{"took":325,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":425,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2667996","_score":18.425316,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX Equifax announced a massive data breach. I went to their website to check if I was affected in the breach. While going through the process, Equifax asked me to agree to Terms & Conditions requiring me to waive my right to a class action lawsuit. This is a disingenuous practice on behalf of Equifax. Their systems were breached, so they should be responsible for monitoring my credit while also remaining responsible for any legal penalties assessed by the US legal system. I should not be required to waive that right.\n\nFurthermore, they were negligent in their data management practices. A breach of critical information for nearly every credit using individual in the US is unacceptable. This amounts to criminal negligence.","date_sent_to_company":"2017-09-08T15:40:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"63109","tags":null,"has_narrative":true,"complaint_id":"2667996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T15:32:21.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I should not be required to <em>waive</em> that right.\n\nFurthermore, they were negligent in their <em>data</em> management practices. A <em>breach</em> of critical information for nearly every credit using individual in the US is unacceptable. This amounts to criminal negligence."]},"sort":[18.425316,"2667996"]},{"_index":"complaint-public-v1","_id":"8082862","_score":17.387897,"_source":{"product":"Mortgage","complaint_what_happened":"I'm in receipt of a data breach notice from my mortgage company, Mr. Cooper. \nAs a result of the data breach they are offering XXXX yrs of a single bureau monitoring. I believe that this an inadequate response to the data breach. They are required by law to offer adequate safeguards for the data the are entrusted with. As a consumer, I would like a more intentional response to this and request they be made to provide 2 years of waived mortgages on my loan ; this is a more appropriate response to failure to adequately safeguard my protected information. After all, this isnt the first time they have failed consumers in the mortgage arena.","date_sent_to_company":"2023-12-30T20:24:42.000Z","issue":"Improper use of your report","sub_product":"FHA mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8082862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-12-30T20:06:27.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I'm in receipt of a <em>data</em> <em>breach</em> notice from my mortgage company, Mr. Cooper. \nAs a result of the <em>data</em> <em>breach</em> they are offering XXXX yrs of a single bureau monitoring. I believe that this an inadequate response to the <em>data</em> <em>breach</em>. They are required by law to offer adequate safeguards for the <em>data</em> the are entrusted with."]},"sort":[17.387897,"8082862"]},{"_index":"complaint-public-v1","_id":"2669220","_score":17.32303,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My personal information was included in Equifax 's data breach this year. I do not want to waive my right to sue, but the company offers no other choice.","date_sent_to_company":"2017-09-12T06:28:10.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"19132","tags":null,"has_narrative":true,"complaint_id":"2669220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T02:20:12.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["My personal information was included in Equifax 's <em>data</em> <em>breach</em> this year. I do not want to <em>waive</em> my right to sue, but the company offers no other choice."]},"sort":[17.32303,"2669220"]},{"_index":"complaint-public-v1","_id":"2661455","_score":17.114693,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, I became aware of a security breach where consumer data held by was compromised. Upon reading the news, I followed links to Equifax 's security website that was handling consumer inquiry about the breach : w\nww.equifaxsecurity2017.com On this site you would enter your name and the last 6 digits of your social security number, and you would be notified immediately if your data may have been compromised. WHAT I DID N'T KNOW is that Equifax had hidden Terms of Use for using th\nis service that included waiving my rights to file lawsuit for damages and join in any class action suit against Equifax.\nUpon using the service, I WAS NOT ASKED TO ACCEPT ANY TERMS OF USE. They were hidden behind an incredibly small link, and it was unclear what terms of use - if any - actually were when using the service.\nThis is absolutely unfair and strikes me as fraudulent and negligent. Upon being breached, this company has a duty of care to notify consumers if their data may have been compromised. Instead, they have hidden this knowledge from consumers where they can only access it if they waive their rights. Consumers should be protected from such coercive and opportunistic tactics.\nI believe that Equifax knowingly and willfully advertised this service with the intent to deceive consumers and to take advantage of their panic to coerce them into waiving the rights afforded to them by the CFPB and other regulating agencies.","date_sent_to_company":"2017-09-08T21:36:53.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"98036","tags":"Servicemember","has_narrative":true,"complaint_id":"2661455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T21:15:55.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Upon being <em>breached</em>, this company has a duty of care to notify consumers if their <em>data</em> may have been compromised. Instead, they have hidden this knowledge from consumers where they can only access it if they <em>waive</em> their rights. Consumers should be protected from such coercive and opportunistic tactics."]},"sort":[17.114693,"2661455"]},{"_index":"complaint-public-v1","_id":"2668591","_score":16.950466,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Apparently my data was stolen from Equifax as part of their massive data breach. This is beyond unacceptable. Their \" protection plan '' wants me to waive my rights to sue them in the event that someone uses my personal data to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer.\nThis is a serious issue that a company that I have no business with, no contract with and no control over has this much of my personal information. What recourse do I have in the event that something happens as a result of this breach? What is the CFPB 's recommendation regarding waiving legal options to get their 1 year of inadequate coverage.\nThis should not be optional coverage, and it should have no limit nor term. Should identity theft occur as a result of this breach, it should be Equifax 's responsibility to cover the damages regardless of when they occur and how much the damages are.\nThese companies should not be allowed to have access to this data without the individual 's consent. People are effectively forced into a business relationship with a private company that clearly has inadequate protections in place. As a result, millions of American 's are at risk to massive fraud and financial damages.","date_sent_to_company":"2017-09-08T14:57:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"155XX","tags":null,"has_narrative":true,"complaint_id":"2668591","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T14:44:10.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Apparently my <em>data</em> was stolen from Equifax as part of their massive <em>data</em> <em>breach</em>. This is beyond unacceptable. Their \" protection plan '' wants me to <em>waive</em> my rights to sue them in the event that someone uses my personal <em>data</em> to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer."]},"sort":[16.950466,"2668591"]},{"_index":"complaint-public-v1","_id":"2663228","_score":16.91129,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax 2017 data breach. Incompetent and gross negligence in handling of sensitive PII. Blatantly and unashamedly offering their own ineffective theft protection service for a year as compensation for losing data that can not be changed for the rest of my life, but requiring that I waive my right to sue them for their disgusting actions.","date_sent_to_company":"2017-09-10T21:02:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"395XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2663228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T20:47:10.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax 2017 <em>data</em> <em>breach</em>. Incompetent and gross negligence in handling of sensitive PII. Blatantly and unashamedly offering their own ineffective theft protection service for a year as compensation for losing <em>data</em> that can not be changed for the rest of my life, but requiring that I <em>waive</em> my right to sue them for their disgusting actions."]},"sort":[16.91129,"2663228"]},{"_index":"complaint-public-v1","_id":"2662333","_score":16.866821,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including Name, Social Security Number, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. Equifax confirmed I was affected by this breach per their \" Potential Impact '' site www.equifaxsecurity2017. \n\nEquifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for \" trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior. \n\nI demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently waive all fees for placing and removing security freezes on credit reports.\n2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this data breach.\n3 ) Permanently waive all fees for placing or removing fraud alerts on credit reports.\n4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this data breach.\n5 ) Enable individuals to place permanent fraud alerts on credit histories at no charge, instead of limiting fraud alerts to 7-year periods.\n6 ) Issue unique Personal Identification Numbers ( PINs ) to individuals who request security freezes on credit reports, instead issuing PINS that are actually easily replicated date stamps in the format of MMDDYYXXXX.","date_sent_to_company":"2017-09-09T22:17:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02860","tags":null,"has_narrative":true,"complaint_id":"2662333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T21:54:45.000Z","state":"RI","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I demand that Equifax rectify its gross negligence through the following actions : 1 ) Permanently <em>waive</em> all fees for placing and removing security freezes on credit reports.\n2 ) Issue full refunds to all individuals who purchased security freezes from credit reporting firms following this <em>data</em> <em>breach</em>.\n3 ) Permanently <em>waive</em> all fees for placing or removing fraud alerts on credit reports.\n4 ) Issue refunds to all individuals who purchased fraud alerts from credit reporting firms following this <em>data</em>"],"issue":["Problem with a credit reporting company's investigation <em>into</em> an existing problem"]},"sort":[16.866821,"2662333"]},{"_index":"complaint-public-v1","_id":"2668080","_score":16.831013,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My information was mishandled, which put me at risk of identity theft along with millions of others. I am a potential victim of the recent data breach at Equifax according to their equifaxsecurity2017.com site, so I would like a resolution. \nThey are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.","date_sent_to_company":"2017-09-08T23:38:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91776","tags":null,"has_narrative":true,"complaint_id":"2668080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T23:33:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am a potential victim of the recent <em>data</em> <em>breach</em> at Equifax according to their equifaxsecurity2017.com site, so I would like a resolution. \nThey are simultaneously defrauding these injured parties with hidden terms of service that <em>waive</em> their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the <em>data</em> <em>breach</em> announcement."]},"sort":[16.831013,"2668080"]},{"_index":"complaint-public-v1","_id":"2664272","_score":16.811722,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I used the Equifax website to find out information about the current data breach with Equifax. After finding some information about the data breach I sent a message to Equifax to gain more information about the TrustedID program that was offered and what rights I would waive by entering into that agreement. That message was ignored by Equifax. I want more information on that program as well as other information on what Equifax is going to do to help protect my information due their negligence.","date_sent_to_company":"2017-09-11T15:12:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55128","tags":null,"has_narrative":true,"complaint_id":"2664272","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T14:42:43.000Z","state":"MN","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I used the Equifax website to find out information about the current <em>data</em> <em>breach</em> with Equifax. After finding some information about the <em>data</em> <em>breach</em> I sent a message to Equifax to gain more information about the TrustedID program that was offered and what rights I would <em>waive</em> by entering into that agreement. That message was ignored by Equifax. I want more information on that program as well as other information on what Equifax is going to do to help protect my information due their negligence."],"issue":["Problem with a credit reporting company's investigation <em>into</em> an existing problem"]},"sort":[16.811722,"2664272"]},{"_index":"complaint-public-v1","_id":"2667484","_score":16.8048,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..","date_sent_to_company":"2017-09-11T16:09:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"068XX","tags":"Older American","has_narrative":true,"complaint_id":"2667484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-11T16:09:27.000Z","state":"CT","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":["XXXX <em>data</em> <em>breach</em> ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to <em>waive</em> fees ... .."]},"sort":[16.8048,"2667484"]},{"_index":"complaint-public-v1","_id":"2667485","_score":16.747997,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..","date_sent_to_company":"2017-09-11T16:09:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"068XX","tags":"Older American","has_narrative":true,"complaint_id":"2667485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-11T16:09:27.000Z","state":"CT","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":["XXXX <em>data</em> <em>breach</em> ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to <em>waive</em> fees ... .."]},"sort":[16.747997,"2667485"]},{"_index":"complaint-public-v1","_id":"2667747","_score":16.743132,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..","date_sent_to_company":"2017-09-11T16:09:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"068XX","tags":"Older American","has_narrative":true,"complaint_id":"2667747","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T15:57:42.000Z","state":"CT","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax <em>data</em> <em>breach</em> ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to <em>waive</em> fees ... .."]},"sort":[16.743132,"2667747"]},{"_index":"complaint-public-v1","_id":"2660167","_score":16.68623,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX 2017, a data breach at Equifax caused personal information of several consumers including SSNs, addresses and names to be compromised. Equifax provided a website ( https : //www.equifaxsecurity2017.com ) to check if a particular consumer 's data was compromised in the breach. I input my information and the website told me that my information was possibly compromised. \n\nEquifax provided a 1 year complimentary credit monitoring service for consumers who were affected in the data breach. However, in the Ts & Cs,  Equifax states that by accepting the complimentary credit monitoring, consumers agree to arbitration and waive any right to pursue judicial action against them.","date_sent_to_company":"2017-09-13T14:31:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"222XX","tags":null,"has_narrative":true,"complaint_id":"2660167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T19:46:33.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax provided a 1 year complimentary credit monitoring service for consumers who were affected in the <em>data</em> <em>breach</em>. However, in the Ts & Cs,  Equifax states that by accepting the complimentary credit monitoring, consumers agree to arbitration and <em>waive</em> any right to pursue judicial action against them."]},"sort":[16.68623,"2660167"]},{"_index":"complaint-public-v1","_id":"2667820","_score":16.619928,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"i was one of the people who may have had their identity stolen from the equifax security breach, which could negatively impact me over the foreseeable future. equifax is handling this situation very poorly. for example, though the breach happened 2 months ago, i was unaware of this until today. they are also still charging consumers to freeze their credit reports, despite confirming that i was in the 143m+ people whose data was taken. also, their website to check for impacts has a disclaimer, waiving your ability to be part of a lawsuit against them due to this data breach. for a company who has so much impact on your life, they are very careless with data, and care very little about the end consumer.","date_sent_to_company":"2017-09-08T19:43:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30236","tags":null,"has_narrative":true,"complaint_id":"2667820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T19:34:32.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["your ability to be part of a lawsuit against them due to this <em>data</em> <em>breach</em>. for a company who has so much impact on your life, they are very careless with <em>data</em>, and care very little about the end consumer."]},"sort":[16.619928,"2667820"]},{"_index":"complaint-public-v1","_id":"2665916","_score":16.615469,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to the website created by Equifax in the wake of their data breach, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would waive my right to a class action lawsuit.","date_sent_to_company":"2017-09-08T16:46:25.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"95008","tags":null,"has_narrative":true,"complaint_id":"2665916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T16:31:53.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["According to the website created by Equifax in the wake of their <em>data</em> <em>breach</em>, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would <em>waive</em> my right to a class action lawsuit."]},"sort":[16.615469,"2665916"]},{"_index":"complaint-public-v1","_id":"2665922","_score":16.480396,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Data breach by Equifax- their records indicate my information was stolen. Their website is attempting to enroll people that were effected in a XXXX account that waives their right to sue Equifax for their security lapses. I, along with millions of others, are now open to potential identity theft.","date_sent_to_company":"2017-09-08T16:42:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"662XX","tags":null,"has_narrative":true,"complaint_id":"2665922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T16:34:08.000Z","state":"KS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Data</em> <em>breach</em> by Equifax- their records indicate my information was stolen. Their website is attempting to enroll people that were effected in a XXXX account that <em>waives</em> their right to sue Equifax for their security lapses. I, along with millions of others, are now open to potential identity theft."]},"sort":[16.480396,"2665922"]},{"_index":"complaint-public-v1","_id":"2662752","_score":16.358498,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax discovered in XXXX XXXX that they were subject to a data breach starting in XXXX XXXX but did not report it to consumers until XXXX XXXX. This subjected consumers to a security risk that they have been unable to do anything to mitigate. \n\nOn top of that senior executives in the company have suffered no losses because they have cashed out before the announcement. This represents unfair trading practices. \n\nThird, they are offering a service in relation to the hack which requires users signing up to waive their ability to participate in a class action lawsuit. This is a move designed to protect the company and not the consumer, the true victim of the data breach. \n\nThese moves demonstrate a reckless and negligent attitude toward managing sensitive data.","date_sent_to_company":"2017-09-08T19:03:21.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"91780","tags":null,"has_narrative":true,"complaint_id":"2662752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T18:42:33.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Third, they are offering a service in relation to the hack which requires users signing up to <em>waive</em> their ability to participate in a class action lawsuit. This is a move designed to protect the company and not the consumer, the true victim of the <em>data</em> <em>breach</em>. \n\nThese moves demonstrate a reckless and negligent attitude toward managing sensitive <em>data</em>."]},"sort":[16.358498,"2662752"]},{"_index":"complaint-public-v1","_id":"2662943","_score":16.283665,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The recent Equifax breach caused me concern of my sensitive personal data having been stolen. I am concerned regarding possible identity theft. However, Equifax will not allow me to know with 100 % certainty whether my data has indeed been stolen until I sign up for their service which 1 ) Charges me a fee after one year and 2 ) Forces me to waive my right to file a lawsuit against them should I become a victim of identity theft from this breach.","date_sent_to_company":"2017-09-10T04:06:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10940","tags":null,"has_narrative":true,"complaint_id":"2662943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-10T03:55:52.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The recent Equifax <em>breach</em> caused me concern of my sensitive personal <em>data</em> having been stolen. I am concerned regarding possible identity theft. However, Equifax will not allow me to know with 100 % certainty whether my <em>data</em> has indeed been stolen until I sign up for their service which 1 ) Charges me a fee after one year and 2 ) Forces me to <em>waive</em> my right to file a lawsuit against them should I become a victim of identity theft from this <em>breach</em>."]},"sort":[16.283665,"2662943"]},{"_index":"complaint-public-v1","_id":"2665290","_score":16.213623,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Upon hearing about the Equifax data breach I visited their website relating to the data brach : www.equifaxsecurity2017.com. \n\nI followed the steps to see if I was affected and they responded they believe it was the case. However, instead of giving me the option to enroll in their credit monitoring service they automatically enrolled me in it. The fine print implies this waives my right to be part of any lawsuit against them for this data breach. To be clear, I was automatically enrolled in a service without my consent that limits my ability to protect my rights as a consumer from this data breach. Furthermore, the response I received that I was likely involved and that I would be enrolled in their protection plan soon is offensive. Given the time that has elapsed since they knew about the issue the fact that they can not say definitely based on me inputting my social information is illogical. \n\nThis abusive action combined with the news that their executives knew about this data breach for over a month before notifying internal public and that they had sold shares of their stock prior to revealing the breach shows me a company that clearly does not respect their customers.","date_sent_to_company":"2017-09-08T07:11:51.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"2665290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T06:59:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with product or service terms changing"},"highlight":{"complaint_what_happened":["Upon hearing about the Equifax <em>data</em> <em>breach</em> I visited their website relating to the <em>data</em> brach : www.equifaxsecurity2017.com. \n\nI followed the steps to see if I was affected and they responded they believe it was the case. However, instead of giving me the option to enroll in their credit monitoring service they automatically enrolled me in it. The fine print implies this <em>waives</em> my right to be part of any lawsuit against them for this <em>data</em> <em>breach</em>."]},"sort":[16.213623,"2665290"]},{"_index":"complaint-public-v1","_id":"2660765","_score":16.196352,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is regarding the Equifax Data Breach that occurred between XX/XX/XXXXandXX/XX/XXXX and was reported in XX/XX/XXXX. This gross incompetence and lack of care for the privacy and security customers ' personal information has directly impacted me and family members, as we 've been informed by Equifax that our information has been stolen in the data breach. Further, the fact that even getting the information and protection that Equifax offers as recompense for their incompetence REQUIRES me to waive my right to join a class action against them is the most evil possible thing Equifax could have done.","date_sent_to_company":"2017-09-08T17:22:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08901","tags":null,"has_narrative":true,"complaint_id":"2660765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:14:38.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This complaint is regarding the Equifax <em>Data</em> <em>Breach</em> that occurred between XX/XX/XXXXandXX/XX/XXXX and was reported in XX/XX/XXXX. This gross incompetence and lack of care for the privacy and security customers ' personal information has directly impacted me and family members, as we 've been informed by Equifax that our information has been stolen in the <em>data</em> <em>breach</em>."]},"sort":[16.196352,"2660765"]},{"_index":"complaint-public-v1","_id":"2663443","_score":16.163353,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Part of the 143 million Americans who 's data was breached during the Equifax hack. \n\nActions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.","date_sent_to_company":"2017-09-08T17:13:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"52240","tags":null,"has_narrative":true,"complaint_id":"2663443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:05:54.000Z","state":"IA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Part of the 143 million Americans who 's <em>data</em> was <em>breached</em> during the Equifax hack. \n\nActions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you <em>waive</em> your right to be a part of the class action law suit against them."]},"sort":[16.163353,"2663443"]},{"_index":"complaint-public-v1","_id":"2666021","_score":16.11484,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is in regards to the 2017 Equifax data breach. Equifax mishandled my personally identifiable information, putting me at risk for identity theft because of poor and/or non-existent security protocols. Because of this, I 've had to put fraud alerts on my accounts and am adding security freezes to my credit reports with every reporting agency. At a minimum, this data breach is costing me {$60.00} because Equifax did n't manage their data securely. If my identity is stolen the damages will exponentially increase. Equifax should be held liable for security freezing fees put in place due to this breach. Additionally, Equifax 's identity theft monitoring service is un-useable due to the binding arbitration clause, which waives my right to take legal action against them.","date_sent_to_company":"2017-09-08T18:48:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91913","tags":"Servicemember","has_narrative":true,"complaint_id":"2666021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:57:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This complaint is in regards to the 2017 Equifax <em>data</em> <em>breach</em>. Equifax mishandled my personally identifiable information, putting me at risk for identity theft because of poor and/or non-existent security protocols. Because of this, I 've had to put fraud alerts on my accounts and am adding security freezes to my credit reports with every reporting agency. At a minimum, this <em>data</em> <em>breach</em> is costing me {$60.00} because Equifax did n't manage their <em>data</em> securely."]},"sort":[16.11484,"2666021"]},{"_index":"complaint-public-v1","_id":"2663370","_score":16.014603,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, Equifax announced that private information of 143 million people had been leaked due to lack of security. \n\nI have checked using their website, and my information was included in the data breach. \n\nThey are offering a free year of credit monitoring, but that it hardly enough reparation and the terms of service waives your right to sue Equifax.","date_sent_to_company":"2017-09-08T17:43:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"2663370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T17:31:34.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have checked using their website, and my information was included in the <em>data</em> <em>breach</em>. \n\nThey are offering a free year of credit monitoring, but that it hardly enough reparation and the terms of service <em>waives</em> your right to sue Equifax."]},"sort":[16.014603,"2663370"]},{"_index":"complaint-public-v1","_id":"2668718","_score":15.927526,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was affected by Equifax 's data breach. Equifax said the breach happened between mid-XX/XX/XXXX and XX/XX/XXXX. It discovered the hack on XX/XX/XXXX. However, Equifax only informed the public on XX/XX/XXXX. The  reporting agency has not only been irresponsible with my data, but also duplicitous ; they have know about this breach for over a month and ( to add insult to injury ) attempted to trick me into waiving my rights to sue them through their coercive \" opt-in '' process when I went to check if I was affected by the breach. \n\nI am saving to buy a house, and have spent the last decade rebuilding my credit score. This mishandling of the breach is completely unwarranted and is wrong on the most fundamental level. By waiting over a month to announce the breach, they have robbed me of precious time to proactively set up a credit freeze. I can only imagine the horrors that will come from this breach in the future.","date_sent_to_company":"2017-09-09T05:10:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"120XX","tags":null,"has_narrative":true,"complaint_id":"2668718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T01:00:47.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The  reporting agency has not only been irresponsible with my <em>data</em>, but also duplicitous ; they have know about this <em>breach</em> for over a month and ( to add insult to injury ) attempted to trick me into <em>waiving</em> my rights to sue them through their coercive \" opt-in '' process when I went to check if I was affected by the <em>breach</em>. \n\nI am saving to buy a house, and have spent the last decade rebuilding my credit score."]},"sort":[15.927526,"2668718"]},{"_index":"complaint-public-v1","_id":"2682168","_score":15.925342,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a security data breach on XXXX XXXX 2017.  Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. After going to the site www.Equifaxsecurity2017.com it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. I was notified via email to prove that I was impacted by this security breach,. I am putting in a complaint against Equifax for their negligence of handling my personal information. I am worried about my personal information and security.","date_sent_to_company":"2017-09-22T15:28:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"14621","tags":null,"has_narrative":true,"complaint_id":"2682168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-22T15:18:18.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Equifax had a security <em>data</em> <em>breach</em> on XXXX XXXX 2017.  Due to this incident my personal information was impacted by this <em>breach</em>. I am submitting a formal complaint. I believe that this security <em>breach</em> has highly impacted my personal information. After going to the site www.Equifaxsecurity2017.com it appeared that I was impacted with this security <em>breach</em>. 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