated that the method of verification used by Experian is not sufficient to correctly process your disputes. You also explained that one or more data furnishers have confirmed that they are providing correct information but that Experian is placing the inaccuracies on your report. You would like the disputed accounts and late payments removed from your report. At your request to begin an investigation of the named accounts, we contacted the data furnisher ( s ) and/or public record vendor ( s ) for the items in question and conveyed your disputes. The items are listed in the order in which they appear in your CFPB complaint. The first item was verified as accurate by the data furnisher The second item was verified as accurate by the data furnisher. Since then, the item has been deleted and no longer appears on your credit report. The third item was verified as accurate by the data furnisher The fourth item was verified as accurate by the data furnisher The fifth item was verified as accurate by the data furnisher The sixth item was verified as accurate by the data furnisher The seventh item was verified as accurate by the data furnisher The eighth item was verified as accurate by the data furnisher The ninth item was verified as accurate by the data furnisher An updated credit report was forwarded to you on XXXX XXXX, XXXX. Please allow up to ten days for delivery via XXXX. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a XXXX-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. 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. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. 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. 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":"2017-12-21T21:52:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"2762232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-21T21:42:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Personal information incorrect"]},"sort":[12.967706,"2762232"]},{"_index":"complaint-public-v1","_id":"3701481","_score":12.76338,"_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 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?"],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"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"]},"sort":[12.76338,"3701481"]},{"_index":"complaint-public-v1","_id":"2766480","_score":12.523504,"_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 : 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."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"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"]},"sort":[12.523504,"2766480"]},{"_index":"complaint-public-v1","_id":"8019262","_score":12.520384,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX the year of XXXX I learned of federal consumer protection laws. According to FCRA and my rights to privacy I have sent several disputes notices via certified mail receipt XXXX ; XXXX ; XXXX ; XXXX the credit reporting agency regarding inaccurate information that's been reported in my consumer report. With further understanding gained in my own free time and research it has come to my attention that my privacy has been continuously violated. I demand this matter be handled immediately. The audacity of non-compliance from reporting agency has tremendously affected my livelihood, judging my character, has made me seem as if I'm not creditworthy, lendable, just a complete embarrassment and downright humiliation. My performance as a consumer has been severally violated along with my financial stability. As a federally protected consumer I am seeking compensation for all violations and damages that have been intentionally acted against me {$2500.00} per violation and damages suffered {$1000.00} per reporting per month when disputes began. 15 USC 1681e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.\n\nThis company actions have caused great damage to my well-being and creditworthiness. In the moment 15 days ( about 2 weeks ) upon receipt of this complaint I the consumer providing this complaint demand all inaccurate reporting information to be deleted immediately. ( These accounts will be stated below ). This complaint is not to be construed as a credit repair company and or organization. According to 15 USC 1697c You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. I sent a disputed to investigate my consumer report out of curiosity and to update personal information such as name, address, work and remove all in accurate information. Ths company has sent correspondence, yet the reporting of inaccurate information remains the same. Following up with a re-investigation my disputes were still ignored the violations continued to reflect on my consumer report. Later I called the agents and used other means of communication to remove inaccurate reporting. A submission for cease and desist was given from me to the reporting agencies asking for proof of assumed signed documents of any written or oral agreements. No signed documents and or agreements giving them full authorization to disclose my personal information of said accounts below have been provided to me. Title 15 USC 1681i ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Company has completed no such action. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The attachments below will show an inaccurate re-investigation was not properly conducted as well as certified mail receipts sent. Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own credit union, several adverse action notices as to why I can't obtain any credit. \n\nAccounts : 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 XXXXXXXX Sayeth further not, this company DO NOT have my written/oral consent and or permission to furnish any information on my consumer report WITHOUT FIRST NOTIFING ME. I demand that these accounts cease and desist reporting immediately upon 15 ( fifteen ) days receipt of the complaint. I hereby hold thesed companies liable for all damages that has been brought upon me since XX/XX/XXXX. \n\n\n\nThe Fair Credit Reporting Act states in 15 USC sec. 6802 obligations with respect to disclosures of personal information, the importance of consumer reporting agencies conducting their duties in a fair, unbiased, and privacy-conscious manner. These companies have violated the laws as well as my privacy according to the Privacy Act 1974. 15 U.S. Code 6801a - Protection of nonpublic personal information in Addition late payments, charge-off, and repossessions are illegal according to 15 USC 1681A ( 2 ) ( a ) ( i ). Under congress law I was not granted my rights. I never gave written or oral consent to provide any information. Therefore, these violations have brought forth serious civil penalties against these credit reporting organizations. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. \n\n621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirement 's imposed under this title is specifically committed to some other Government agency under any of subparagraphs ( A ) through ( G ) of subsection ( b ) ( 1 ), and subject to subtitle B of the Consumer Financial Protection Act of XXXX, subsection ( b ). For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to 82 621 - 15 U.S.C. 1681s require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commissions may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. \n\n\nIf any further compliance is needed with providing proof of any kind, please feel free to contact me via email @ XXXX. Failure to comply with this request will leave me no choice but to seek further legal assistance with this matter. If these demands are not met, I shall seek further remedy for even more damages and hardship that has already been brought upon me along this repair journey. Your prompt compliance is expected to avoid further legal action. Thank you in advance foreseeing this matter.","date_sent_to_company":"2023-12-18T22:27:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"8019262","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-18T22:27:18.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own credit union, several adverse action notices as to why I can't obtain any credit."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your report improperly"]},"sort":[12.520384,"8019262"]},{"_index":"complaint-public-v1","_id":"8019856","_score":12.511514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Durning the year of XXXX I learned of federal consumer protection laws. According to FCRA and my rights to privacy I have sent several disputes notices via certified mail receipt XXXX ; XXXX ; XXXX ; XXXX the credit reporting agency regarding inaccurate information that's been reported in my consumer report. With further understanding gained in my own free time and research it has come to my attention that my privacy has been continuously violated. I demand this matter be handled immediately. The audacity of non-compliance from reporting agency has tremendously affected my livelihood, judging my character, has made me seem as if I'm not creditworthy, lendable, just a complete embarrassment and downright humiliation. My performance as a consumer has been severally violated along with my financial stability. As a federally protected consumer I am seeking compensation for all violations and damages that have been intentionally acted against me {$2500.00} per violation and damages suffered {$1000.00} per reporting per month when disputes began. 15 USC 1681e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. \n\n\n\nThis company actions have caused great damage to my well-being and creditworthiness. In the moment 15 days ( about 2 weeks ) upon receipt of this complaint I the consumer providing this complaint demand all inaccurate reporting information to be deleted immediately. ( These accounts will be stated below ). This complaint is not to be construed as a credit repair company and or organization. According to 15 USC 1697c You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. I sent a disputed to investigate my consumer report out of curiosity and to update personal information such as name, address, work and remove all in accurate information. Ths company has sent correspondence, yet the reporting of inaccurate information remains the same. Following up with a re-investigation my disputes were still ignored the violations continued to reflect on my consumer report. Later I called the agents and used other means of communication to remove inaccurate reporting. A submission for cease and desist was given from me to the reporting agencies asking for proof of assumed signed documents of any written or oral agreements. No signed documents and or agreements giving them full authorization to disclose my personal information of said accounts below have been provided to me. Title 15 USC 1681i ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Company has completed no such action. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The attachments below will show an inaccurate re-investigation was not properly conducted as well as certified mail receipts sent. Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own credit union, several adverse action notices as to why I can't obtain any credit. \n\nXXXX 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 XXXX XXXX XXXX further not, this company DO NOT have my written/oral consent and or permission to furnish any information on my consumer report WITHOUT FIRST NOTIFING ME. I demand that these accounts cease and desist reporting immediately upon 15 ( fifteen ) days receipt of the complaint. I hereby hold thesed companies liable for all damages that has been brought upon me since XX/XX/XXXX. \n\n\n\nThe Fair Credit Reporting Act states in 15 USC sec. 6802 obligations with respect to disclosures of personal information, the importance of consumer reporting agencies conducting their duties in a fair, unbiased, and privacy-conscious manner. These companies have violated the laws as well as my privacy according to the Privacy Act 1974. 15 U.S. Code 6801a - Protection of nonpublic personal information in Addition late payments, charge-off, and repossessions are illegal according to 15 USC 1681A ( 2 ) ( a ) ( i ). Under congress law I was not granted my rights. I never gave written or oral consent to provide any information. Therefore, these violations have brought forth serious civil penalties against these credit reporting organizations. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.\n\n621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirement 's imposed under this title is specifically committed to some other Government agency under any of subparagraphs ( A ) through ( G ) of subsection ( b ) ( 1 ), and subject to subtitle B of the Consumer Financial Protection Act of 2010, subsection ( b ). For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to 82 621 - 15 U.S.C. 1681s require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commissions may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.\n\nIf any further compliance is needed with providing proof of any kind, please feel free to contact me via email @ XXXX. Failure to comply with this request will leave me no choice but to seek further legal assistance with this matter. If these demands are not met, I shall seek further remedy for even more damages and hardship that has already been brought upon me along this repair journey. Your prompt compliance is expected to avoid further legal action. Thank you in advance foreseeing this matter.","date_sent_to_company":"2023-12-18T22:27:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"8019856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-18T21:32:06.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own credit union, several adverse action notices as to why I can't obtain any credit."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Reporting company used your report improperly"]},"sort":[12.511514,"8019856"]},{"_index":"complaint-public-v1","_id":"8019261","_score":12.4710455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX the year of XXXX I learned of federal consumer protection laws. According to FCRA and my rights to privacy I have sent several disputes notices via certified mail receipt XXXX ; XXXX ; XXXX ; XXXX the credit reporting agency regarding inaccurate information that's been reported in my consumer report. With further understanding gained in my own free time and research it has come to my attention that my privacy has been continuously violated. I demand this matter be handled immediately. The audacity of non-compliance from reporting agency has tremendously affected my livelihood, judging my character, has made me seem as if I'm not creditworthy, lendable, just a complete embarrassment and downright humiliation. My performance as a consumer has been severally violated along with my financial stability. As a federally protected consumer I am seeking compensation for all violations and damages that have been intentionally acted against me {$2500.00} per violation and damages suffered {$1000.00} per reporting per month when disputes began. 15 USC 1681e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. \n\n\n\nThis company actions have caused great damage to my well-being and creditworthiness. In the moment 15 days ( about 2 weeks ) upon receipt of this complaint I the consumer providing this complaint demand all inaccurate reporting information to be deleted immediately. ( These accounts will be stated below ). This complaint is not to be construed as a credit repair company and or organization. According to 15 USC 1697c You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. I sent a disputed to investigate my consumer report out of curiosity and to update personal information such as name, address, work and remove all in accurate information. Ths company has sent correspondence, yet the reporting of inaccurate information remains the same. Following up with a re-investigation my disputes were still ignored the violations continued to reflect on my consumer report. Later I called the agents and used other means of communication to remove inaccurate reporting. A submission for cease and desist was given from me to the reporting agencies asking for proof of assumed signed documents of any written or oral agreements. No signed documents and or agreements giving them full authorization to disclose my personal information of said accounts below have been provided to me. Title 15 USC 1681i ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Company has completed no such action. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The attachments below will show an inaccurate re-investigation was not properly conducted as well as certified mail receipts sent. Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own XXXX XXXX, several adverse action notices as to why I can't obtain any credit. \n\nAccounts : 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 XXXX Sayeth further not, this company DO NOT have my written/oral consent and or permission to furnish any information on my consumer report WITHOUT FIRST NOTIFING ME. I demand that these accounts cease and desist reporting immediately upon 15 ( fifteen ) days receipt of the complaint. I hereby hold thesed companies liable for all damages that has been brought upon me since XX/XX/XXXX. \n\n\n\nThe Fair Credit Reporting Act states in 15 USC sec. 6802 obligations with respect to disclosures of personal information, the importance of consumer reporting agencies conducting their duties in a fair, unbiased, and privacy-conscious manner. These companies have violated the laws as well as my privacy according to the Privacy Act 1974. 15 U.S. Code 6801a - Protection of nonpublic personal information in Addition late payments, charge-off, and repossessions are illegal according to 15 USC 1681A ( 2 ) ( a ) ( i ). Under congress law I was not granted my rights. I never gave written or oral consent to provide any information. Therefore, these violations have brought forth serious civil penalties against these credit reporting organizations. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. \n\n621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirement 's imposed under this title is specifically committed to some other Government agency under any of subparagraphs ( A ) through ( G ) of subsection ( b ) ( XXXX ), and subject to subtitle B of the Consumer Financial Protection Act of XXXX, subsection ( b ). For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to 82 621 - 15 U.S.C. 1681s require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commissions may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. \n\n\nIf any further compliance is needed with providing proof of any kind, please feel free to contact me via email @ XXXX. Failure to comply with this request will leave me no choice but to seek further legal assistance with this matter. If these demands are not met, I shall seek further remedy for even more damages and hardship that has already been brought upon me along this repair journey. Your prompt compliance is expected to avoid further legal action. Thank you in advance foreseeing this matter.","date_sent_to_company":"2023-12-18T22:27:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48234","tags":null,"has_narrative":true,"complaint_id":"8019261","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-18T22:27:18.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own XXXX XXXX, several adverse action notices as to why I can't obtain any credit."],"product":["Credit reporting or other personal consumer reports"],"issue":["Improper use of your report"],"sub_product":["Credit reporting"],"sub_issue":["Reporting company used your report improperly"]},"sort":[12.4710455,"8019261"]},{"_index":"complaint-public-v1","_id":"10331326","_score":12.370249,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am a victim of XXXX XXXX and have been trying to rebuild my life. Due to Experian 's personal, willful, and negligent intent to violate the law, I have been unsuccessful in my efforts to remove adverse accounts under the Debt Bondage Repair Act, a law that was signed by XXXX XXXX. \n\nExperian violated my constitutional rights as outlined in the Fair Credit Reporting Act below : 1. Section-by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted XXXX documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( 6 ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumer 's determination that an adverse item of information resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXXg under 1022.142 ( b ) ( 6 ) ( ii ). Accordingly, the Bureau is amending the text of new 1022.142 ( e ) ( 4 ) to provide that a consumer reporting agency may not decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumer 's representative, based on the validity of the facts or circumstances detailed in the contents of the submitted XXXX documentation under 1022.142 ( b ) ( 6 ) of this section. \n\nIn XX/XX/year>, Examiners of the CFPB has stated in their supervisory highlights that Credit Reporting Agencies are continuing to violate the laws set to protect me as a survivor. I have submitted court documents which shows the expungement of my criminal records ( Prostitution ) that was a result of XXXX XXXX Since the case was destroyed, the expungement qualified as a legitimate victim determination document. Experian is consistently declining my request, claiming that they are unable to verify the documents. Under what authority does Experian have the power to function as investigators, and how can they verify expunged court records? All other credit agencies have adhered to the law, with the exception of Experian, which is causing me to feel discriminated against.\n\nNow my life is further endangered due to the intentional and irresponsible actions of Experian and its representatives in disregarding federal laws. It appears that Experian is attempting to further humiliate me by forcing me to contact each creditor to request the removal of the account, when the CRA should be responsible for complying with the law. \n\nExperian has all of the documents and identity verification to process my request. Please ask them what are they attempting to verify? I am asking for federal and state assistance to hold Experian accountable for violating the laws set under FCRA. If anything happens to me, it will be due to Experian 's negligence.","date_sent_to_company":"2024-10-03T20:44:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91601","tags":null,"has_narrative":true,"complaint_id":"10331326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-03T20:34:29.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Due to Experian 's personal, willful, and negligent intent to violate the law, I have been unsuccessful in my efforts to remove adverse accounts under the Debt Bondage Repair Act, a law that was signed by XXXX XXXX. \n\nExperian violated my constitutional rights as outlined in the Fair Credit Reporting Act below : 1."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[12.370249,"10331326"]},{"_index":"complaint-public-v1","_id":"7024725","_score":12.34146,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There is no such Bankruptcy that should be reported on my credit report. TRANSUNION is merely a corporation obtaining consumers information from unreliable sources for the purpose of financial gain. They are not a government mandated entity. TRANSUNION is merely a company that assumes a role. I have a certified copy from the court stating they never verify or verified any information with any credit reporting agency at any time. So who did TRANSUNION verify this information with? Another third party credit reporting agency can not verify private transactions of consumers. They have listed multiple erroneous entries on my consumer credit report. Since TRANSUNION stated this entry was verified please provide the name, address and direct contact phone number of the furnisher of this information and the manner in which it was provided, in order that I may pursue additional further remedy, they never provide the information according to Federal Laws. I have mailed them another dispute with evidence they are not properly verifying the erroneous entries on my consumer report. I, XXXX XXXX XXXX confirms this is not a entry from a credit repair company, I myself have entered this complaint to CFPB. They always use this response as a tactic not to remove information from a credit report. TRANSUNION is reporting a private experience to the public which is illegal. According to the Fair Credit Reporting Act Section 609 ( a ) ( l ) ( A ), credit bureaus are required by federal law to verify through physical verification of the original signed certified consumer contract - of any and all accounts you posted on my credit report. ( NOT COPIES ). I demand to see the Verifiable, Validated proof ( an original Consumer Contract with a wet ink signature on it, ( copies of copies are not Validation and by law are not considered proof ), that you have on file for the account ( s ) listed below. I mailed them a list of the accounts that are illegally being reported on my consumer report. \nMoreover, I please provide my wet signature giving TransUnion consent to provide these unverified accounts, invalid names and wrong information on my consumer report. 15 U.S.C 1681 ( b ). ( I NEVER WORKED AS A IT PROFESSIONAL IN MY LIFE ) Under FCRA unverified invalid accounts must be removed. If you are unable to provide me with the verifiable validated proof of the copy you have on file within 30 days of receipt of this notice, then TRANSUNION must delete the unverified information immediately. I demand the account be verified or removed immediately. The law is very clear of the Civil Liability and remedy to me for the negligent noncompliance ( Section 617 ) if TRANSUNION fails to comply with this law. I also demand TRANSUNION verify and provide written physical proof of the invalid addresses they have listed on my consumer report. TRANSUNION have listed locations that are actual business addresses, I have never lived at a business address in my life. This is inaccurate false information they are reporting on my consumer report. When you have finished your investigation, I want the name, address and direct phone number of the person/agent at the source TRANSUNION contacted and the affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure is mandated by 15 U.S.C 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). TRANSUNION is a consumer credit reporting agency and is subject to Federal Consumer Financial laws, including, among others FCRA and the Title X of the Dodd Frank Act and related regulations. Due to this erroneous reporting I have experienced embarrassment, credit denial, mental anguish, XXXX, worry, loss of financial opportunities to live and more. I have suffered greatly from the unsolicited reporting of my private experiences with financial companies. I never gave them consent to publish my personal information. Again, I repeat, I XXXX, submitted this complaint on XX/XX/2023 XXXX XXXX cst. Due to my personal information being listed on the actually dispute letters I've mailed to TRANSUNION, I will refrain from uploading them here.","date_sent_to_company":"2023-05-24T18:21:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70072","tags":null,"has_narrative":true,"complaint_id":"7024725","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-24T17:41:08.000Z","state":"LA","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":["I have mailed them another dispute with evidence they are not properly verifying the erroneous entries on my consumer report. I, XXXX XXXX XXXX confirms this is not a entry from a credit repair company, I myself have entered this complaint to CFPB. They always use this response as a tactic not to remove information from a credit report. TRANSUNION is reporting a private experience to the public which is illegal."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[12.34146,"7024725"]},{"_index":"complaint-public-v1","_id":"11619810","_score":12.314129,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . \n\nDispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Credit Report Information Violations of FCRA, CFPA, and XXXX XXXX Laws To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information on my credit report. For over a year, I have provided Experian with all required documentation under federal law to demonstrate that adverse information on my credit report is directly tied to my status as a survivor XXXX XXXX XXXX. Despite this, Experian has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and the Debt Bondage Repair Act, causing severe harm to my ability to rebuild my life. \nLegal Obligations and Violations Under the Debt Bondage Repair Act, which amended the FCRA in XXXX, Experian is required to block adverse information resulting from XXXX XXXX within four business days of receiving proper documentation and to make a final determination within 25 business days. My documentation includes : A 605C Self-Attestation Form signed and certified by a tribal government entity, as permitted under the law. \nDetermination letters from a XXXX XXXX XXXXXXXX, my attorney, and my tribal government, all of which meet the criteria outlined in the CFPBs final rule implementing the Debt Bondage Repair Act. \nDespite submitting these materials repeatedly for over a year, Experian has failed to block or remove the adverse information. This refusal violates 15 U.S.C. 1681c-2, which mandates the blocking of adverse information resulting from XXXX XXXX \nAdditionally, I reference the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/XXXX complaint against Experian ( Case No. XXXX ), which highlights systemic failures in Experians handling of consumer disputes, including : 1. Failure to conduct reasonable reinvestigations into consumer disputes, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). \n2. Failure to forward all relevant information to furnishers, including consumer-provided documentation, in violation of 15 U.S.C. 1681i ( a ) ( 2 ) ( A ). \n3. Failure to block adverse information resulting from identity theft or XXXX XXXX as required by 15 U.S.C. 1681c-2. \n4. Improper reliance on furnishers responses, even when evidence suggests the furnishers are unreliable.\n\n5. Failure to notify consumers of the results of reinvestigations clearly and accurately, in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). \n\nThe CFPBs XX/XX/XXXX Supervisory Highlights further emphasize that Experian has repeatedly failed to comply with the XX/XX/XXXX rule requiring the blocking of adverse information tied to XXXX XXXX. Experians refusal to accept determinations from legitimate entities, such as XXXX XXXX XXXX and tribal governments, demonstrates ongoing noncompliance with federal law. \n\nPersonal Harm and Impact : Experians refusal to follow the law has caused me immense harm. For over a year, I have been unable to secure housing due to the adverse information on my credit report. As a result, I have been forced to live in and out of homeless shelters, and at one point, I lived in a tent with my XXXX grandchildren. This has caused significant emotional distress, disrupted my ability to rebuild my life, and perpetuated the financial abuse I endured as a survivor of XXXX XXXX \n\nThe adverse information on my credit reportwhich I have repeatedly demonstrated is directly tied to my XXXX experiencehas also prevented me from obtaining stable employment, affordable housing, and access to credit on fair terms. This is precisely the type of harm the Debt Bondage Repair Act was designed to prevent, yet Experian continues to disregard its legal obligations. \n\nMy Specific Disputes : The following items on my credit report are directly tied to my status as a survivor XXXX XXXX XXXX and must be blocked or removed under 15 U.S.C. 1681c-2 : 1. ( See documentation with adverse items ) 2. These items were incurred because of financial abuse by my trafficker and should not remain on my credit report. \n\nSupporting Documentation : Enclosed, I have included the following documentation to support my dispute : My completed 605C Self-Attestation Form, signed and certified by a tribal government entity. \nDetermination letters from my XXXX XXXX XXXX, attorney, and tribal government. \nMy personal self-attestation statement notarized by a notary substantiating I am a XXXX XXXX victim. \n\nResolution Requested I request that Experian take the following actions immediately : 1. Block and remove all adverse information related to my status as a survivor of XXXX XXXX, as required by 15 U.S.C. 1681c-2 and the Debt Bondage Repair Act. \n2. Provide written confirmation that the disputed items have been removed or blocked within the legally mandated period.\n\n3. Ensure compliance with the FCRA and CFPA by conducting a reasonable reinvestigation and notifying me of the results clearly and accurately. \nFailure to address this dispute in accordance with federal law will result in additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. \nClosing Experians ongoing refusal to comply with the law has caused me and my family immense harm. I expect a response to this dispute within 30 days, as mandated by federal law. If you require additional information, please contact me at the address, email, or phone number listed above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX, Enclosures : 605C Self-Attestation Form Supporting documentation ( XXXX determination, attorney letter, tribal government letter, etc. ) Documentation verifying my identity. \nAdverse items on my credit report that are the result of XXXX XXXX","date_sent_to_company":"2025-01-20T02:36:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43065","tags":"Servicemember","has_narrative":true,"complaint_id":"11619810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T02:02:10.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Personal Harm and Impact : Experians refusal to follow the law has caused me immense harm. For over a year, I have been unable to secure housing due to the adverse information on my credit report. As a result, I have been forced to live in and out of homeless shelters, and at one point, I lived in a tent with my XXXX grandchildren."],"product":["Credit reporting or other personal consumer reports"],"sub_product":["Credit reporting"],"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"]},"sort":[12.314129,"11619810"]},{"_index":"complaint-public-v1","_id":"5840433","_score":11.949162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In complaint # XXXX, Experian replied stating the following ; Thank you for submitting your dispute on XX/XX/2022, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that your credit report is showing inaccurate information. You are requesting to remove that information from your credit report. At your request to conduct a reinvestigation, we contacted the public record vendors and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XX/XX/2022. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. Bankruptcies are a matter of public record. Although the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the courts public records and supply that information to Experian. Experians method of verification for public records complies with the requirements of the Fair Credit Reporting Act ( FCRA ). According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source and notifying them of the dispute and disclosing all relevant information regarding your dispute. When we contact the furnisher or vendor, we ask that they verify all of the information regarding the item you disputed and report back within 30 days of the date that we received your request ( 21 days for Maine residents ). To help resolve the dispute, we will review all relevant documents submitted with the dispute and will forward them to the furnisher if we are unable to resolve the issue. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information and send you the results. In some instances, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. Please note that accurate information can not be deleted. Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. 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. Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information. Therefore, we can not update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency. 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 XXXX XXXX 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 dispute 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. \n\nExperian who is the other vendors who verified the information? \n\nIf another vendor verified the information, but the furnisher is stating it was unverifiable than why do you continue to report it? \n\nSince you are aware that the furnisher XXXX XXXX is stating the information is unverifiable then why havent you removed it? \n\nIf your not going to remove the bankruptcies than why arent you updating the furnisher of the information? \n\nI want the full reasons of why your are in violation of ; 1. 15 U.S. Code 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n2. The Fair Credit Reporting Act 609 ( a ) ( 2 ) states ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : The sources of the information.\n\n3. In 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. A credit reporting agency that can not tell the source within the 15 day time limit is not in compliance of this law. \n\n4. 15 U.S. Code 1681 section 2 ( a ) I have the right to privacy. \n\nWhy are you denying XXXX the right to follow FCRA 623 ( b ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \n\nPursuant to section 603 I did not give anyone permission to publish this on my credit report I did not give anyone consent to report this on my credit report. \n\nIn addition, under 15 U.S. Code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER gave written consented to having any such items displayed on my credit report.","date_sent_to_company":"2022-08-04T05:14:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21207","tags":null,"has_narrative":true,"complaint_id":"5840433","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-04T04:40:07.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. 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."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.949162,"5840433"]},{"_index":"complaint-public-v1","_id":"5854951","_score":11.943405,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am a natural living person and no credit repair organization represents me. \n\nOn the XXXX of XX/XX/XXXX, I filed a complaint on the CFPB website with the following ID number : XXXX and labeled Incorrect information on your report. This report was in regards to the multiple names and addresses that were displayed on my profile. XXXX response stated the following : \" Unfortunately, we are unable to process your dispute or disputes, as it is not specific. If there is information appearing on a credit profile that is believed to be inaccurate or incomplete, we must have a specific dispute.Here are the following ID numbers that correspond to the names and addresses that are not legally connected to me. XXXX, XXXX, XXXX, and XXXX. The reason why I was not able to provide the specific names and addresses within the CFPB platform was due to privacy reasons and CFPB guidelines. \n\n\nAfter that letter, I filed multiple complaints and pursuant to CFR 1022.123 ( a ) ( 2 ), I directly provided proof of my identity to them. On the XX/XX/XXXX, In connection with complaint ID XXXX, Experian stated that on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, they received those documents, but willfully did not comply with the rules and regulations of the FCRA by not removing the incorrect information and only responding with a template-based form stating that the information they had was correct. \n\nOn the XXXX of XX/XX/XXXX, upon their unwillingness to rectify the issue, I sent them a notarized letter directly via certified mail addressing the inaccuracy of the names and addresses being displayed on my consumer account. This letter was accepted by one of Experian 's agents on the XXXX of XX/XX/XXXX. \n\nOn the XXXX of XX/XX/XXXX, After multiple attempts, Experian finally responded with the following : Upon further research and re-investigation, and in accordance with the FCRA, we are in the process of removing the referenced information. ( Refer to complain ID : XXXX ). \n\nExperians dismissive actions of reporting inaccurate and misleading information on my consumer profile have severely damaged my general reputation, creditworthiness, and character over the years, despite multiple complaints to Experian that the information did NOT belong to me. \n\n\n\n\nExperian 's inability and unwillingness to resolve the matter within a reasonable time and after so many attempts severely affected the integrity of my consumer report along with my ability to apply for personal credit. This, in turn, caused me emotional and financial distress. \n\nExperian 's actions have also resorted to a loss of time and money. Having to defend the accuracy of my consumer profile produced years of miscellaneous expenses associated with, but not limited to, notary fees, faxing fees, postage costs, mileage, telephone charges, additional administrative supplies, and service fees, along with the charge of consulting with an attorney over the years regarding these matters. \n\nExperian has continued to violate my rights as a consumer under the Fair Credit Reporting Act, which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements. Experian did not meet those requirements and has shown a failure to properly verify the information it furnishes. \n\nExperian 's actions have not been equitable and I am requesting adequate compensation for defending myself over the years due to their willful noncompliance with the rules and regulations of the FCRA. \n\nThe law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). I am a litigious consumer and fully intend to enforce my rights under the FCRA","date_sent_to_company":"2022-08-08T18:43:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91710","tags":null,"has_narrative":true,"complaint_id":"5854951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-08-08T18:43:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Experian has continued to violate my rights as a consumer under the Fair Credit Reporting Act, which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for 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