{"took":139,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3087,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16209861","_score":17.904732,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Dispute Transunions Failure to Complete Investigation Within Statutory Timeframe Immediate Deletion Required To : CFPB / TransUnion This is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). \n\nThe following accounts are being reported inaccurately and remain unresolved : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX I originally submitted disputes regarding these accounts more than 30 days ago. As shown in the attached PDF proof ( screenshot from CFPBs platform ), TransUnion has failed to complete the required reinvestigation within the statutory period. This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The current delay exceeds the statutory limit by nearly two months.\n\nBecause the bureau has failed to comply with the reinvestigation requirement, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to immediately delete these accounts from my credit file.\n\nThis is not a request for further reinvestigation. It is a demand for deletion of the listed accounts, effective immediately, as required by law when the bureau fails to meet the 30-day reinvestigation deadline.\n\nPlease update your records, delete the accounts, and provide written confirmation of permanent removal.\n\nAttachment : CFPB Proof PDF Evidence of Violation","date_sent_to_company":"2025-09-26T06:40:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07701","tags":null,"has_narrative":true,"complaint_id":"16209861","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-26T06:33:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["As shown in the attached PDF proof ( screenshot from CFPBs platform ), TransUnion has <em>failed</em> to <em>complete</em> the required reinvestigation <em>within</em> the <em>statutory</em> period. This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The current delay exceeds the <em>statutory</em> limit by nearly two months.\n\nBecause the bureau has <em>failed</em> to comply with the reinvestigation requirement, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to immediately delete these accounts from my credit file."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.904732,"16209861"]},{"_index":"complaint-public-v1","_id":"13218505","_score":17.722025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Dispute Within 30 Days ( Experian ) Complaint : I am filing this complaint because Experian failed to adhere to its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies complete investigations of disputed information within 30 days of receiving notice of a dispute. \n\nOn I submitted a formal dispute to Experian regarding the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Experian acknowledged receipt of my dispute on XX/XX/year> via USPS Certified mail but failed to complete the investigation and provide the results within the required 30-day period. \n\nUnder the FCRA, if a consumer reporting agency does not complete a dispute investigation within the statutory timeframe, the disputed information must be immediately removed from the consumers credit report. \n\nRequested Resolution : I request that the CFPB require Experian to : Immediately delete all items I disputed from my credit file due to noncompliance with the 30-day investigation requirement.\n\nProvide written confirmation of the deletions. \nEnsure no reinsertion of the deleted information without full compliance with FCRA reinvestigation procedures. \nThank you for your attention to this serious violation of my rights","date_sent_to_company":"2025-04-28T18:51:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11205","tags":null,"has_narrative":true,"complaint_id":"13218505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-28T18:32:06.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to <em>Investigate</em> Dispute <em>Within</em> 30 Days ( Experian ) Complaint : I am filing this complaint because Experian <em>failed</em> to adhere to its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies <em>complete</em> <em>investigations</em> of disputed information <em>within</em> 30 days of receiving notice of a dispute."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.722025,"13218505"]},{"_index":"complaint-public-v1","_id":"13209276","_score":17.69684,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Investigate Dispute Within 30 Days ( XXXX  ) Complaint : I am filing this complaint because XXXX  failed to adhere to its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies complete investigations of disputed information within 30 days of receiving notice of a dispute. \n\nOn I submitted a formal dispute to XXXX  regarding the following items : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acknowledged receipt of my dispute on XX/XX/year> via USPS Certified mail but failed to complete the investigation and provide the results within the required 30-day period. \n\nUnder the FCRA, if a consumer reporting agency does not complete a dispute investigation within the statutory timeframe, the disputed information must be immediately removed from the consumers credit report. \n\nRequested Resolution : I request that the CFPB require XXXX  to : Immediately delete all items I disputed from my credit file due to noncompliance with the 30-day investigation requirement. \nProvide written confirmation of the deletions. \nEnsure no reinsertion of the deleted information without full compliance with FCRA reinvestigation procedures. \nThank you for your attention to this serious violation of my rights","date_sent_to_company":"2025-04-28T18:51:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11205","tags":null,"has_narrative":true,"complaint_id":"13209276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2025-04-28T18:51:07.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to <em>Investigate</em> Dispute <em>Within</em> 30 Days ( XXXX  ) Complaint : I am filing this complaint because XXXX  <em>failed</em> to adhere to its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies <em>complete</em> <em>investigations</em> of disputed information <em>within</em> 30 days of receiving notice of a dispute."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.69684,"13209276"]},{"_index":"complaint-public-v1","_id":"17324561","_score":17.573442,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint because Equifax has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), by failing to complete my dispute investigation within the legally mandated 30-day timeframe.\n\nDespite submitting a proper dispute and providing all necessary information, Equifax failed to respond within the statutory time limit, and the accounts I challenged remain on my credit file unverified, inaccurate, and damaging.\n\nThe following derogatory accounts are still being reported, even though Equifax did not complete a legally compliant investigation within 30 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts continue to report charge-offs, delinquencies, and derogatory statuses, despite the fact that Equifax exceeded the federal investigation deadline and failed to produce any verified results.\n\nThis constitutes a direct violation of FCRA requirements for accuracy, timely investigation, and consumer protection.\n\nEquifaxs failure to respond is negligent, unlawful, and is causing ongoing harm to my credit profile and financial standing.","date_sent_to_company":"2025-11-18T20:26:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33181","tags":null,"has_narrative":true,"complaint_id":"17324561","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T20:20:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am filing this formal complaint because Equifax has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), by failing to <em>complete</em> my dispute <em>investigation</em> <em>within</em> the legally mandated 30-day timeframe.\n\nDespite submitting a proper dispute and providing all necessary information, Equifax <em>failed</em> to respond <em>within</em> the <em>statutory</em> time limit, and the accounts I challenged remain on my credit file unverified, inaccurate, and damaging."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.573442,"17324561"]},{"_index":"complaint-public-v1","_id":"16679042","_score":17.549,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a dispute to Equifax regarding fraudulent accounts that do not belong to me. Along with my dispute, I provided a police report, an FTC Identity Theft Report, and proof of identity verifying the fraudulent nature of the accounts.\n\nUnder FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation and correct or delete inaccurate information within 30 days. Additionally, FCRA 605B requires that any information identified as resulting from identity theft be blocked within 4 business days after receiving an identity theft report.\n\nDespite this, Equifax has failed to complete the investigation or remove the fraudulent accounts within the statutory timeframe. These delays continue to harm my credit and cause ongoing frustration and financial stress.","date_sent_to_company":"2025-10-19T19:13:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29036","tags":"Servicemember","has_narrative":true,"complaint_id":"16679042","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-19T19:04:15.000Z","state":"SC","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable <em>investigation</em> and correct or delete inaccurate information <em>within</em> 30 days. Additionally, FCRA 605B requires that any information identified as resulting from identity theft be blocked <em>within</em> 4 business days after receiving an identity theft report.\n\nDespite this, Equifax has <em>failed</em> to <em>complete</em> the <em>investigation</em> or remove the fraudulent accounts <em>within</em> the <em>statutory</em> timeframe."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.549,"16679042"]},{"_index":"complaint-public-v1","_id":"17530457","_score":17.533457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Experian Failed to Respond Within 30 Days to My FCRA Investigation Request To Whom It May Concern, I am submitting this complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) by failing to complete and provide the results of an investigation within the required 30-day period. \n\nOn [ insert date ], I submitted a written dispute to Experian requesting an investigation into inaccurate and unverifiable information appearing on my consumer report. Under FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ), Experian is required to : Conduct a reasonable investigation, and Provide the consumer the results within 30 days.\n\nIt has now been over 30 days, and Experian has not provided any response, results, verification, or communication. This is a direct violation of federal law.\n\nUnder FCRA 611 ( a ) ( 5 ) ( A ), any disputed information that can not be verified during a timely investigation must be deleted. Because Experian failed to complete the investigation or provide results within the required statutory period, the disputed information is legally considered unverifiable. \n\nRequested Action by CFPB I am requesting the CFPB to require Experian to : 1. Conduct a lawful investigation, or 2. Delete all disputed accounts immediately due to failure to respond within 30 days, and 3. Provide me with an updated, corrected consumer report. \n\nThank you for your assistance in resolving this violation of my consumer rights. \n\nXXXX XXXX","date_sent_to_company":"2025-11-26T13:44:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"17530457","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-26T13:37:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Because Experian <em>failed</em> to <em>complete</em> the <em>investigation</em> or provide results <em>within</em> the required <em>statutory</em> period, the disputed information is legally considered unverifiable. \n\nRequested Action by CFPB I am requesting the CFPB to require Experian to : 1. Conduct a lawful <em>investigation</em>, or 2. Delete all disputed accounts immediately due to failure to respond <em>within</em> 30 days, and 3. Provide me with an updated, corrected consumer report."]},"sort":[17.533457,"17530457"]},{"_index":"complaint-public-v1","_id":"18237297","_score":17.516197,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Transunion Failed to Respond Within 30 Days to My FCRA Investigation Request To Whom It May Concern, I am submitting this complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ) by failing to complete and provide the results of an investigation within the required 30-day period. On [ insert date ], I submitted a written dispute to Transunion requesting an investigation into inaccurate and unverifiable information appearing on my consumer report. Under FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ), Transunion is required to : Conduct a reasonable investigation, and Provide the consumer the results within 30 days. It has now been over 30 days, and Transunion has not provided any response, results, verification, or communication. This is a direct violation of federal law. Under FCRA 611 ( a ) ( 5 ) ( A ), any disputed information that can not be verified during a timely investigation must be deleted. Because Transunion failed to complete the investigation or provide results within the required statutory period, the disputed information is legally considered unverifiable. Requested Action by CFPB I am requesting the CFPB to require Transunion to : 1. Conduct a lawful investigation, or 2. Delete all disputed accounts immediately due to failure to respond within 30 days, and 3. Provide me with an updated, corrected consumer report. Thank you for your assistance in resolving this violation of my consumer rights. XXXX XXXX","date_sent_to_company":"2025-12-23T03:05:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"18237297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-23T02:55:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Because Transunion <em>failed</em> to <em>complete</em> the <em>investigation</em> or provide results <em>within</em> the required <em>statutory</em> period, the disputed information is legally considered unverifiable. Requested Action by CFPB I am requesting the CFPB to require Transunion to : 1. Conduct a lawful <em>investigation</em>, or 2. Delete all disputed accounts immediately due to failure to respond <em>within</em> 30 days, and 3. Provide me with an updated, corrected consumer report."]},"sort":[17.516197,"18237297"]},{"_index":"complaint-public-v1","_id":"17328207","_score":17.258167,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint because Equifax has failed to complete my investigation within the required 30-day period, as mandated by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ).\n\nThey have exceeded the legally permitted timeframe and have not provided any response, update, or resolution, which is a direct violation of federal law. \n\nDespite my dispute being properly submitted, Equifax continues to report two inaccurate and harmful accounts that do not belong to me and remain unverified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are continuing to damage my credit profile, financial stability, and overall consumer rights. \nEquifax 's failure to respond within the required timeframe is not only unlawful but demonstrates a reckless disregard for their obligations under the FCRA. \n\nI have fully cooperated, submitted all necessary documents, and waited beyond the statutory period. \nEquifax has failed in its duty to complete a reasonable investigation, provide results, or delete unverified data.","date_sent_to_company":"2025-11-18T19:05:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33771","tags":null,"has_narrative":true,"complaint_id":"17328207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T18:56:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Equifax 's failure to respond <em>within</em> the required timeframe is not only unlawful but demonstrates a reckless disregard for their obligations under the FCRA. \n\nI have fully cooperated, submitted all necessary documents, and waited beyond the <em>statutory</em> period. \nEquifax has <em>failed</em> in its duty to <em>complete</em> a reasonable <em>investigation</em>, provide results, or delete unverified data."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.258167,"17328207"]},{"_index":"complaint-public-v1","_id":"18216989","_score":17.18933,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I submitted a credit reporting dispute against Equifax Information Services, LLC through the CFPB portal, including all documentation relevant to the dispute at the time of submission.\n\nI did not submit any additional information or documents after XX/XX/year>. Therefore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax was required to complete its investigation within 30 days. Equifax was not legally entitled to a 45-day extension under 1681i ( a ) ( 1 ) ( B ) because no additional information was provided by me.\n\nEquifax failed to complete the investigation within the statutory timeframe and did not issue a response until XX/XX/year>, approximately 53 days after receipt of the dispute. This exceeds both the 30-day and 45-day investigation limits and constitutes a clear procedural violation of the FCRA.\n\nDespite failing to complete a lawful and timely investigation, Equifax continued reporting the disputed tradeline and merely marked it as updated. Continued reporting of disputed information without timely verification violates 15 U.S.C. 1681i ( a ) and 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.\n\nOnce the statutory investigation period expired, the disputed information became legally unverified. Equifax had no permissible purpose to continue reporting this information and its continued reporting constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o.\n\nEquifaxs actions have caused ongoing harm by maintaining inaccurate or unverified information on my consumer report and demonstrate a pattern of systemic noncompliance with federally mandated dispute procedures.\n\nI am placing Equifax on formal notice that its failure to comply with the FCRA exposes it to civil liability, including statutory damages, actual damages, attorneys fees, and costs, as provided by law","date_sent_to_company":"2025-12-22T13:57:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"18216989","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-22T13:51:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Therefore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax was required to <em>complete</em> its <em>investigation</em> <em>within</em> 30 days. Equifax was not legally entitled to a 45-day extension under 1681i ( a ) ( 1 ) ( B ) because no additional information was provided by me.\n\nEquifax <em>failed</em> to <em>complete</em> the <em>investigation</em> <em>within</em> the <em>statutory</em> timeframe and did not issue a response until XX/XX/year>, approximately 53 days after receipt of the dispute."]},"sort":[17.18933,"18216989"]},{"_index":"complaint-public-v1","_id":"14683455","_score":16.952007,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal escalation regarding two unresolved complaints against Experian ( Complaint IDs XXXX and XXXX ). In both cases, Experian failed to comply with the 30-day reinvestigation requirement under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). \n\nI submitted disputes via certified mail on XX/XX/XXXX and XX/XX/year>. XXXX was confirmed via XXXX tracking. Experian failed to respond with the results of any reinvestigation or provide verification within the 30-day window. That statutory deadline passed on XX/XX/year> ( for the first dispute ), without resolution.\n\nUnder FCRA 1681i ( a ) ( 5 ) ( A ), any item that can not be verified within 30 days must be deleted. Experian is not legally permitted to extend the investigation indefinitely or respond months later to preserve inaccurate reporting.\n\nTheir failure to : Complete a reinvestigation within 30 days, Provide method of verification or furnisher contact info, XXXX  accounts as disputed in a timely fashion, Remove unverifiable data constitutes a clear and ongoing violation of federal law. I have attached the original dispute letters, proof of delivery, and copies of my credit report showing no change. Experians continued reporting after missing their statutory deadline is both unlawful and harmful.","date_sent_to_company":"2025-07-16T19:30:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"14683455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T19:07:16.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Under FCRA 1681i ( a ) ( 5 ) ( A ), any item that can not be verified <em>within</em> 30 days must be deleted. Experian is not legally permitted to extend the <em>investigation</em> indefinitely or respond months later to preserve inaccurate reporting.\n\nTheir failure to : <em>Complete</em> a reinvestigation <em>within</em> 30 days, Provide method of verification or furnisher contact info, XXXX  accounts as disputed in a timely fashion, Remove unverifiable data constitutes a clear and ongoing violation of federal law."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.952007,"14683455"]},{"_index":"complaint-public-v1","_id":"16159516","_score":16.914782,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that Equifax comply with the Fair Credit Reporting Act ( FCRA ) by deleting the disputed late payment information, as they failed to complete my dispute within the required statutory period. \nEquifax has provided me with multiple contradictory letters : One letter stating my dispute was a duplicate and would not be reinvestigated. \nAnother letter claiming they could not verify my identity, even though I had already submitted valid proof ( drivers license, Social Security card, and utility bill ). \nAnother letter showing that the investigation was waived/closed without providing me with the results. \nTo date, Equifax has not completed the reinvestigation of my first dispute and never provided me with results, even though the FCRA requires them to respond within 30 days ( or 45 days if additional information is requested ). That deadline has long passed. \nBecause Equifax failed to comply with the FCRAs investigation timeline, the disputed late payment must be deleted from my credit file. \nThis resolution is fair because Equifax violated federal law by exceeding the 30-day dispute timeline, and deletion is the only corrective remedy allowed under the FCRA in this situation.","date_sent_to_company":"2025-09-24T13:32:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"487XX","tags":null,"has_narrative":true,"complaint_id":"16159516","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-24T13:24:17.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am requesting that Equifax comply with the Fair Credit Reporting Act ( FCRA ) by deleting the disputed late payment information, as they <em>failed</em> to <em>complete</em> my dispute <em>within</em> the required <em>statutory</em> period. \nEquifax has provided me with multiple contradictory letters : One letter stating my dispute was a duplicate and would not be reinvestigated."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.914782,"16159516"]},{"_index":"complaint-public-v1","_id":"13711697","_score":16.805555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, This is a formal supplement to my previous CFPB complaint filed on XX/XX/year>, against Experian regarding inaccurate tradeline and address reporting. \n\nUnder the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), Experian was legally required to complete a reinvestigation within 30 days of receiving my dispute. However, the only response I received was on XX/XX/year> exactly 30 days later and it did not include the results of a reinvestigation. The message was vague, generic, and failed to meet the statutory requirements. \n\nA general acknowledgment that a dispute is under review does not fulfill Experians obligations under the FCRA. The law mandates that a reinvestigation be completed and results delivered within 30 days, including : 1. The outcome of the investigation.\n\n2. The name and contact details of any furnisher used for verification.\n\n3. Copies of the documentation relied upon to validate the reported information.","date_sent_to_company":"2025-05-26T20:50:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30144","tags":null,"has_narrative":true,"complaint_id":"13711697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-26T20:44:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The law mandates that a reinvestigation be <em>completed</em> and results delivered <em>within</em> 30 days, including : 1. The outcome of the <em>investigation</em>.\n\n2. The name and contact details of any furnisher used for verification.\n\n3. Copies of the documentation relied upon to validate the reported information."]},"sort":[16.805555,"13711697"]},{"_index":"complaint-public-v1","_id":"10895377","_score":16.596088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address your failure to investigate and correct inaccurate information reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I previously disputed certain items on my credit report under FCRA Section 611 ( a ), but despite this, your agency has failed to complete a proper investigation and resolve the discrepancies in the required 30-day period.\n\nAs a result, I am left with inaccurate and incomplete information on my credit report. This letter serves as my formal demand for immediate correction of these inaccuracies. Please be advised that the FCRA mandates that all credit reporting agencies conduct a thorough and timely investigation of disputed information. I request that you take the following actions as soon as possible.\n\nFailure to Comply with FCRA Section 611 ( a ) ( Investigation Requirements ) : Under FCRA Section 611 ( a ), when a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must complete a reasonable investigation within 30 days. This investigation must include reviewing the information provided by the consumer and contacting the furnishers of the information to verify the accuracy of the disputed items. \n\n\n\nI first disputed the following accounts on XXXX and the statutory 30-day period expired on XXXX. However, as of today, you have failed to conduct a reasonable investigation, and the inaccurate items remain on my credit report. \nFailure to Provide Results of the Investigation ( FCRA Section 611 ( b ) ) : FCRA Section 611 ( b ) requires that once an investigation is completed, the credit reporting agency must inform the consumer of the results of the investigation. This includes a summary of the investigation and a notification of any updates to the disputed information.\n\nSince the statutory investigation period has passed and I have not received the results, I am left without any resolution or confirmation that the disputed items were reviewed properly. Your failure to provide this information constitutes non-compliance with FCRA Section 611 ( b ).\n\nFailure to Correct or Remove Inaccurate Information ( FCRA Section 607 ( b ) ) : Under FCRA Section 607 ( b ), credit reporting agencies must ensure that the information they report is accurate. If they can not verify disputed information, they must remove or correct it. However, the following inaccurate accounts remain unresolved : Given that the statutory 30-day period for investigating my dispute has already passed, I request the following : A full investigation of the disputed accounts, including verification of the balances and payment histories provided by the furnishers of the information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nRemoval or correction of the inaccurate accounts if no valid verification is provided. \nA written explanation of the investigation results, as required under FCRA Section 611 ( b ).\n\nConfirmation that you have taken the necessary steps to ensure compliance with the FCRA moving forward.\n\nFailure to resolve this issue within 15 business days will result in the filing of complaints with the CFPB, FTC, and the State Attorney Generals Office, as well as potential legal action to seek statutory damages.\n\nI expect a resolution within the 15-business-day period and look forward to your prompt attention to this matter. \nSincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : Date of Birth : XX/XX/year>XXXX XXXX","date_sent_to_company":"2024-11-22T22:16:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95833","tags":null,"has_narrative":true,"complaint_id":"10895377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-22T22:16:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This <em>investigation</em> must include reviewing the information provided by the consumer and contacting the furnishers of the information to verify the accuracy of the disputed items. \n\n\n\nI first disputed the following accounts on XXXX and the <em>statutory</em> 30-day period expired on XXXX. However, as of today, you have <em>failed</em> to conduct a reasonable <em>investigation</em>, and the inaccurate items remain on my credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.596088,"10895377"]},{"_index":"complaint-public-v1","_id":"10895378","_score":16.585207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address your failure to investigate and correct inaccurate information reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I previously disputed certain items on my credit report under FCRA Section 611 ( a ), but despite this, your agency has failed to complete a proper investigation and resolve the discrepancies in the required 30-day period.\n\nAs a result, I am left with inaccurate and incomplete information on my credit report. This letter serves as my formal demand for immediate correction of these inaccuracies. Please be advised that the FCRA mandates that all credit reporting agencies conduct a thorough and timely investigation of disputed information. I request that you take the following actions as soon as possible.\n\nFailure to Comply with FCRA Section 611 ( a ) ( Investigation Requirements ) : Under FCRA Section 611 ( a ), when a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must complete a reasonable investigation within 30 days. This investigation must include reviewing the information provided by the consumer and contacting the furnishers of the information to verify the accuracy of the disputed items. \n\n\n\nI first disputed the following accounts on XXXX and the statutory 30-day period expired on XXXX. However, as of today, you have failed to conduct a reasonable investigation, and the inaccurate items remain on my credit report. \nFailure to Provide Results of the Investigation ( FCRA Section 611 ( b ) ) : FCRA Section 611 ( b ) requires that once an investigation is completed, the credit reporting agency must inform the consumer of the results of the investigation. This includes a summary of the investigation and a notification of any updates to the disputed information.\n\nSince the statutory investigation period has passed and I have not received the results, I am left without any resolution or confirmation that the disputed items were reviewed properly. Your failure to provide this information constitutes non-compliance with FCRA Section 611 ( b ).\n\nFailure to Correct or Remove Inaccurate Information ( FCRA Section 607 ( b ) ) : Under FCRA Section 607 ( b ), credit reporting agencies must ensure that the information they report is accurate. If they can not verify disputed information, they must remove or correct it. However, the following inaccurate accounts remain unresolved : Given that the statutory 30-day period for investigating my dispute has already passed, I request the following : A full investigation of the disputed accounts, including verification of the balances and payment histories provided by the furnishers of the information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nRemoval or correction of the inaccurate accounts if no valid verification is provided. \nA written explanation of the investigation results, as required under FCRA Section 611 ( b ). \n\nConfirmation that you have taken the necessary steps to ensure compliance with the FCRA moving forward. \n\nFailure to resolve this issue within 15 business days will result in the filing of complaints with the CFPB, FTC, and the State Attorney Generals Office, as well as potential legal action to seek statutory damages.\n\nI expect a resolution within the 15-business-day period and look forward to your prompt attention to this matter. \nSincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : Date of Birth : XX/XX/scrub> XXXX XXXX","date_sent_to_company":"2024-11-22T22:16:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95833","tags":null,"has_narrative":true,"complaint_id":"10895378","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-22T22:16:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This <em>investigation</em> must include reviewing the information provided by the consumer and contacting the furnishers of the information to verify the accuracy of the disputed items. \n\n\n\nI first disputed the following accounts on XXXX and the <em>statutory</em> 30-day period expired on XXXX. However, as of today, you have <em>failed</em> to conduct a reasonable <em>investigation</em>, and the inaccurate items remain on my credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.585207,"10895378"]},{"_index":"complaint-public-v1","_id":"18349499","_score":16.537657,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to XXXX  via certified mail regarding several accounts that were being reported inaccurately and incompletely. XXXX tracking confirms that XXXX  received my dispute package. \n\nUnder the Fair Credit Reporting Act ( FCRA 611 ), XXXX  is required to investigate disputes and provide the results within 30 days. They must either verify the information with the furnisher or delete it if it can not be verified. \n\nXXXX  did not respond at all within the 30-day period. \nThey did not provide verification, did not send an investigation notice, and did not update, correct, or remove the disputed information. Because XXXX  failed to complete the investigation within the required timeframe, the accounts are now legally considered unverified. \n\nPer FCRA, any account that can not be verified must be deleted. \n\nI am requesting CFPB assistance to require XXXX  to delete the disputed tradelines immediately due to their failure to respond within the statutory window and failure to verify the accuracy of the information. \n\nI have documentation showing the date XXXX  received my certified dispute and the fact that no response or investigation results were ever provided.","date_sent_to_company":"2025-12-29T20:18:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"297XX","tags":null,"has_narrative":true,"complaint_id":"18349499","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ONLINE Information Services, Inc.","date_received":"2025-12-29T20:18:05.000Z","state":"SC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Because XXXX  <em>failed</em> to <em>complete</em> the <em>investigation</em> <em>within</em> the required timeframe, the accounts are now legally considered unverified. \n\nPer FCRA, any account that can not be verified must be deleted. \n\nI am requesting CFPB assistance to require XXXX  to delete the disputed tradelines immediately due to their failure to respond <em>within</em> the <em>statutory</em> window and failure to verify the accuracy of the information."]},"sort":[16.537657,"18349499"]},{"_index":"complaint-public-v1","_id":"10895376","_score":16.535688,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address your failure to investigate and correct inaccurate information reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I previously disputed certain items on my credit report under FCRA Section 611 ( a ), but despite this, your agency has failed to complete a proper investigation and resolve the discrepancies in the required 30-day period.\n\nAs a result, I am left with inaccurate and incomplete information on my credit report. This letter serves as my formal demand for immediate correction of these inaccuracies. Please be advised that the FCRA mandates that all credit reporting agencies conduct a thorough and timely investigation of disputed information. I request that you take the following actions as soon as possible.\n\nFailure to Comply with FCRA Section 611 ( a ) ( Investigation Requirements ) : Under FCRA Section 611 ( a ), when a consumer disputes the accuracy of any information on their credit report, the credit reporting agency must complete a reasonable investigation within 30 days. This investigation must include reviewing the information provided by the consumer and contacting the furnishers of the information to verify the accuracy of the disputed items. \n\n\n\nI first disputed the following accounts on XXXX and the statutory 30-day period expired on XXXX. However, as of today, you have failed to conduct a reasonable investigation, and the inaccurate items remain on my credit report. \nFailure to Provide Results of the Investigation ( FCRA Section 611 ( b ) ) : FCRA Section 611 ( b ) requires that once an investigation is completed, the credit reporting agency must inform the consumer of the results of the investigation. This includes a summary of the investigation and a notification of any updates to the disputed information.\n\nSince the statutory investigation period has passed and I have not received the results, I am left without any resolution or confirmation that the disputed items were reviewed properly. Your failure to provide this information constitutes non-compliance with FCRA Section 611 ( b ).\n\nFailure to Correct or Remove Inaccurate Information ( FCRA Section 607 ( b ) ) : Under FCRA Section 607 ( b ), credit reporting agencies must ensure that the information they report is accurate. If they can not verify disputed information, they must remove or correct it. However, the following inaccurate accounts remain unresolved : Given that the statutory 30-day period for investigating my dispute has already passed, I request the following : A full investigation of the disputed accounts, including verification of the balances and payment histories provided by the furnishers of the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX \nRemoval or correction of the inaccurate accounts if no valid verification is provided. \nA written explanation of the investigation results, as required under FCRA Section XXXX ( b ). \n\nConfirmation that you have taken the necessary steps to ensure compliance with the FCRA moving forward. \n\nFailure to resolve this issue within 15 business days will result in the filing of complaints with the CFPB, FTC, and the State Attorney Generals Office, as well as potential legal action to seek statutory damages.\n\nI expect a resolution within the 15-business-day period and look forward to your prompt attention to this matter. \nSincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : Date of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-22T22:16:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95833","tags":null,"has_narrative":true,"complaint_id":"10895376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-22T22:16:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This <em>investigation</em> must include reviewing the information provided by the consumer and contacting the furnishers of the information to verify the accuracy of the disputed items. \n\n\n\nI first disputed the following accounts on XXXX and the <em>statutory</em> 30-day period expired on XXXX. However, as of today, you have <em>failed</em> to conduct a reasonable <em>investigation</em>, and the inaccurate items remain on my credit report."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.535688,"10895376"]},{"_index":"complaint-public-v1","_id":"18349498","_score":16.520985,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to XXXX  via certified mail regarding several accounts that were being reported inaccurately and incompletely. XXXX tracking confirms that XXXX  received my dispute package. \n\nUnder the Fair Credit Reporting Act ( FCRA 611 ), XXXX  is required to investigate disputes and provide the results within 30 days. They must either verify the information with the furnisher or delete it if it can not be verified.\n\nXXXX  did not respond at all within the 30-day period.\n\nThey did not provide verification, did not send an investigation notice, and did not update, correct, or remove the disputed information. Because XXXX  failed to complete the investigation within the required timeframe, the accounts are now legally considered unverified.\n\nPer FCRA, any account that can not be verified must be deleted. \n\nI am requesting CFPB assistance to require XXXX  to delete the disputed tradelines immediately due to their failure to respond within the statutory window and failure to verify the accuracy of the information. \n\nI have documentation showing the date XXXX  received my certified dispute and the fact that no response or investigation results were ever provided.","date_sent_to_company":"2025-12-29T20:18:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"297XX","tags":null,"has_narrative":true,"complaint_id":"18349498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-12-29T20:18:05.000Z","state":"SC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Because XXXX  <em>failed</em> to <em>complete</em> the <em>investigation</em> <em>within</em> the required timeframe, the accounts are now legally considered unverified.\n\nPer FCRA, any account that can not be verified must be deleted. \n\nI am requesting CFPB assistance to require XXXX  to delete the disputed tradelines immediately due to their failure to respond <em>within</em> the <em>statutory</em> window and failure to verify the accuracy of the information."]},"sort":[16.520985,"18349498"]},{"_index":"complaint-public-v1","_id":"18358455","_score":16.42374,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Navy Federal Credit Unions failure to comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ).\n\nUnauthorized electronic fund transfers were made from my checking account. I provided timely notice to Navy Federal Credit Union disputing these transactions as unauthorized.\n\nUnder Regulation E, Navy Federal was required to complete its investigation within 10 business days or, if the investigation was not completed within that timeframe, to provisionally credit my account for the full disputed amount while the investigation continued.\n\nMore than 10 business days passed after my notice. Navy Federal Credit Union did not complete the investigation and did not provide the required provisional credi\nt.\n\nAfter the statutory deadline passed, I sent Navy Federal Credit Union a written Regulation E violation notice and demand for immediate provisional credit. That written demand was delivered on XX/XX/XXXX. Despite receiving written notice of the violation, Navy Federal Credit Union still failed to provide provisional credit or otherwise cure the violation.\n\nAs of today, the disputed funds remain withheld. This failure constitutes a violation of the Electronic Fund Transfer Act and Regulation E.\n\nWhat harm did this cause?\n\nUnauthorized funds were removed from my account My account balance was reduced without authorization I incurred financial harm due to the withheld funds Navy Federal Credit Union failed to follow mandatory consumer protections required by law","date_sent_to_company":"2025-12-30T01:16:43.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"77338","tags":"Servicemember","has_narrative":true,"complaint_id":"18358455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-30T01:07:56.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Under Regulation E, Navy Federal was required to <em>complete</em> its <em>investigation</em> <em>within</em> 10 business days or, if the <em>investigation</em> was not <em>completed</em> <em>within</em> that timeframe, to provisionally credit my account for the full disputed amount while the <em>investigation</em> continued.\n\nMore than 10 business days passed after my notice. Navy Federal Credit Union did not <em>complete</em> the <em>investigation</em> and did not provide the required provisional credi\nt."]},"sort":[16.42374,"18358455"]},{"_index":"complaint-public-v1","_id":"17169568","_score":16.406189,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Experian has failed to mark my disputed credit inquiries as under investigation. \n\nOn XX/XX/year>, I sent Experian a certified dispute letter requesting the removal and verification of several unauthorized hard inquiries appearing on my credit report. According to the U.S. Postal Service tracking information, the letter was delivered and signed for on XX/XX/year>. \n\nAs of today, Experian has not updated my credit file to reflect that these inquiries are under dispute, nor have I received confirmation that the investigation has begun. This failure to acknowledge my dispute violates the Fair Credit Reporting Act ( FCRA ) 611 and 623, which require consumer reporting agencies to note an active dispute and complete a reasonable investigation within the statutory timeframe. \n\nI am requesting that Experian : Confirm receipt of my certified dispute letter. \n\nAcknowledge and flag the affected inquiries as under dispute in my credit file. \n\nComplete a formal investigation and provide written verification of each inquirys authorization, or delete them if unverified.","date_sent_to_company":"2025-11-11T17:18:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"17169568","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-11T17:10:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["As of today, Experian has not updated my credit file to reflect that these inquiries are under dispute, nor have I received confirmation that the <em>investigation</em> has begun. This failure to acknowledge my dispute violates the Fair Credit Reporting Act ( FCRA ) 611 and 623, which require consumer reporting agencies to note an active dispute and <em>complete</em> a reasonable <em>investigation</em> <em>within</em> the <em>statutory</em> timeframe. \n\nI am requesting that Experian : Confirm receipt of my certified dispute letter."]},"sort":[16.406189,"17169568"]},{"_index":"complaint-public-v1","_id":"16987106","_score":16.379389,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal complaint against Experian for failure to comply with its legal duties under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian has failed to complete a lawful reinvestigation within the 30-day statutory window after receiving my dispute. Despite submitting my disputes in a timely manner, Experian continued to report inaccurate and derogatory information. This represents a direct and ongoing violation of federal law. \n\nI am demanding immediate removal or verified correction of the accounts listed below and a written statement of compliance. Experians delay and failure to properly investigate constitute willful negligence and harm my credit standing and financial reputation. \n\nAccounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed the three accounts listed above with Experian. More than 30 days have passed since my disputes were received, and Experian has failed to provide a lawful reinvestigation or proof verifying these items accuracy. Instead, the same inaccurate and derogatory accounts remain listed as Collection/Charge-off, In dispute, or Legally paid for less than full balance. \n\nExperians failure to investigate and correct these inaccuracies violates both the letter and intent of the FCRA. The agency has not only failed to comply with 15 U.S.C. 1681i, but also failed to maintain reasonable procedures to ensure maximum possible accuracy as required under 1681e ( b ).\n\nThis unlawful delay and inaccurate reporting have caused tangible harm including credit denials, higher rates, and reputational damage. Experians negligence and refusal to follow statutory timelines can not be ignored.\n\nExperians continued reporting and failure to investigate within the 30-day timeframe are clear violations of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within the required 30 days.\n\n15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.\n\n15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, subject to statutory and actual damages.","date_sent_to_company":"2025-11-03T19:25:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33160","tags":null,"has_narrative":true,"complaint_id":"16987106","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-03T19:22:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Experian has <em>failed</em> to <em>complete</em> a lawful reinvestigation <em>within</em> the 30-day <em>statutory</em> window after receiving my dispute. Despite submitting my disputes in a timely manner, Experian continued to report inaccurate and derogatory information. This represents a direct and ongoing violation of federal law. \n\nI am demanding immediate removal or verified correction of the accounts listed below and a written statement of compliance."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.379389,"16987106"]},{"_index":"complaint-public-v1","_id":"16235528","_score":16.376358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Category : Credit reporting Problem with statement of dispute or investigation Company : Experian Information Solutions , Inc . \n\nWhat happened : I submitted a written dispute to Experian on XX/XX/year> via XXXX XXXX Mail ( tracking and delivery receipt attached ). Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), Experian is required to investigate my dispute and provide written results within 30 days. \n\nIt has now been over 30 days, and Experian has failed to provide me with the required written investigation results. Instead, I received a stall email in XX/XX/year> stating they were unable to honor my request, without completing the investigation or providing results. \n\nThis violates the following FCRA requirements : 1. Failure to Investigate ( 611 ( a ) ( 1 ) ( A ) ) No investigation results were provided within the statutory timeframe.\n\n2. Failure to Provide Notice of Frivolous Dispute ( 611 ( a ) ( 3 ) ) If Experian believed my dispute was frivolous, they were required to notify me within 5 business days, not weeks later.\n\n3. Failure to Provide Results ( 611 ( a ) ( 6 ) ) Experian is required to provide me with written results of the investigation. \n\n\n\nSupporting evidence : XXXX XXXX Mail Receipt ( XX/XX/year> ) XXXX Delivery Confirmation showing Experian received my dispute Copy of Experians XX/XX/year> email refusing to process my dispute Requested Resolution : I request that the CFPB require Experian to : Complete the investigation of my dispute ( s ) immediately ; Provide me with the full results and method of verification for each disputed account ; Remove or correct any accounts that can not be verified within the statutory period. \n\n\nAdditionally, I request the CFPB investigate Experians repeated use of stall tactics and failure to comply with the FCRA. \n\n\n-- -","date_sent_to_company":"2025-09-30T02:04:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29407","tags":null,"has_narrative":true,"complaint_id":"16235528","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-30T01:52:37.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["It has now been over 30 days, and Experian has <em>failed</em> to provide me with the required written <em>investigation</em> results. Instead, I received a stall email in XX/XX/year> stating they were unable to honor my request, without <em>completing</em> the <em>investigation</em> or providing results. \n\nThis violates the following FCRA requirements : 1. Failure to <em>Investigate</em> ( 611 ( a ) ( 1 ) ( A ) ) No <em>investigation</em> results were provided <em>within</em> the <em>statutory</em> timeframe.\n\n2."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.376358,"16235528"]},{"_index":"complaint-public-v1","_id":"15168810","_score":16.364841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Capital One for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that a furnisher of information complete a dispute investigation within 30 days and update or correct inaccurate information with the credit reporting agencies. \n\nI disputed inaccurate late payment information on my Capital One account with the credit bureaus, and Capital One was required to respond within the statutory XXXX investigation period. The XXXX deadline passed, yet Capital One has failed to make the necessary corrections to my credit file or provide an adequate written explanation of their findings. \n\nTheir failure to meet the FCRA investigation deadline and their continued reporting of inaccurate information is causing ongoing harm to my credit profile. I am requesting that the CFPB take immediate action to require Capital One to remove the disputed late payments from my credit reports and ensure compliance with the FCRA.","date_sent_to_company":"2025-08-08T19:46:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15168810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-08-08T19:02:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I am filing a complaint against Capital One for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that a furnisher of information <em>complete</em> a dispute <em>investigation</em> <em>within</em> 30 days and update or correct inaccurate information with the credit reporting agencies. \n\nI disputed inaccurate late payment information on my Capital One account with the credit bureaus, and Capital One was required to respond <em>within</em> the <em>statutory</em> XXXX <em>investigation</em> period."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.364841,"15168810"]},{"_index":"complaint-public-v1","_id":"18349494","_score":16.242483,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a formal dispute to TransUnion via certified mail regarding several accounts that were being reported inaccurately and incompletely. USPS tracking confirms that TransUnion received my dispute package. \n\nUnder the Fair Credit Reporting Act ( FCRA 611 ), TransUnion is required to investigate disputes and provide the results within 30 days. They must either verify the information with the furnisher or delete it if it can not be verified. \n\nTransUnion did not respond at all within the 30-day period. \nThey did not provide verification, did not send an investigation notice, and did not update, correct, or remove the disputed information. Because TransUnion failed to complete the investigation within the required timeframe, the accounts are now legally considered unverified. \n\nPer FCRA, any account that can not be verified must be deleted. \n\nI am requesting CFPB assistance to require TransUnion to delete the disputed tradelines immediately due to their failure to respond within the statutory window and failure to verify the accuracy of the information. \n\nI have documentation showing the date TransUnion received my certified dispute and the fact that no response or investigation results were ever provided.","date_sent_to_company":"2025-12-29T20:18:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"297XX","tags":null,"has_narrative":true,"complaint_id":"18349494","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-29T20:00:58.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Because TransUnion <em>failed</em> to <em>complete</em> the <em>investigation</em> <em>within</em> the required timeframe, the accounts are now legally considered unverified. \n\nPer FCRA, any account that can not be verified must be deleted. \n\nI am requesting CFPB assistance to require TransUnion to delete the disputed tradelines immediately due to their failure to respond <em>within</em> the <em>statutory</em> window and failure to verify the accuracy of the information."]},"sort":[16.242483,"18349494"]},{"_index":"complaint-public-v1","_id":"17454184","_score":16.22116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted a written dispute to the credit reporting agency requesting an investigation into several derogatory items on my report. Under the Fair Credit Reporting Act ( FCRA 611 ), the bureau is required to conduct a reasonable investigation and provide results within 30 days. The bureau failed to provide any response within the 30-day period. Because they did not respond or provide results of an investigation within the allowed timeframe, I sent a second letter requesting deletion, per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), which requires deletion of any information that can not be verified within the statutory period. They still have not deleted the items or provided any confirmation that an investigation occurred. Their failure to investigate within the required timeframe constitutes an FCRA violation. I am requesting immediate deletion of the following unverified items\n: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please require the credit reporting agency to delete these items due to failure to complete the investigation within 30 days as mandated by FCRA 611.","date_sent_to_company":"2025-11-23T21:53:39.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77357","tags":null,"has_narrative":true,"complaint_id":"17454184","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-23T20:53:15.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I submitted a written dispute to the credit reporting agency requesting an <em>investigation</em> into several derogatory items on my report. Under the Fair Credit Reporting Act ( FCRA 611 ), the bureau is required to conduct a reasonable <em>investigation</em> and provide results <em>within</em> 30 days. The bureau <em>failed</em> to provide any response <em>within</em> the 30-day period."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[16.22116,"17454184"]},{"_index":"complaint-public-v1","_id":"16260541","_score":16.143566,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Complaint Category : Credit reporting Problem with statement of dispute or investigation Company : Equifax Information Services LLC What happened : I submitted a written dispute to Equifax via XXXX Certified Mail ( tracking and delivery receipt attached ). Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), Equifax is required to investigate my dispute and provide written results within 30 days. \n\nIt has now been over 30 days, and Equifax has failed to provide me with the required written investigation results. This is a direct violation of the FCRA. \n\nThis violates the following FCRA requirements : XXXX. Failure to Investigate ( 611 ( a ) ( 1 ) ( A ) ) No investigation results were provided within the statutory timeframe. \n\n\nXXXX. Failure to Provide Notice of Frivolous Dispute ( 611 ( a ) ( XXXX ) ) If Equifax believed my dispute was frivolous, they were required to notify me within XXXX business days. \n\n\nXXXX. Failure to Provide Results ( 611 ( a ) ( 6 ) ) Equifax is required to provide me with written results of the investigation. \n\n\n\nSupporting evidence : XXXX Certified Mail Receipt ( with tracking number and delivery date ) XXXX Delivery Confirmation showing Equifax received my dispute Lack of timely investigation results Requested Resolution : I request that the CFPB require Equifax to : Complete the investigation of my dispute ( XXXX ) immediately ; Provide me with the full results and method of verification for each disputed account ; Remove or correct any accounts that can not be verified within the statutory period. \n\n\nAdditionally, I request the CFPB investigate Equifaxs repeated failure to comply with the FCRA.","date_sent_to_company":"2025-09-30T02:28:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29407","tags":null,"has_narrative":true,"complaint_id":"16260541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-30T02:21:12.000Z","state":"SC","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["It has now been over 30 days, and Equifax has <em>failed</em> to provide me with the required written <em>investigation</em> results. This is a direct violation of the FCRA. \n\nThis violates the following FCRA requirements : XXXX. Failure to <em>Investigate</em> ( 611 ( a ) ( 1 ) ( A ) ) No <em>investigation</em> results were provided <em>within</em> the <em>statutory</em> timeframe. \n\n\nXXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"]},"sort":[16.143566,"16260541"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3087,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3087}]}},"product":{"doc_count":3087,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2598,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2567},{"key":"Other personal consumer report","doc_count":31}]}},{"key":"Debt collection","doc_count":284,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do 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