{"took":351,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5590,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2855946","_score":16.557081,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have \" VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not \" REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.","date_sent_to_company":"2018-03-27T07:34:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32405","tags":null,"has_narrative":true,"complaint_id":"2855946","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-03-27T07:25:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Bankruptcy is a <em>public</em> record I contacted the courts myself and was advised that they <em>do</em> not \" REPORT/ VERIFY '' any <em>public</em> records for credit bureaus because the <em>information</em> that is on my credit report is invalid <em>which</em> is a violation of new <em>public</em> record law stating that if <em>public</em> record <em>includes</em> invalid <em>information</em> it must be removed."]},"sort":[16.557081,"2855946"]},{"_index":"complaint-public-v1","_id":"2855947","_score":16.548405,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have \" VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not \" REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.","date_sent_to_company":"2018-03-27T07:34:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32405","tags":null,"has_narrative":true,"complaint_id":"2855947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-27T07:34:29.000Z","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":["Bankruptcy is a <em>public</em> record I contacted the courts myself and was advised that they <em>do</em> not \" REPORT/ VERIFY '' any <em>public</em> records for credit bureaus because the <em>information</em> that is on my credit report is invalid <em>which</em> is a violation of new <em>public</em> record law stating that if <em>public</em> record <em>includes</em> invalid <em>information</em> it must be removed."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[16.548405,"2855947"]},{"_index":"complaint-public-v1","_id":"2736074","_score":15.949482,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.","date_sent_to_company":"2017-11-22T06:12:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"2736074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-11-22T00:42:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under new law effective XX/XX/XXXX any <em>public</em> record data must <em>include</em> name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the <em>information</em> and per the new law true Bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit report."],"issue":["Incorrect <em>information</em> on your report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> record <em>information</em> inaccurate"]},"sort":[15.949482,"2736074"]},{"_index":"complaint-public-v1","_id":"2736075","_score":15.945818,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.","date_sent_to_company":"2017-11-22T06:12:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"2736075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-11-22T01:12:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under new law effective XXXX XXXX, 2017 any <em>public</em> record data must <em>include</em> name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the <em>information</em> and per the new law true Bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit report."],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Public</em> record <em>information</em> inaccurate"]},"sort":[15.945818,"2736075"]},{"_index":"complaint-public-v1","_id":"2736076","_score":15.93916,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.","date_sent_to_company":"2017-11-22T06:12:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"2736076","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-11-22T01:12:50.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under new law effective XXXX XXXX, 2017 any <em>public</em> record data must <em>include</em> name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the <em>information</em> and per the new law true Bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit report."],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> record <em>information</em> inaccurate"]},"sort":[15.93916,"2736076"]},{"_index":"complaint-public-v1","_id":"8385789","_score":15.730013,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. Equifax obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.","date_sent_to_company":"2024-02-20T19:08:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"8385789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-20T18:36:32.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-<em>public</em> personal <em>information</em> ( per 17 CFR 248.3 the definition of non-<em>public</em> personal <em>information</em> <em>includes</em> personally identifiable financial <em>information</em>, <em>which</em> is account balances or transactions ). I have contacted the companies in <em>which</em> I have accounts with and have asked to opt out of any disclosures of my non <em>public</em> personal <em>information</em> to non-affiliated third parties."]},"sort":[15.730013,"8385789"]},{"_index":"complaint-public-v1","_id":"8385601","_score":15.730013,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. XXXX obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.","date_sent_to_company":"2024-02-20T19:08:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"8385601","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-20T19:08:17.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-<em>public</em> personal <em>information</em> ( per 17 CFR 248.3 the definition of non-<em>public</em> personal <em>information</em> <em>includes</em> personally identifiable financial <em>information</em>, <em>which</em> is account balances or transactions ). I have contacted the companies in <em>which</em> I have accounts with and have asked to opt out of any disclosures of my non <em>public</em> personal <em>information</em> to non-affiliated third parties."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[15.730013,"8385601"]},{"_index":"complaint-public-v1","_id":"8385522","_score":15.72697,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-public personal information ( per 17 CFR 248.3 the definition of non-public personal information includes personally identifiable financial information, which is account balances or transactions ). I have contacted the companies in which I have accounts with and have asked to opt out of any disclosures of my non public personal information to non-affiliated third parties. The protections of 17 CFR 248 require a clear and conspicuous opt out opportunity for the disclosure of Non public personal information, which I did not receive. Of course, where these laws overlap, the Fair Credit Reporting Act supersedes these laws. The definition of a Consumer Report per the Fair Credit Reporting Act is : any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and specifically does NOT include transactions and/or balances. XXXX obtained this information in a non compliant disclosure of my information and I requested they remove this specific information from their systems and my consumer report and they did not comply.","date_sent_to_company":"2024-02-20T19:08:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"8385522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-20T19:08:17.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have read the terms and conditions of all of my credit accounts and have learned they will not share my non-<em>public</em> personal <em>information</em> ( per 17 CFR 248.3 the definition of non-<em>public</em> personal <em>information</em> <em>includes</em> personally identifiable financial <em>information</em>, <em>which</em> is account balances or transactions ). I have contacted the companies in <em>which</em> I have accounts with and have asked to opt out of any disclosures of my non <em>public</em> personal <em>information</em> to non-affiliated third parties."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[15.72697,"8385522"]},{"_index":"complaint-public-v1","_id":"2586575","_score":15.648877,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report","date_sent_to_company":"2017-07-26T23:43:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33844","tags":"Servicemember","has_narrative":true,"complaint_id":"2586575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-07-26T22:56:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under the new law, <em>which</em> went onto effect XXXX XXXX, 2017, any <em>public</em> record data must <em>include</em> name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the <em>information</em> and per the new law the bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit report"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Public</em> record <em>information</em> inaccurate"]},"sort":[15.648877,"2586575"]},{"_index":"complaint-public-v1","_id":"2589731","_score":15.64305,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.","date_sent_to_company":"2017-07-31T06:57:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70560","tags":null,"has_narrative":true,"complaint_id":"2589731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-31T02:46:15.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["After reviewing the new law <em>which</em> became effective XXXX XXXX, 2017 and <em>public</em> record data must <em>include</em> the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the <em>information</em> and per the new law true Bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit report immediately."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[15.64305,"2589731"]},{"_index":"complaint-public-v1","_id":"2589729","_score":15.642573,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.","date_sent_to_company":"2017-07-31T06:57:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70560","tags":null,"has_narrative":true,"complaint_id":"2589729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-31T02:57:47.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["After reviewing the new law <em>which</em> became effective XXXX XXXX, 2017 and <em>public</em> record data must <em>include</em> the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the <em>information</em> and per the new law true Bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit report immediately."]},"sort":[15.642573,"2589729"]},{"_index":"complaint-public-v1","_id":"2586569","_score":15.642573,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report","date_sent_to_company":"2017-07-26T23:43:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33844","tags":"Servicemember","has_narrative":true,"complaint_id":"2586569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-26T23:43:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Under the new law, <em>which</em> went onto effect XXXX XXXX, 2017, any <em>public</em> record data must <em>include</em> name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the <em>information</em> and per the new law the bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit report"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Public</em> record <em>information</em> inaccurate"]},"sort":[15.642573,"2586569"]},{"_index":"complaint-public-v1","_id":"2845396","_score":15.268325,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have \" VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not \" REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.","date_sent_to_company":"2018-03-16T04:46:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"2845396","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-03-16T04:46:24.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["of new <em>public</em> record law stating that if <em>public</em> record <em>includes</em> invalid <em>information</em> it must be removed."]},"sort":[15.268325,"2845396"]},{"_index":"complaint-public-v1","_id":"2845395","_score":15.255205,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX, XXXX, and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have \" VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not \" REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.","date_sent_to_company":"2018-03-16T04:46:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"2845395","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-16T04:46:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["of new <em>public</em> record law stating that if <em>public</em> record <em>includes</em> invalid <em>information</em> it must be removed."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[15.255205,"2845395"]},{"_index":"complaint-public-v1","_id":"2845389","_score":15.255205,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have \" VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not \" REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX  which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.","date_sent_to_company":"2018-03-16T04:46:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30083","tags":null,"has_narrative":true,"complaint_id":"2845389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-16T04:35:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["of new <em>public</em> record law stating that if <em>public</em> record <em>includes</em> invalid <em>information</em> it must be removed."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[15.255205,"2845389"]},{"_index":"complaint-public-v1","_id":"3123683","_score":15.152383,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have entered a dispute to have this BK removed from my file previously. Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. None of the 3 credit bureaus can verify the BK, ( because the court doesn't share information with credit companies ). LexisNexus is staying that one of the credit bureaus have verified the bankruptcy which is untrue. They refuse to remove this public record or state how it has been verified. Ive reached out to pacer and the BK courts and they both have stated that they do not share Bk information by way of phone, fax or email. LexisNexus has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file. This negative/unverified report is hindering me from getting credit extended to me.","date_sent_to_company":"2019-01-13T22:26:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30253","tags":null,"has_narrative":true,"complaint_id":"3123683","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2019-01-13T22:16:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Ive reached out to pacer and the BK courts and they both have stated that they <em>do</em> not share Bk <em>information</em> by way of phone, fax or email. LexisNexus has not updated the <em>information</em> and per the new law the bankruptcy listed <em>does</em> not <em>include</em> this <em>information</em> and should be deleted from my credit file. This negative/unverified report is hindering me from getting credit extended to me."]},"sort":[15.152383,"3123683"]},{"_index":"complaint-public-v1","_id":"2678687","_score":15.13834,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im am writing in reference to a released tax lien that is reporting on my Equifax credit report as The lien has been released as of XXXX 2014I have filed numerous disputes in having this public record removed both by phone and by mail. Most recently XX/XX/XXXX which Equifax stated they obtained public record items from local, state and federal courts through a third party vendor. Equifax also stated : they reviewed the lien information and verified the public record item is reporting correctly.They further instructed me. that if I have additional questions about this item please contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA. Under the new law effective XX/XX/XXXX any public record data must include name, address, social security number, date of birth in order to appear in your credit file.Equifax has not updated the information and per that law the released tax lien listed does not include all the required information and should be deleted from my credit file.","date_sent_to_company":"2017-09-19T20:26:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30106","tags":null,"has_narrative":true,"complaint_id":"2678687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-19T20:01:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Under the new law effective XX/XX/XXXX any <em>public</em> record data must <em>include</em> name, address, social security number, date of birth in order to appear in your credit file.Equifax has not updated the <em>information</em> and per that law the released tax lien listed <em>does</em> not <em>include</em> all the required <em>information</em> and should be deleted from my credit file."]},"sort":[15.13834,"2678687"]},{"_index":"complaint-public-v1","_id":"8095241","_score":15.030272,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) regarding a dispute I raised regarding a public record, specifically reference number XXXX, which is listed on my ARS consumer report. On XX/XX/XXXX, I mailed a dispute letter challenging the accuracy of this public record. ARS responded to my dispute on XX/XX/XXXX, verifying the public record information. \n\nI respectfully disagree with the results of the investigation conducted by ARS, as the information in the public record is not accurate. The discrepancies include but are not limited to : XXXX. The Primary Debtor 's name is listed as \" XXXX XXXX XXXX XXXX, '' which is not the correct spelling of my legal name, \" XXXX XXXX XXXX. '' XXXX. The zip code for the XXXX XXXX 's address is listed as XXXX, which does not correspond to my correct zip code. \nXXXX. There is an entry for \" XXXX XXXX XXXX XXXX XXXX' which I do not recognize and is not associated with me. \nXXXX. Under the bankruptcy detail, the bankruptcy chapter is listed as \" XXXX XXXX a '' with a date of XX/XX/XXXX. I am not familiar with this information.","date_sent_to_company":"2024-01-02T18:46:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34786","tags":null,"has_narrative":true,"complaint_id":"8095241","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2024-01-02T18:38:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I respectfully disagree with the results of the investigation conducted by ARS, as the <em>information</em> in the <em>public</em> record is not accurate. The discrepancies <em>include</em> but are not limited to : XXXX. The Primary Debtor 's name is listed as \" XXXX XXXX XXXX XXXX, '' <em>which</em> is not the correct spelling of my legal name, \" XXXX XXXX XXXX. '' XXXX. The zip code for the XXXX XXXX 's address is listed as XXXX, <em>which</em> <em>does</em> not correspond to my correct zip code. \nXXXX."]},"sort":[15.030272,"8095241"]},{"_index":"complaint-public-v1","_id":"8529481","_score":14.521276,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After opting out per 15 USC 6802, XX/XX/24,, with respect to personal information, Synchrony Bank a financial institution according to, 15U.S Code 6802 ( b ) MAY NOT disclose non public personal information [ ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information ; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. to a non affiliated third party, UNLESS, ( A ) a financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ] Synchrony disclosed in the application that they MAY disclose information to CRAs, However Synchrony failed to follow section B. ( B theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. Which was not done, and Permissible Purpose 15 U.S.C 1681 ( a ) Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. This right was not granted and Principal was not contacted, violating principals consumers rights. And a violation of 16 CFR Part 313.1 Purpose and Scope. Also 15 U.S.C 1681 ( a ) Section 2 ExclusionsExcept as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Synchrony Bank directly violated by reporting non public personal information in regards to transactions and experiences further causing harm to consumer. Synchrony is in direct violation of my consumer rights.\n\nSynchrony refuses to follow consumer rights laws.","date_sent_to_company":"2024-03-12T21:32:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90802","tags":null,"has_narrative":true,"complaint_id":"8529481","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2024-03-12T21:11:06.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["financial institution. ( B ) Such term <em>does</em> not <em>include</em> <em>publicly</em> available <em>information</em>, as such term is defined by the regulations prescribed under section 6804 of this title ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived using any nonpublic personal <em>information</em> other than <em>publicly</em> available <em>information</em> ; but ( ii ) shall not <em>include</em> any list, description"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[14.521276,"8529481"]},{"_index":"complaint-public-v1","_id":"4504657","_score":14.38529,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent XXXX and Experian by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..","date_sent_to_company":"2021-06-30T17:53:00.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"4504657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-06-30T17:52:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have sent XXXX and Experian by certified mail that they are reporting inaccurate <em>information</em>. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting <em>public</em> records <em>which</em> is very much a violation <em>public</em> records <em>do</em> not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, <em>which</em> I've sent with everything that enclosed ..."],"company":["Experian <em>Information</em> Solutions Inc."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[14.38529,"4504657"]},{"_index":"complaint-public-v1","_id":"8154307","_score":14.376393,"_source":{"product":"Credit card","complaint_what_happened":"I'm just gon na start this off by saying these people are so annoying. I wrote a letter to bank of America to inform them that I am opting out and revoking all previous permission that I may have given them in terms of sharing my nonpublic personal information to any non-affiliate. Bank of America knows that they are not affiliated with XXXX XXXX XXXX and XXXX and that it does not fall under any exemption that is either in 12 CFR 1016 or 15 USC 6802 of course they always have some stupid excuse as to why they can't do something or you can't speak to a representative who has a little bit more power to get anything done so I'm making this notice available to the CFPB to demand remedy. Bank of America received an opt out notice from me about a month ago dated XX/XX/2023. The opt out notice stated that I was revoking any verbal or nonverbal permission that I gave them to share my nonpublic personal information with any non-affiliate indefinitely. Bank of America has still not made communication with me sharing my nonpublic personal information with non-affiliates such as XXXX, XXXX XXXX and XXXX who by the way do not fall under the exemptions for who Bank of America can share non-public personal information with. This is irritating because Bank of America along with these other creditors never follow the rules but the consumers are always supposed to follow the rules. in addition they did not give any notice on how to opt out of sharing my nonpublic personal information with non- affiliates which is also against the law. I am demanding that Bank of America rectify the situation by removing my non-public personal information and stop sharing my non-public personal information who is non-affiliates who do not have an exemption under 12 CFR 1016 and 15 USC 6802 such as XXXX, XXXX XXXX and XXXX. If anyone is confused about what non-public personal information is here is the formal definition of the term as provided by both 12 CFR 1016 and 15 USC 6802.\n\n12 CFR 1016 : Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. \n\n15 USC 6802 : Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. \n\nThis makes the whole transaction nonpublic personal information as the transaction itself is private.","date_sent_to_company":"2024-01-13T22:32:32.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"8154307","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-13T22:19:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":[". ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived using any nonpublic personal <em>information</em> other than <em>publicly</em> available <em>information</em>; but ( ii ) shall not <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived without using any nonpublic personal <em>information</em>."],"issue":["Incorrect <em>information</em> on your report"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.376393,"8154307"]},{"_index":"complaint-public-v1","_id":"4504641","_score":14.364553,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have sent Transunion and XXXX  by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..","date_sent_to_company":"2021-06-30T17:52:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"305XX","tags":null,"has_narrative":true,"complaint_id":"4504641","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-06-30T16:49:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have sent Transunion and XXXX  by certified mail that they are reporting inaccurate <em>information</em>. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting <em>public</em> records <em>which</em> is very much a violation <em>public</em> records <em>do</em> not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, <em>which</em> I've sent with everything that enclosed ..."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a <em>public</em> response"]},"sort":[14.364553,"4504641"]},{"_index":"complaint-public-v1","_id":"8240014","_score":14.316549,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. \nAnything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nnonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.","date_sent_to_company":"2024-01-28T18:29:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44128","tags":"Servicemember","has_narrative":true,"complaint_id":"8240014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade CISS Holdings, LLC","date_received":"2024-01-28T18:29:39.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived using any nonpublic personal <em>information</em> other than <em>publicly</em> available <em>information</em>; but ( ii ) shall not <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived without using any nonpublic"]},"sort":[14.316549,"8240014"]},{"_index":"complaint-public-v1","_id":"8239931","_score":14.315007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a matter of great concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which outlines the permissible purposes for obtaining consumer reports. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. \nAnything added to your report without your written consent could be considered Identity theft 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nnonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.","date_sent_to_company":"2024-01-28T18:29:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44128","tags":"Servicemember","has_narrative":true,"complaint_id":"8239931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2024-01-28T18:10:24.000Z","state":"OH","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived using any nonpublic personal <em>information</em> other than <em>publicly</em> available <em>information</em>; but ( ii ) shall not <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived without using any nonpublic"]},"sort":[14.315007,"8239931"]},{"_index":"complaint-public-v1","_id":"8052824","_score":14.262909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that XXXX XXXX XXXX reported my banking transaction history without my consent, which I believe is a direct breach of my rights under federal consumer protection laws. \n\nI have attached the proof of claim showing each transaction this company has shared without my consent. \n\nI have sent notice to the company and have yet to receive a response on this matter. \n\n[ 15 U.S.C. 1681b ] ( 2 ) states I must give them written permission to share my nonpublic information. Nonpublic information is defined as the following : Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.","date_sent_to_company":"2023-12-24T08:26:14.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"85339","tags":null,"has_narrative":true,"complaint_id":"8052824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-12-24T08:07:13.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived using any nonpublic personal <em>information</em> other than <em>publicly</em> available <em>information</em>; but ( ii ) shall not <em>include</em> any list, description, or other grouping of consumers ( and <em>publicly</em> available <em>information</em> pertaining to them ) that is derived without using"]},"sort":[14.262909,"8052824"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5590,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5590}]}},"product":{"doc_count":5590,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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