{"took":865,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":66,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9087522","_score":13.963341,"_source":{"product":"Mortgage","complaint_what_happened":"Our mortgage was sold shortly after we closed on it in XXXX of XXXX. It was sold to XXXX, which is serviced by Volunteer Mortgage. We have had ongoing issues with them, beginning with them purchasing forced placed insurance using our escrow account, which made it short of funds. We did not need them to force place insurance. We had insurance that was up to date and had not expired ; and when it did expire, it was renewable at about XXXX of what the forced placed insurance premium was. \n\nIn the meantime, they kept sending notices indicating the escrow account was short of funds by over {$1300.00}. We didn't understand what was happening and why, at first. We began making additional payments every month to make up the difference, which created a nightmare with some of our other creditors because we were on a tight budget, due to the changed economy. \n\nWhen my wife discovered what had happened -- the mortgage servicer failed to realize they had done anything wrong- it took a XXXX XXXXXXXX to try to explain it to them. In the meantime, they reported our delinquent payments to the credit agencies and, they still fail to understand that they aren't even supposed to buy forced placed insurance, because we have an escrow account. If for some reason, there isn't enough money to cover the premium, they are supposed to cover it and bill us for the deficiency. Unless our insurance was cancelled for something other than non payment, they can't do that. They still fail to realize it. \n\nIn the meantime, due to extra payments going to them, our credit is back in the XXXX. It was horrible from about XXXX, due to the untimely death of our XXXX XXXX XXXX daughter in a XXXX XXXX  that took a toll on us, the judicial portion took forever and we just didn't care. We never thought wed be able to buy a home again and now that we have, we are regretting it due, in large part, to the servicing. \n\nWe have come to the conclusion that they send us convoluted information on purpose so that we don't understand where our money is going. They give us advice and then all of a sudden we are in a loan modification situation. Our trust has gone out the window. We have owned several other homes and have never had this issue with a servicer. \n\nThey charged us {$200.00} for an attorney fee. When I asked what that was for, back in XXXX, they told us it was \" in case you want to do a loan modification. \" We were also told at that time that we didn't qualify for a loan modification. \n\nWe have also been continually charged {$20.00} per month, evidently for some guy to come by to make sure we live here. Really? Where else would we live? Junk fee? \n\nAlso, the statements show all money going in and out of escrow in ways we do not understand. What in the world is \" walk in cash ''? I know we aren't walking it in and if someone else is... who is it and why? \n\nThey sent us an annual escrow accounting with anticipated, actual and difference and it made zero sense. Nothing added up correctly. Its like they have someone who knows nothing about mortgages or accounting and just willy nilly plugging in numbers. And why is all money running through escrow? That is for insurance and taxes only -- there should be separate accounts for held payments ( if it is a partial payment or whatever ) Our dog could do a more clear accounting of our mortgage. It is scary that they are still doing the same things and we still do not understand nor trust them.","date_sent_to_company":"2024-05-23T04:36:33.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"378XX","tags":"Older American","has_narrative":true,"complaint_id":"9087522","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Volunteer Mortgage Loan Servicing","date_received":"2024-05-23T03:38:56.000Z","state":"TN","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["In the meantime, they reported our delinquent payments to the credit agencies and, they still <em>fail</em> to <em>understand</em> that they <em>aren</em>'t <em>even</em> supposed to buy forced placed insurance, because we have an escrow account. If for some reason, there isn't enough money to cover the premium, they are supposed to cover it and bill us for the deficiency. Unless our insurance was cancelled for something other than non payment, they can't do that. They still <em>fail</em> to realize it."]},"sort":[13.963341,"9087522"]},{"_index":"complaint-public-v1","_id":"6520042","_score":12.890707,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. They once again erroneously froze my joint account and took mine and my wife 's funds out, all of her funds due to some alleged garnishment in Virginia. \n\nEven if the garnishment was legal, in Florida, the most theyre allowed to take is up to 25 percent of the salary, but the truth is, she is also the sole provider for the child so they cant take anything!\n\nWhat gives them the right to take all my wifes money and my money out of our joint account????? Theyre not allowed to take more than 25 percent, and since she's the sole provider for the child they aren't allowed to take ANYTHING under the Florida law.\n\nThe same thing happened last year and TD Bank apologized and released the funds. Apparently theyre doing the same exact thing again this year because they failed to train their employees on this issue! They froze my wife 's funds, took her checks. My wife 's accounts were suddenly put into XXXX, including my joint account that I have with her and its frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! What is this based on? And what gives them the right to freeze our joint accoint and hit us with {$150.00} in fees? And what makes this even worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money! \n\nI don't know or understand why TD Bank is doing this when they even admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment. TD Bank once again refuses to put any of this in writing, they dont know what theyre doing and cant answer simple questions, which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The XXXX department needs to be trained better and TD Bank knows better.","date_sent_to_company":"2023-02-02T14:42:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33426","tags":null,"has_narrative":true,"complaint_id":"6520042","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-02-02T14:15:13.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["And what makes this <em>even</em> worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money! \n\nI don't know or <em>understand</em> why TD Bank is doing this when they <em>even</em> admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment."]},"sort":[12.890707,"6520042"]},{"_index":"complaint-public-v1","_id":"3563300","_score":10.979994,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I consented to a background check through First Advantage Background Services Corp. for potential employment by request of XXXX XXXX Company management. I received two emails at approximately XX/XX/2020 XXXX XXXX. from First Advantage. The first was a copy of my criminal report and findings and the second was to advise me there's a strong possibility that I would be denied for employment. After further scrutiny of my report I realized I had answered no to ever committing a felony offense which was correct. What I failed to understand was they were also inquiring about XXXX  as well. Once I acknowledged the discrepancy I attempted to make the correction but was prompted to message First Advantage and inform them of the mistake in order to make corrections. At the end of their email I was directed to wait for XXXX 's management to receive the report and reach out to me. Almost two weeks passed before I contacted XXXX 's to inquire as to whether I got the job. Never got a call back. I then decide to check my email again and there was another email from First Advantage on XX/XX/2020 stating that I was denied the job by XXXX 's due to my background report. Also specifying that First Advantage wasn't responsible in any way nor did they affect or make the decision to deny me employment and has no information regarding criteria for my denial. The next day I ventured into XXXX 's to speak with HR. They ( XXXX XXXX informed me that she has no idea why I was denied and that they had no part in the decision and aren't sure why I was denied by First Advantage. I explained that I'm concerned that the denial stems from the incorrect answer I submitted and that it was a honest mishap and it wasn't deliberate and proceeded to elaborate on the XXXX XXXX that appear in the report. XXXX stated that she doesn't understand how that would result in being denied employment based on the fact they're open to hiring individuals with a past XXXX  and that she will attempt to contact First Advantage not only to figure things out but also if I'm able to fill out another report with said corrections. It states in the Summary Of Rights that I have the right to dispute an inaccurate report and request an Individual Assessment that includes various documents to be submitted providing proof of ( Rehabilitation & Good Conduct letter, a written letter from a past employer with who 'm I worked for between when I was charged til present day, a certificate for completion of a drug/alcohol program, and a written letter describing how and why I was charged in that moment and convince the company as to why they should hire me. My complaint is I wasn't able to make an immediate correction before the report was sent out as claimed by First Advantage and also the fact that they specified they absolutely aren't involved in the hiring process whatsoever other than gathering the report and delivering it to XXXX 's HR. Yet I received a cautionary email from First Advantage predicting I would be denied and then over a week later another email informing me I was passed over for employment. XXXX 's managements 's position on the subject clearly states they had absolutely no hand in the denial and have no clue why First Advantage denied me and that in their opinion I should've been hired. I'm obviously not receiving accurate information from First Advantage nor was I even contacted to this day as to whether I was hired or denied or offered an explanation identifying what's being held against me. Here is just a few sentences from one of the emails I received from First Advantage quoting their position, \" First Advantage Background Services Corp will not participate in any eligibility decision and will be unable to provide you with specific reasons as to why XXXX may choose to take an adverse action. ''","date_sent_to_company":"2020-03-11T19:19:54.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"15601","tags":null,"has_narrative":true,"complaint_id":"3563300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST ADVANTAGE CORPORATION","date_received":"2020-03-11T17:36:54.000Z","state":"PA","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["What I <em>failed</em> to <em>understand</em> was they were also inquiring about XXXX  as well. Once I acknowledged the discrepancy I attempted to make the correction but was prompted to message First Advantage and inform them of the mistake in order to make corrections. At the end of their email I was directed to wait for XXXX 's management to receive the report and reach out to me. Almost two weeks passed before I contacted XXXX 's to inquire as to whether I got the job. Never got a call back."]},"sort":[10.979994,"3563300"]},{"_index":"complaint-public-v1","_id":"7391212","_score":10.932455,"_source":{"product":"Mortgage","complaint_what_happened":"Wells Fargo uses deceptive lending practices to promote mortgage details that aren't good faith estimates. Wells Fargo uses harmful policies for its new construction closings to trick its prospective home buyers that they are acquiring a mortgage that is more attractive than it actually is. \n\nWells Fargo states it's unable to charge customers higher property tax amounts unless they receive new documentation from the taxing authority. Yet, they were able to withhold more in escrow without a new, higher bill. This policy is clearly not federal regulation as I've closed in the past with a different lender, in the same residential community, and I was allowed to withhold more. Wells Fargo is unable to share this policy upon request and this policy does nothing but harm and hide the real costs to acquire a new home construction. Ultimately Wells Fargo fails to comprehend that any repayment of prepaid taxes made by the seller/builder is always on land alone and the bottom line is that Wells Fargo collects {$0.00} towards the home property taxes at closing for the current tax year. This only creates problems and financial hardship down the road. \n\nWells Fargo also fails to reach out to the taxing authority to see what's going to happen to the property 's tax status for that year or the next. In my situation, Wells Fargo failed to find out crucial information like a special taxing district. If a customer pays 100 % closing costs, then Wells Fargo should do 100 % of the job and contact the taxing authority, especially in new construction closings. \n\nWells Fargo treats new construction closings like resales and despite knowing the home sale price, appraisal value, and signed documentation for a higher monthly pulled escrow amount all prior to closing, Wells Fargo still only collected to repay on land alone. On top of that a few months after closing, a supplemental bill arrived with a higher assessed value than just land and still did nothing. Despite all of this and battling Wells Fargo for 7 months, Wells Fargo fails to comprehend how their institutional policies deceive customers and put them in difficult financial spots. \n\nWells Fargo 's Executive Office lacks the competency to understand this and hides behind policies that they can't prove. They are alone on this island because even the title company raised my concern. Wells Fargo says we could have asked for a higher amount but that's false. On the morning of closing on the phone with Wells Fargo we respectfully asked for the higher cash to close but that request was denied because we were assured we were paying enough. Wells Fargo was wrong. When you ask Wells Fargo difficult questions like, how much money did I pay for property taxes in the current year on my home ( not land ) or did Wells Fargo reach out to the taxing authority to provide a best faith estimate before closing, they never answer and say it was hard to hear me over the phone then the conversation ceased. I hope my message is loud and clear now.","date_sent_to_company":"2023-08-12T23:47:10.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"217XX","tags":null,"has_narrative":true,"complaint_id":"7391212","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-08-12T22:26:51.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Despite all of this and battling Wells Fargo for 7 months, Wells Fargo <em>fails</em> to comprehend how their institutional policies deceive customers and put them in difficult financial spots. \n\nWells Fargo 's Executive Office lacks the competency to <em>understand</em> this and hides behind policies that they can't prove. They are alone on this island because <em>even</em> the title company raised my concern. Wells Fargo says we could have asked for a higher amount but that's false."]},"sort":[10.932455,"7391212"]},{"_index":"complaint-public-v1","_id":"5922927","_score":9.8115425,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXXTruist . My loan payment was to go 30 days past due XX/XX/2022 after a sizable commission was delayed a month. After securing a personal loan from a mentor on the XXXX, I went to pay it online on the XXXX after the check cleared, and the system would not let me set the payment until the XXXX, after it's 30 days past due. So I attempt to call them after my day ended on the XXXX but their offices had closed an hour earlier. So, I went ahead and submitted the payment for the XXXX, the next day offered. Then today, Saturday the XXXX, I called, hoping they could take the payment over the phone and set it paid for that day. I was told internal collections was already handling the account so they can't take a payment over the phone (! ), I'd have to talk to them and they aren't available, which is of course Monday, the XXXX. Day XXXX (! ). So it puts someone who is already struggling a little and tried to do the right thing, making sure a deposit clears not sending a cold check online while still making a payment before it goes 30 days late into a position where they claim they legally must report it 30 days late. When they wouldn't let me pay it on the day I tried to pay it! How is that legal?! It's not like I'm trying to pay it on a weekend. I tried to pay it on a Thursday morning! And they don't have a way to pay by debit so it goes through the same day. If I go online or call to make a payment, that's the day I paid it and the day it should be reported, unless the payment fails to clear. My mortgage company counts it paid the day you pay it not the day it clears. My phone company, my utility, etc. I'm likely now set to have a 30 day late payment reported when I attempted to set the payment 3 days before the last day and then actually set the payment 2 days before because their system takes 2 days not to process a payment but to even SEND it. This needs fixed! I am just recovering from a credit standpoint from the same thing with the same company because I was told falsely that it was reported paid they day you set up the payment, not the day they process it. I understand the ways this system could be gamed, but if a consumer attempts to make a payment on a given day and a company will not allow them to do so, it should absolutely not be able to be reported to the credit bureaus.","date_sent_to_company":"2022-09-16T16:33:07.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"402XX","tags":null,"has_narrative":true,"complaint_id":"5922927","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2022-08-27T18:41:58.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["If I go online or call to make a payment, that's the day I paid it and the day it should be reported, unless the payment <em>fails</em> to clear. My mortgage company counts it paid the day you pay it not the day it clears. My phone company, my utility, etc. I'm likely now set to have a 30 day late payment reported when I attempted to set the payment 3 days before the last day and then actually set the payment 2 days before because their system takes 2 days not to process a payment but to <em>even</em> SEND it."]},"sort":[9.8115425,"5922927"]},{"_index":"complaint-public-v1","_id":"19919151","_score":9.606251,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX, a transaction for {$100.00} from XXXX XXXX posted to my Citi credit card. The transaction appeared on my XXXX statement for the period ending XX/XX/XXXX. After attempts to work with the vendor failed, I disputed the charge with Citi on XX/XX/XXXX through their website, because the product I received was not the grade represented at the time of sale. On XX/XX/XXXX, as instructed by Citi when the dispute was opened, I sent supporting documentation by fax and mailed a package with fullcolor copies, expected to be postmarked XX/XX/XXXX. \n\nOn XX/XX/XXXX, I received an email from Citi stating they had closed the dispute. The letter posted in the Disputes Center cited an incorrect reason, did not reference my actual complaint of misrepresented merchandise, and provided no indication that the documentation I submitted had been reviewed. \n\nOn XX/XX/XXXX, I faxed a letter of appeal to the dispute department requesting a supervisorlevel review under Regulation Z. Citi acknowledged receipt by email on XX/XX/XXXX, only by thanking me for providing additional information, without referencing my request for a supervisorlevel appeal. \n\nOn XX/XX/XXXX, I received XXXX emails from Citi stating that the dispute had been closed and resolved. The letter posted in the Disputes Center stated, Due to the length of time since this transaction was billed to you, we aren't able to investigate this dispute. This was despite the fact that Citi had already initiated an investigation, that written notices were submitted within the 60day timeframe under 12 CFR 1026.13 ( b ), and that my dispute concerns misrepresentation, which qualifies under 12 CFR 1026.12 ( c ). The letter did not reference my appeal, the reason for the dispute, or my documentation. It advised me to contact the merchant, even though my documentation showed that I had already exhausted all attempts to resolve the matter directly with the vendor. This indicates that the evidence I submitted was not reviewed. \n\nBoth denial letters instructed me to call the number on the back of your card if I needed further assistance. On XX/XX/XXXX, I called that number, told the IVR I wanted a representative, and waited on hold for approximately XXXX minutes with fluctuating estimated wait times. When a representative answered, I requested escalation above the dispute department and asked to reach the Executive Correspondence team or Executive Response Unit. The representative did not understand these terms, even after I explained that this was an escalation beyond the dispute department. \n\nThe representative attempted to transfer me, but the transfer routed me to the automated dispute department IVR instead of an escalation team. No fax number, email address, mailing address, or other method to submit an appeal was provided. Because the representative could not identify the correct department or provide any escalation channel, I was unable to submit a written request for escalation. \n\nCiti has twice closed my dispute without conducting a proper review, and I have no way to submit a further escalation because Citi has not provided any contact information or escalation channel. I am requesting assistance because Citi has not provided a reasonable method for me to exercise my rights under Regulation Z. \n\nThe dispute case ID is included in the attached appeal letter and should be sufficient for Citi to locate my account.","date_sent_to_company":"2026-03-03T05:46:46.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"34471","tags":null,"has_narrative":true,"complaint_id":"19919151","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-03-03T05:01:12.000Z","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 card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["The representative did not <em>understand</em> these terms, <em>even</em> after I explained that this was an escalation beyond the dispute department. \n\nThe representative attempted to transfer me, but the transfer routed me to the automated dispute department IVR instead of an escalation team. No fax number, email address, mailing address, or other method to submit an appeal was provided."]},"sort":[9.606251,"19919151"]},{"_index":"complaint-public-v1","_id":"12499833","_score":9.606251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus aren't doing proper investigation nor sending proof or documentation as to how they came to this conclusion. I've never had a XXXX XXXX XXXX  account. These credit have damaged my credit score over XXXX points. I've sent proof there was a data breach and also an FTC report as to provide there was fraudulently compiled and yet there is a response in less than XXXX weeks. How is that possible. I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to me. This is the proof I will need to sue them in court and win. I'm asking for proof of validation of how they came to their conclusion and not just an updated credit report as thats not proof. Please enforce the FCRA rules and hold them responsible. I want proof of investigation an signed contract. E-Oscar isn't a proper investigation.A","date_sent_to_company":"2025-03-15T15:44:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"62002","tags":null,"has_narrative":true,"complaint_id":"12499833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-15T15:43:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because while I <em>understand</em> that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me <em>even</em> though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining."]},"sort":[9.606251,"12499833"]},{"_index":"complaint-public-v1","_id":"12500941","_score":9.584407,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus aren't doing proper investigation nor sending proof or documentation as to how they came to this conclusion. I've never had a XXXX XXXX XXXX  account. These credit have damaged my credit score over XXXX points. I've sent proof there was a data breach and also an FTC report as to provide there was fraudulently compiled and yet there is a response in less than XXXX weeks. How is that possible. I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to me. This is the proof I will need to sue them in court and win. I'm asking for proof of validation of how they came to their conclusion and not just an updated credit report as thats not proof. Please enforce the FCRA rules and hold them responsible. I want proof of investigation an signed contract. E-Oscar isn't a proper investigation.A","date_sent_to_company":"2025-03-15T15:44:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"62002","tags":null,"has_narrative":true,"complaint_id":"12500941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-15T15:27:00.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because while I <em>understand</em> that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me <em>even</em> though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining."]},"sort":[9.584407,"12500941"]},{"_index":"complaint-public-v1","_id":"12495385","_score":9.578629,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The credit bureaus aren't doing proper investigation nor sending proof or documentation as to how they came to this conclusion. I've never had a XXXX XXXX XXXX  account. These credit have damaged my credit score over XXXX points. I've sent proof there was a data breach and also an FTC report as to provide there was fraudulently compiled and yet there is a response in less than XXXX weeks. How is that possible. I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to me. This is the proof I will need to sue them in court and win. I'm asking for proof of validation of how they came to their conclusion and not just an updated credit report as thats not proof. Please enforce the FCRA rules and hold them responsible. I want proof of investigation an signed contract. E-Oscar isn't a proper investigation.A","date_sent_to_company":"2025-03-15T15:44:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"62002","tags":null,"has_narrative":true,"complaint_id":"12495385","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-15T15:43:40.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Because while I <em>understand</em> that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me <em>even</em> though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining."]},"sort":[9.578629,"12495385"]},{"_index":"complaint-public-v1","_id":"16664600","_score":9.378269,"_source":{"product":"Credit card","complaint_what_happened":"XX/XX/year> unable to pay car dealership large payment as pre-arranged with American Express prior to wiring XXXX XXXX weeks ago and XXXX XXXX weeks ago. American Express said I could call in, or my signer, to arrange any large payment, my intention was to purchase a car or truck, and American Express said they would authorize the payment provided it was within the credited, i.e. surplus money in the American Express Bank ; however for the large transaction none of my authorized credit would be allowed. This was fine. It turned out that some dealerships care and some don't about using the card, even though it wasn't credit. Ultimately, I was only trying to use XXXX, and called in with my authorized user to make the transaction. Instead of the customer service rep doing the transaction as agreed, and seemed not to even know his own daily charge limit rules, he said the authorize user card couldn't be used buy my card could be. Understand, XXXX is my daily limit as I understand, as American Express had just done this same kind of thing to me when I tried to charge about XXXX to pay for 6 months of car insurance with about XXXX in credit available. The charge was denied and I called in to find out Amex had put a block on my spending limit without telling me for large purchases... I asked many times and was refused to be told what Amex considered a large purchase ... and Amex said because I had broken their rules my paid, not late, etc. account had been reduced to XXXX, after much going back and forth with the particular department who handles these issues, the woman finally admitted there was a way to fix it. After putting me through the ringer, verifying all my information like I was a new applicant, I was finally told I could reinstate the XXXX limit by sending in statements or paying XXXX. I had already paid XXXX, so the woman finally admitted and processed putting the account back. I was told they didnt have to tell me they put limits or anything they wanted to change on my account. I dudnt have the right to know about the changes and I could be punished, have my account cutoff, credit limit lowered, card cancelled, whatever they wanted without ever telling me the new rules. I thought this would be the end of this after verifying and considering the substantial overage I'd paid in, plus it was preagreed and notes were put in the account. I was told while my limit was XXXX reduced that my daily spending limit was the same. Understand, previous use of XXXX American Express card had started with XXXX limit and did not have a daily limit but was limited by my available credit. I used the card to get my horse admitted to a hospital but the hospital want XXXX upfront. XXXX. I paid the balance and made XXXX payment, then paid XXXX, and made another payment. I made another XXXX payment to finish and that charge was denied. OK. But without any information, I told you what the card did. And the excuse and total lack of my understanding of my right to know how my account works. So, I was told at that time, that my account would be reinstated to XXXX but I'd have to wait 30 days. Or they might have XXXX up to 30 days, because I noticed my XXXX was back. I was told when my XXXX came back I could use all that was available, but they were putting a daily spending cap of XXXX, not what I had available, as evidence with prior purchasing. So, with this in mind, and since I had gone to XXXX 's earlier before finding out a very good deal was available, I knew I didn't have the full XXXX. Plus it was a very large purchase so I and my authorize user called in to have the payment put through, as I believed it would go over the XXXX threshold and because we had prearranged, before sending in the wire transfers, for Amex to help authorize the large purchases intended by the excess funds. This did not happen, Amex shutdown and lockout the cards, and access to my XXXX in surplus funds in their Bank XXXX The woman refused to tell me why this was happening again. I am completely harassed by American Express who is holding XXXX and threatening to cancel me if I don't go through theur complete financial verification process... again. Last time they said pay money or give bank statements. Now, they have XXXX of my money and insisted I go through this process, requiring bank statements. When it got there, the dealership said so, not waiting, no American Express, and I had to come up with additional funds which is ridiculous when I prearranged with American Express to have the funds to purchase a vehicle wired and agreed to be facilitated and that money was already in American Express control. The call got to the wanting bank statements, still no justification for this harassment, or options like before. One would think being overpaid by so much money for the expressed purpose of using it, that American Express could keep theur word instead of threatening to close my account entirely! They are even charging overdraft or failed payment fees for payments that aren't reissued","date_sent_to_company":"2025-10-17T11:46:35.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"786XX","tags":"Older American","has_narrative":true,"complaint_id":"16664600","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-10-17T10:53:04.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["They are <em>even</em> charging overdraft or <em>failed</em> payment fees for payments that <em>aren</em>'t reissued"]},"sort":[9.378269,"16664600"]},{"_index":"complaint-public-v1","_id":"6466421","_score":9.198267,"_source":{"product":"Student loan","complaint_what_happened":"I am a public servant who qualifies for the Public Student Loan Forgiveness program. I consolidated all of my federal student loans into one loan after I finished graduate school back in XXXX. Under the limited time PSLF program I applied for forgiveness directly to my lender, MOHELA. MOHELA 's website shows that they processed my paperwork on XXXX. \n\nOn XXXX I called MOHELA because I had not heard anything back from MOHELA on my account status. The customer service agent said that my loan forgiveness, although eligible for forgiveness was denied because I never consolidated my federal student loans. There are two issues here : 1. ) I consolidated my loans in XXXX and MOHELA 's website shows this. I have included a screenshot of my consolidated loans on MOHELA 's website. \n2. ) I never received email notification on MOHELA website portal communication about forgiveness denial, even though I am signed up to receive all communication electronically. \n\nThe customer service agent went on to review my file ; she stated she did see my eligible employment paperwork in the MOHELA system and my loans have been consolidated since XXXX. She said a computer reviewed my documents and improperly denied my forgiveness ; therefore, she was going to resubmit my documents that same day ( XXXX ) for reprocessing by a human and it would take 60-90 days. I was able to confirm in my MOHELA account she did resubmit my documents for processing. \n\nThat same day, I filed a complaint with MOHELA 's ombudsman by certified mail. I never received communication back from the MOHELA ombudsman about the failed electronic communication delivery or the forgiveness denial. I have attached a screenshot of the letter with the USPS postage on it.\n\nWhile I waited for a human to properly review my forgiveness application I received two updates in my MOHELA account. The first was on XXXX that stated my account reflects I have made XXXX PSLF eligible payments of that 15 are qualifying payments; leaving me with XXXX payments left to make. My paperwork submitted shows that I've made more than XXXX eligible payments, yet MOHELA has failed to align the payments with my employment verification showing those payments were made during eligible public service employment. I have uploaded a screenshot of this MOHELA communication. \n\nThe second communication was received on XXXX that stated my account now reflects I have made XXXX PSLF eligible payments of that XXXX are qualifying payments; leaving me with XXXX payments left to make. My payment history shows that my eligible payments made ( XXXX ) far exceed the XXXX needed for forgiveness but they are still failing to properly count all of the qualifying payments and align them with my employment verification documentation dating back to XXXX. I have added a screenshot of this MOHELA communication. \n\nI can produce all of the public service employment verification documents I've submitted to MOHELA, but the site says not to include personal information. MOHELA obviously has it because they've recognized it in my online account as processed on XXXX ; it has also been discussed by phone with MOHELA multiple times, so I don't understand why they aren't utilizing it. \n\nI have followed all paperwork processes and met all deadlines, yet MOHELA fails to properly process my eligible payments and eligible public service employment documents. I am in my seventh month on this journey and I need your help.","date_sent_to_company":"2023-01-21T15:58:36.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"6466421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2023-01-21T14:47:49.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["MOHELA obviously has it because they've recognized it in my online account as processed on XXXX ; it has also been discussed by phone with MOHELA multiple times, so I don't <em>understand</em> why they <em>aren</em>'t utilizing it. \n\nI have followed all paperwork processes and met all deadlines, yet MOHELA <em>fails</em> to properly process my eligible payments and eligible public service employment documents. I am in my seventh month on this journey and I need your help."]},"sort":[9.198267,"6466421"]},{"_index":"complaint-public-v1","_id":"10802295","_score":8.741671,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Re : Acima Continued from Case Number : XXXX Account Name : ACIMA DIGITAL FKA SIMPLE Account Number : XXXX Balance : - Original Balance : {$1500.00} Date Opened : XX/XX/XXXX Dear CFPB Acima continues to violate Regulation V, continues to provide inaccurate and totally misleading information. Acima does not establish reasonable policies or procedures regarding the disputes that I have sent, they continue to not do their job, they do not care at all about the integrity and accuracy with which they report the information to the CRAs agencies ( XXXX ). \n\nOn top of that, they deceived me with the nature of the terms, using deceptive, unfair and abusive practices, doubling my original loan more than double with their exorbitant interest. I feel that I have been a victim of my consumer rights and on top of that, they have violated the CFPA law without fear of repercussions for their illegal acts.\n\nAcima never revealed the Annual Percentage Rate or the finance charges, thereby violating the Truth in Lending Law and its application of Regulation Z. M Acima never informed me or notified me when they reported negative information in my name to XXXX. \n\nAcima marketed its product and made me believe that what I requested was standard credit, which I thought was true and ended up being a lease, charging me more than double the original loan, Acima, they never disclosed the terms of the agreement, everything was through the merchant. Acima, nor the merchant, ever mentioned a lease, it was all a fraud. Before signing, I had no option to read the contract on my cell phone. They did everything possible to keep the terms and conditions hidden in their misleading software. \n\nAcima Credits policies and procedures have not adequately instructed how to conduct reasonable and timely investigations when i submit direct or indirect disputes, as defined by FCRA and Regulation V ( Direct Dispute and Indirect Dispute ). \n\nThey have failed to identify what factors should be considered to conduct a reasonable investigation of different types of disputes, Further, on numerous occasions, Acima Credit furnished inaccurate information to CRAs, such as inaccurate information about me loan amount, scheduled monthly payment, and credit balance. Acima Credit knew the information it reported did not conform to the reality of me account. \n\nOn numerous occasions when i submitted a Direct or Indirect Dispute, Acima Credit failed to conduct a reasonable investigation that included a review of all relevant information provided by me or CRAs. \n\nAcima Credit failed to adequately notify me when reporting this negative information.Acima Credit provided no written notice prior to or within 30 days of the negative reporting. Sections 1031 and 1036 of the CFPA prohibit a covered person from committing or engaging in any unfair, deceptive, or abusive act or practice in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ).\n\nAn act or practice is abusive under the CFPA if it, among other things, materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service. 12 U.S.C. 5531 ( d ) ( 1 ).\n\nAs a result, Acima engaged in deceptive acts or practices, in violation of sections 1031 and 1036 of the CFPA. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ). \n\nI tried to return the goods that I acquired through the loan and it was impossible for me to return it, they always gave me excuses and obstacles to return the item, my account was opened in XXXX and I was never able to return the money acquired in the loan Acima 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 XXXX XXXX XXXX XXXX XXXXXXXX Acima Companies designed and implemented a mobile application and contracting process that materially interfered in numerous ways with my ability to understand the terms and conditions, among other things the process : ( 1 ) directed me to the application through statements that misrepresented the nature of the product ; ( 2 ) deprived me of the opportunity to even see the terms and conditions until the check-out process ; ( 3 ) made it difficult for me to read the agreement; ( 4 ) obscured the cost of the product.\n\nAcima engaged in abusive acts or practices, in violation of sections 1031 and 1036 of the CFPA. 12 U.S.C. 5531 ( a ), ( d ) ( 1 ), 5536 ( a ) ( 1 ) ( B ).\n\nIn the original contract that Acima sent me, I show that the initial loan was 775 and that within 90 days they are charging me double the loan. This is a deception, a fraud, and I demand that they delete this account immediately. \n\nWhy did you delete the XXXX XXXX XXXX, why don't you report it, it is your obligation to fill out all the fields and report them, report the Balance Histories or delete the entire account. \n\nWhy didn't you even answer my question about the statement that I sent in XX/XX/XXXX, where Acima charges XXXX payments of {$100.00}, why aren't that amount or those payments reflected in the statement that Acima provided me? They are reporting inaccurate and false information Why does Acima only answer one question and not everything addressed in the disputes? They have a terrible process Please CFPB, let the full weight of the law fall on Acima and let them learn to manage their work and not deceive or scam customers. I demand that the entire account be deleted. \n\nAtt : XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-14T15:50:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33614","tags":null,"has_narrative":true,"complaint_id":"10802295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACIMA CREDIT, LLC","date_received":"2024-11-14T15:30:37.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Why didn't you <em>even</em> answer my question about the statement that I sent in XX/XX/XXXX, where Acima charges XXXX payments of {$100.00}, why <em>aren</em>'t that amount or those payments reflected in the statement that Acima provided me? They are reporting inaccurate and false information Why does Acima only answer one question and not everything addressed in the disputes?"]},"sort":[8.741671,"10802295"]},{"_index":"complaint-public-v1","_id":"10801597","_score":8.733924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau Re : XXXX Continued from Case Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Balance : - Original Balance : {$1500.00} Date Opened : XX/XX/XXXX Dear CFPB XXXX continues to violate Regulation V, continues to provide inaccurate and totally misleading information. XXXX does not establish reasonable policies or procedures regarding the disputes that I have sent, they continue to not do their job, they do not care at all about the integrity and accuracy with which they report the information to the CRAs agencies ( EXPERIAN ). \n\nOn top of that, they deceived me with the nature of the terms, using deceptive, unfair and abusive practices, doubling my original loan more than double with their exorbitant interest. I feel that I have been a victim of my consumer rights and on top of that, they have violated the CFPA law without fear of repercussions for their illegal acts. \n\nXXXX never revealed the Annual Percentage Rate or the finance charges, thereby violating the Truth in Lending Law and its application of Regulation Z. M XXXX never informed me or notified me when they reported negative information in my name to Experian. \n\nXXXX marketed its product and made me believe that what I requested was standard credit, which I thought was true and ended up being a lease, charging me more than double the original loan, XXXX, they never disclosed the terms of the agreement, everything was through the merchant. XXXX, nor the merchant, ever mentioned a lease, it was all a fraud. Before signing, I had no option to read the contract on my cell phone. They did everything possible to keep the terms and conditions hidden in their misleading software. \n\nXXXX Credits policies and procedures have not adequately instructed how to conduct reasonable and timely investigations when i submit direct or indirect disputes, as defined by FCRA and Regulation V ( Direct Dispute and Indirect Dispute ). \n\nThey have failed to identify what factors should be considered to conduct a reasonable investigation of different types of disputes, Further, on numerous occasions, XXXX XXXX furnished inaccurate information to CRAs, such as inaccurate information about me loan amount, scheduled monthly payment, and credit balance. XXXX XXXX knew the information it reported did not conform to the reality of me account. \n\nOn numerous occasions when i submitted a Direct or Indirect Dispute, XXXX XXXX failed to conduct a reasonable investigation that included a review of all relevant information provided by me or CRAs. \n\nXXXX XXXX failed to adequately notify me when reporting this negative information.XXXX  XXXX provided no written notice prior to or within 30 days of the negative reporting. \n\nSections 1031 and 1036 of the CFPA prohibit a covered person from committing or engaging in any unfair, deceptive, or abusive act or practice in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. XXXX2 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ). \n\nAn act or practice is abusive under the CFPA if it, among other things, materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service. 12 U.S.C. 5531 ( d ) ( 1 ). \n\nAs a result, XXXX engaged in deceptive acts or practices, in violation of sections 1031 and 1036 of the CFPA. 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ( B ).\n\nI tried to return the goods that I acquired through the loan and it was impossible for me to return it, they always gave me excuses and obstacles to return the item, my account was opened in XXXX and I was never able to return the money acquired in the loan 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Companies designed and implemented a mobile application and contracting process that materially interfered in numerous ways with my ability to understand the terms and conditions, among other things the process : ( 1 ) directed me to the application through statements that misrepresented the nature of the product ; ( 2 ) deprived me of the opportunity to even see the terms and conditions until the check-out process ; ( 3 ) made it difficult for me to read the agreement; ( 4 ) obscured the cost of the product. \nXXXX engaged in abusive acts or practices, in violation of sections 1031 and 1036 of the CFPA. 12 U.S.C. 5531 ( a ), ( d ) ( 1 ), 5536 ( a ) ( 1 ) ( B ). \n\nIn the original contract that XXXX sent me, I show that the initial loan was XXXX and that within 90 days they are charging me double the loan. This is a deception, a fraud, and I demand that they delete this account immediately. \n\nWhy did you delete the Experian Balance History, why don't you report it, it is your obligation to fill out all the fields and report them, report the Balance Histories or delete the entire account. \n\nWhy didn't you even answer my question about the statement that I sent in XX/XX/XXXX, where XXXX charges 4 payments of {$100.00}, why aren't that amount or those payments reflected in the statement that XXXX provided me? They are reporting inaccurate and false information Why does XXXX only answer one question and not everything addressed in the disputes? They have a terrible process Please CFPB, let the full weight of the law fall on XXXX and let them learn to manage their work and not deceive or scam customers. I demand that the entire account be deleted. \n\nAtt : XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-14T15:51:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33614","tags":null,"has_narrative":true,"complaint_id":"10801597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-14T15:50:49.000Z","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":["Why didn't you <em>even</em> answer my question about the statement that I sent in XX/XX/XXXX, where XXXX charges 4 payments of {$100.00}, why <em>aren</em>'t that amount or those payments reflected in the statement that XXXX provided me? They are reporting inaccurate and false information Why does XXXX only answer one question and not everything addressed in the disputes?"]},"sort":[8.733924,"10801597"]},{"_index":"complaint-public-v1","_id":"2993153","_score":8.49729,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have a vehicle loan with Ford Credit. I always make my payments within the 14 day grace period and typically I split the payment in two. My car payment is due on the XXXX of every month and for my XXXX car payment I set up two auto payments. XXXX payment was set up on XX/XX/XXXX for {$100.00} and the other payment was {$320.00} on XX/XX/XXXX. On XX/XX/XXXX I noticed an NSF was taken out of my account for FORD credit. I immediately called FORD to find out what happened with my payment. I spoke with a representative for over 45 minutes regarding the charges and he advised me that Ford processes payments at XXXX the day before. I then stated I wasn't aware of that. I set the payment up for the day I got paid and knew my payroll check would be in my account. He apologized and stated that because of the mistake he would waive the late fee of {$30.00} that I had and my next pay would be {$410.00} on my XX/XX/XXXX due date. He reassured me that my payments had been received and my account was in good standing. On XX/XX/XXXX I got a phone call from FORD credit ( Voicemail ). I  called back and spoke with a XXXX I believe and a XXXX ( Supervisor ) who both were very rude and nasty. They advised me my account was 30 days past due for my XXXX car payment. I said there was no way and they stated I owed {$81.00}. I told them about the two payments and checked my online account and told them online reflected both payments as paid. The supervisor stated my XX/XX/XXXX payment was not received even though online stated clearly \" thank you payment received ''. I then told the supervisor that I called in on the recorded line and spoke to a team member there who advised me he notated my account. I advised her what he advised me on the XX/XX/XXXX. She lied and said \" Our calls aren't recorded '' \" We never record calls here '' She then said regardless of the error the payment is due and your 30 days late. I asked why no one called me to even advised me of this? She couldn't answer and then eventually lied and said someone did. I have no call from ford credit care or loss prevention before XX/XX/XXXX. I hung up and called back and spoke to a very nice agent who advised me they may not report it as late. I advised him I can make the payment and that it was wrong for me to be at fault for their mistake. I then asked why no one called me from Ford credit before the 30 days and he said because you set up and made automatic payments. He basically reassured that his supervisor lied. He told me to call the following Monday and complain to Customer Service however everytime I called the same loss prevention department answered and refused to allow me to speak to Customer Service. I am in the process of purchasing a home. With no negative hits on my credit. I am very careful and make my payments on time and I knew to be even more careful because of the home buying process. I pleaded with Ford about this being a mistake on their end and begged them to pull the call and they refused. I also asked them to explain why the notes matched my story and they refused. I asked for an explanation on how my online account reflected both payments as paid and they refused. They just kept saying if you made your payments on time you would be in this department. I was basically crying on the phone asking her to understand that this was her companies fault and that as a consumer someone should have called me prior to 30 days if a team member made a mistake. Also that the phone advises all calls are recorded and that legally she should have to listen to that call before throwing a 30 day late on my credit report knowing I always pay the same way every time. I even told her legally they shouldn't even be able to pull payments earlier than the day the payments are scheduled and she declined to speak on that even though the representative I spoke to on XX/XX/XXXX advised me a supervisor confirmed that it was happened. I am currently in good standing and my payments are made however this 30 day late should not be on my credit or my husbands credit report. It should be removed from all bureaus because as consumers we did what we were suppose to do. This company failed us in numerous ways. I feel they should be held responsible for that.","date_sent_to_company":"2018-08-16T06:20:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32818","tags":null,"has_narrative":true,"complaint_id":"2993153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"FORD MOTOR CREDIT CO.","date_received":"2018-08-16T02:10:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This company <em>failed</em> us in numerous ways. I feel they should be held responsible for that."]},"sort":[8.49729,"2993153"]},{"_index":"complaint-public-v1","_id":"3314655","_score":8.33353,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX  directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX   disputed it and removed it and when confronted accused XXXX Bank XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX  and XXXX  and I faxed supporting information to XXXX as advised, XXXX XXXX XXXX is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported Capital One and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX   has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX   necessary documents to no avail. \n\nI got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX  credit bureau as far as I understand but disputes through XXXX  XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is the XXXX  credit bureau as far as I <em>understand</em> but disputes through XXXX  XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!"]},"sort":[8.33353,"3314655"]},{"_index":"complaint-public-v1","_id":"3314495","_score":8.323046,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my Equifax credit reports since XX/XX/XXXX. I was trying to dispute through Equifax directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later Equifax disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. Equifax lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. Equifax says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, Equifax failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to Equifax as advised, XXXX XXXX XXXX is still erroneously on my Equifax credit report in the amount of {$1900.00} ... I reported XXXX XXXX and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my Equifax credit report. This is what my experience with Equifax has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed Equifax necessary documents to no avail. \n\nI got a free copy of my Equifax credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with Equifax as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the Equifax credit bureau as far as I understand but disputes through Equifax Information Services LLC. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314495","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-22T18:13:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is the Equifax credit bureau as far as I <em>understand</em> but disputes through Equifax Information Services LLC. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!"]},"sort":[8.323046,"3314495"]},{"_index":"complaint-public-v1","_id":"3314501","_score":8.321748,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my XXXX  report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX  says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, Portfolio Recovery Associates is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported XXXX  XXXX and Portfolio Recovery Associates to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX  has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit  monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail. \n\nI got a free copy of my XXXX  credit report in XX/XX/XXXX and disputed errors by US mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is the XXXX credit bureau as far as I <em>understand</em> but disputes through XXXX XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!"]},"sort":[8.321748,"3314501"]},{"_index":"complaint-public-v1","_id":"18348038","_score":8.257341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful.On XX/XX/year>, I sent a formal dispute to Experian about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint - I sent them everything they needed, including my Police Report ( XXXX XXXX. XXXX ), which is official documentation proving these accounts aren't mine. That was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life. This isn't just a delay or an oversight anymore. This is non-compliance with federal law. Experian had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it. I've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB - because a credit bureau that won't follow the law needs to be held accountable. \n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what Experian was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No P Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it.\n\nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation.\n\nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, Experian was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days. It's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section.\n\nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation.\n\nMetro 2 and CDIA Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards- meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion. \n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that aren't even mine. When I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Experian won't follow the law. I've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file. This situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this - hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability. \n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule. Experian has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report. I'm now asking for the CFPB 's intervention because this is exactly why your agency exists- to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-12-29T19:30:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19115","tags":null,"has_narrative":true,"complaint_id":"18348038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T19:30:10.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that <em>aren</em>'t <em>even</em> mine. When I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Experian won't follow the law. I've faced embarrassment applying for housing."]},"sort":[8.257341,"18348038"]},{"_index":"complaint-public-v1","_id":"17387758","_score":8.257341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful.On XX/XX/year>, I sent a formal dispute to Experian about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint- I sent them everything they needed, including my FTC Report ( Case No. XXXX ), which is official documentation proving these accounts aren't mine. \nThat was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life. \nThis isn't just a delay or an oversight anymore. This is non-compliance with federal law. Experian had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it. \nI've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB - because a credit bureau that won't follow the law needs to be held accountable. \n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what Experian was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No P Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it. \nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation. \nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, Experian was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days. \nIt's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section. \nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation. \nMetro 2 and XXXX Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards- meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion. \n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that aren't even mine. \nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Experian won't follow the law. \nI've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file. \nThis situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this - hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability. \n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule. \nExperian has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report. \nI'm now asking for the CFPB 's intervention because this is exactly why your agency exists- to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-11-20T15:59:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77504","tags":null,"has_narrative":true,"complaint_id":"17387758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-20T15:59:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that <em>aren</em>'t <em>even</em> mine. \nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Experian won't follow the law. \nI've faced embarrassment applying for housing."]},"sort":[8.257341,"17387758"]},{"_index":"complaint-public-v1","_id":"17224326","_score":8.257341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful. \n\nOn XXXX XXXX I sent a formal dispute to Equifax about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint I sent them everything they needed, including my Police Report ( XXXX XXXX. XXXX ), which is official documentation proving these accounts aren't mine. That was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life. \n\nThis isn't just a delay or an oversight anymore. This is non-compliance with federal law. Equifax had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it. I've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB because a credit bureau that won't follow the law needs to be held accountable. \n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what Equifax was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No Permissible Purpose : They are reporting accounts and inquiries without authorization.\n\nSection 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it. \n\nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation. \n\nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, Equifax was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days. It's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section.\n\nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation. \n\nMetro 2 and CDIA Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion. \n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications cards I needed, loans I qualified for all because of accounts that aren't even mine. When I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Equifax won't follow the law. \n\nI've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file. This situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability. \n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule. Equifax has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report. \n\nI'm now asking for the CFPB 's intervention because this is exactly why your agency exists to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-11-13T20:07:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77070","tags":null,"has_narrative":true,"complaint_id":"17224326","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-13T20:07:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I've been denied legitimate credit applications cards I needed, loans I qualified for all because of accounts that <em>aren</em>'t <em>even</em> mine. When I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Equifax won't follow the law. \n\nI've faced embarrassment applying for housing."]},"sort":[8.257341,"17224326"]},{"_index":"complaint-public-v1","_id":"17210689","_score":8.257341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful. \n\nOn XX/XX/year>, I sent a formal dispute to Equifax about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint - I sent them everything they needed, including my Police Report ( Case No. XXXX ), which is official documentation proving these accounts aren't mine.\n\nThat was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life.\n\nThis isn't just a delay or an oversight anymore. This is non-compliance with federal law. Equifax had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it.\n\nI've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB - because a credit bureau that won't follow the law needs to be held accountable.\n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what Equifax was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No Permissible Purpose : The law clearly states that a consumer 's credit file may only contain information obtained for a lawful permissible purpose. The inclusion of this account and related inquiries without authorization violates this section.\n\nSection 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it.\n\nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation.\n\nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, Equifax was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days.\n\nIt's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section.\n\nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation.\n\nMetro 2 and CDIA Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards- meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion.\n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that aren't even mine.\n\nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Equifax won't follow the law.\n\nI've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file.\n\nThis situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this - hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability.\n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule.\n\nEquifax has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report.\n\nI'm now asking for the CFPB 's intervention because this is exactly why your agency exists- to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-11-13T00:57:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33607","tags":null,"has_narrative":true,"complaint_id":"17210689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-13T00:56:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that <em>aren</em>'t <em>even</em> mine.\n\nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Equifax won't follow the law.\n\nI've faced embarrassment applying for housing."]},"sort":[8.257341,"17210689"]},{"_index":"complaint-public-v1","_id":"17388676","_score":8.244434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful.On XX/XX/year>, I sent a formal dispute to TransUnion about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint- I sent them everything they needed, including my FTC Report ( Case No. XXXX ), which is official documentation proving these accounts aren't mine. \nThat was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life. \nThis isn't just a delay or an oversight anymore. This is non-compliance with federal law. TransUnion had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it. \nI've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB - because a credit bureau that won't follow the law needs to be held accountable. \n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what TransUnion was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No P Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it. \nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation. \nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, TransUnion was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days. \nIt's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section. \nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation. \nMetro 2 and XXXX Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards- meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion. \n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that aren't even mine. \nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because TransUnion won't follow the law. \nI've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file. \nThis situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this - hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability. \n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule. \nTransUnion has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report. \nI'm now asking for the CFPB 's intervention because this is exactly why your agency exists- to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-11-20T15:42:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77504","tags":null,"has_narrative":true,"complaint_id":"17388676","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-20T15:12:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that <em>aren</em>'t <em>even</em> mine. \nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because TransUnion won't follow the law. \nI've faced embarrassment applying for housing."]},"sort":[8.244434,"17388676"]},{"_index":"complaint-public-v1","_id":"17342195","_score":8.244434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful. \nOn XX/XX/year>, I sent a formal dispute to Equifax about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint - I sent them everything they needed, including my Police Report ( XXXX XXXX. XXXX ), which is official documentation proving these accounts aren't mine. \nThat was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life. \nThis isn't just a delay or an oversight anymore. This is non-compliance with federal law. Equifax had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it. \nI've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB - because a credit bureau that won't follow the law needs to be held accountable. \n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what Equifax was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No P Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it.\n\nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation.\n\nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, Equifax was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days.\n\nIt's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section.\n\nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation.\n\nMetro 2 and CDIA Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards- meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion.\n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that aren't even mine.\n\nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Equifax won't follow the law.\n\nI've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file.\n\nThis situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this - hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability.\n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule.\n\nEquifax has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report.\n\nI'm now asking for the CFPB 's intervention because this is exactly why your agency exists- to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-11-18T04:14:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37128","tags":null,"has_narrative":true,"complaint_id":"17342195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-18T04:13:34.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that <em>aren</em>'t <em>even</em> mine.\n\nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because Equifax won't follow the law.\n\nI've faced embarrassment applying for housing."]},"sort":[8.244434,"17342195"]},{"_index":"complaint-public-v1","_id":"17288015","_score":8.244434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful. \nOn XX/XX/2025, I sent a formal dispute to TransUnion about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint - I sent them everything they needed, including my Police Report ( XXXX XXXX. ID : ( XXXX ), which is official documentation proving these accounts aren't mine. \nThat was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life. \nThis isn't just a delay or an oversight anymore. This is non-compliance with federal law. TransUnion had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it. \nI've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB - because a credit bureau that won't follow the law needs to be held accountable. \n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what TransUnion was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No P Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it. \nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation. \nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, TransUnion was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days. \nIt's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section. \nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation. \nMetro 2 and XXXX Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards- meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion. \n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that aren't even mine. \nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because TransUnion won't follow the law. \nI've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file. \nThis situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this - hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability. \n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule. \nTransUnion has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report. \nI'm now asking for the CFPB 's intervention because this is exactly why your agency exists- to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-11-18T00:46:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33166","tags":null,"has_narrative":true,"complaint_id":"17288015","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-18T00:45:44.000Z","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":["I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that <em>aren</em>'t <em>even</em> mine. \nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because TransUnion won't follow the law. \nI've faced embarrassment applying for housing."]},"sort":[8.244434,"17288015"]},{"_index":"complaint-public-v1","_id":"17216752","_score":8.244434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Permissible Purpose : The law says no one can report information about me without a permissible purpose and my authorization. These accounts and inquiries have neither. There's no written agreement, no verifiable consent, nothing proving I authorized them. Continuing to report them is unlawful. \n\nOn XX/XX/year>, I sent a formal dispute to TransUnion about unauthorized and inaccurate information on my credit report. I wasn't just making a casual complaint - I sent them everything they needed, including my Police Report ( XXXX XXXX. XXXX ), which is official documentation proving these accounts aren't mine. \n\nThat was over 30 days ago. More than enough time for them to investigate and fix this. But when I checked my credit report recently, nothing has changed. The unauthorized information is still there, still damaging my credit, still affecting my life. This isn't just a delay or an oversight anymore. This is non-compliance with federal law. \n\nTransUnion had a legal obligation to investigate my dispute and remove information they couldn't verify. They didn't do it. \n\nI've done everything right. I followed their process, sent documentation, gave them the legal timeframe. They've done nothing. That's why I'm coming to the CFPB - because a credit bureau that won't follow the law needs to be held accountable. \n\nLEGAL VIOLATIONS : I've researched the Fair Credit Reporting Act extensively, and I understand what TransUnion was legally required to do. Here 's what they've violated : Section 604 ( 15 U.S.C. 1681b ) - No P Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Maximum Possible Accuracy : Credit bureaus are required to maintain \" maximum possible accuracy. '' Keeping unverified items on my file after I've disputed them with documentation doesn't meet that standard. They're misrepresenting my credit history and they know it. \n\nSection 611 ( 15 U.S.C. 1681i ) - Duty to Reinvestigate : When they received my dispute, they were required by law to conduct a reasonable reinvestigation and delete anything they couldn't verify with proper documentation. It's been over 30 days. That's more than enough time. They either didn't investigate at all, or they did and couldn't verify it but left it on my report anyway. Either way, that's a violation. \n\nSection 605B ( 15 U.S.C. 1681c-2 ) - The 4-Day Blocking Rule : This one is really clear. Once I submitted a valid police report documenting identity issues, TransUnion was legally required to block and delete the disputed information within FOUR business days. Not 30 days. Not 60 days. Four business days. It's been way longer than that, and the items are still on my report. That's a direct, documented violation of this section. \n\nSection 1681a ( 4 ) - Privacy Protection : I have a right to privacy of my non-public personal information. Keeping unauthorized data in my file is an improper intrusion into my privacy and causes real harm to my financial reputation. \n\nMetro 2 and XXXX Standards : Beyond the FCRA, all credit reporting is supposed to meet Metro 2 standards- meaning the data has to be complete, accurate, and current. These accounts and inquiries fail all those tests because there's no documentation supporting them and no permissible purpose for their inclusion. \n\nTHE IMPACT THIS IS HAVING ON MY LIFE : This isn't just about numbers on a report. This is about my actual life being affected every single day by information that shouldn't be there : Because of this continued non-compliance, my credit score stays artificially low. I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that aren't even mine. \n\nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because TransUnion won't follow the law. \n\nI've faced embarrassment applying for housing. I had to explain to landlords why my credit looks bad, knowing the whole time that it's because of fraudulent information that a credit bureau is illegally keeping on my file. \n\nThis situation has caused me genuine stress and frustration. I wake up thinking about it. I've spent hours dealing with this - hours I could have spent with my family or focusing on my work. It goes far beyond a \" clerical error. '' This has real effects on my daily life and financial stability. \n\nWHY I'M COMING TO THE CFPB : I've acted in good faith throughout this entire process. I filed my dispute properly. I sent documentation. I gave them the legal timeframe to investigate. I followed every rule. TransUnion has failed to do the same. They've ignored their legal obligations under the FCRA, and they're continuing to harm me by keeping inaccurate information on my report. \n\nI'm now asking for the CFPB 's intervention because this is exactly why your agency exists- to protect consumers when credit bureaus refuse to follow federal law. I need you to ensure compliance and stop this ongoing harm.","date_sent_to_company":"2025-11-14T00:09:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33015","tags":null,"has_narrative":true,"complaint_id":"17216752","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-14T00:00:46.000Z","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":["I've been denied legitimate credit applications- cards I needed, loans I qualified for - all because of accounts that <em>aren</em>'t <em>even</em> mine. \n\nWhen I do get approved for something, I'm charged interest rates that are way higher than what I should be paying. That's real money coming out of my pocket every month because TransUnion won't follow the law. \n\nI've faced embarrassment applying for housing."]},"sort":[8.244434,"17216752"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":66,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":66}]}},"product":{"doc_count":66,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":30}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Mortgage","doc_count":9,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":3},{"key":"FHA mortgage","doc_count":3},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"VA mortgage","doc_count":1}]}},{"key":"Checking or savings account","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":3},{"key":"Other banking product or service","doc_count":3}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Traveler's check or cashier's check","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Credit 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