{"took":833,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5365,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15273389","_score":16.700897,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My personal info has been used to obtain debt that I did not authorize. All three credit bureaus are not doing proper investigation and removing falsified items on my credit report. Also I am a victim of equifax data breach and XXXX XXXXXXXX data breach","date_sent_to_company":"2025-08-13T19:42:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"15273389","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-13T19:41:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All three credit bureaus are not doing <em>proper</em> <em>investigation</em> and removing falsified items on my credit report. Also I am a victim of equifax <em>data</em> <em>breach</em> and XXXX XXXXXXXX <em>data</em> <em>breach</em>"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.700897,"15273389"]},{"_index":"complaint-public-v1","_id":"15259706","_score":16.68832,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My personal info has been used to obtain debt that I did not authorize. All three credit bureaus are not doing proper investigation and removing falsified items on my credit report. Also I am a victim of equifax data breach and XXXX XXXXXXXX data breach","date_sent_to_company":"2025-08-13T19:42:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"15259706","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-13T19:28:23.000Z","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":["All three credit bureaus are not doing <em>proper</em> <em>investigation</em> and removing falsified items on my credit report. Also I am a victim of equifax <em>data</em> <em>breach</em> and XXXX XXXXXXXX <em>data</em> <em>breach</em>"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.68832,"15259706"]},{"_index":"complaint-public-v1","_id":"15259334","_score":16.68832,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My personal info has been used to obtain debt that I did not authorize. All three credit bureaus are not doing proper investigation and removing falsified items on my credit report. Also I am a victim of equifax data breach and XXXX XXXXXXXX data breach","date_sent_to_company":"2025-08-13T19:42:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95758","tags":null,"has_narrative":true,"complaint_id":"15259334","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-13T19:41:52.000Z","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":["All three credit bureaus are not doing <em>proper</em> <em>investigation</em> and removing falsified items on my credit report. Also I am a victim of equifax <em>data</em> <em>breach</em> and XXXX XXXXXXXX <em>data</em> <em>breach</em>"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.68832,"15259334"]},{"_index":"complaint-public-v1","_id":"11398679","_score":16.420033,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, equifax, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches","date_sent_to_company":"2025-01-06T20:33:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11398679","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-06T20:32:51.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX, equifax, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their <em>data</em> <em>breaches</em> and how my profile was one of the ones effected by their <em>breaches</em>. These companies have refused to do the <em>proper</em> <em>investigations</em> that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their <em>data</em> <em>breaches</em>"]},"sort":[16.420033,"11398679"]},{"_index":"complaint-public-v1","_id":"11398787","_score":16.410997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and experian was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches","date_sent_to_company":"2025-01-06T20:33:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11398787","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-06T20:32:51.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["XXXX, XXXX, and experian was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their <em>data</em> <em>breaches</em> and how my profile was one of the ones effected by their <em>breaches</em>. These companies have refused to do the <em>proper</em> <em>investigations</em> that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their <em>data</em> <em>breaches</em>"]},"sort":[16.410997,"11398787"]},{"_index":"complaint-public-v1","_id":"11400081","_score":16.402203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their data breaches and how my profile was one of the ones effected by their breaches. These companies have refused to do the proper investigations that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their data breaches","date_sent_to_company":"2025-01-06T20:32:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"482XX","tags":null,"has_narrative":true,"complaint_id":"11400081","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-06T20:04:15.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Transunion, XXXX, and XXXX was sent information requesting the removal of inquiries of companies i didn't recognize, they were also sent information of their <em>data</em> <em>breaches</em> and how my profile was one of the ones effected by their <em>breaches</em>. These companies have refused to do the <em>proper</em> <em>investigations</em> that are required by law to properly remove all information that has not been proven valid. Please remove all information on my profile that was effected by their <em>data</em> <em>breaches</em>"]},"sort":[16.402203,"11400081"]},{"_index":"complaint-public-v1","_id":"9784919","_score":16.267956,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX. \nAccount XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX Account XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-08-13T20:52:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"9784919","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-13T20:52:07.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's important to note that this matter is under <em>investigation</em> by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account XXXX The XXXX <em>data</em> <em>breach</em> has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without <em>proper</em> documentation."]},"sort":[16.267956,"9784919"]},{"_index":"complaint-public-v1","_id":"9784918","_score":16.258507,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXXXXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXXXXXX. \nAccount Number:XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX Account Number:XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX XXXX Account Number:XXXX  The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX  XXXX Account Number:XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.","date_sent_to_company":"2024-08-13T20:52:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20716","tags":null,"has_narrative":true,"complaint_id":"9784918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-13T20:52:07.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It's important to note that this matter is under <em>investigation</em> by the FTC. Please remove these unverified claims from my report. \n\nXXXX Account Number:XXXX The Equifax <em>data</em> <em>breach</em> has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without <em>proper</em> documentation."]},"sort":[16.258507,"9784918"]},{"_index":"complaint-public-v1","_id":"10223455","_score":16.115938,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXXXXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX  The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXXXXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXXXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXX XXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report and I have included a police report. Please investigate and remove it from my credit report.","date_sent_to_company":"2024-09-23T10:11:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"10223455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-23T10:02:36.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["It's important to note that this matter is under <em>investigation</em> by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX  The XXXX <em>data</em> <em>breach</em> has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without <em>proper</em> documentation."]},"sort":[16.115938,"10223455"]},{"_index":"complaint-public-v1","_id":"10219738","_score":16.105259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX Account XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXXXXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXX XXXX The Equifax data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The Equifax data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXXXXXX XXXX XXXXXXXX This is not mine. I am a victim of ID The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report and I have included a police report. Please investigate and remove it from my credit report.","date_sent_to_company":"2024-09-23T10:12:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"10219738","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-23T10:12:03.000Z","state":"GA","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["It's important to note that this matter is under <em>investigation</em> by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The Equifax <em>data</em> <em>breach</em> has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without <em>proper</em> documentation."]},"sort":[16.105259,"10219738"]},{"_index":"complaint-public-v1","_id":"10211651","_score":16.105095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXXXXXX XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXXXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXXXXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXX XXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX The XXXX data breach impacted my information and many fraudulent items I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! \n\nXXXX XXXX XXXX XXXX XXXXXXXX This is not mine. I am a victim of ID The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report and I have included a police report. Please investigate and remove it from my credit report.","date_sent_to_company":"2024-09-23T10:12:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"10211651","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-23T10:12:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["It's important to note that this matter is under <em>investigation</em> by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX The XXXX <em>data</em> <em>breach</em> has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without <em>proper</em> documentation."]},"sort":[16.105095,"10211651"]},{"_index":"complaint-public-v1","_id":"13293500","_score":16.024376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX XXXX  via mail that my personal and financial information may have been compromised in a data breach that occurred between XX/XX/XXXX, and XX/XX/XXXX. The breach exposed sensitive data including my health insurance details, medical records, and financial/payment information. I am concerned that this breach may have contributed to inaccuracies on my credit report. I previously disputed certain accounts and also submitted a debt verification letter, but I have not received proper verification or resolution. I am requesting that the CFPB investigate and that the company involved either verify the debt with proper documentation or remove it from my credit file.","date_sent_to_company":"2025-05-01T04:37:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19027","tags":null,"has_narrative":true,"complaint_id":"13293500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-05-01T04:37:10.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX XXXX  via mail that my personal and financial information may have been compromised in a <em>data</em> <em>breach</em> that occurred between XX/XX/XXXX, and XX/XX/XXXX. The <em>breach</em> exposed sensitive <em>data</em> including my health insurance details, medical records, and financial/payment information. I am concerned that this <em>breach</em> may have contributed to inaccuracies on my credit report."]},"sort":[16.024376,"13293500"]},{"_index":"complaint-public-v1","_id":"13282958","_score":16.024376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX ) via mail that my personal and financial information may have been compromised in a data breach that occurred between XX/XX/XXXX, and XX/XX/XXXX. The breach exposed sensitive data including my health insurance details, medical records, and financial/payment information. I am concerned that this breach may have contributed to inaccuracies on my credit report. I previously disputed certain accounts and also submitted a debt verification letter, but I have not received proper verification or resolution. I am requesting that the CFPB investigate and that the company involved either verify the debt with proper documentation or remove it from my credit file.","date_sent_to_company":"2025-05-01T04:37:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19027","tags":null,"has_narrative":true,"complaint_id":"13282958","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-05-01T04:09:57.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX ) via mail that my personal and financial information may have been compromised in a <em>data</em> <em>breach</em> that occurred between XX/XX/XXXX, and XX/XX/XXXX. The <em>breach</em> exposed sensitive <em>data</em> including my health insurance details, medical records, and financial/payment information. I am concerned that this <em>breach</em> may have contributed to inaccuracies on my credit report."]},"sort":[16.024376,"13282958"]},{"_index":"complaint-public-v1","_id":"13912788","_score":16.022636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"MY INFORMATION WAS LEAKED DURING THE XXXX DATA BREACH AND THEY AREN'T DOING A PROPER INVESTIGATION. I AM ASKING FOR IMMEDIATE REMOVAL OF THIS INACCURATE ACCOUNT.","date_sent_to_company":"2025-06-05T21:57:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91764","tags":null,"has_narrative":true,"complaint_id":"13912788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-05T21:42:05.000Z","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":["MY INFORMATION WAS LEAKED DURING THE XXXX <em>DATA</em> <em>BREACH</em> AND THEY AREN'T DOING A <em>PROPER</em> <em>INVESTIGATION</em>. I AM ASKING FOR IMMEDIATE REMOVAL OF THIS INACCURATE ACCOUNT."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.022636,"13912788"]},{"_index":"complaint-public-v1","_id":"13282863","_score":16.008978,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX  ) via mail that my personal and financial information may have been compromised in a data breach that occurred between XX/XX/XXXX, and XX/XX/XXXX. The breach exposed sensitive data including my health insurance details, medical records, and financial/payment information. I am concerned that this breach may have contributed to inaccuracies on my credit report. I previously disputed certain accounts and also submitted a debt verification letter, but I have not received proper verification or resolution. I am requesting that the CFPB investigate and that the company involved either verify the debt with proper documentation or remove it from my credit file.","date_sent_to_company":"2025-05-01T04:37:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19027","tags":null,"has_narrative":true,"complaint_id":"13282863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-01T04:37:10.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["In XX/XX/XXXX, I was notified by XXXX XXXX ( XXXX  ) via mail that my personal and financial information may have been compromised in a <em>data</em> <em>breach</em> that occurred between XX/XX/XXXX, and XX/XX/XXXX. The <em>breach</em> exposed sensitive <em>data</em> including my health insurance details, medical records, and financial/payment information. I am concerned that this <em>breach</em> may have contributed to inaccuracies on my credit report."]},"sort":[16.008978,"13282863"]},{"_index":"complaint-public-v1","_id":"10018824","_score":15.861707,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within XXXX  days of this request. I previously informed your company that I am a victim of identity theft and the XXXX  data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!","date_sent_to_company":"2024-09-05T11:33:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"10018824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-05T11:19:26.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It's important to note that this matter is under <em>investigation</em> by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX <em>data</em> <em>breach</em> has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without <em>proper</em> documentation."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.861707,"10018824"]},{"_index":"complaint-public-v1","_id":"10019300","_score":15.85386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within XXXX  days of this request. I previously informed your company that I am a victim of identity theft and the XXXX  data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX  - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX XXXX - XXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX XXXX  - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. \n\nXXXX  XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! \n\nXXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!","date_sent_to_company":"2024-09-05T11:33:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"10019300","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-05T11:33:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It's important to note that this matter is under <em>investigation</em> by the FTC. Please remove these unverified claims from my report. \n\nXXXX - XXXX The XXXX <em>data</em> <em>breach</em> has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without <em>proper</em> documentation."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.85386,"10019300"]},{"_index":"complaint-public-v1","_id":"14733792","_score":15.76288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filled several disputes and I dont believe a proper investigation was done correctly even after I explained Im a victim of Fraud due to the recent data breach","date_sent_to_company":"2025-07-18T04:01:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"14733792","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-18T04:01:30.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have filled several disputes and I dont believe a <em>proper</em> <em>investigation</em> was done correctly even after I explained Im a victim of Fraud due to the recent <em>data</em> <em>breach</em>"]},"sort":[15.76288,"14733792"]},{"_index":"complaint-public-v1","_id":"14748102","_score":15.755484,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filled several disputes and I dont believe a proper investigation was done correctly even after I explained Im a victim of Fraud due to the recent data breach","date_sent_to_company":"2025-07-18T04:02:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"14748102","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-18T03:46:38.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have filled several disputes and I dont believe a <em>proper</em> <em>investigation</em> was done correctly even after I explained Im a victim of Fraud due to the recent <em>data</em> <em>breach</em>"]},"sort":[15.755484,"14748102"]},{"_index":"complaint-public-v1","_id":"14733791","_score":15.746073,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have filled several disputes and I dont believe a proper investigation was done correctly even after I explained Im a victim of Fraud due to the recent data breach","date_sent_to_company":"2025-07-18T04:01:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"14733791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-18T04:01:30.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have filled several disputes and I dont believe a <em>proper</em> <em>investigation</em> was done correctly even after I explained Im a victim of Fraud due to the recent <em>data</em> <em>breach</em>"]},"sort":[15.746073,"14733791"]},{"_index":"complaint-public-v1","_id":"13951944","_score":15.743567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Failure to Investigate, Data Breach, and FERPA Violations To Whom It May Concern, I am filing this formal complaint against XXXX, TransUnion, and XXXX  for failure to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, after multiple disputes were submitted regarding inaccurate and derogatory accounts on my credit report. \n\n\n\nDespite notifying all XXXX  credit bureaus of outdated, unverifiable, and derogatory information, including numerous late payments and collections, there has been no meaningful change to my credit profile. These items continue to negatively impact my credit standing without lawful verification or response timelines being honored. \n\n\n\nViolations Include : 1. FCRA 1681i Failure to Reinvestigate : The bureaus are required to investigate disputed information within XXXX XXXX  They have not provided verifiable documentation or proof of a proper investigation.\n\n2. FCRA 1681s-2 Reporting Inaccurate Information : Furnishers of information ( such as collection agencies and student loan servicers ) are reporting inaccurate data that remains uncorrected. \n\nXXXX. Data Breach Gross Negligence : As a victim of a documented data breach involving XXXX, TransUnion, and XXXX, my personal and sensitive financial information was compromised. These breaches put my data at risk and contributed to the ongoing harm to my credit standing. \n\n4. FERPA Violation Unauthorized Sharing of Student Loan Records : My student loan data ( from Dept of Education/NELN ) has been mishandled, reported inaccurately, and shared without proper consent, violating the Family Educational Rights and Privacy Act ( FERPA ) . \n\n\n\nHarm Done : Due to these violations, I have experienced significant financial harm : - Increased interest rates - Denials of credit - Mental and emotional distress - Invasion of privacy due to the breaches What I Demand : - A full deletion of all unverifiable, inaccurate, and outdated negative items from my credit report immediately. \n\n- A copy of all verification documentation used to verify the accounts I disputed. \n\n- A full investigation into the credit bureaus procedures, including how disputes were processed. \n\n- An explanation for why student loan records have been mishandled in violation of FERPA.\n\n- Appropriate compensation for any damages caused by the data breach and inaccurate reporting. \n\n\n\nAttached is my full credit audit report prepared on my behalf by XXXX XXXX XXXX, which details the continued reporting of these derogatory items despite previous attempts to have them corrected. \n\n\n\nFailure to address this matter will result in further legal action and formal complaints to additional government agencies, including the FTC and Department of Education. \n\n\n\nRespectfully, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-07T14:33:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"13951944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T14:33:20.000Z","state":"MO","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":["Formal Complaint Failure to <em>Investigate</em>, <em>Data</em> <em>Breach</em>, and FERPA Violations To Whom It May Concern, I am filing this formal complaint against XXXX, TransUnion, and XXXX  for failure to perform <em>proper</em> <em>investigations</em> as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, after multiple disputes were submitted regarding inaccurate and derogatory accounts on my credit report."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.743567,"13951944"]},{"_index":"complaint-public-v1","_id":"13951629","_score":15.743567,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Failure to Investigate, Data Breach, and XXXX Violations To Whom It May Concern, I am filing this formal complaint against Equifax, TransUnion, and Experian for failure to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, after multiple disputes were submitted regarding inaccurate and derogatory accounts on my credit report. \n\nDespite notifying all three credit bureaus of outdated, unverifiable, and derogatory information, including numerous late payments and collections, there has been no meaningful change to my credit profile. These items continue to negatively impact my credit standing without lawful verification or response timelines being honored. \n\nViolations Include : 1. FCRA 1681i Failure to Reinvestigate : The bureaus are required to investigate disputed information within XXXX XXXX They have not provided verifiable documentation or proof of a proper investigation.\n\n2. FCRA 1681s-2 Reporting Inaccurate Information : Furnishers of information ( such as collection agencies and student loan servicers ) are reporting inaccurate data that remains uncorrected. \n\n\nXXXX. Data Breach Gross Negligence : As a victim of a documented data breach involving XXXX, TransUnion, and XXXX, my personal and sensitive financial information was compromised. These breaches put my data at risk and contributed to the ongoing harm to my credit standing. \n\n\n4. FERPA Violation Unauthorized Sharing of Student Loan Records : My student loan data ( from US Dept of Ed and FedLoan ) has been mishandled, reported inaccurately, and shared without proper consent, violating the Family Educational Rights and Privacy Act ( XXXX ). \n\n\n\nHarm Done : Due to these violations, I have experienced significant financial harm : Increased interest rates Denials of credit Mental and emotional distress Invasion of privacy due to the breaches What I Demand : A full deletion of all unverifiable, inaccurate, and outdated negative items from my credit report immediately. \n\nA copy of all verification documentation used to verify the accounts I disputed. \n\nA full investigation into the credit bureaus procedures, including how disputes were processed. \n\nAn explanation for why student loan records have been mishandled in violation of XXXX. \n\nAppropriate compensation for any damages caused by the data breach and inaccurate reporting. \n\n\nAttached is my full credit audit report prepared on my behalf by XXXX XXXX XXXX, which details the continued reporting of these derogatory items despite previous attempts to have them corrected. \n\nFailure to address this matter will result in further legal action and formal complaints to additional government agencies, including the FTC and Department of Education. \n\nRespectfully, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-06-07T14:19:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"63033","tags":null,"has_narrative":true,"complaint_id":"13951629","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-07T14:18:51.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Failure to <em>Investigate</em>, <em>Data</em> <em>Breach</em>, and XXXX Violations To Whom It May Concern, I am filing this formal complaint against Equifax, TransUnion, and Experian for failure to perform <em>proper</em> <em>investigations</em> as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, after multiple disputes were submitted regarding inaccurate and derogatory accounts on my credit report."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.743567,"13951629"]},{"_index":"complaint-public-v1","_id":"13952170","_score":15.731506,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Failure to Investigate, Data Breach, and XXXX Violations To Whom It May Concern, I am filing this formal complaint against Equifax, TransUnion, and Experian for failure to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, after multiple disputes were submitted regarding inaccurate and derogatory accounts on my credit report. \n\nDespite notifying all three credit bureaus of outdated, unverifiable, and derogatory information, including numerous late payments and collections, there has been no meaningful change to my credit profile. These items continue to negatively impact my credit standing without lawful verification or response timelines being honored. \n\nViolations Include : 1. FCRA 1681i Failure to Reinvestigate : The bureaus are required to investigate disputed information within XXXX XXXX They have not provided verifiable documentation or proof of a proper investigation.\n\n2. FCRA 1681s-2 Reporting Inaccurate Information : Furnishers of information ( such as collection agencies and student loan servicers ) are reporting inaccurate data that remains uncorrected. \n\n\nXXXX. Data Breach Gross Negligence : As a victim of a documented data breach involving XXXX, TransUnion, and XXXX, my personal and sensitive financial information was compromised. These breaches put my data at risk and contributed to the ongoing harm to my credit standing. \n\n\n4. 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FERPA Violation Unauthorized Sharing of Student Loan Records : My student loan data ( from US Dept of Ed and FedLoan ) has been mishandled, reported inaccurately, and shared without proper consent, violating the Family Educational Rights and Privacy Act ( XXXX ). \n\n\n\nHarm Done : Due to these violations, I have experienced significant financial harm : Increased interest rates Denials of credit Mental and emotional distress Invasion of privacy due to the breaches What I Demand : A full deletion of all unverifiable, inaccurate, and outdated negative items from my credit report immediately. \n\nA copy of all verification documentation used to verify the accounts I disputed. \n\nA full investigation into the credit bureaus procedures, including how disputes were processed. \n\nAn explanation for why student loan records have been mishandled in violation of XXXX. \n\nAppropriate compensation for any damages caused by the data breach and inaccurate reporting. \n\n\nAttached is my full 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