{"took":261,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7036,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6072378","_score":12.426027,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Equifax please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXX XXXX XXXX XXXX XXXX I will provide letters from the fraud specialist and attached these letters to each credit bureau.","date_sent_to_company":"2022-10-11T14:18:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30141","tags":"Servicemember","has_narrative":true,"complaint_id":"6072378","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-11T14:18:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX please remove these creed if <em>inquires</em> of my credit <em>report</em> they are <em>fraud</em> I will list the <em>inquires</em>, I am dealing with a <em>fraud</em> resolution specialist because my identity has been stolen and used and please DO NOT PUT a <em>fraud</em> alert on my <em>report</em> period just remove the <em>inquires</em> XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Equifax please remove these creed if <em>inquires</em> of my credit <em>report</em> they are <em>fraud</em> I will list the <em>inquires</em>, I am dealing with a <em>fraud</em> resolution specialist because my identity"],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[12.426027,"6072378"]},{"_index":"complaint-public-v1","_id":"15915785","_score":12.059542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I HAVE DISPUTED THIS FRAUD INQUIRES ON MY EQUIFAX CREDIT FILE AND THEY CAME BACK AND STATED YOU CAN'T DISPUTED FRAUD INQUIRES ONLINE YOU MUST CALL THE CREDITOR, I DID AND THEY STATED YOU MUST DISPUTE THEM WITH EQUIFAX DIRECTLY BUT EQUIFAX STATES YOU CAN'T. I REACH OUT TO THE POLICE AND THEY FILLED A POLICE REPORT SHOWING THE FRAUD INQUIRES AND ACCOUNTS. I TALKED TO THE OFFICE OF THE CONSUMER AFFAIRS IN THE U.S. AND TOLD THEM IT WANT LET ME LOCK MY FILE AND I UPLOADED A SCREENSHOT SHOWING THE ERROR CODE FROM EQUIFAX SAYING YOU CAN'T LOCK IT. THEY SENT IT TO TECH AND THE BACK OFFICE TO FIX THE PROBLEM AS OF XX/XX/year> BUT NOT FIXED YET. I HAVE ATTACHED THE POLICE REPORT SHOWING THE FRAUD INQUIRES, FTC IDENTITY THEFT REPORT, DRIVERS LICENSE, SCREENSHOT OF THE ERROR ON THE LOCK AND UNLOCK FOR LOCKING MY CREDIT FILE DOWN, PROOF OF ADDRESS, FRAUD INQUIRES TO HAVE REMOVED AND BLOCK DUE TO FRAUD USE. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS FRAUD INQUIRES PLEASE AS THEY ARE FRAUD.","date_sent_to_company":"2025-09-13T01:56:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"284XX","tags":"Servicemember","has_narrative":true,"complaint_id":"15915785","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T01:43:33.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I HAVE ATTACHED THE POLICE <em>REPORT</em> SHOWING THE <em>FRAUD</em> <em>INQUIRES</em>, FTC IDENTITY THEFT <em>REPORT</em>, DRIVERS LICENSE, SCREENSHOT OF THE ERROR ON THE LOCK AND UNLOCK FOR LOCKING MY CREDIT FILE DOWN, PROOF OF ADDRESS, <em>FRAUD</em> <em>INQUIRES</em> TO HAVE REMOVED AND BLOCK DUE TO <em>FRAUD</em> USE. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS <em>FRAUD</em> <em>INQUIRES</em> PLEASE AS THEY ARE <em>FRAUD</em>."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[12.059542,"15915785"]},{"_index":"complaint-public-v1","_id":"10403520","_score":12.010051,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint was filed to request pursuant to FCRA subsection 605B ( 15 U.S.C subsection 1681c-2 ) that you the Experian credit reporting agency block information appearing on my consumer credit report which is a result of identity theft and or fraud within 4 business days of receiving this complaint. This fraud, inaccurate, and false information consist of, XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) opened XXXX XXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX acct # XXXX, hard inquires include XXXX XXXX XXXXXXXX inquired XXXX XXXX, XXXX inquired XXXX XXXX, XXXX inquired on XX/XX/XXXXXXXX XXXX inquired on XXXX XXXX I did not authorize nor inquire about any of these fraudulent inquires. These accounts have resulted in several fraud inquired and fraud collections appearing on my consumer FICO credit report. Ive attached a list of the fraudulent hard inquires and a copy of my consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items reported, these accounts were not made, opened or initiated by me. All of these aforementioned hard inquires and collections are results of identity theft and or fraud. I have also attached a copy of FTC identity theft complaint # XXXX as proof from the US Federal trade commission that all of the aforementioned consumer credit accounts, collections and hard inquires are result of identity theft and or fraud.","date_sent_to_company":"2024-10-09T20:18:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"77018","tags":"Servicemember","has_narrative":true,"complaint_id":"10403520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-09T20:11:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["These accounts have resulted in several <em>fraud</em> <em>inquired</em> and <em>fraud</em> collections appearing on my consumer FICO credit <em>report</em>. Ive attached a list of the fraudulent hard <em>inquires</em> and a copy of my consumer credit <em>report</em> maintained by you which shows the aforementioned fraudulent items. I do not recognize said aforementioned fraudulent items <em>reported</em>, these accounts were not made, opened or initiated by me."]},"sort":[12.010051,"10403520"]},{"_index":"complaint-public-v1","_id":"6959013","_score":11.7689,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX for XXXX, XXXX for XXXX, and XXXX for Transunion is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. \n\nThere is also multiple inquires from \" XXXX '', \" XXXXXXXX XXXX XXXX', and \" XXXXXXXX XXXX XXXX' which I do not recognize, The inquires that are fraud on XXXX are \" XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on Transunion are XXXX XXXX ', The second \" XXXX ' inquiry, \" XXXX XXXX  XXXX and \" XXXX XXXX  ''.","date_sent_to_company":"2023-05-11T00:05:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19116","tags":null,"has_narrative":true,"complaint_id":"6959013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T00:01:57.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["There is also multiple <em>inquires</em> from \" XXXX '', \" XXXXXXXX XXXX XXXX', and \" XXXXXXXX XXXX XXXX' which I do not recognize, The <em>inquires</em> that are <em>fraud</em> on XXXX are \" XXXX '', The <em>inquires</em> that are <em>fraud</em> on XXXX are XXXX XXXX ', The <em>inquires</em> that are <em>fraud</em> on Transunion are XXXX XXXX ', The second \" XXXX ' inquiry, \" XXXX XXXX  XXXX and \" XXXX XXXX  ''."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.7689,"6959013"]},{"_index":"complaint-public-v1","_id":"6958994","_score":11.7689,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX for XXXX, XXXX for Equifax, and XXXX for XXXX is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. \n\nThere is also multiple inquires from \" XXXX '', \" XXXX XXXX  '', and \" XXXX XXXX  '' which I do not recognize, The inquires that are fraud on XXXX are \" XXXX  '', The inquires that are fraud on Equifax are XXXX XXXX ', The inquires that are fraud on XXXX are XXXX XXXX ', The second \" XXXX ' inquiry, \" XXXX XXXX  XXXX and \" XXXX XXXX  ''.","date_sent_to_company":"2023-05-11T00:05:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19116","tags":null,"has_narrative":true,"complaint_id":"6958994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-11T00:05:26.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["There is also multiple <em>inquires</em> from \" XXXX '', \" XXXX XXXX  '', and \" XXXX XXXX  '' which I do not recognize, The <em>inquires</em> that are <em>fraud</em> on XXXX are \" XXXX  '', The <em>inquires</em> that are <em>fraud</em> on Equifax are XXXX XXXX ', The <em>inquires</em> that are <em>fraud</em> on XXXX are XXXX XXXX ', The second \" XXXX ' inquiry, \" XXXX XXXX  XXXX and \" XXXX XXXX  ''."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.7689,"6958994"]},{"_index":"complaint-public-v1","_id":"5680961","_score":11.745134,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and Transunion, XXXX credit reporting agency, this account of XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXXXXXX BANKInquired XXXX, XXXX Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES","date_sent_to_company":"2022-06-17T20:49:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07201","tags":null,"has_narrative":true,"complaint_id":"5680961","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-17T20:49:11.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I've been a victim of identity fraudulent <em>Inquired</em> on a <em>fraud</em> accounts has been <em>reporting</em> to my XXXX and Transunion, XXXX credit <em>reporting</em> agency, this account of XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX Fraudulents <em>inquires</em> XX/XX/XXXX XXXX CARD <em>Inquired</em> on XX/XX/XXXX, XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX CARD <em>Inquired</em> on XX/XX/XXXX, XXXX XXXX XXXXXXXX, <em>Inquired</em> on XX/XX/XXXX, XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX <em>inquired</em> XXXX, XXXX XXXXXXXX BANKInquired XXXX, XXXX <em>Inquired</em> XXXX, XXXX XXXX"],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.745134,"5680961"]},{"_index":"complaint-public-v1","_id":"11749805","_score":11.744065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Again I am disputing INQUIRIES!! inquires only!!! I have sent several disputes to equifax and XXXX disputing inquires!!! Neither company will research inquiry disputes ( not tradelines or open accpunts but inquiries ) both companies you can dispute inquiries on your report but then in less than 1 business day they close the review and say all inquires are valid even if fraud. both companies refuse to research hard credit inquires. \nIn XXXXXXXX some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc ID packet, disputes the charges and accounts opened due to fraud. On XX/XX/year> I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/year> Equifax did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires showing with XXXX and Equifax online, and online it shows I can dispute due to fraud just to have both companies immediately deny this and not look into the claims at all and just state they are valid?","date_sent_to_company":"2025-01-24T20:07:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43160","tags":null,"has_narrative":true,"complaint_id":"11749805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T20:00:23.000Z","state":"OH","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/year> Equifax did not even review the attached documents that included police <em>reports</em> and I'd theft packets and said all <em>inquires</em> are valid for 2 years even if from <em>fraud</em>. How can I dispute <em>fraud</em> <em>inquires</em> showing with XXXX and Equifax online, and online it shows I can dispute due to <em>fraud</em> just to have both companies immediately deny this and not look into the claims at all and just state they are valid?"],"product":["Credit reporting or other personal consumer <em>reports</em>"]},"sort":[11.744065,"11749805"]},{"_index":"complaint-public-v1","_id":"5680962","_score":11.73632,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my XXXX and XXXX, Equifax credit reporting agency, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired XXXX, XXXX  Inquired XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES","date_sent_to_company":"2022-06-17T20:49:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07201","tags":null,"has_narrative":true,"complaint_id":"5680962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-06-17T20:49:11.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I've been a victim of identity fraudulent <em>Inquired</em> on a <em>fraud</em> accounts has been <em>reporting</em> to my XXXX and XXXX, Equifax credit <em>reporting</em> agency, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents <em>inquires</em> XX/XX/XXXX XXXX XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX XXXX XXXX, <em>Inquired</em> on XX/XX/XXXX, XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX <em>inquired</em> XXXX, XXXX XXXX XXXXInquired XXXX, XXXX  <em>Inquired</em> XXXX, XXXX XXXX  XXXX <em>Inquired</em>"],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.73632,"5680962"]},{"_index":"complaint-public-v1","_id":"6959035","_score":11.73515,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX for Experian, XXXX for XXXX, and XXXX for XXXX is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. \n\nThere is also multiple inquires from \" XXXX '', \" XXXX XXXX '', and \" XXXX XXXX  '' which I do not recognize, The inquires that are fraud on Experian are \" XXXX '', The inquires that are fraud on XXXX are XXXX XXXX ', The inquires that are fraud on XXXX are XXXX XXXX ', The second \" XXXX ' inquiry, \" XXXX XXXX  XXXX and \" XXXX XXXX ''.","date_sent_to_company":"2023-05-11T00:05:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19116","tags":null,"has_narrative":true,"complaint_id":"6959035","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T00:05:26.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["There is also multiple <em>inquires</em> from \" XXXX '', \" XXXX XXXX '', and \" XXXX XXXX  '' which I do not recognize, The <em>inquires</em> that are <em>fraud</em> on Experian are \" XXXX '', The <em>inquires</em> that are <em>fraud</em> on XXXX are XXXX XXXX ', The <em>inquires</em> that are <em>fraud</em> on XXXX are XXXX XXXX ', The second \" XXXX ' inquiry, \" XXXX XXXX  XXXX and \" XXXX XXXX ''."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.73515,"6959035"]},{"_index":"complaint-public-v1","_id":"11756949","_score":11.704638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Again I am disputing INQUIRIES!! inquires only!!! I have sent several disputes to XXXX and experian disputing inquires!!! Neither company will research inquiry disputes ( not tradelines or open accpunts but inquiries ) both companies you can dispute inquiries on your report but then in less than 1 business day they close the review and say all inquires are valid even if fraud. both companies refuse to research hard credit inquires. \nIn 2024 some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc ID packet, disputes the charges and accounts opened due to fraud. On XX/XX/year> I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/year> XXXX did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires showing with Experian and XXXX XXXX, and online it shows I can dispute due to fraud just to have both companies immediately deny this and not look into the claims at all and just state they are valid?","date_sent_to_company":"2025-01-24T20:07:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43160","tags":null,"has_narrative":true,"complaint_id":"11756949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T20:07:23.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["On XX/XX/year> XXXX did not even review the attached documents that included police <em>reports</em> and I'd theft packets and said all <em>inquires</em> are valid for 2 years even if from <em>fraud</em>. How can I dispute <em>fraud</em> <em>inquires</em> showing with Experian and XXXX XXXX, and online it shows I can dispute due to <em>fraud</em> just to have both companies immediately deny this and not look into the claims at all and just state they are valid?"],"product":["Credit reporting or other personal consumer <em>reports</em>"]},"sort":[11.704638,"11756949"]},{"_index":"complaint-public-v1","_id":"6962265","_score":11.675935,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. \n\nXXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX OF XXXX Inquired on XX/XX/2023 XXXX & XXXX XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023","date_sent_to_company":"2023-05-11T14:38:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30306","tags":null,"has_narrative":true,"complaint_id":"6962265","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T14:32:58.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The below accounts and inquiries do not belong to me and are <em>fraud</em>. I have also included the identity theft <em>reports</em>. These accounts are <em>fraud</em>. \n\nXXXX XXXX XXXX  <em>Inquired</em> on XX/XX/2023 XXXX OF XXXX <em>Inquired</em> on XX/XX/2023 XXXX & XXXX XXXX <em>Inquired</em> on XX/XX/2023 XXXX <em>Inquired</em> on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX <em>Inquired</em> on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX <em>Inquired</em> on XX/XX/2023 XXXX <em>Inquired</em> on XX/XX/202XXXX XXXX XXXX XXXXXXXX <em>Inquired</em> on XX/XX/2023"],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[11.675935,"6962265"]},{"_index":"complaint-public-v1","_id":"8395820","_score":11.641899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, XXXX of which is XXXX XXXX XXXX XXXXXXXX Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX XXXXXXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. \n\nOn XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. \n\nOn XX/XX/XXXX, XXXX XXXX NA inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.","date_sent_to_company":"2024-02-22T16:00:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91342","tags":null,"has_narrative":true,"complaint_id":"8395820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Open Dealer Exchange, LLC","date_received":"2024-02-22T15:51:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["This must be either a mistake by the company or <em>fraud</em>. \n\nOn XX/XX/XXXX, XXXX XXXX NA <em>inquired</em> my credit <em>report</em>. I never authorized this inquiry. This must be either a mistake by the company or <em>fraud</em>."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[11.641899,"8395820"]},{"_index":"complaint-public-v1","_id":"8395607","_score":11.634813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, one of which is 15 U.S. Code 1681b Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. \n\nOn XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. \n\nOn XX/XX/XXXX, XXXX XXXX NA inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.","date_sent_to_company":"2024-02-22T16:00:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91342","tags":null,"has_narrative":true,"complaint_id":"8395607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2024-02-22T16:00:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["This must be either a mistake by the company or <em>fraud</em>. \n\nOn XX/XX/XXXX, XXXX XXXX NA <em>inquired</em> my credit <em>report</em>. I never authorized this inquiry. This must be either a mistake by the company or <em>fraud</em>."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[11.634813,"8395607"]},{"_index":"complaint-public-v1","_id":"8395766","_score":11.596673,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, one of which is 15 U.S. Code 1681b Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX  XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. \n\nOn XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. \n\nOn XX/XX/XXXX, XXXX XXXX XXXX  inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.","date_sent_to_company":"2024-02-22T16:00:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"91342","tags":null,"has_narrative":true,"complaint_id":"8395766","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-02-22T16:00:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["This must be either a mistake by the company or <em>fraud</em>. \n\nOn XX/XX/XXXX, XXXX XXXX XXXX  <em>inquired</em> my credit <em>report</em>. I never authorized this inquiry. This must be either a mistake by the company or <em>fraud</em>."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[11.596673,"8395766"]},{"_index":"complaint-public-v1","_id":"5680952","_score":11.553022,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I've been a victim of identity fraudulent Inquired on a fraud accounts has been reporting to my Experian and XXXX, XXXX XXXX XXXX XXXX, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents inquires XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX inquired XXXX, XXXX XXXX XXXXInquired onXXXX, XXXX  Inquired XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX, Inquired XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX, XXXXInquired on XX/XX/XXXX this inquires are fraudulent requested by someone who stolen my identity, FRAUD INQUIERES","date_sent_to_company":"2022-06-17T20:49:05.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07201","tags":null,"has_narrative":true,"complaint_id":"5680952","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-17T20:24:22.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I've been a victim of identity fraudulent <em>Inquired</em> on a <em>fraud</em> accounts has been <em>reporting</em> to my Experian and XXXX, XXXX XXXX XXXX XXXX, this account of XXXX XXXX XXXX  Account number XXXX opened XX/XX/XXXX Fraudulents <em>inquires</em> XX/XX/XXXX XXXX XXXX  <em>Inquired</em> on XX/XX/XXXX, XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX XXXX XXXXXXXX, <em>Inquired</em> on XX/XX/XXXX, XXXX <em>Inquired</em> on XX/XX/XXXX, XXXX <em>inquired</em> XXXX, XXXX XXXX XXXXInquired onXXXX, XXXX  <em>Inquired</em> XXXX, XXXX XXXX XXXXXXXX <em>Inquired</em>"],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[11.553022,"5680952"]},{"_index":"complaint-public-v1","_id":"13535941","_score":11.516882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I NOTICED A FRAUD INQUIRE ON MY XXXX  REPORT AND CALLED XXXX AND DISPUTED THE FRAUD INQUIRE AND THEN CALLED AMEX AND WARNED THEM I DIDN'T APPLY! THE FRAUD DEPARTMENT WITH AMEX SAID THEY WERE STOPPING THE CARD ASAP AND THANKED ME FOR CALLING AND WARNING THEM! THEN A ACCOUNT SHOWED UP ON MY XXXX CREDIT FILE AND I FILED A FTC IDENTITY THEFT REPORT AND POLICE AND ATTACHED IT TO MY DISPUTE AND AMERICAN EXPRESS REMOVED IT AS FRAUD. SO NOW THEY ARE REPORTING IT TO XXXX AS IM 60 DAYS LATE AND NOW I LOSING MY CLOSING DATE ON MY NEW HOME. AMERICAN WAS WARNED SEVERAL TIMES BUT STILL REPORTS IT AS ITS MY ACCOUNT. HOW EASY WOULD IT HAVE BEEN TO JUST CLOSE THE ACCOUNT THE DAY I CALL IN WARNING THEM THE INQUIRE IS FRAUD.","date_sent_to_company":"2025-05-15T20:00:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28411","tags":"Servicemember","has_narrative":true,"complaint_id":"13535941","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-05-15T19:51:44.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I NOTICED A <em>FRAUD</em> <em>INQUIRE</em> ON MY XXXX  <em>REPORT</em> AND CALLED XXXX AND DISPUTED THE <em>FRAUD</em> <em>INQUIRE</em> AND THEN CALLED AMEX AND WARNED THEM I DIDN'T APPLY! THE <em>FRAUD</em> DEPARTMENT WITH AMEX SAID THEY WERE STOPPING THE CARD ASAP AND THANKED ME FOR CALLING AND WARNING THEM! THEN A ACCOUNT SHOWED UP ON MY XXXX CREDIT FILE AND I FILED A FTC IDENTITY THEFT <em>REPORT</em> AND POLICE AND ATTACHED IT TO MY DISPUTE AND AMERICAN EXPRESS REMOVED IT AS <em>FRAUD</em>."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.516882,"13535941"]},{"_index":"complaint-public-v1","_id":"3558718","_score":11.504027,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/2020 I had 2 inquires reported. I reported fraud about these inquires I didn't apply for credit. Experian score before the inquires placed on the credit report was XXXX. After the inquires placed the score went down XXXX. I called Experian and disputed the inquires. They deleted the inquires and my score still XXXX. I called them to inquire and they had nothing to say.","date_sent_to_company":"2020-03-11T16:37:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"292XX","tags":null,"has_narrative":true,"complaint_id":"3558718","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-03-08T19:59:23.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["In XX/XX/2020 I had 2 <em>inquires</em> <em>reported</em>. I <em>reported</em> <em>fraud</em> about these <em>inquires</em> I didn't apply for credit. Experian score before the <em>inquires</em> placed on the credit <em>report</em> was XXXX. After the <em>inquires</em> placed the score went down XXXX. I called Experian and disputed the <em>inquires</em>. They deleted the <em>inquires</em> and my score still XXXX. I called them to <em>inquire</em> and they had nothing to say."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"]},"sort":[11.504027,"3558718"]},{"_index":"complaint-public-v1","_id":"6703338","_score":11.442627,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spoke with XXXX in the fraud department at XXXX. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. \nPer the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.","date_sent_to_company":"2023-03-16T17:35:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"201XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6703338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-16T17:35:20.000Z","state":"VA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I spoke with XXXX in the <em>fraud</em> department at XXXX. She refused to remove inquiries off my <em>report</em> that was <em>reported</em> as <em>fraud</em>. All the <em>inquires</em> were connected to the <em>fraud</em> accounts. \nPer the FCRA, <em>inquires</em> can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer <em>report</em>."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.442627,"6703338"]},{"_index":"complaint-public-v1","_id":"6703346","_score":11.437185,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spoke with XXXX in the fraud department at Transunion. She refused to remove inquiries off my report that was reported as fraud. All the inquires were connected to the fraud accounts. \nPer the FCRA, inquires can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer report.","date_sent_to_company":"2023-03-16T17:35:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"201XX","tags":"Servicemember","has_narrative":true,"complaint_id":"6703346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-16T17:26:57.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I spoke with XXXX in the <em>fraud</em> department at Transunion. She refused to remove inquiries off my <em>report</em> that was <em>reported</em> as <em>fraud</em>. All the <em>inquires</em> were connected to the <em>fraud</em> accounts. \nPer the FCRA, <em>inquires</em> can be opted out in which she refussed to do so. I had been hung up on twice while trying to correct my consumer <em>report</em>."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.437185,"6703346"]},{"_index":"complaint-public-v1","_id":"5400786","_score":11.435434,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I paid to view all three of my credit reports and found a lot of hard inquires that are fraud and I don't recognize on my TransUnion report. Please validate all the hard inquires and delete the ones that are fraud.","date_sent_to_company":"2022-04-03T18:11:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"55024","tags":null,"has_narrative":true,"complaint_id":"5400786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-04-03T18:03:24.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I paid to view all three of my credit <em>reports</em> and found a lot of hard <em>inquires</em> that are <em>fraud</em> and I don't recognize on my TransUnion <em>report</em>. Please validate all the hard <em>inquires</em> and delete the ones that are <em>fraud</em>."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[11.435434,"5400786"]},{"_index":"complaint-public-v1","_id":"10110578","_score":11.40411,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In 2024 some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc I'd packet, disputes the charges and accounts opened due to fraud. On XX/XX/2024 I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/2024 Equifax did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires and Equifax online shows I can dispute due to fraud just to have Equifax immediately deny this and not look into the claims at all and just state they are valid?","date_sent_to_company":"2024-09-13T11:18:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43160","tags":null,"has_narrative":true,"complaint_id":"10110578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T11:02:32.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2024 Equifax did not even review the attached documents that included police <em>reports</em> and I'd theft packets and said all <em>inquires</em> are valid for 2 years even if from <em>fraud</em>. How can I dispute <em>fraud</em> <em>inquires</em> and Equifax online shows I can dispute due to <em>fraud</em> just to have Equifax immediately deny this and not look into the claims at all and just state they are valid?"],"product":["Credit reporting or other personal consumer <em>reports</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.40411,"10110578"]},{"_index":"complaint-public-v1","_id":"6953397","_score":11.372858,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These inquiries and accounts do not belong to and fraud. I have included the identity theft reports. \n\nThese accounts are fraud : XXXXXXXX BANK  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX These inquiries are fraud : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX","date_sent_to_company":"2023-05-09T22:44:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"074XX","tags":null,"has_narrative":true,"complaint_id":"6953397","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-09T22:38:41.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["These inquiries and accounts do not belong to and <em>fraud</em>. I have included the identity theft <em>reports</em>."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[11.372858,"6953397"]},{"_index":"complaint-public-v1","_id":"2028480","_score":11.363444,"_source":{"product":"Credit reporting","complaint_what_happened":"I have an Initial fraud alert on my Consumer credit report. I have reports from XXXX XXXX and XXXX XXXX Fraud department saying they are removing Hard Inquires from my report. I have other hard inquires on my report I believe to be in error.","date_sent_to_company":"2016-07-25T15:41:43.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"48221","tags":null,"has_narrative":true,"complaint_id":"2028480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-07-25T15:41:42.000Z","state":"MI","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I have an Initial <em>fraud</em> alert on my Consumer credit <em>report</em>. I have <em>reports</em> from XXXX XXXX and XXXX XXXX <em>Fraud</em> department saying they are removing Hard <em>Inquires</em> from my <em>report</em>. I have other hard <em>inquires</em> on my <em>report</em> I believe to be in error."],"issue":["Incorrect information on credit <em>report</em>"]},"sort":[11.363444,"2028480"]},{"_index":"complaint-public-v1","_id":"1868831","_score":11.330694,"_source":{"product":"Credit reporting","complaint_what_happened":"I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to help me.","date_sent_to_company":"2016-04-07T13:15:02.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"1868831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-04-07T13:15:01.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I have XXXX hard <em>inquires</em> on my credit <em>report</em> from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a <em>fraud</em> alert on my credit <em>report</em> now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove <em>inquires</em> or dispute these even if they are <em>fraud</em>. all these <em>inquires</em> are from the same company i have put a <em>fraud</em> alert XXXX."],"issue":["Incorrect information on credit <em>report</em>"]},"sort":[11.330694,"1868831"]},{"_index":"complaint-public-v1","_id":"2565842","_score":11.322389,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"All inquires on credit report are fraud i did not make these inquires please remove.","date_sent_to_company":"2017-07-05T17:16:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"661XX","tags":null,"has_narrative":true,"complaint_id":"2565842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-05T17:16:38.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["All <em>inquires</em> on credit <em>report</em> are <em>fraud</em> i did not make these <em>inquires</em> please remove."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.322389,"2565842"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7036,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7036}]}},"product":{"doc_count":7036,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer 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