{"took":52,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10719782","_score":17.39531,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I logged into EquifaxXXXX and no history is pulling up on my credit report. I pay {$19.00} a month for the Equifax services with identity theft insurance and restoration services. My data has been compromised and I am a victim of identity theft. Attached are supporting documentation ( ID etc ) to complete investigation. \n\nThe identity theft restorative services that I pay for comes with : Social Media Monitoring, Device Protection, Parental Controls, VPN, & Password XXXX XXXX searches the XXXX XXXX for your personal data Credit alerts help you detect fraud faster ID Restoration Specialists help you recover from ID theft Up to {$1.00} XXXX in ID theft XXXX to help you recover from ID fraud The identity theft plan I pay for is suppose to help with : Protect Your Identity Device Protection Help protect devices from ransomware attacks and phishing attempts, and block dangerous websites. \n\nIdentity Restoration \" a dedicated Identity Restoration Specialist '' to help with \" the financial cost of restoring your identity '' which can be high - we reimburse many different out-of-pocket expenses. Up to {$1.00} XXXX  in Identity Theft Insurance- when it comes to monies owed, everything is done to prevent me from accessing reimbursement - a form of financial abuses. \n\nMonitor Your Credit and Identity Equifax Credit Monitoring with Alerts Credit Monitoring with Alerts Receive email alerts about new credit inquiries and credit accounts on your Equifax credit reportXXXX to help spot signs of fraud. You can also be alerted to changes to your Equifax credit XXXX. \n\nUpdated Equifax Credit Report. Updated Equifax Credit ReportXXXX Your Equifax credit report is updated every time you log in, up to once daily. \n\nUpdated Equifax Credit Score. Updated Equifax XXXX XXXX. Updated Equifax Credit ScoreXXXX Your Equifax credit score is updated every time you log in, up to once daily. Your credit report is a summary of your credit history, as reported to Equifax. Youll see your most updated Equifax credit score that lenders may use when reviewing credit applications.\n\nLock your Equifax credit report to help prevent new or additional credit from being opened in your name. \n\nI received the \" Remedying The Effects Of Identity Theft ''. Fraud alerts were placed on my Equifax file back in XXXX as well as extended alerts in XXXX. I was also a part of two data breaches with Equifax over the years. \n\nBeing Billed for Services Not Rendered - Equifax XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-06T17:12:01.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"10719782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-06T17:11:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I pay {$19.00} a month for the Equifax services with <em>identity</em> <em>theft</em> insurance and restoration services. My data has been compromised and I am a victim of <em>identity</em> <em>theft</em>. Attached are <em>supporting</em> documentation ( ID etc ) to complete investigation."]},"sort":[17.39531,"10719782"]},{"_index":"complaint-public-v1","_id":"14880538","_score":15.611759,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Monthly credit reports and score is paid for with paid membership I have paid membership number Member ID XXXX Membership plan Experian Premium : $ XXXX They change it from monthly to 90 days and now charge XXXX dollar to get monthly even though I already paying or this service. \n\n============================ Skip to main content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chat Your account Manage your account info, settings and membership details. \nYour benefits Recurring privacy scans and help removing info Subscription Cancellation Bill Negotiator Daily Experian Credit Report and FICO Scores 3-Bureau Credit Monitoring & Alerts FICO Score Tracker FICO Score Planner Experian CreditLock with Alerts Dark Web Internet Surveillance Alerts Up to {$1.00} XXXX Identity Theft Insurance Dedicated Fraud Resolution Support Lost Wallet Assistance Social Security Number Trace Alerts Change of Address Alerts Court Records and Bookings Alerts Non-Credit Loans Alerts Sex Offender Registry Alerts Social Network Monitoring Alerts Identity Validation Alerts this is NOT what I paid for I paid for monthly reports and scores : Quarterly 3-Bureau Report and FICO Scores Services Overview Credit Overview Money Overview How Lenders See You Protection Credit Cards Loans Auto Insurance Tools Experian Boost Experian CreditLock Score Planner Score Simulator Security Freeze Support Help Center Get the free Experian app : Follow us : Contact Us 2025 Experian. All rights reserved. \nExperian and the Experian trademarks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc., XXXX , Inc. or its affiliates. Other product or company names mentioned herein are the property of their respective owners. Licenses and Disclosures. \n\n================================ You have an active Experian Premium membership, which includes monthly reports. If you're not receiving them, it might be due to a technical issue. \n\nYou can check your membership details and update your preferences here. If the issue persists, you might want to contact Experian customer support at XXXX for further assistance.","date_sent_to_company":"2025-07-25T17:28:35.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"91942","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14880538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-25T17:14:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Your benefits Recurring privacy scans and help removing info Subscription Cancellation Bill Negotiator Daily Experian Credit Report and FICO Scores 3-Bureau Credit Monitoring & Alerts FICO Score Tracker FICO Score Planner Experian CreditLock with Alerts Dark Web Internet Surveillance Alerts Up to {$1.00} XXXX <em>Identity</em> <em>Theft</em> Insurance <em>Dedicated</em> Fraud Resolution <em>Support</em> Lost Wallet Assistance Social Security Number Trace Alerts Change of Address Alerts Court Records and Bookings Alerts Non-Credit Loans"]},"sort":[15.611759,"14880538"]},{"_index":"complaint-public-v1","_id":"7359651","_score":12.022263,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XX/XX/1982 is there by Equifax Consumer Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Regarding Negligence and Mishandling of Personal Information Dear Equifax Consumer Services, I am writing this letter to express my utmost discontent and concern over the negligent and irresponsible manner in which Equifax has handled my personal information. As one of the leading credit reporting agencies entrusted with safeguarding consumer data, it is disheartening to discover the extent of the security breach that occurred under your watch. \n\nIs it true I became aware that my personal information, including my Social Security number, address, and credit history, was compromised due to a major data breach at Equifax. This incident not only exposed me to substantial financial risks but also put my personal privacy and identity at stake. Despite relying on Equifax to secure and protect my sensitive information, I feel violated and betrayed by the lack of adequate measures taken to prevent such an incident. \n\nThe gravity of this security breach can not be understated. With my information now in the hands of malicious individuals, I am vulnerable to potential identity theft, fraudulent credit applications, and other detrimental consequences that can have a lasting impact on my financial well-being. Furthermore, the breach has shattered my trust in Equifax, a company that should have operated with the utmost professionalism and security protocols in place. \n\nAdding to my frustration is the lack of transparency and timely communication from Equifax regarding this issue. It took an unreasonable amount of time for me to receive any notice or concrete information about the breach and how it may affect me. This delay only further demonstrates the nonchalant and inept manner in which my personal information has been treated. \n\nAs a result of Equifax 's negligence, I have suffered from immense stress, XXXX, and financial insecurity. In order to rectify this situation, I demand the following actions to be taken : 1. Provide free and comprehensive credit monitoring services for an extended period, ensuring constant monitoring of any suspicious activities related to my credit profile.\n\n2. Cover the costs associated with obtaining regular credit reports to monitor for any unauthorized activities.\n\n3. Establish a dedicated customer support line for affected individuals with knowledgeable representatives who can promptly address concerns and provide necessary guidance regarding identity theft protection.\n\n4. Take all necessary measures to prevent further breaches and strengthen your security framework to ensure the safety of consumer data going forward.\n\n5. Provide clear and accurate information regarding the extent of the breach, including the potential risks to my personal information, and keep me regularly updated on any new developments. \n\nI expect a timely response to this complaint, outlining the steps Equifax intends to take to address my concerns and mitigate the damages caused by this breach. Failure to provide a satisfactory resolution will leave me with no choice but to explore legal actions and report this incident to relevant regulatory authorities. \n\nIt is my hope that Equifax takes immediate and significant action to rectify the damage caused to not only me but also millions of other affected individuals. As a responsible, information-sensitive company, you have a duty to uphold the highest standards of security and protect the privacy of your customers. \n\nI trust that you will treat this matter with the gravity it deserves and take immediate steps to restore my faith in your organization once again. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-08-06T18:43:35.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"80916","tags":null,"has_narrative":true,"complaint_id":"7359651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-06T18:30:53.000Z","state":"CO","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["Establish a <em>dedicated</em> customer <em>support</em> line for affected individuals with knowledgeable representatives who can promptly address concerns and provide necessary guidance regarding <em>identity</em> <em>theft</em> <em>protection</em>.\n\n4. Take all necessary measures to prevent further breaches and strengthen your security framework to ensure the safety of consumer data going forward.\n\n5."]},"sort":[12.022263,"7359651"]},{"_index":"complaint-public-v1","_id":"7261882","_score":10.6750345,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to bring to the attention of the Consumer Financial Protection Bureau ( CFPB ) a pressing concern regarding the presence of school loans on my consumer file, which I believe may constitute a clear violation of several federal laws aimed at safeguarding consumer rights and ensuring fair credit reporting practices. I am seeking your assistance to address these potential violations and would like to reference the following laws : Firstly, I refer to the Privacy Act of 1974 ( 5 U.S. Code 552a ), which explicitly requires credit reporting agencies, including the one in question, to maintain accurate and relevant records by obtaining written consent before adding any information to a consumer file. In light of this requirement, I request the CFPB 's guidance in ensuring that the credit reporting agency involved has diligently adhered to this mandate, securing my explicit written consent before incorporating the alleged school loans in my consumer file. \n\nSecondly, I call attention to 12 CFR 1022.3, which deems the addition of information to a consumer file without prior written consent as a potential act of identity theft. I urge the CFPB to thoroughly investigate this matter and request that the credit reporting agency provide any documentation or proof of my consent allowing the inclusion of the school loans in my consumer file. Should such evidence be absent, I anticipate the CFPB 's intervention to ensure appropriate corrective actions are taken, and that a detailed explanation is provided for the unauthorized inclusion and reporting of this sensitive information. \n\nFurthermore, I wish to highlight the Fair Credit Reporting Act ( 15 U.S. Code 1681a ( 2 ) Exclusions ), which specifically exempts certain data, such as student loans, from the definition of \" consumer report '' unless explicit written consent has been obtained. To ensure compliance, I request the CFPB 's assistance in verifying the credit reporting agency 's adherence to this provision and its ability to furnish any documentation or evidence demonstrating my explicit written consent for the inclusion of these loans in my consumer file. \n\nAdditionally, I draw your attention to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), which obliges credit reporting agencies to maintain accurate and fair credit reporting practices. I seek the CFPB 's guidance in reviewing the credit reporting agency 's practices concerning the alleged school loans on my consumer file, and request the CFPB 's support in ensuring that documented proof of compliance is provided. \n\nLastly, in accordance with the Family Educational Rights and Privacy Act ( 20 USC 1232g ( b ) ), educational institutions are required to obtain written consent before disclosing education records to third parties, including credit reporting agencies. I respectfully call upon the CFPB to investigate this matter and request evidence indicating that the educational institution responsible for the alleged school loans sought and obtained my written consent before disclosing this sensitive information. \n\nI urge the CFPB to diligently address each of these concerns and inquiries within a reasonable timeframe. Given the gravity of these potential violations, I trust that the CFPB will conduct a thorough investigation and work towards securing my consumer rights. I eagerly anticipate the CFPB 's response outlining its findings and the actions taken to rectify any violations. \n\nEnclosed is a copy of my previous written request in XX/XX/XXXX, where I attempted to have the school loans deleted and opted out of their reporting, further supporting my position on this matter. All correspondence related to this dispute should be directed to the address provided. Upon resolution of this matter, I kindly request written confirmation of the removal of the disputed information from my consumer file. \n\nThank you for your dedicated attention to this issue, and I appreciate the CFPB 's assistance in upholding consumer rights and ensuring compliance with federal laws.","date_sent_to_company":"2023-07-17T23:13:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"7261882","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-17T23:12:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Secondly, I call attention to 12 CFR 1022.3, which deems the addition of information to a consumer file without prior written consent as a potential act of <em>identity</em> <em>theft</em>. I urge the CFPB to thoroughly investigate this matter and request that the credit reporting agency provide any documentation or proof of my consent allowing the inclusion of the school loans in my consumer file."]},"sort":[10.6750345,"7261882"]},{"_index":"complaint-public-v1","_id":"13292915","_score":10.235301,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX To : Equifax Experian TransUnion From : XXXX XXXX XXXX Email : XXXX | XXXX Phone : ( XXXX ) XXXX Forwarding Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Demand for Permanent Removal of Fraudulent Information and Misidentification Identity Misuse from XXXX to Present To Whom It May Concern : This letter serves as my formal demand for the permanent removal of all fraudulent names, addresses, accounts, and inquiries from my credit files. This demand is directed primarily to Equifax, but it also includes Experian and TransUnion, both of whom have failed to resolve identity theft disputes that I have submitted and documented. \n\nDespite receiving legally valid and notarized documentation confirming my identity as XXXX XXXX XXXX, Equifax has repeatedly addressed me using the fraudulent alias XXXX XXXX in physical and electronic communications. \n\nEquifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Timeline of Verified Identity and Life Milestones : XX/XX/XXXX : Returned to and established permanent residence in XXXXXXXX XXXX \nXXXX : Participated in a documented custody case in XXXX XXXX XXXXXXXX. \nXXXX : Attended XXXX XXXX XXXX. \nFall XXXX : Enrolled at XXXX XXXX ( XXXX ). \nXXXX : Employed full-time at XXXXXXXX XXXX XXXX \nXXXX : Filed federal taxes under my legal name and NY address. \n\nIt is both legally and factually impossible for me to have lived in multiple states under multiple names while simultaneously attending school, raising a child, and working full-time in New York XXXX \n\n\n\nItemized List of Fraudulent Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Itemized List of Fraudulent Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Framework : Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. \n605B : All information resulting from identity theft must be blocked upon proper documentation.\n\n611 ( a ) : Agencies must conduct thorough reinvestigations of disputed data.\n\n611 ( a ) ( 6 ) ( B ) ( iii ) : Consumers are entitled to the name and contact information of any data furnisher providing disputed data.\n\nAccording to Social Security Administration ( SSA ) policies and federal law, a Social Security number may be linked to only one lawful name, either assigned at birth or changed through a court-ordered legal process. It is unlawful and procedurally impossible to maintain accounts or reporting data under multiple names not supported by a legal name change.\n\nDespite these laws, Equifax continues to mismanage the handling of my identityfailing to flag gross inconsistencies and even issuing communication to a XXXX XXXX in XXXX, a name that does not appear on any credit file at Equifax, TransUnion, or Experian. This reveals serious internal gaps and failures in data handling and dispute resolution procedures. \n\nFurthermore, I am concerned that Equifax may have inadvertently shared my lawful home address, workplace, or other personal data with individuals or entities involved in the fraudulent use of my Social Security number. This compromises my safety, financial security, and right to privacy. \n\n\n\nFormal Requests ( To Be Completed Within 30 Days ) : XXXX. Permanent removal of all fraudulent names, addresses, accounts, inquiries, and related data listed in this letter. \nXXXX. A full and detailed list of furnishers, financial institutions, and data brokers responsible for the submission of fraudulent data between XXXX and XXXX, including their contact information and the verification methods used. \nXXXX. A formal, written explanation from Equifax answering : How many names are legally permitted to exist on one consumer file within a XXXX period? \nWhy were two distinct names ( one verified and one fraudulent ) allowed to appear simultaneously despite prior disputes and proof? \nXXXX. Assignment of a dedicated point of contact at each bureau to handle future identity theft and dispute-related issues. \nXXXX. A full reinvestigation report and written confirmation that all listed fraudulent entries have been permanently deleted. \n\n\n\nOngoing Harm and Request for Compliance Due to these repeated failures, I am currently unable to secure housing, with my credit frozen and facing potential eviction as of XX/XX/XXXX, despite my good rental and employment standing. I am employed and working to resume my education, but I have been denied a lawful, accurate, and timely investigation, as required by the FCRA and applicable consumer protection laws. \n\nThis letter serves as formal and final notice. I request full compliance and action on the items outlined above. All future correspondence must be sent only under my lawful name : XXXX XXXX XXXX, to the forwarding address listed above. \n\nSincerely, XXXX XXXX XXXX XXXX | XXXX ( XXXX ) XXXX Physical copies of this letter will be furnished with supporting documents. Equifax response claiming illegible copies of my documents as the delay will be resolved of that concern as the same copies have been notarized at my local councilmans office and the notary has included she validates the documents to be the same ones in the printed copies. Her information is attached in that stamp and she is aware of any concerns or issues Equifax may raise and is prepared to confirm these statements. This will also be furnished to other agencies as permitted by my rights as a consumer.","date_sent_to_company":"2025-05-01T16:28:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"13292915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-01T16:27:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Assignment of a <em>dedicated</em> point of contact at each bureau to handle future <em>identity</em> <em>theft</em> and dispute-related issues. \nXXXX. A full reinvestigation report and written confirmation that all listed fraudulent entries have been permanently deleted. \n\n\n\nOngoing Harm and Request for Compliance Due to these repeated failures, I am currently unable to secure housing, with my credit frozen and facing potential eviction as of XX/XX/XXXX, despite my good rental and employment standing."]},"sort":[10.235301,"13292915"]},{"_index":"complaint-public-v1","_id":"13288631","_score":10.235301,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX To : Equifax Experian TransUnion From : XXXX XXXX XXXX Email : XXXX | XXXX Phone : ( XXXX ) XXXX Forwarding Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Demand for Permanent Removal of Fraudulent Information and Misidentification Identity Misuse from XXXX to Present To Whom It May Concern : This letter serves as my formal demand for the permanent removal of all fraudulent names, addresses, accounts, and inquiries from my credit files. This demand is directed primarily to Equifax, but it also includes Experian and TransUnion, both of whom have failed to resolve identity theft disputes that I have submitted and documented. \n\nDespite receiving legally valid and notarized documentation confirming my identity as XXXX XXXX XXXX, Equifax has repeatedly addressed me using the fraudulent alias XXXX XXXX in physical and electronic communications. \n\nEquifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Timeline of Verified Identity and Life Milestones : XX/XX/XXXX : Returned to and established permanent residence in XXXXXXXX XXXX \nXXXX : Participated in a documented custody case in XXXX XXXX XXXXXXXX. \nXXXX : Attended XXXX XXXX XXXX. \nFall XXXX : Enrolled at XXXX XXXX ( XXXX ). \nXXXX : Employed full-time at XXXXXXXX XXXX XXXX \nXXXX : Filed federal taxes under my legal name and NY address. \n\nIt is both legally and factually impossible for me to have lived in multiple states under multiple names while simultaneously attending school, raising a child, and working full-time in New York XXXX \n\n\n\nItemized List of Fraudulent Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Itemized List of Fraudulent Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Framework : Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. \n605B : All information resulting from identity theft must be blocked upon proper documentation.\n\n611 ( a ) : Agencies must conduct thorough reinvestigations of disputed data.\n\n611 ( a ) ( 6 ) ( B ) ( iii ) : Consumers are entitled to the name and contact information of any data furnisher providing disputed data.\n\nAccording to Social Security Administration ( SSA ) policies and federal law, a Social Security number may be linked to only one lawful name, either assigned at birth or changed through a court-ordered legal process. It is unlawful and procedurally impossible to maintain accounts or reporting data under multiple names not supported by a legal name change.\n\nDespite these laws, Equifax continues to mismanage the handling of my identityfailing to flag gross inconsistencies and even issuing communication to a XXXX XXXX in XXXX, a name that does not appear on any credit file at Equifax, TransUnion, or Experian. This reveals serious internal gaps and failures in data handling and dispute resolution procedures. \n\nFurthermore, I am concerned that Equifax may have inadvertently shared my lawful home address, workplace, or other personal data with individuals or entities involved in the fraudulent use of my Social Security number. This compromises my safety, financial security, and right to privacy. \n\n\n\nFormal Requests ( To Be Completed Within 30 Days ) : XXXX. Permanent removal of all fraudulent names, addresses, accounts, inquiries, and related data listed in this letter. \nXXXX. A full and detailed list of furnishers, financial institutions, and data brokers responsible for the submission of fraudulent data between XXXX and XXXX, including their contact information and the verification methods used. \nXXXX. A formal, written explanation from Equifax answering : How many names are legally permitted to exist on one consumer file within a XXXX period? \nWhy were two distinct names ( one verified and one fraudulent ) allowed to appear simultaneously despite prior disputes and proof? \nXXXX. Assignment of a dedicated point of contact at each bureau to handle future identity theft and dispute-related issues. \nXXXX. A full reinvestigation report and written confirmation that all listed fraudulent entries have been permanently deleted. \n\n\n\nOngoing Harm and Request for Compliance Due to these repeated failures, I am currently unable to secure housing, with my credit frozen and facing potential eviction as of XX/XX/XXXX, despite my good rental and employment standing. I am employed and working to resume my education, but I have been denied a lawful, accurate, and timely investigation, as required by the FCRA and applicable consumer protection laws. \n\nThis letter serves as formal and final notice. I request full compliance and action on the items outlined above. All future correspondence must be sent only under my lawful name : XXXX XXXX XXXX, to the forwarding address listed above. \n\nSincerely, XXXX XXXX XXXX XXXX | XXXX ( XXXX ) XXXX Physical copies of this letter will be furnished with supporting documents. Equifax response claiming illegible copies of my documents as the delay will be resolved of that concern as the same copies have been notarized at my local councilmans office and the notary has included she validates the documents to be the same ones in the printed copies. Her information is attached in that stamp and she is aware of any concerns or issues Equifax may raise and is prepared to confirm these statements. This will also be furnished to other agencies as permitted by my rights as a consumer.","date_sent_to_company":"2025-05-01T16:28:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"13288631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-01T15:52:03.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Assignment of a <em>dedicated</em> point of contact at each bureau to handle future <em>identity</em> <em>theft</em> and dispute-related issues. \nXXXX. A full reinvestigation report and written confirmation that all listed fraudulent entries have been permanently deleted. \n\n\n\nOngoing Harm and Request for Compliance Due to these repeated failures, I am currently unable to secure housing, with my credit frozen and facing potential eviction as of XX/XX/XXXX, despite my good rental and employment standing."]},"sort":[10.235301,"13288631"]},{"_index":"complaint-public-v1","_id":"13292913","_score":10.194172,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX To : Equifax Experian TransUnion From : XXXX XXXX XXXX Email : XXXX | XXXX Phone : ( XXXX ) XXXX Forwarding Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Demand for Permanent Removal of Fraudulent Information and Misidentification Identity Misuse from XXXX to Present To Whom It May Concern : This letter serves as my formal demand for the permanent removal of all fraudulent names, addresses, accounts, and inquiries from my credit files. This demand is directed primarily to Equifax, but it also includes Experian and TransUnion, both of whom have failed to resolve identity theft disputes that I have submitted and documented. \n\nDespite receiving legally valid and notarized documentation confirming my identity as XXXX XXXX XXXX, Equifax has repeatedly addressed me using the fraudulent alias XXXX XXXX in physical and electronic communications. \n\nEquifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Equifax Addressed Me as XXXX XXXX on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Timeline of Verified Identity and Life Milestones : XX/XX/XXXX : Returned to and established permanent residence in XXXXXXXX XXXX \nXXXX : Participated in a documented custody case in XXXX XXXX XXXXXXXX. \nXXXX : Attended XXXX XXXX XXXX. \nFall XXXX : Enrolled at XXXX XXXX ( XXXX ). \nXXXX : Employed full-time at XXXXXXXX XXXX XXXX \nXXXX : Filed federal taxes under my legal name and NY address. \n\nIt is both legally and factually impossible for me to have lived in multiple states under multiple names while simultaneously attending school, raising a child, and working full-time in New York XXXX \n\n\n\nItemized List of Fraudulent Names to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Itemized List of Fraudulent Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Framework : Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. \n605B : All information resulting from identity theft must be blocked upon proper documentation.\n\n611 ( a ) : Agencies must conduct thorough reinvestigations of disputed data.\n\n611 ( a ) ( 6 ) ( B ) ( iii ) : Consumers are entitled to the name and contact information of any data furnisher providing disputed data.\n\nAccording to Social Security Administration ( SSA ) policies and federal law, a Social Security number may be linked to only one lawful name, either assigned at birth or changed through a court-ordered legal process. It is unlawful and procedurally impossible to maintain accounts or reporting data under multiple names not supported by a legal name change.\n\nDespite these laws, Equifax continues to mismanage the handling of my identityfailing to flag gross inconsistencies and even issuing communication to a XXXX XXXX in XXXX, a name that does not appear on any credit file at Equifax, TransUnion, or Experian. This reveals serious internal gaps and failures in data handling and dispute resolution procedures. \n\nFurthermore, I am concerned that Equifax may have inadvertently shared my lawful home address, workplace, or other personal data with individuals or entities involved in the fraudulent use of my Social Security number. This compromises my safety, financial security, and right to privacy. \n\n\n\nFormal Requests ( To Be Completed Within 30 Days ) : XXXX. Permanent removal of all fraudulent names, addresses, accounts, inquiries, and related data listed in this letter. \nXXXX. A full and detailed list of furnishers, financial institutions, and data brokers responsible for the submission of fraudulent data between XXXX and XXXX, including their contact information and the verification methods used. \nXXXX. A formal, written explanation from Equifax answering : How many names are legally permitted to exist on one consumer file within a XXXX period? \nWhy were two distinct names ( one verified and one fraudulent ) allowed to appear simultaneously despite prior disputes and proof? \nXXXX. Assignment of a dedicated point of contact at each bureau to handle future identity theft and dispute-related issues. \nXXXX. A full reinvestigation report and written confirmation that all listed fraudulent entries have been permanently deleted. \n\n\n\nOngoing Harm and Request for Compliance Due to these repeated failures, I am currently unable to secure housing, with my credit frozen and facing potential eviction as of XX/XX/XXXX, despite my good rental and employment standing. I am employed and working to resume my education, but I have been denied a lawful, accurate, and timely investigation, as required by the FCRA and applicable consumer protection laws. \n\nThis letter serves as formal and final notice. I request full compliance and action on the items outlined above. All future correspondence must be sent only under my lawful name : XXXX XXXX XXXX, to the forwarding address listed above. \n\nSincerely, XXXX XXXX XXXX XXXX | XXXX ( XXXX ) XXXX Physical copies of this letter will be furnished with supporting documents. Equifax response claiming illegible copies of my documents as the delay will be resolved of that concern as the same copies have been notarized at my local councilmans office and the notary has included she validates the documents to be the same ones in the printed copies. Her information is attached in that stamp and she is aware of any concerns or issues Equifax may raise and is prepared to confirm these statements. This will also be furnished to other agencies as permitted by my rights as a consumer.","date_sent_to_company":"2025-05-01T16:28:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"13292913","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-01T16:27:43.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Assignment of a <em>dedicated</em> point of contact at each bureau to handle future <em>identity</em> <em>theft</em> and dispute-related issues. \nXXXX. A full reinvestigation report and written confirmation that all listed fraudulent entries have been permanently deleted. \n\n\n\nOngoing Harm and Request for Compliance Due to these repeated failures, I am currently unable to secure housing, with my credit frozen and facing potential eviction as of XX/XX/XXXX, despite my good rental and employment standing."]},"sort":[10.194172,"13292913"]},{"_index":"complaint-public-v1","_id":"3156873","_score":9.92181,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Just a few hours ago, I submitted a complaint against XXXX. Now I am submitting a CFPB complaint for the SAME MATTER against Experian. \nIt is not a secret that \" Forty lawsuits against Experian were consolidated in the U.S. District Court \". \nHERE are THE NEW TRENDS which prevent consumers like myself to see and correct their Experian credit reports for the same purpose like does XXXX. \n1 ) Experian is obliged by a Judge to provide a free credit reports and scores. While Experian is allowing consumers to do so, they PROVIDE a free OUTDATED credit REPORTS since 14 mounts  ago. Today I signed in to see my report, and it had numerous errors with outdated Credit Score and  data. \n2 ) Experian is pushing consumers to 'upgrade to 3-1 Credit reports with Scores for {$5.00}. This is why Experian, likewise XXXX, does provide outdated reports so they can get the free consumers ' membership money especially when a consumer is unhappy and cancels the service. And why one consumer would be happy with Experian?. Upon sign in a membership, a consumer is facing a freeze/ a BLOCKAGE OF THE SYTEM WTIH THE MESSAGE \" SOMETHING WENT WRONG, CALL LATER ''. In other words, the system after payment of a membership remains blocked and the consumer will be unable to FIX/look/dispute errors in their undated reports. Who has interest of that? Experian ... for sure!!! The same happened to me. I paid my {$5.00} membership, and was PREVENTED OF SEEING MY updated 3-1 CREDIT SCORES/ANY DETAILS at the REPORTS FOR EXPERIAN & EXXXX & XXXX. So, what was the point of paying Experian? There is no point, really, except making FREE MONEY for Experian, which intentionally blocked me/prevented me to see my most recent credit report. \n3 ) Experian customer service \" Live '' is unreachable. Thus, their telephone system is ASKING FOR SOCIAL SECURITY NUMBER IN ORDER a PHONE INQUIRY TO BE PROCESSED. I found this fact appalling and a breach of security ( how I can be sure this is an Experian phone, as automated voice was asking me for my SS #? ). Thus, I succeeded, called and spoke with XXXX, customer service, who told me he could see my most current credit report, and I asked him HOW IT COMES THAT I CAN NOT SEE IT BUT HE CAN ONLY SEE IT? HE SAID I MUST WAIT TWO HOURS AND MAY BE THE SYSTEM 'LL BE FIXED! I replied I DID NOT PAY a membership so I'll WAIT FOR TWO HOURS, I WANT MY REPORT NOW. I requested a refund of my {$5.00}. XXXX originally told me 'WE DO NOT ISSUE REFUNDS '' AND I OBJECTED STATING I AM VERY UNSATISFIED OF EXPERIAN . After 'back and forth ' conversation, XXXX agreed to refund the money after 3-5 business day. THIS IS HOW THEY, EXPERIAN AND XXXX MAKE THEIR FREE MONEY - THEY PAY NO TAX TO IRS, AS PLAYING WITH CONSUMERS ' REFUNDS FOR 3-5 DAY AND IMMAGINE THIS MONEY IS DEPOSITED IN an EXPERIAN BANK ACCOUNT - millions of canceled accounts 'd make millions of $ $ $ $ $ $ $ $ for Experian, without paying interests to consumers, but generating a free money in INTERESTS FOR EXPERIAN AND XXXX!!! ALL DUE TO SUCH 'SMART SCAMMING AND FRAUD ''! \n\np.s. below is a copy of the Experian Scamming membership actions, NONE CAN BE REACHED BY CONSUMERS! \n\nYour Order Summary Experian CreditWorks Premium $ XXXX/first month Monthly 3-Bureau Report & FICO Scores 3-Bureau Credit Monitoring and Alerts Daily Experian Credit Report & FICO Scores Experian CreditLock with Alerts FICO Score Tracker Identity Protection and Alerts Up to {$1.00}  XXXX Identity Theft Insurance * Dedicated Fraud Resolution Support Lost Wallet Assistance Sales Tax {$0.00} Order Total {$5.00}","date_sent_to_company":"2019-02-19T21:38:05.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"14626","tags":null,"has_narrative":true,"complaint_id":"3156873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-02-19T20:39:18.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Your Order Summary Experian CreditWorks Premium $ XXXX/first month Monthly 3-Bureau Report & FICO Scores 3-Bureau Credit Monitoring and Alerts Daily Experian Credit Report & FICO Scores Experian CreditLock with Alerts FICO Score Tracker <em>Identity</em> <em>Protection</em> and Alerts Up to {$1.00}  XXXX <em>Identity</em> <em>Theft</em> Insurance * <em>Dedicated</em> Fraud Resolution <em>Support</em> Lost Wallet Assistance Sales Tax {$0.00} Order Total {$5.00}"]},"sort":[9.92181,"3156873"]},{"_index":"complaint-public-v1","_id":"3425888","_score":7.9519343,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After the XXXX Equifax data breach, it was recommended by several websites and financial institutions to freeze all 3 credit bureau files to protect against identity theft and credit mis-use. I requested to all 3 bureaus that my files be frozen and created security PIN 's etc. to be used when requesting temporary or extended/permanent un-freezes for legitimate inquiries. This seemed to work well for some time ( 1 year approximately ) however, after 2 different situations recently when attempting to legitimately allow companies to access my reports/files I ran into issues with Equifax. \n\nWhen attempting to obtain a home loan ( XX/XX/XXXX ), I went online to XXXX 's freeze website and was able to easily use my PIN to unlock my report for a temporary inquiry, I did the same for XXXX with ease, however, when I attempted to temporarily lift the freeze with Equifax I ran into several issues. First, the website that I previously used to unlock/unfreeze the file was changed to a dedicated site, I attempted several times to both login with existing credentials used for the previous equifax site ( which still work on that site ), then I attempted to register a new account without success and after several help requests via email went unanswered, I called via phone to unlock the report. \n\nThis is where things got even worse. The customer service agents that answered the call were clearly from a foreign call center and of the 4-5 agents I interacted with, it was almost impossible to understand or communicate clearly with any of them. I am myself a bi-lingual person and understand the nuances and complexities of trying to speak in different non-native tongues and can appreciate these agents efforts, however, their particular capabilities were not even on par with basic English communicators. The questions being asked to verify my identity were completely confusing and vague at best. I was asked open ended questions such as \" did you have a merchant account, credit account, or bank loan '' full stop, when I answered I've had dozens and started naming some, the first 3 - 4 agents were not satisfied with the answers and denied me the ability to unlock my report. Only after almost 2 hours of repeated calls did I reach an agent that was finally satisfied with my answers and unlocked the report. As anyone can imagine, this was completely infuriating. I then learned that the only alternative to unlocking online was to speak to representatives at this call center and endure a similar process every time or mail a physical letter and wait several business days for the action to be performed. \n\nSince I had such a difficult situation with their phone option ( on two different occasions ), I started reaching out to their online customer service contacts for help correct whatever issue was happening with my online profile that would allow me to unlock/unfreeze the reports myself via their website. I submitted a help request on their website on approximately XX/XX/XXXX-XX/XX/XXXX ( don't have a date because it was an online form and only have an estimate due to the time I was having the difficulties and compared to the date when I received teh response. When I submitted that help request I detailed my issues and received the following response on XX/XX/XXXX : On Thu, XX/XX/XXXX at XXXX XXXX Customer.care@equifax.com <customer.care@equifax.com> wrote : Dear XXXXXXXXXXXXXX,  We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. \n\nUpon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. \n\nThere are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone : Mail this form to place a security freeze : https : //assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf Mail this form to place a fraud alert : https : //assets.equifax.com/assets/personal/Fraud_Alert_Request_Form.pdf Call Consumer Care team by phone at XXXX between XXXX XXXX  XXXX XXXX, 7 days per week. \n\n\nWe sincerely apologize for any inconvenience this issue may have caused. \n\nThank you for contacting Equifax, XXXX Equifax Consumer Care Team ref : XXXX : ref I was amazed that they seemingly ignored any attempts to resolve the issue with my online access and relegated me to the two other very slow and totally dysfunctional options. I replied with the following email : XX/XX/XXXX, XXXX XXXX to Customer.care@equifax.com That is absolutely an unacceptable answer. Your company was at fault for the 145 million person data breach that has forced consumers to take identity protection into their own hands. The government has mandated that the bureaus provide a mechanism that is easy to use that allows for people to freeze and unfreeze their credit and protect their information. Your phone system is not easy to use, it is time consuming and it is prone to errors and repeated failures both with the automated portion as well as with a live representative of which your company chooses to use outsourced companies for that are based overseas with nearly impossible accents to understand. \n\nI demand that someone reevaluate my account and correct the problems that prevent me from using the online portion. I have no problems accessing XXXX or XXXX 's online freeze/unfreeze services and incidentally, I have no problem accessing Equifax 's main website through my normal login. \n\nI expect that someone contact me directly to resolve this issue as it has caused an undue burden on myself and my family. \n\nXXXXXX ( contact info ) XXXXXX They then responded with the following : Customer.care@equifax.com via XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Dear XXXXXXXX, We received your research request from the Customer Care team and thank you for allowing us the opportunity to assist you. Your concern regarding online access has been reviewed. \n\nThe online registration process was designed with security and data integrity in mind. Multiple system requirements must be fulfilled to allow successful online data transfer. Though internet service is not currently an option, Equifax offers alternative options via telephone and US Mail to process your request. \n\nYour escalated matter is still being reviewed to aid in future Customer Service management and Technology endeavors. Your provided details will be collectively used in Equifaxs ongoing efforts to better serve and support the credit community. \n\nEquifax sincerely appreciates your patience during our investigation and review period. \n\nThank you, XXXX XXXX. \nConsumer Relations Specialist XXXX XXXX XXXX   Operations Clearly, this is not a response stating they will continue to work on my specific access issue, but rather a canned response that they'll use my details in \" ongoing efforts to better serve and support the credit community. '' This is plainly outrageous ; this companies lack of oversight, security and control management allowed hundreds of millions of consumers very personal and private financial data to be released into the wild, creating a lifetime of potential identity theft issues for those users and their burden should be higher to help these consumers protect themselves from something that happened through no fault of their own but rather through the direct negligence of a billion dollar organization entrusted to protect these consumers information. \n\nPlease respond and assist myself and all other consumers in similar situations to protect what is rightfully theirs, their privacy and personal information.","date_sent_to_company":"2019-11-01T18:01:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33040","tags":null,"has_narrative":true,"complaint_id":"3425888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-11-01T17:13:50.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Your company was at fault for the 145 million person data breach that has forced consumers to take <em>identity</em> <em>protection</em> into their own hands. The government has mandated that the bureaus provide a mechanism that is easy to use that allows for people to freeze and unfreeze their credit and protect their information."]},"sort":[7.9519343,"3425888"]},{"_index":"complaint-public-v1","_id":"12629018","_score":7.748981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear FTC Employee, Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Phone XXXX I am writing this very concerning letter to inform you that for a around the last 28 months, I have become a victim of a data breach and cyber hacking, during which most of my personal and sensitive information, including but not limited to my Social Security number, date of birth, address, credit, medical records, financial accounts, emails and passwords, were compromised and exposed online and even utilized on the dark web. As a result of this breach, I have experienced incredibly significant challenges, including my inability to pay my bills/accounts and support my family. I do believe there have possibly been some and accounts involved with identity theft, which has subsequently led to significant accounts being sent to collections and negative items appearing on my credit report. \n\nAs a dedicated member of the XXXX XXXX  XXXX, this breach has directly had a great impact on my ability to serve my country and provide for my family. I am respectfully requesting your urgent assistance in figuring out the best direction to move forward. Also possibly removing and helping me resolve any inaccurate collection accounts or information connected to compromised information that may be reflected on my credit report as a result of this breach. Additionally, I would like to request the following : Investigation and Dispute : I am requesting all major credit bureaus to initiate an investigation into the accounts reported in collections after XX/XX/XXXX and remove any fraudulent charges or collections that resulted from the breach. I have enclosed copies of supporting documentation where applicable information. \nPlease understand that I became a member of the XXXX XXXX as a XXXX in the XXXX XXXX XXXXXXXX. I am trying to serve my country and provide things such as adequate housing for my wife and XXXX children while also focusing on this completely disheartening situation. \n\nNote : Although this is a complaint primarily concerning my credit report, and financial stability due to some type of online fraud and cyber-hacking. Please understand that my concerns also go far beyond just credit reporting. An example is I feel I was a victim of issues such as some type of online employment sabotaging. During this time, only my emails and replys for employment prospects would be automatically deleted from my hacked email, which kept me unemployed for an extended period of time. This was prior to entering the military. I could go on with numerous non-coincidental instances that seemed purposeful in keeping me form financially providing for my family. This subsequently caused a downward financial spiral seriously affecting my credit. I even tried doing rideshare deliveries such as XXXXXXXX XXXX. One of the most infuriating instances. I had my data deleted and passwords changed to my rideshare account while in the middle of delivering XXXXXXXX XXXX. ( While I was driving ). I did not do this. Which compromised and shut down my account and was an extreme safety hazard. I know that seems very random and absurd, but XXXX can verify the timing and truth of this information. The situation deleted my XXXX account changed all of my information in the middle of a delivery and did not allow me to continue to make deliveries, which subsequently cut off my finances to provide for my family and pay my bills and accounts. Its been a disgraceful and dark situation as a customer. Shady text messages and notifications have occurred ( without me even signing in with a new or pre-existing apple ID on a brand new XXXX ). I have contacted XXXX about this also. And this is why there are multiple XXXX XXXX accounts with XXXX and XXXXXXXX XXXX XXXX delinquent on me on all 3 of my credit reports. This was due to spending thousands of dollars on new devices which were compromised. I also have a major eviction due to all of this. As a service member I have to move with short notice and if needed, provide adequate housing for my family and myself. It seemed as if my phones were being tracked and compromised via my social security number which was found on the dark web. I have done moderate research about this situation online and have been instructed to reach out to the Federal Trade Commission, Consumer Financial Protection Bureau. XXXX XXXX Device Security and possibly on base XXXX XXXX & XXXXT legal professional for assistance. I have been dealing with this for about 2 years now. I have begun this process with reaching out to XXXX XXXX. \nI will give a few examples below in bullets of ( just a few accounts ) on my credit report that have severely impacted my life and the stability of my family due to what I believe may be identity theft, hacking and sensitive data compromise. \n\nXXXX XXXXXXXX XXXX XXXX This is an account with XXXX phone carrier. This account exists because my XXXX product through XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXX about this concern and am waiting on response. I will attach the letter that was sent to XXXX. I do have photos and a description below as proof of this compromise/data exposure being valid. \nXXXX XXXX XXXX XXXX This is an account with XXXX XXXX XXXX phone carrier. This account exists also because my XXXX product through XXXX XXXX XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXXXXXX XXXX XXXX about this concern and am waiting for a response. I also have photos for this and a description below as proof of this compromised/data exposure being valid XXXX XXXXXXXX XXXX XXXX XXXX This is actually one of the most concerning accounts on my credit report due to the fact that this is a high amount eviction which can severely affect my ability to provide adequate housing for my wife and children. As many know, XXXX XXXX service members we do relocate frequently and have to provide adequate housing for ourselves and our dependents in a short period of time. \n\nI am deeply concerned about the potential long-term effects of this on my credit report and overall financial health. The past 28 months of my credit repair journey has been very hard to comprehend for me and stressful process to overcome. I have even made a very strong effort to settle and pay some of the debts that are in reason even though they were unjustly caused in my opinion. Ive even gotten some credit monitoring and dark web ssn monitoring which has helped minimally. I have also opened a few new accounts to try and repair my credit. I appreciate your attention to this matter and kindly request that you provide guidance on the next steps I need to take to resolve this matter.","date_sent_to_company":"2025-03-24T02:08:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"49006","tags":"Servicemember","has_narrative":true,"complaint_id":"12629018","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-24T01:48:09.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As a result of this breach, I have experienced incredibly significant challenges, including my inability to pay my bills/accounts and <em>support</em> my family. I do believe there have possibly been some and accounts involved with <em>identity</em> <em>theft</em>, which has subsequently led to significant accounts being sent to collections and negative items appearing on my credit report."]},"sort":[7.748981,"12629018"]},{"_index":"complaint-public-v1","_id":"12620366","_score":7.748981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear FTC Employee, Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Phone XXXX I am writing this very concerning letter to inform you that for a around the last 28 months, I have become a victim of a data breach and cyber hacking, during which most of my personal and sensitive information, including but not limited to my Social Security number, date of birth, address, credit, medical records, financial accounts, emails and passwords, were compromised and exposed online and even utilized on the dark web. As a result of this breach, I have experienced incredibly significant challenges, including my inability to pay my bills/accounts and support my family. I do believe there have possibly been some and accounts involved with identity theft, which has subsequently led to significant accounts being sent to collections and negative items appearing on my credit report. \n\nAs a dedicated member of the XXXX XXXX  XXXX, this breach has directly had a great impact on my ability to serve my country and provide for my family. I am respectfully requesting your urgent assistance in figuring out the best direction to move forward. Also possibly removing and helping me resolve any inaccurate collection accounts or information connected to compromised information that may be reflected on my credit report as a result of this breach. Additionally, I would like to request the following : Investigation and Dispute : I am requesting all major credit bureaus to initiate an investigation into the accounts reported in collections after XX/XX/XXXX and remove any fraudulent charges or collections that resulted from the breach. I have enclosed copies of supporting documentation where applicable information. \nPlease understand that I became a member of the XXXX XXXX as a XXXX in the XXXX XXXX XXXXXXXX. I am trying to serve my country and provide things such as adequate housing for my wife and XXXX children while also focusing on this completely disheartening situation. \n\nNote : Although this is a complaint primarily concerning my credit report, and financial stability due to some type of online fraud and cyber-hacking. Please understand that my concerns also go far beyond just credit reporting. An example is I feel I was a victim of issues such as some type of online employment sabotaging. During this time, only my emails and replys for employment prospects would be automatically deleted from my hacked email, which kept me unemployed for an extended period of time. This was prior to entering the military. I could go on with numerous non-coincidental instances that seemed purposeful in keeping me form financially providing for my family. This subsequently caused a downward financial spiral seriously affecting my credit. I even tried doing rideshare deliveries such as XXXXXXXX XXXX. One of the most infuriating instances. I had my data deleted and passwords changed to my rideshare account while in the middle of delivering XXXXXXXX XXXX. ( While I was driving ). I did not do this. Which compromised and shut down my account and was an extreme safety hazard. I know that seems very random and absurd, but XXXX can verify the timing and truth of this information. The situation deleted my XXXX account changed all of my information in the middle of a delivery and did not allow me to continue to make deliveries, which subsequently cut off my finances to provide for my family and pay my bills and accounts. Its been a disgraceful and dark situation as a customer. Shady text messages and notifications have occurred ( without me even signing in with a new or pre-existing apple ID on a brand new XXXX ). I have contacted XXXX about this also. And this is why there are multiple XXXX XXXX accounts with XXXX and XXXXXXXX XXXX XXXX delinquent on me on all 3 of my credit reports. This was due to spending thousands of dollars on new devices which were compromised. I also have a major eviction due to all of this. As a service member I have to move with short notice and if needed, provide adequate housing for my family and myself. It seemed as if my phones were being tracked and compromised via my social security number which was found on the dark web. I have done moderate research about this situation online and have been instructed to reach out to the Federal Trade Commission, Consumer Financial Protection Bureau. XXXX XXXX Device Security and possibly on base XXXX XXXX & XXXXT legal professional for assistance. I have been dealing with this for about 2 years now. I have begun this process with reaching out to XXXX XXXX. \nI will give a few examples below in bullets of ( just a few accounts ) on my credit report that have severely impacted my life and the stability of my family due to what I believe may be identity theft, hacking and sensitive data compromise. \n\nXXXX XXXXXXXX XXXX XXXX This is an account with XXXX phone carrier. This account exists because my XXXX product through XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXX about this concern and am waiting on response. I will attach the letter that was sent to XXXX. I do have photos and a description below as proof of this compromise/data exposure being valid. \nXXXX XXXX XXXX XXXX This is an account with XXXX XXXX XXXX phone carrier. This account exists also because my XXXX product through XXXX XXXX XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXXXXXX XXXX XXXX about this concern and am waiting for a response. I also have photos for this and a description below as proof of this compromised/data exposure being valid XXXX XXXXXXXX XXXX XXXX XXXX This is actually one of the most concerning accounts on my credit report due to the fact that this is a high amount eviction which can severely affect my ability to provide adequate housing for my wife and children. As many know, XXXX XXXX service members we do relocate frequently and have to provide adequate housing for ourselves and our dependents in a short period of time. \n\nI am deeply concerned about the potential long-term effects of this on my credit report and overall financial health. The past 28 months of my credit repair journey has been very hard to comprehend for me and stressful process to overcome. I have even made a very strong effort to settle and pay some of the debts that are in reason even though they were unjustly caused in my opinion. Ive even gotten some credit monitoring and dark web ssn monitoring which has helped minimally. I have also opened a few new accounts to try and repair my credit. I appreciate your attention to this matter and kindly request that you provide guidance on the next steps I need to take to resolve this matter.","date_sent_to_company":"2025-03-24T02:08:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"49006","tags":"Servicemember","has_narrative":true,"complaint_id":"12620366","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T02:08:25.000Z","state":"MI","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As a result of this breach, I have experienced incredibly significant challenges, including my inability to pay my bills/accounts and <em>support</em> my family. I do believe there have possibly been some and accounts involved with <em>identity</em> <em>theft</em>, which has subsequently led to significant accounts being sent to collections and negative items appearing on my credit report."]},"sort":[7.748981,"12620366"]},{"_index":"complaint-public-v1","_id":"12615808","_score":7.709511,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear FTC Employee, Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Phone XXXX I am writing this very concerning letter to inform you that for a around the last 28 months, I have become a victim of a data breach and cyber hacking, during which most of my personal and sensitive information, including but not limited to my Social Security number, date of birth, address, credit, medical records, financial accounts, emails and passwords, were compromised and exposed online and even utilized on the dark web. As a result of this breach, I have experienced incredibly significant challenges, including my inability to pay my bills/accounts and support my family. I do believe there have possibly been some and accounts involved with identity theft, which has subsequently led to significant accounts being sent to collections and negative items appearing on my credit report. \n\nAs a dedicated member of the XXXX XXXX  XXXX, this breach has directly had a great impact on my ability to serve my country and provide for my family. I am respectfully requesting your urgent assistance in figuring out the best direction to move forward. Also possibly removing and helping me resolve any inaccurate collection accounts or information connected to compromised information that may be reflected on my credit report as a result of this breach. Additionally, I would like to request the following : Investigation and Dispute : I am requesting all major credit bureaus to initiate an investigation into the accounts reported in collections after XX/XX/XXXX and remove any fraudulent charges or collections that resulted from the breach. I have enclosed copies of supporting documentation where applicable information. \nPlease understand that I became a member of the XXXX XXXX as a XXXX in the XXXX XXXX XXXXXXXX. I am trying to serve my country and provide things such as adequate housing for my wife and XXXX children while also focusing on this completely disheartening situation. \n\nNote : Although this is a complaint primarily concerning my credit report, and financial stability due to some type of online fraud and cyber-hacking. Please understand that my concerns also go far beyond just credit reporting. An example is I feel I was a victim of issues such as some type of online employment sabotaging. During this time, only my emails and replys for employment prospects would be automatically deleted from my hacked email, which kept me unemployed for an extended period of time. This was prior to entering the military. I could go on with numerous non-coincidental instances that seemed purposeful in keeping me form financially providing for my family. This subsequently caused a downward financial spiral seriously affecting my credit. I even tried doing rideshare deliveries such as XXXXXXXX XXXX. One of the most infuriating instances. I had my data deleted and passwords changed to my rideshare account while in the middle of delivering XXXXXXXX XXXX. ( While I was driving ). I did not do this. Which compromised and shut down my account and was an extreme safety hazard. I know that seems very random and absurd, but XXXX can verify the timing and truth of this information. The situation deleted my XXXX account changed all of my information in the middle of a delivery and did not allow me to continue to make deliveries, which subsequently cut off my finances to provide for my family and pay my bills and accounts. Its been a disgraceful and dark situation as a customer. Shady text messages and notifications have occurred ( without me even signing in with a new or pre-existing apple ID on a brand new XXXX ). I have contacted XXXX about this also. And this is why there are multiple XXXX XXXX accounts with XXXX and XXXXXXXX XXXX XXXX delinquent on me on all 3 of my credit reports. This was due to spending thousands of dollars on new devices which were compromised. I also have a major eviction due to all of this. As a service member I have to move with short notice and if needed, provide adequate housing for my family and myself. It seemed as if my phones were being tracked and compromised via my social security number which was found on the dark web. I have done moderate research about this situation online and have been instructed to reach out to the Federal Trade Commission, Consumer Financial Protection Bureau. XXXX XXXX Device Security and possibly on base XXXX XXXX & XXXXT legal professional for assistance. I have been dealing with this for about 2 years now. I have begun this process with reaching out to XXXX XXXX. \nI will give a few examples below in bullets of ( just a few accounts ) on my credit report that have severely impacted my life and the stability of my family due to what I believe may be identity theft, hacking and sensitive data compromise. \n\nXXXX XXXXXXXX XXXX XXXX This is an account with XXXX phone carrier. This account exists because my XXXX product through XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXX about this concern and am waiting on response. I will attach the letter that was sent to XXXX. I do have photos and a description below as proof of this compromise/data exposure being valid. \nXXXX XXXX XXXX XXXX This is an account with XXXX XXXX XXXX phone carrier. This account exists also because my XXXX product through XXXX XXXX XXXX phone carrier was compromised, and my personal sensitive data was compromised through my apple device. I was no longer able to use this service but was still required to pay. I have contacted XXXX XXXX and XXXXXXXX XXXX XXXX about this concern and am waiting for a response. I also have photos for this and a description below as proof of this compromised/data exposure being valid XXXX XXXXXXXX XXXX XXXX XXXX This is actually one of the most concerning accounts on my credit report due to the fact that this is a high amount eviction which can severely affect my ability to provide adequate housing for my wife and children. As many know, XXXX XXXX service members we do relocate frequently and have to provide adequate housing for ourselves and our dependents in a short period of time. \n\nI am deeply concerned about the potential long-term effects of this on my credit report and overall financial health. The past 28 months of my credit repair journey has been very hard to comprehend for me and stressful process to overcome. I have even made a very strong effort to settle and pay some of the debts that are in reason even though they were unjustly caused in my opinion. Ive even gotten some credit monitoring and dark web ssn monitoring which has helped minimally. I have also opened a few new accounts to try and repair my credit. I appreciate your attention to this matter and kindly request that you provide guidance on the next steps I need to take to resolve this matter.","date_sent_to_company":"2025-03-24T02:08:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"49006","tags":"Servicemember","has_narrative":true,"complaint_id":"12615808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-24T02:08:25.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["As a result of this breach, I have experienced incredibly significant challenges, including my inability to pay my bills/accounts and <em>support</em> my family. I do believe there have possibly been some and accounts involved with <em>identity</em> <em>theft</em>, which has subsequently led to significant accounts being sent to collections and negative items appearing on my credit report."]},"sort":[7.709511,"12615808"]},{"_index":"complaint-public-v1","_id":"14018989","_score":7.114418,"_source":{"product":"Checking or savings account","complaint_what_happened":"# COMPREHENSIVE REGULATORY COMPLAINT # # Chase Bank Criminal Enablement Causing Foreclosure Crisis Through Systematic Fraud * * Complainant : * * XXXX XXXX XXXX * * Primary Defendant : * * JPMorgan Chase Bank , N.A . \n* * Secondary Impact : * * XXXX XXXX ( XXXX XXXX XXXX ) * * Property Address : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * * Date : * * XX/XX/XXXX -- - # # * * EMERGENCY FORECLOSURE DEMAND * * * * CHASE BANK MUST ACT BY XX/XX/XXXX : * * Chase Bank 's criminal enablement has created a foreclosure emergency requiring immediate intervention : 1. * * RESTORE ALL STOLEN FUNDS * * ( {$22000.00} ) to prevent foreclosure 2. * * COMPENSATE XXXX XXXX * * for all fraud-related defaults and fees 3. * * EMERGENCY CREDIT REPAIR * * to restore mortgage payment capacity 4. * * DIRECT COMMUNICATION * * with XXXX XXXX acknowledging Chase 's fraud enablement 5. * * FORECLOSURE INTERVENTION * * - Chase must contact XXXX XXXX immediately to resolve the crisis their negligence created * * DEADLINE : * * XX/XX/XXXX - or face liability for foreclosure of {$520000.00} home due to Chase 's criminal negligence. \n\n-- - # # EXECUTIVE SUMMARY * * CHASE BANK IS THE PRIMARY CRIMINAL ENABLER * * of a {$22000.00} fraud operation that has cascaded into a foreclosure crisis. Chase 's systematic failures to detect obvious fraud, combined with bad faith claims handling, has created a direct causal chain leading to the threatened loss of my family home.\n\n* * Chase Bank 's Criminal Enterprise Enablement : * * - * * {$14000.00} * * in fake mortgage payments processed without verification - * * {$4800.00} * * in unauthorized ATM withdrawals through compromised phone - * * {$750.00} * * in fraudulent XXXX utility charges processed for months - * * {$1800.00} * * in stolen business funding - * * {$560.00} * * in clawback schemes stealing provisional credits - * * {$910.00} * * total in clawback theft ( {$350.00} + {$560.00} ) * * TOTAL CHASE-ENABLED THEFT : {$22000.00} * * * * Direct Consequence : * * Foreclosure deadline XX/XX/XXXX on {$520000.00} home due to fraud-induced payment disruptions. \n\n-- - # # PRIMARY REGULATORY VIOLATIONS - CHASE BANK # # # * * Bank Secrecy Act Violations ( 31 USC 5311 ) * * * * Systematic Anti-Money Laundering Failures : * * - * * Failed to file SARs * * for obvious $ XXXX organized fraud operation - * * No CTR reporting * * for structured criminal transactions - * * Enabled money laundering * * through fake mortgage payment processing - * * Ignored red flags * * including identical fake payments over 14+ months # # # * * Regulation E Violations ( 12 CFR 1005 ) * * * * Electronic Fund Transfer Act Violations : * * - * * Delayed fraud investigation * * beyond regulatory deadlines - * * Bad faith provisional credit clawbacks * * totaling {$910.00} - * * Failed to complete investigations * * within required timeframes - * * Systematic denial * * using identical language regardless of evidence # # # * * UDAAP Violations ( 12 USC 5531 ) * * * * Unfair, Deceptive, and Abusive Practices : * * * * UNFAIR : * * - Processing obvious fraud for 14+ months without detection - Clawing back provisional credits through bad faith investigations- Enabling criminal enterprise while denying victim relief * * DECEPTIVE : * * - * * Cookie-cutter denial letters : * * \" Transaction was authorized '' for obvious fraud - * * Form letter responses : * * \" No adjustment will be made '' regardless of evidence quality - * * False investigation claims : * * Using identical language suggests no individual review - * * Misrepresenting transaction legitimacy : * * Calling clear fraud \" authorized '' * * ABUSIVE : * * - Exploiting identity theft victim 's financial distress - Using identical denial language regardless of evidence quality - Enabling criminals while punishing victims # # # * * Fair Credit Reporting Act Violations ( 15 USC 1681 ) * * * * Inaccurate Credit Reporting : * * - Reporting fraud-induced NSF incidents as legitimate defaults - Failing to investigate credit report disputes- Continuing negative reporting during active fraud investigation -- - # # CHASE BANK 'S CRIMINAL ENTERPRISE ENABLEMENT # # # * * The {$14000.00} Fake Mortgage Payment Scheme * * * * Systematic Processing of Fraudulent Transactions : * * * * Pattern Analysis : * * - * * XX/XX/XXXX : * * {$2900.00} fake XXXX XXXX payment - * * XXXX XXXX XXXX * * Multiple {$2500.00} payments - * * XXXX XXXX : * * Continued processing of identical fake amounts - * * Total Fake Mortgage Payments : * * {$14000.00} * * Red Flags Chase Ignored : * * 1. * * Identical amounts * * repeated monthly for 14+ months 2. * * No mortgage account verification * * with actual servicer 3. * * Timing coincides * * with reported identity theft 4. * * Victim 's repeated fraud reports * * ignored 5. * * No payee verification * * for \" XXXX XXXX '' payments 6. * * Utility fraud pattern : * * Multiple unauthorized service signups and cancellations 7. * * Geographic impossibility : * * Utility services at addresses victim never lived 8. * * Service pattern abuse : * * Immediate cancellations by victim of all fraudulent services # # # * * The {$4800.00} ATM Fraud Operation * * * * Phone Cloning Enabled Systematic Theft : * * - * * Method : * * Criminals cloned phone to access banking apps- * * Pattern : * * Back-to-back ATM withdrawals not flagged by Chase - * * Amount : * * {$4800.00} in unauthorized cash withdrawals- * * Chase Failure : * * No velocity checks or geographic verification # # # * * The {$750.00} XXXX  Utility Fraud * * * * Chase Processed Months of Obvious Fraudulent Utility Services : * * * * Detailed XXXX Fraud Timeline : * * - * * XX/XX/XXXX : * * {$110.00} unauthorized service signup - * * XX/XX/XXXX : * * {$25.00} return fee when service canceled - * * XX/XX/XXXX : * * {$130.00} unauthorized service + {$25.00} return fee = {$150.00} - * * XX/XX/XXXX : * * {$130.00} return fee for canceled service - * * XX/XX/XXXX : * * {$130.00} unauthorized service activation - * * XX/XX/XXXX : * * {$130.00} final fraudulent charge - * * Total XXXX Fraud : * * {$750.00} * * Chase 's Criminal Facilitation of Utility Fraud : * * - * * Multiple utility services * * fraudulently signed up using victim 's identity - * * Return fees charged * * when victim canceled unauthorized services - * * Overlapping charges * * for services never requested - * * Chase provided {$560.00} provisional credit then STOLE IT BACK * * - * * No verification * * with XXXX that victim authorized services - * * Obvious fraud pattern * * ignored for months # # # * * The {$910.00} Clawback Theft Operation * * * * Chase 's Systematic Theft of Provisional Credits : * * - * * First Clawback : * * {$350.00} stolen from victim - * * Second Clawback : * * {$560.00} stolen after providing provisional credit - * * Method : * * Provide credits initially, then reverse through bad faith \" investigations '' - * * Result : * * Chase stole {$910.00} from identity theft victim # # # * * Chase 's Cookie-Cutter Denial Letters * * * * Identical Bad Faith Responses Regardless of Evidence : * * - * * Standard Language : * * \" Transaction was processed according to information you provided or was authorized '' - * * Universal Denial : * * \" No adjustment will be made '' - * * Bad Faith Pattern : * * Same denial language used for obvious fraud and legitimate transactions - * * Evidence Ignored : * * Detailed fraud documentation dismissed with form letters- * * Regulatory Violation : * * Failed to conduct individual investigations as required -- - # # CASCADING EFFECT : CHASE FRAUD FORECLOSURE CRISIS # # # * * Direct Causal Chain * * * * Chase 's negligence created a systematic chain of harm : * * 1. * * Chase Enables {$22000.00} Fraud * * Depletes victim 's financial resources 2. * * Genuine Mortgage Payments Intercepted * * Criminals redirect real payments while Chase processes fake ones 3. * * Payment Disruptions to XXXX XXXX * * NSF reversals when fraud-diverted payments fail 4. * * XXXX XXXX Penalties Accumulate * * Late fees and charges due to Chase-enabled fraud 5. * * Credit Destruction * * Chase reports fraud as legitimate, destroying creditworthiness 6. * * Foreclosure Threat * * XX/XX/XXXX deadline due to Chase 's fraud enablement # # # * * Current Foreclosure Crisis - Caused by Chase * * * * XXXX XXXX Account Status ( Loan # XXXX ) : * * - * * Amount Due : * * {$8600.00} ( fraud-related ) - * * Foreclosure Deadline : * * XX/XX/XXXX - * * Root Cause : * * Chase-enabled fraud depleted payment capacity - * * Chase Liability : * * Direct causation from criminal enablement to foreclosure -- - # # SPECIFIC CHASE VIOLATIONS BY REGULATION # # # * * BSA/AML Violations ( 31 USC 5311 , 12 CFR 21.21 ) * * * * REQUIRED : * * File SARs for suspicious activity patterns * * CHASE 'S VIOLATION : * * No SARs filed for $ XXXX organized fraud operation * * Evidence of Suspicious Activity : * * - Identical fraudulent amounts over 14+ months - Payments to non-existent mortgage servicer accounts- Structured transactions designed to avoid detection - Organized criminal operation using victim 's identity * * Penalty Exposure : * * Up to {>= $1,000,000} per violation ( 31 USC 5321 ) # # # * * Regulation E Violations ( 12 CFR 1005.11 ) * * * * ERROR RESOLUTION REQUIREMENTS : * * - 10 business day investigation deadline - Provisional credit within 1-2 business days - Written findings required * * CHASE 'S VIOLATIONS : * * - Extended investigations beyond regulatory deadlines- Clawed back provisional credits without proper basis - Failed to provide detailed investigation findings- Used identical denial language regardless of evidence - * * Particularly egregious : * * Processed utility fraud despite easy verification methods- * * Failed basic verification : * * Never confirmed victim lived at service addresses- * * Ignored cancellation pattern : * * Victim immediately canceled all fraudulent services # # # * * FCRA Section 623 ( 15 USC 1681s-2 ) * * * * FURNISHER ACCURACY REQUIREMENTS : * * * * CHASE 'S VIOLATIONS : * * - Reported fraud-induced NSF as legitimate defaults - Failed to investigate credit disputes properly - Continued negative reporting during fraud investigation - Refused to correct obviously inaccurate information -- - # # DAMAGES DIRECTLY CAUSED BY CHASE # # # * * Ongoing Financial Reconstruction * * * * Current Status : Certified Public Bookkeeper Analysis in Progress * * * * CRITICAL NOTE : * * A certified bookkeeper is currently conducting a comprehensive three-year financial reconstruction ( XXXX ) due to the extensive damage caused by Chase Bank 's fraud enablement. This process involves : - * * Recreating accurate financial records * * from Chase 's compromised/fraudulent transactions - * * Verifying legitimate vs. fraudulent transactions * * across 36+ months - * * Quantifying additional hidden damages * * not yet discovered - * * Documenting the full scope * * of Chase 's criminal facilitation - * * Estimated completion : * * 30-60 days due to complexity of Chase 's fraud enablement * * ANTICIPATED ADDITIONAL DAMAGES : * * Based on preliminary analysis, the bookkeeper expects to uncover : - Additional fraudulent transactions not yet identified - Hidden fees and charges resulting from fraud - Compounding interest and penalty calculations- Business accounting irregularities caused by payment disruptions- * * Potential total damages may EXCEED current {>= $1,000,000} estimate * * * * BURDEN ON VICTIM : * * Chase 's systematic fraud enablement has forced the victim to : - * * Hire professional accountant * * ( $ XXXX expense ) - * * Dedicate hundreds of hours * * to financial reconstruction - * * Recreate three years of records * * due to Chase 's contaminated data - * * All while facing XX/XX/XXXX foreclosure deadline * * * * SUPPLEMENTAL COMPLAINT FORTHCOMING : * * Upon completion of the financial reconstruction, a supplemental complaint will be filed documenting any additional damages discovered during the comprehensive analysis. \n\n# # # * * Chase 's Specific Liability for XXXX XXXX Crisis * * - * * Partial Claim Required : * * {$30000.00} due to fraud-induced defaults - * * Current Delinquency : * * {$8600.00} directly traceable to Chase fraud XXXX * * Late Fees/Penalties : * * Hundreds in fees from fraud-disrupted payments - * * Foreclosure Costs : * * All legal fees and costs from Chase-caused crisis # # # * * Punitive Damages Warranted * * Chase 's conduct demonstrates : - * * Willful blindness * * to obvious criminal activity - * * Bad faith * * in claims handling and investigation - * * Reckless disregard * * for customer safety and regulatory requirements- * * Criminal facilitation * * through systematic failures * * Total Damages : * * $ XXXX with punitive damages appropriate -- - # # EMERGENCY DEMANDS- XX/XX/XXXX DEADLINE # # # * * IMMEDIATE CHASE ACTIONS REQUIRED * * * * 1. EMERGENCY FUND RESTORATION ( By XX/XX/XXXX ) * * - Restore all {$22000.00} in stolen funds immediately - * * NEW ACCOUNT REQUIREMENT : * * Funds must be deposited into a completely new, secure account with no links to previously compromised accounts - * * Preferred client status * * with enhanced fraud protection and dedicated support - Wire transfer to prevent foreclosure deadline - * * Account security guarantee * * with advanced monitoring and alerts * * 2. XXXX XXXX INTERVENTION ( By XX/XX/XXXX ) * * - Direct communication with XXXX XXXX acknowledging Chase 's fraud enablement - Payment of all fraud-related fees, penalties, and charges to XXXX XXXX - Guarantee of mortgage account protection during fraud resolution * * 3. CREDIT REPAIR ( By XX/XX/XXXX ) * * - Emergency deletion of all fraud-related negative marks - Restoration of pre-fraud credit scores- Letter to all credit bureaus acknowledging Chase 's fraud enablement * * 4. REGULATORY COMPLIANCE * * - File required SARs for the $ XXXX criminal operation - Cooperate with law enforcement investigation - Implement enhanced fraud detection for similar cases - * * Establish new secure banking relationship * * with victim using fresh accounts and preferred client protections- * * Enhanced monitoring protocols * * for victim 's new accounts with dedicated fraud prevention team * * 5. VICTIM COMPENSATION * * - Full reimbursement for all cascading damages - Compensation for business losses caused by fraud - Payment of all legal and recovery expenses- * * Coverage of ongoing bookkeeper costs * * for 3-year financial reconstruction - * * Compensation for victim 's time * * spent recreating records due to Chase 's fraud - * * Reserve fund * * for additional damages being discovered in ongoing analysis - * * NEW SECURE BANKING RELATIONSHIP : * * All restitution funds placed in new accounts with no connection to compromised accounts - * * Preferred client designation * * with enhanced fraud protection, dedicated support team, and priority customer service # # # * * CONSEQUENCES OF CHASE INACTION * * * * If Chase fails to act by XX/XX/XXXX : * * - Full liability for foreclosure and loss of {$520000.00} home - Escalation to DOJ for criminal facilitation investigation - Class action exposure for systematic fraud enablement - Maximum regulatory penalties for BSA/AML violations -- - # # SUPPORTING EVIDENCE # # # * * Chase Fraud Documentation * * - Bank statements showing {$22000.00} in fraudulent transactions - * * Fraudulent utility bills and unauthorized service agreements : * * - XXXX service agreements victim never signed - Utility bills for services at addresses victim never lived - Documentation of victim canceling unauthorized services - Evidence of Chase processing payments for fraudulent utility accounts- * * Multiple identical denial letters using cookie-cutter language : * * - \" Transaction was authorized '' claims for obvious fraud - \" No adjustment will be made '' responses regardless of evidence - Same form letter responses for different fraud types- Evidence of provisional credit clawbacks totaling {$910.00} - Pattern analysis of systematic fraud processing over 14+ months - Documentation of Chase 's refusal to conduct individual investigations # # # * * Identity Theft Documentation * * - FTC Report # XXXX - Police Report - XXXX XXXXXXXX Police Department - XXXXXXXX Support Case # XXXX ( account hijacking confirmation ) - Technical evidence of device compromise and phone cloning # # # * * Foreclosure Documentation * * - XXXX XXXX demand letter with XX/XX/XXXX deadline - Payment history showing fraud-induced NSF reversals- Partial claim documentation ( {$30000.00} ) due to fraud # # # * * Business Impact Documentation * * - Financial statements showing business closure - Revenue loss calculations directly tied to fraud - Client loss documentation due to payment disruptions- * * ONGOING : * * Certified bookkeeper conducting 3-year financial reconstruction - * * Preliminary findings : * * Additional damages expected beyond current estimates - * * Professional analysis : * * Comprehensive accounting review of Chase 's fraud impact -- - # # REGULATORY PRECEDENT FOR CHASE LIABILITY # # # * * Similar CFPB Actions Against Chase * * - * * XXXX : * * {$380.00} XXXX penalty for credit card debt collection - * * XXXX : * * {$210.00} XXXX for credit card billing violations- * * XXXX : * * {$65.00} XXXX for unsafe practices during pandemic - * * Pattern : * * Chase repeatedly violates consumer protection laws # # # * * BSA/AML Enforcement Actions * * - * * XXXX XXXX ( XXXX ) : * * {$3.00} XXXX for AML failures- * * XXXXXXXX XXXXXXXX  ( XXXX ) : * * {$75.00} XXXX for BSA violations- * * XXXX ( XXXX ) : * * {$1.00} XXXX for money laundering facilitation * * Chase 's Exposure : * * $ XXXX organized crime facilitation warrants maximum penalties -- - # # CONCLUSION : CHASE BANK CRIMINAL LIABILITY Chase Bank is not merely negligent- they are * * criminal enablers * * who : 1. * * Facilitated organized crime * * through systematic fraud processing 2. * * Violated federal banking laws * * repeatedly and willfully 3. * * Stole from identity theft victims * * through clawback schemes 4. * * Created foreclosure crisis * * through fraud enablement 5. * * Ignored regulatory requirements * * for suspicious activity reporting * * This case demands : * * - * * Immediate foreclosure intervention * * by XX/XX/XXXX - * * Full victim restitution * * of all fraud and cascading damages - * * Criminal investigation * * of Chase 's role in facilitating organized crime - * * Maximum regulatory penalties * * for systematic violations - * * Industry-wide reforms * * to prevent similar victim abuse - * * Ongoing damage assessment * * as bookkeeper completes 3-year financial reconstruction * * ADDITIONAL DAMAGES EXPECTED : * * The current $ XXXX damage estimate represents only the damages discovered to date. A certified bookkeeper 's ongoing analysis of three years of Chase-contaminated financial records is expected to reveal additional substantial damages, requiring supplemental regulatory action. \n\nChase Bank has crossed the line from negligence to criminal facilitation. Their systematic enablement of a $ XXXX fraud operation while stealing provisional credits from the victim demands the full force of regulatory and criminal action. \n\n* * The XX/XX/XXXX foreclosure deadline makes this an emergency requiring immediate Chase intervention to prevent the loss of my family home due to their criminal enablement. * * -- - # # CONTACT INFORMATION * * Complainant : * * XXXX XXXX XXXX * * Address : * * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * * Phone : * * ( XXXX ) XXXX * * Landline : * * ( XXXX ) XXXX * * Email : * * XXXX * * Secondary : * * XXXX * * EMERGENCY FORECLOSURE DEADLINE : * * XX/XX/XXXX * * Chase Account Information : * * Available upon request * * XXXX XXXX Loan : * * # XXXXXXXX XXXX XXXX  * * Certification : * * I certify under penalty of perjury that the information in this complaint is true and accurate to the best of my knowledge and belief, and that Chase Bank 's criminal enablement has directly caused the foreclosure crisis threatening my family home. \n\n* * Signature : * * XXXX XXXX XXXX * * Date : * * XX/XX/XXXX * * URGENT ACTION REQUIRED BY XX/XX/XXXX * *","date_sent_to_company":"2025-06-12T00:00:31.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92307","tags":null,"has_narrative":true,"complaint_id":"14018989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-06-11T23:50:40.000Z","state":"CA","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["EMERGENCY FUND RESTORATION ( By XX/XX/XXXX ) * * - Restore all {$22000.00} in stolen funds immediately - * * NEW ACCOUNT REQUIREMENT : * * Funds must be deposited into a completely new, secure account with no links to previously compromised accounts - * * Preferred client status * * with enhanced fraud <em>protection</em> and <em>dedicated</em> <em>support</em> - Wire transfer to prevent foreclosure deadline - * * Account security guarantee * * with advanced monitoring and alerts * * 2."]},"sort":[7.114418,"14018989"]},{"_index":"complaint-public-v1","_id":"14284555","_score":5.109833,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXXXXXX XXXX XXXX XXXXXXXX Litonia, GA XXXX Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear CFPB, FTC, and Credit Bureaus, I am writing to file a formal complaint against all three credit reporting agencies regarding identity theft. In XX/XX/XXXX, after discovering my identity had been stolen, I contacted all three credit reporting agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and filed a police report. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking fraud, I recognize the type of theft committed against me as synthetic identity theft or synthetic fraud. This form of identity theft involves fraudsters making minimum payments to gain more credit before eventually defaulting.\n\nI was severely injured with a XXXX XXXX, XXXX, ribs, and a XXXX XXXX XXXX, which resulted in two years of hospitalization for therapy, followed by an additional year due to XXXX, further surgeries, and therapy. Currently, I am still hospitalized with no set release date, which has significantly hindered my ability to communicate with the credit reporting agencies, as they only correspond by mail. Although I offered my medical information to them, they declined due to HIPAA. However, to prove my whereabouts for the past three years and resolve this nightmare, I am willing to provide your agency with access to my medical file. \n\nFurthermore, I can provide proof that my mail was compromised, including a letter from my bank stating that unknown individuals attempted to access my account from my cell phone number. The bank placed them on hold when they could not verify my password. They tried to reach me, but I was in the XXXX  at the time. My account was subsequently put on hold until I could speak with the bank and visit in person with my identification. My local branch, where I am well-known, can confirm the attempted identity theft on my account. My account was also linked for automatic payments on these fraudulent accounts, leading me to believe the two ladies hired to assist me for medical reasons had access to my address for the purpose of entering and cleaning. My home is equipped with 18 cameras that record 24/7, but footage must be backed up within seven days to avoid being recorded over.\n\n1. The account for XXXX XXXX XXXX has two different amounts listed on each report. ( XXXX ) They failed to validate the debt as requested in XXXX, and the original creditor failed to validate the dispute and the debt 2. XXXX XXXX XXXX XXXX failed to validate the debt for the XXXX XXXX, and the original creditor failed as well. XXXX  was removed from Trans Union but remains on the other agencies, with a threat to add it back onto TransUnion by the collection agency 3. XXXX XXXX and XXXX were opened by the same company. The collection agency failed to respond, and the original creditor failed to properly respond timely manner and based their findings on personal beliefs. \n4. My account with XXXX and XXXX  XXXX XXXX is the only account that belongs to me. XXXX  is not accurate for the three late payments. I spoke with them several times and have the recording with them stating it will be updated as pays as agree. My bank stopped the automatic payments after my account was flagged by the fraud department. It was money that ahd accumulated on XXXX ( for my XXXX XXXX XXXX ) that would have cleared the ayments. I was told not to worry because they cover me for ninety days.\n\n5. I am being penalized by the bureaus and they are accepting whatever creditors and collection agencies say with no valid information. None of the creditors original creditors or the collection agencies had provided me with validation of the debts or the 623 dispute and validation pursuant to the FCRA. I am also locked out of all my accounts oline and can not upload anything.\n\n6. Synthetic Identity Theft : 7. .Opens in new tab 8. This is a specific form of identity theft where fraudsters create a new identity by blending real and fabricated information.\n\n9.\n\n10. \" Clean '' Credit Building : 11. .Opens in new tab 12. The fraudsters may initially make small purchases and pay them off on time to establish a good credit score and build trust with the financial system.\n\n13.\n\n14. Defaulting on Larger Loans : 15. .Opens in new tab 16. Once a good credit history is established, the fraudsters will then attempt to obtain larger loans or credit lines, which they often default on, causing significant financial losses.\n\n17. This type of fraud is difficult to detect because it involves a combination of real and fake information, making it harder to trace back to a single individual.\n\n18. Other terms related to this type of fraud include : 19. Account Takeover : 20. .Opens in new tab 21. While this term refers to gaining control of an existing account, it can also be part of synthetic identity theft if the fraudulent account is created from scratch using a stolen identity.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic identity theft.\n\n25. Address Fraud : This specific type of identity theft leverages the victim 's address for illegal activities. Examples include mail forwarding fraud, where mail is redirected to the fraudster, package interception after goods are ordered online with stolen credit card details, and using the address to open accounts or obtain credit in the victim 's name.\n\n26. Opening New Accounts or Making Purchases : Using the victim 's information to apply for credit cards, bank accounts, or loans, and potentially intercepting related mail.\n\n27. Other Schemes : The address can be used in various fraud schemes, such as bank account fraud, school enrollment fraud, or insurance fraud.\n\n28. Warning signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar accounts or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for unknown accounts or loans.\n\n33. Unauthorized inquiries or new accounts on your credit report linked to your address.\n\n34. Lack of dedicated resources : White-collar crimes, including fraud, have historically received less attention and resources compared to violent crimes within victim advocacy and law enforcement.\n\n35. Victim vulnerability : handicap individuals, often targeted in financial fraud, who is barely home, and underreport their victimization.\n\nReasons Fraudulent Accounts Might Be Misidentified as Valid : Sophistication of Fraud Schemes : Modern fraud methods, such as synthetic identity theft, can be incredibly complex and difficult for investigators to detect.\n\nData Limitations and Inconsistencies : Lack of complete and accurate fraud data can make it hard to identify the total extent of fraudulent activity.\n\nAdministrative Errors : Processes for tracking and reporting fraud may have limitations, potentially leading to errors or delays in recognizing fraudulent accounts.\n\nConsequences for Victims : Financial Loss : Victims may face financial losses due to fraudulent transactions and damage to their credit history.\n\nEmotional and Psychological Distress : Victims often experience XXXX, XXXX, XXXX, and a sense of violation when their identity is compromised. \nDifficulties in Resolution : Correcting fraudulent accounts can be a challenging and time-consuming process.\n\nDebt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as \" validation information ''.\n\nTimeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer.\n\nConsequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.\n\nCFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes.\n\nConsumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.\n\n15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer XXXX XXXX provided me a copy of the validation they claimed they sent on XX/XX/XXXX, which is not sufficient. Even if they allege they mailed it bills alone is not sufficient to validate the debt, which is probably why it was removed from once report. \nWhile copies of credit card billing statements can be a component of debt validation, they alone may not be sufficient to fulfill the requirements for validating a debt under the Fair Debt Collection Practices Act ( FDCPA ).\n\nWhat constitutes valid debt validation?\n\nDebt validation involves a debt collector providing clear and accurate documentation to prove that you owe a specific debt and they have the legal right to collect it. According to the FDCPA and related regulations, this documentation generally includes : A copy of the original credit agreement : This could be the original credit card agreement signed by you.\n\nDocumentation showing the collector 's right to pursue the debt : If the debt has been sold, this would include records demonstrating the chain of ownership.\n\nA detailed accounting of the total amount owed : This includes the original debt amount, interest, fees, payments, and credits since a specific date ( the \" itemization date '' ).\n\nDuty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.21 The person must then provide corrected information and ensure it does not refurnish the incomplete or inaccurate information.\n\nDuty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information.22 Duty to Provide Notice of Accounts Closed Voluntarily. A person who regularly furnishes information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.23 This notice must be included in the information regularly furnished for the period in which the account is closed.\n\nDuty to Provide Dates of Delinquency. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.24 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action.25 Duty to Prevent Repollution of Consumer Reports. If a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher must not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.26 In addition, furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs relating to information that results from identify theft to prevent refurnishing this information.\n\nDuty to Provide the Customer with a Notice about Negative Information Duty to Provide a Notice to the Customer. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a credit extension, the financial institution must provide a clear and conspicuous written notice to the customer indicating that it furnished negative information to the CRAs.27 The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.28 Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. After providing the notice, the financial institution is not required to send the customer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or customer.29 Format of Notice. The notice generally may be included on or with any notice of default, any billing statement, or any other materials provided to the customers ; however, if the notice is provided to the customer prior to furnishing the negative information to a CRA, the notice may not be included in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.30 Two model forms ( Model Notices of Furnishing Negative Information ) are available in Appendix B of Regulation V.31 Although use of the model forms is not required, a financial institution is deemed to comply with the requirements if it uses one of the model forms.32 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35 Regulation V requires that the furnishers policies and procedures be appropriate to the nature, size, complexity, and scope of its activities.36 In developing the policies and procedures, a furnisher must consider the Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies found in Appendix E of Regulation V ( Interagency Guidelines ), and incorporate those guidelines, as appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.\n\nThe Interagency Guidelines include : Using standard data reporting formats and standard procedures for compiling and furnishing data, where feasible, such as electronic transmission of information about consumers to CRAs ; Deleting, updating, and correcting information in the furnishers records, as appropriate, to avoid furnishing inaccurate information ; Conducting reasonable investigations of disputes ; Establishing and implementing appropriate internal controls regarding the accuracy and integrity of information about consumers furnished to CRAs, such as by implementing standard procedures and verifying random samples of information provided to CRAs ; and Training staff that participates in activities related to the furnishing of information about consumers to CRAs.37 Duty to Investigate Disputes Filed Directly with the Furnisher The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ) .38 Covered Disputes. A furnisher is required to investigate if the dispute relates to : The consumers liability for a credit account or other debt with the furnisher ; The terms of a credit account or other debt with the furnisher ; The consumers performance or other conduct concerning an account or other relationship with the furnisher ; or Any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.39 The direct dispute rule does not apply if the dispute relates to the consumers identifying information, the identity of past or present employers, or inquiries or requests for a consumer report. It also does not apply to disputes relating to information that is derived from public records, provided to a CRA by another furnisher, or related to fraud alerts or active duty alerts.40 Finally, the rule does not apply if the furnisher has a reasonable belief that the direct dispute is submitted by a credit repair organization, is prepared on behalf of the consumer by a credit repair organization, or is submitted on a form supplied to the consumer by a credit repair organization.41 Consumers Obligation to Submit a Proper Notice of Dispute. A furnisher is required to investigate the dispute only if the consumer submitted the dispute notice to one of the following addresses : An address the furnisher provided that is listed on the consumer report ; An address the furnisher clearly and conspicuously identified for submitting direct disputes that is provided to the consumer in writing or, if the consumer agrees, electronically ; or If no address is specified, any business address of the furnisher.42 Moreover, the consumers dispute notice must include : Sufficient information to identify the account or other relationship in dispute ; The specific information being disputed ; An explanation of the basis for the dispute ; and All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute.43 Furnishers Duty to Investigate. Upon receiving a consumers proper notice of dispute, the furnisher must conduct a reasonable investigation of the dispute.44 The furnisher also must review all relevant information provided by the consumer with the dispute notice.\n\nThe furnisher has 30 days from the receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.45 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.46 Exception for Frivolous or Irrelevant Disputes. A furnisher is not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.47 Under Regulation V, a dispute is frivolous or irrelevant if the dispute notice ( 1 ) does not contain sufficient information to investigate the dispute, ( 2 ) raises a dispute about information exempted from the rule, or ( 3 ) raises a dispute that is substantially the same as a dispute previously submitted by the consumer and resolved in accordance with the regulations. If the furnisher determines that a dispute is frivolous or irrelevant, the furnisher has five business days to notify the consumer of its determination. The notice must include the reasons for the determination and identify any information required to investigate the disputed information.\n\nDuty to Investigate Disputes Filed with CRAs The FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided.48 More specifically, when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA , the furnisher must investigate the disputed information, review all relevant information the CRA provided, and report the results of its investigation to the CRA.49 If the furnisher determines the information it provided was incomplete or inaccurate, the furnisher must notify all nationwide CRAs to which the information was furnished of its findings.50 Finally, if the furnisher determines the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.51 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.52 EQUAL CREDIT OPPORTUNITY ACT/REGULATION B Regulation B, which implements the ECOA, imposes certain obligations on creditors that furnish credit information to CRAs.53 In addition, Regulation B prohibits discrimination on a prohibited basis regarding any aspect of a\ncredit transaction.54 At the federal level, the Board, FDIC, OCC, and NCUA have supervisory authority for ECOA and Regulation B for depository institutions with assets of {$10.00} XXXX or less.55 For depository institutions with assets over {$10.00} XXXX, the Bureau has this authority. Also, if any of these agencies has reason to believe that the creditor engaged in a pattern or practice of discrimination, then the agency must refer the matter to the U.S. Department of Justice.56 The Board has referred one matter involving discrimination on the basis of sex and marital status in credit reporting.57 In this matter, the creditor failed to provide information to CRAs about the payment history of spouses ( almost all of whom were women ) who were contractually obligated on the note.\n\nIn addition to the federal regulators, private plaintiffs have the right to file lawsuits under the ECOA.58 Violations of Regulation B can subject creditors to civil liability for actual and punitive damages in individual and class actions.59 If a furnisher fails to comply with the regulation because of an inadvertent error, there is no violation.60 The term inadvertent error means a mechanical, electronic, or clerical error that a creditor demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted to avoid such errors,61 but it does not include an error of legal judgment.62 Upon discovering the error, the furnisher must correct it as soon as possible.\n\nCoverage Regulation B applies to a creditor, which is broadly defined to mean a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit.63 The Official Staff Commentary to the regulation clarifies that the furnisher requirements only apply to consumer credit.64 Moreover, they apply only to creditors that opt to furnish credit information to CRAs or to other creditors ; a creditor is not required to furnish credit information on its accounts.\n\nDuties for Accounts Held or Used by Spouses Section 1002.10 of Regulation B imposes three obligations on creditors furnishing consumer credit information to the CRAs for accounts held or used by spouses.\n\nFirst, a creditor must designate accounts to reflect both spouses participation in the accounts in the following circumstances : For new accounts, when the spouse is an authorized user or is contractually liable on the account ( except as a guarantor, surety, endorser, or similar party ) ; and For existing accounts, when one of the spouses makes a written request to reflect both spouses participation on the account. In this situation, the furnisher must change the designation on the account within 90 days after receiving the written request.65 Second, when an account is designated to reflect the participation of both spouses, the creditor must furnish the information to the CRAs in a way that enables the CRAs to provide access to the information in the name of each spouse.66 Finally, if a creditor receives an inquiry about an account that reflects both spouses participating, the creditor must furnish the information in the name of the spouse for whom the information is requested.67 For example, if the inquiry concerns an account on which a husband and wife both participate, and the inquiry specifically is about the wife, the creditor must provide the information in the wifes name.\n\nProhibition on Discrimination In addition to the specific furnisher provisions, Regulation B broadly prohibits creditors from discriminating in any aspect of the credit transaction on any prohibited basis.68 The term credit transaction includes the furnishing of credit information.69 The term prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the applicants receipt of income, in whole or part, from any public assistance program ; or the applicants exercise in good faith of a right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the [ Bureau ] .70 This general rule covers, for example, the administration of accounts and the treatment of delinquent or slow accounts.71 CONCLUSION Credit reports play an important role for consumers and creditors. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports. Financial institutions that furnish information to the CRAs should have adequate policies and procedures in place to ensure that they are complying with these requirements, including procedures to periodically test systems to verify compliance. Compliance with the credit reporting laws can promote fair and efficient access to credit, benefiting consumers and creditors alike. Specific questions should be addressed to your primary regulator.\n\nENDNOTES 1 Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., implemented in part by Regulation V, 12 C.F.R. Part 1022. Most of the furnisher requirements discussed in this article under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) do not have implementing regulations, so furnishers must focus on the statutory requirements.\n\n2 Equal Credit Reporting Act, 15 U.S.C. 1691 et seq., implemented by Regulation B, 12 C.F.R. Part 1002. In addition, under the ECOA, Regulation B ( 12 C.F.R. 1002.9 ), and the FCRA ( 15 U.S.C. 1681m ), consumers and businesses applying for credit must be provided notice of the reasons a creditor took adverse action on the application or on an existing credit account in certain circumstances.\n\n3 Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136, 134 Stat. 281 ( March 27, 2020 ).\n\n4 Section 4021 of the CARES Act amended Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ).\n\n5 Kenneth Benton and Casey McHugh, Federal Reserve Bank of Philadelphia , Furnishers Compliance Obligations for Consumer Credit Information under the FCRA and ECOA, Consumer Compliance Outlook ( Second Quarter 2012 ).\n\n6 See 15 U.S.C. 1681s ( b ), 1681s-2 ( d ).\n\n7 See 15 U.S.C. 1681s ( c ), 1681s-2 ( d ).\n\n8 See 15 U.S.C. 1681s-2 ( c ).\n\n9 See 15 U.S.C. 1681a ( b ).\n\n10 See 15 U.S.C. 1681a ( c ).\n\n11 See 15 U.S.C. 1681a ( f ).\n\n12 See 12 C.F.R. 1022.41 ( c ). An entity is not a furnisher when it : ( 1 ) provides information to a consumer reporting agency solely to obtain a consumer report in accordance with Sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) is acting as a consumer reporting agency as defined in Section 603 ( f ) of the FCRA ; ( 3 ) is a consumer to whom the furnished information pertains; or ( 4 ) is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumers character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.\n\n13 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), as added by Section 4021 of the CARES Act.\n\n14 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ).\n\n15 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). Under the National Emergencies Act, an emergency declaration will automatically terminate on the one-year anniversary of the declaration if the President does not extend it during the 90-day period before the anniversary. 50 U.S.C. 1622 ( d ). An emergency declaration can also be terminated by a joint resolution of Congress enacted into law or by a Presidential proclamation. 50 U.S.C. 1622 ( a ).\n\n16 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( iii ).\n\n17 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( ii ).\n\n18 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). FCRA does not require a person to specify an address for receipt of notices from consumers concerning inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ).\n\n19 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).\n\n20 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ).\n\n21 See 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ).\n\n22 See 15 U.S.C. 1681s-2 ( a ) ( 3 ).\n\n23 See 15 U.S.C. 1681s-2 ( a ) ( 4 ).\n\n24 See 15 U.S.C. 1681s-2 ( a ) ( 5 ).\n\n25 See 15 U.S.C. 1681c ( a ).\n\n26 See 15 U.S.C. 1681s-2 ( a ) ( 6 ).\n\n27 See 15 U.S.C. 1681s-2 ( a ) ( 7 ).\n\n28 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( i ).\n\n29 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) - ( B ).\n\n30 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( ii ) and ( C ) ( i ).\n\n31 See 12 C.F.R. Part 1022, Appendix B Model Notices of Furnishing Negative Information.\n\n32 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( D ).\n\n33 See 12 C.F.R. 1022.42. The FCRA requires the Bureau to establish and maintain guidelines for furnishers regarding the accuracy","date_sent_to_company":"2025-08-08T15:56:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"14284555","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T21:49:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["While this term refers to gaining control of an existing account, it can also be part of synthetic <em>identity</em> <em>theft</em> if the fraudulent account is created from scratch using a stolen <em>identity</em>.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic <em>identity</em> <em>theft</em>.\n\n25. Address Fraud : This specific type of <em>identity</em> <em>theft</em> leverages the victim 's address for illegal activities."]},"sort":[5.109833,"14284555"]},{"_index":"complaint-public-v1","_id":"14284554","_score":5.109833,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXXXXXX XXXX XXXX XXXXXXXX Litonia, GA XXXX Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear CFPB, FTC, and Credit Bureaus, I am writing to file a formal complaint against all three credit reporting agencies regarding identity theft. In XX/XX/XXXX, after discovering my identity had been stolen, I contacted all three credit reporting agencies, the original creditors, and the collection agencies. I also placed a freeze on my credit accounts and filed a police report. \n\nWith nearly 30 years of experience as a private investigator, primarily tracking fraud, I recognize the type of theft committed against me as synthetic identity theft or synthetic fraud. This form of identity theft involves fraudsters making minimum payments to gain more credit before eventually defaulting.\n\nI was severely injured with a XXXX XXXX, XXXX, ribs, and a XXXX XXXX XXXX, which resulted in two years of hospitalization for therapy, followed by an additional year due to XXXX, further surgeries, and therapy. Currently, I am still hospitalized with no set release date, which has significantly hindered my ability to communicate with the credit reporting agencies, as they only correspond by mail. Although I offered my medical information to them, they declined due to HIPAA. However, to prove my whereabouts for the past three years and resolve this nightmare, I am willing to provide your agency with access to my medical file. \n\nFurthermore, I can provide proof that my mail was compromised, including a letter from my bank stating that unknown individuals attempted to access my account from my cell phone number. The bank placed them on hold when they could not verify my password. They tried to reach me, but I was in the XXXX  at the time. My account was subsequently put on hold until I could speak with the bank and visit in person with my identification. My local branch, where I am well-known, can confirm the attempted identity theft on my account. My account was also linked for automatic payments on these fraudulent accounts, leading me to believe the two ladies hired to assist me for medical reasons had access to my address for the purpose of entering and cleaning. My home is equipped with 18 cameras that record 24/7, but footage must be backed up within seven days to avoid being recorded over.\n\n1. The account for XXXX XXXX XXXX has two different amounts listed on each report. ( XXXX ) They failed to validate the debt as requested in XXXX, and the original creditor failed to validate the dispute and the debt 2. XXXX XXXX XXXX XXXX failed to validate the debt for the XXXX XXXX, and the original creditor failed as well. XXXX  was removed from Trans Union but remains on the other agencies, with a threat to add it back onto TransUnion by the collection agency 3. XXXX XXXX and XXXX were opened by the same company. The collection agency failed to respond, and the original creditor failed to properly respond timely manner and based their findings on personal beliefs. \n4. My account with XXXX and XXXX  XXXX XXXX is the only account that belongs to me. XXXX  is not accurate for the three late payments. I spoke with them several times and have the recording with them stating it will be updated as pays as agree. My bank stopped the automatic payments after my account was flagged by the fraud department. It was money that ahd accumulated on XXXX ( for my XXXX XXXX XXXX ) that would have cleared the ayments. I was told not to worry because they cover me for ninety days.\n\n5. I am being penalized by the bureaus and they are accepting whatever creditors and collection agencies say with no valid information. None of the creditors original creditors or the collection agencies had provided me with validation of the debts or the 623 dispute and validation pursuant to the FCRA. I am also locked out of all my accounts oline and can not upload anything.\n\n6. Synthetic Identity Theft : 7. .Opens in new tab 8. This is a specific form of identity theft where fraudsters create a new identity by blending real and fabricated information.\n\n9.\n\n10. \" Clean '' Credit Building : 11. .Opens in new tab 12. The fraudsters may initially make small purchases and pay them off on time to establish a good credit score and build trust with the financial system.\n\n13.\n\n14. Defaulting on Larger Loans : 15. .Opens in new tab 16. Once a good credit history is established, the fraudsters will then attempt to obtain larger loans or credit lines, which they often default on, causing significant financial losses.\n\n17. This type of fraud is difficult to detect because it involves a combination of real and fake information, making it harder to trace back to a single individual.\n\n18. Other terms related to this type of fraud include : 19. Account Takeover : 20. .Opens in new tab 21. While this term refers to gaining control of an existing account, it can also be part of synthetic identity theft if the fraudulent account is created from scratch using a stolen identity.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic identity theft.\n\n25. Address Fraud : This specific type of identity theft leverages the victim 's address for illegal activities. Examples include mail forwarding fraud, where mail is redirected to the fraudster, package interception after goods are ordered online with stolen credit card details, and using the address to open accounts or obtain credit in the victim 's name.\n\n26. Opening New Accounts or Making Purchases : Using the victim 's information to apply for credit cards, bank accounts, or loans, and potentially intercepting related mail.\n\n27. Other Schemes : The address can be used in various fraud schemes, such as bank account fraud, school enrollment fraud, or insurance fraud.\n\n28. Warning signs of address fraud or identity theft : 29. Receiving mail or packages not intended for you.\n\n30. Finding unfamiliar accounts or charges on your financial statements or credit report.\n\n31. Missing or tampered mail.\n\n32. Receiving debt collection notices for unknown accounts or loans.\n\n33. Unauthorized inquiries or new accounts on your credit report linked to your address.\n\n34. Lack of dedicated resources : White-collar crimes, including fraud, have historically received less attention and resources compared to violent crimes within victim advocacy and law enforcement.\n\n35. Victim vulnerability : handicap individuals, often targeted in financial fraud, who is barely home, and underreport their victimization.\n\nReasons Fraudulent Accounts Might Be Misidentified as Valid : Sophistication of Fraud Schemes : Modern fraud methods, such as synthetic identity theft, can be incredibly complex and difficult for investigators to detect.\n\nData Limitations and Inconsistencies : Lack of complete and accurate fraud data can make it hard to identify the total extent of fraudulent activity.\n\nAdministrative Errors : Processes for tracking and reporting fraud may have limitations, potentially leading to errors or delays in recognizing fraudulent accounts.\n\nConsequences for Victims : Financial Loss : Victims may face financial losses due to fraudulent transactions and damage to their credit history.\n\nEmotional and Psychological Distress : Victims often experience XXXX, XXXX, XXXX, and a sense of violation when their identity is compromised. \nDifficulties in Resolution : Correcting fraudulent accounts can be a challenging and time-consuming process.\n\nDebt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as \" validation information ''.\n\nTimeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer.\n\nConsequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.\n\nCFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes.\n\nConsumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.\n\n15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer XXXX XXXX provided me a copy of the validation they claimed they sent on XX/XX/XXXX, which is not sufficient. Even if they allege they mailed it bills alone is not sufficient to validate the debt, which is probably why it was removed from once report. \nWhile copies of credit card billing statements can be a component of debt validation, they alone may not be sufficient to fulfill the requirements for validating a debt under the Fair Debt Collection Practices Act ( FDCPA ).\n\nWhat constitutes valid debt validation?\n\nDebt validation involves a debt collector providing clear and accurate documentation to prove that you owe a specific debt and they have the legal right to collect it. According to the FDCPA and related regulations, this documentation generally includes : A copy of the original credit agreement : This could be the original credit card agreement signed by you.\n\nDocumentation showing the collector 's right to pursue the debt : If the debt has been sold, this would include records demonstrating the chain of ownership.\n\nA detailed accounting of the total amount owed : This includes the original debt amount, interest, fees, payments, and credits since a specific date ( the \" itemization date '' ).\n\nDuty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20 Duty to Promptly Correct and Update Information. Section 623 ( a ) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.21 The person must then provide corrected information and ensure it does not refurnish the incomplete or inaccurate information.\n\nDuty to Provide Notice of Dispute. If a consumer disputes the completeness or accuracy of furnished information, the furnisher must provide a notice of the dispute to the CRAs when furnishing the disputed information.22 Duty to Provide Notice of Accounts Closed Voluntarily. A person who regularly furnishes information to CRAs must notify the CRAs when a consumer voluntarily closes a credit account.23 This notice must be included in the information regularly furnished for the period in which the account is closed.\n\nDuty to Provide Dates of Delinquency. When an account is placed for collection, is charged to profit or loss, or a similar action is taken, and that delinquency is furnished to a CRA, the furnisher must notify the CRA of the date of delinquency on the account no later than 90 days after furnishing the information.24 This date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action.25 Duty to Prevent Repollution of Consumer Reports. If a consumer submits an identity theft report to a furnisher indicating that furnished information resulted from identity theft, the furnisher must not report the information to the CRAs unless the furnisher subsequently knows or is informed by the consumer that the information is correct.26 In addition, furnishers are required to maintain reasonable procedures to respond to notifications from the CRAs relating to information that results from identify theft to prevent refurnishing this information.\n\nDuty to Provide the Customer with a Notice about Negative Information Duty to Provide a Notice to the Customer. If a financial institution that extends credit and regularly furnishes information to a nationwide CRA furnishes negative information to the CRAs about a credit extension, the financial institution must provide a clear and conspicuous written notice to the customer indicating that it furnished negative information to the CRAs.27 The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.28 Timing of Notice. The financial institution must provide the notice to the customer no later than 30 days after furnishing the negative information to a CRA. After providing the notice, the financial institution is not required to send the customer additional notices if it furnishes additional negative information to the CRAs about the same transaction, credit extension, account, or customer.29 Format of Notice. The notice generally may be included on or with any notice of default, any billing statement, or any other materials provided to the customers ; however, if the notice is provided to the customer prior to furnishing the negative information to a CRA, the notice may not be included in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.30 Two model forms ( Model Notices of Furnishing Negative Information ) are available in Appendix B of Regulation V.31 Although use of the model forms is not required, a financial institution is deemed to comply with the requirements if it uses one of the model forms.32 Duty to Implement Reasonable Policies and Procedures Regulation V requires furnishers to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the consumer information furnished to CRAs.33 Accuracy means that the information the furnisher provides to a CRA correctly : Identifies the appropriate consumer ; Reflects the accounts terms and liability ; and Reflects the consumers performance with respect to the account.34 Integrity means the information the furnisher provides to a CRA : Is substantiated by the furnishers records at the time it is furnished ; Is in a form designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; Includes the information in the furnishers possession regarding the credit limit, if applicable ; and Includes any other information in the furnishers possession that the Bureau has determined the absence of which would likely be materially misleading in evaluating a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.35 Regulation V requires that the furnishers policies and procedures be appropriate to the nature, size, complexity, and scope of its activities.36 In developing the policies and procedures, a furnisher must consider the Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies found in Appendix E of Regulation V ( Interagency Guidelines ), and incorporate those guidelines, as appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness.\n\nThe Interagency Guidelines include : Using standard data reporting formats and standard procedures for compiling and furnishing data, where feasible, such as electronic transmission of information about consumers to CRAs ; Deleting, updating, and correcting information in the furnishers records, as appropriate, to avoid furnishing inaccurate information ; Conducting reasonable investigations of disputes ; Establishing and implementing appropriate internal controls regarding the accuracy and integrity of information about consumers furnished to CRAs, such as by implementing standard procedures and verifying random samples of information provided to CRAs ; and Training staff that participates in activities related to the furnishing of information about consumers to CRAs.37 Duty to Investigate Disputes Filed Directly with the Furnisher The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer ( direct dispute ) .38 Covered Disputes. A furnisher is required to investigate if the dispute relates to : The consumers liability for a credit account or other debt with the furnisher ; The terms of a credit account or other debt with the furnisher ; The consumers performance or other conduct concerning an account or other relationship with the furnisher ; or Any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.39 The direct dispute rule does not apply if the dispute relates to the consumers identifying information, the identity of past or present employers, or inquiries or requests for a consumer report. It also does not apply to disputes relating to information that is derived from public records, provided to a CRA by another furnisher, or related to fraud alerts or active duty alerts.40 Finally, the rule does not apply if the furnisher has a reasonable belief that the direct dispute is submitted by a credit repair organization, is prepared on behalf of the consumer by a credit repair organization, or is submitted on a form supplied to the consumer by a credit repair organization.41 Consumers Obligation to Submit a Proper Notice of Dispute. A furnisher is required to investigate the dispute only if the consumer submitted the dispute notice to one of the following addresses : An address the furnisher provided that is listed on the consumer report ; An address the furnisher clearly and conspicuously identified for submitting direct disputes that is provided to the consumer in writing or, if the consumer agrees, electronically ; or If no address is specified, any business address of the furnisher.42 Moreover, the consumers dispute notice must include : Sufficient information to identify the account or other relationship in dispute ; The specific information being disputed ; An explanation of the basis for the dispute ; and All supporting documentation reasonably required by the furnisher to substantiate the basis of the dispute.43 Furnishers Duty to Investigate. Upon receiving a consumers proper notice of dispute, the furnisher must conduct a reasonable investigation of the dispute.44 The furnisher also must review all relevant information provided by the consumer with the dispute notice.\n\nThe furnisher has 30 days from the receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.45 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.46 Exception for Frivolous or Irrelevant Disputes. A furnisher is not required to investigate a direct dispute if the furnisher has reasonably determined that the dispute is frivolous or irrelevant.47 Under Regulation V, a dispute is frivolous or irrelevant if the dispute notice ( 1 ) does not contain sufficient information to investigate the dispute, ( 2 ) raises a dispute about information exempted from the rule, or ( 3 ) raises a dispute that is substantially the same as a dispute previously submitted by the consumer and resolved in accordance with the regulations. If the furnisher determines that a dispute is frivolous or irrelevant, the furnisher has five business days to notify the consumer of its determination. The notice must include the reasons for the determination and identify any information required to investigate the disputed information.\n\nDuty to Investigate Disputes Filed with CRAs The FCRA requires furnishers to investigate consumer disputes filed with the CRAs about information the furnishers provided.48 More specifically, when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA , the furnisher must investigate the disputed information, review all relevant information the CRA provided, and report the results of its investigation to the CRA.49 If the furnisher determines the information it provided was incomplete or inaccurate, the furnisher must notify all nationwide CRAs to which the information was furnished of its findings.50 Finally, if the furnisher determines the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information.51 The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.52 EQUAL CREDIT OPPORTUNITY ACT/REGULATION B Regulation B, which implements the ECOA, imposes certain obligations on creditors that furnish credit information to CRAs.53 In addition, Regulation B prohibits discrimination on a prohibited basis regarding any aspect of a\ncredit transaction.54 At the federal level, the Board, FDIC, OCC, and NCUA have supervisory authority for ECOA and Regulation B for depository institutions with assets of {$10.00} XXXX or less.55 For depository institutions with assets over {$10.00} XXXX, the Bureau has this authority. Also, if any of these agencies has reason to believe that the creditor engaged in a pattern or practice of discrimination, then the agency must refer the matter to the U.S. Department of Justice.56 The Board has referred one matter involving discrimination on the basis of sex and marital status in credit reporting.57 In this matter, the creditor failed to provide information to CRAs about the payment history of spouses ( almost all of whom were women ) who were contractually obligated on the note.\n\nIn addition to the federal regulators, private plaintiffs have the right to file lawsuits under the ECOA.58 Violations of Regulation B can subject creditors to civil liability for actual and punitive damages in individual and class actions.59 If a furnisher fails to comply with the regulation because of an inadvertent error, there is no violation.60 The term inadvertent error means a mechanical, electronic, or clerical error that a creditor demonstrates was not intentional and occurred notwithstanding the maintenance of procedures reasonably adapted to avoid such errors,61 but it does not include an error of legal judgment.62 Upon discovering the error, the furnisher must correct it as soon as possible.\n\nCoverage Regulation B applies to a creditor, which is broadly defined to mean a person who, in the ordinary course of business, regularly participates in a credit decision, including setting the terms of the credit.63 The Official Staff Commentary to the regulation clarifies that the furnisher requirements only apply to consumer credit.64 Moreover, they apply only to creditors that opt to furnish credit information to CRAs or to other creditors ; a creditor is not required to furnish credit information on its accounts.\n\nDuties for Accounts Held or Used by Spouses Section 1002.10 of Regulation B imposes three obligations on creditors furnishing consumer credit information to the CRAs for accounts held or used by spouses.\n\nFirst, a creditor must designate accounts to reflect both spouses participation in the accounts in the following circumstances : For new accounts, when the spouse is an authorized user or is contractually liable on the account ( except as a guarantor, surety, endorser, or similar party ) ; and For existing accounts, when one of the spouses makes a written request to reflect both spouses participation on the account. In this situation, the furnisher must change the designation on the account within 90 days after receiving the written request.65 Second, when an account is designated to reflect the participation of both spouses, the creditor must furnish the information to the CRAs in a way that enables the CRAs to provide access to the information in the name of each spouse.66 Finally, if a creditor receives an inquiry about an account that reflects both spouses participating, the creditor must furnish the information in the name of the spouse for whom the information is requested.67 For example, if the inquiry concerns an account on which a husband and wife both participate, and the inquiry specifically is about the wife, the creditor must provide the information in the wifes name.\n\nProhibition on Discrimination In addition to the specific furnisher provisions, Regulation B broadly prohibits creditors from discriminating in any aspect of the credit transaction on any prohibited basis.68 The term credit transaction includes the furnishing of credit information.69 The term prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the applicants receipt of income, in whole or part, from any public assistance program ; or the applicants exercise in good faith of a right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the [ Bureau ] .70 This general rule covers, for example, the administration of accounts and the treatment of delinquent or slow accounts.71 CONCLUSION Credit reports play an important role for consumers and creditors. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports. Financial institutions that furnish information to the CRAs should have adequate policies and procedures in place to ensure that they are complying with these requirements, including procedures to periodically test systems to verify compliance. Compliance with the credit reporting laws can promote fair and efficient access to credit, benefiting consumers and creditors alike. Specific questions should be addressed to your primary regulator.\n\nENDNOTES 1 Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., implemented in part by Regulation V, 12 C.F.R. Part 1022. Most of the furnisher requirements discussed in this article under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) do not have implementing regulations, so furnishers must focus on the statutory requirements.\n\n2 Equal Credit Reporting Act, 15 U.S.C. 1691 et seq., implemented by Regulation B, 12 C.F.R. Part 1002. In addition, under the ECOA, Regulation B ( 12 C.F.R. 1002.9 ), and the FCRA ( 15 U.S.C. 1681m ), consumers and businesses applying for credit must be provided notice of the reasons a creditor took adverse action on the application or on an existing credit account in certain circumstances.\n\n3 Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136, 134 Stat. 281 ( March 27, 2020 ).\n\n4 Section 4021 of the CARES Act amended Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ).\n\n5 Kenneth Benton and Casey McHugh, Federal Reserve Bank of Philadelphia , Furnishers Compliance Obligations for Consumer Credit Information under the FCRA and ECOA, Consumer Compliance Outlook ( Second Quarter 2012 ).\n\n6 See 15 U.S.C. 1681s ( b ), 1681s-2 ( d ).\n\n7 See 15 U.S.C. 1681s ( c ), 1681s-2 ( d ).\n\n8 See 15 U.S.C. 1681s-2 ( c ).\n\n9 See 15 U.S.C. 1681a ( b ).\n\n10 See 15 U.S.C. 1681a ( c ).\n\n11 See 15 U.S.C. 1681a ( f ).\n\n12 See 12 C.F.R. 1022.41 ( c ). An entity is not a furnisher when it : ( 1 ) provides information to a consumer reporting agency solely to obtain a consumer report in accordance with Sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) is acting as a consumer reporting agency as defined in Section 603 ( f ) of the FCRA ; ( 3 ) is a consumer to whom the furnished information pertains; or ( 4 ) is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumers character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.\n\n13 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), as added by Section 4021 of the CARES Act.\n\n14 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ).\n\n15 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). Under the National Emergencies Act, an emergency declaration will automatically terminate on the one-year anniversary of the declaration if the President does not extend it during the 90-day period before the anniversary. 50 U.S.C. 1622 ( d ). An emergency declaration can also be terminated by a joint resolution of Congress enacted into law or by a Presidential proclamation. 50 U.S.C. 1622 ( a ).\n\n16 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( iii ).\n\n17 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( ii ).\n\n18 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). FCRA does not require a person to specify an address for receipt of notices from consumers concerning inaccurate information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ).\n\n19 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).\n\n20 See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ).\n\n21 See 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ).\n\n22 See 15 U.S.C. 1681s-2 ( a ) ( 3 ).\n\n23 See 15 U.S.C. 1681s-2 ( a ) ( 4 ).\n\n24 See 15 U.S.C. 1681s-2 ( a ) ( 5 ).\n\n25 See 15 U.S.C. 1681c ( a ).\n\n26 See 15 U.S.C. 1681s-2 ( a ) ( 6 ).\n\n27 See 15 U.S.C. 1681s-2 ( a ) ( 7 ).\n\n28 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( G ) ( i ).\n\n29 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) - ( B ).\n\n30 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ) ( ii ) and ( C ) ( i ).\n\n31 See 12 C.F.R. Part 1022, Appendix B Model Notices of Furnishing Negative Information.\n\n32 See 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( D ).\n\n33 See 12 C.F.R. 1022.42. The FCRA requires the Bureau to establish and maintain guidelines for furnishers regarding the accuracy","date_sent_to_company":"2025-08-08T16:02:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"14284554","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T21:49:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["While this term refers to gaining control of an existing account, it can also be part of synthetic <em>identity</em> <em>theft</em> if the fraudulent account is created from scratch using a stolen <em>identity</em>.\n\n22. Payment Fraud : 23. .Opens in new tab 24. This is a broader term that encompasses any fraudulent activity involving payments, including synthetic <em>identity</em> <em>theft</em>.\n\n25. Address Fraud : This specific type of <em>identity</em> <em>theft</em> leverages the victim 's address for illegal activities."]},"sort":[5.109833,"14284554"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15}]}},"product":{"doc_count":15,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting 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":10}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2},{"key":"Credit repair services","doc_count":1},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}}]}},"issue":{"doc_count":15,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":3},{"key":"Information belongs to someone else","doc_count":2},{"key":"Information is incorrect","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":3}]}},{"key":"Unable to get your credit report or credit score","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":2}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Funds not handled or disbursed as instructed","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":15,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":15}]}},"company_response":{"doc_count":15,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":12},{"key":"Closed with non-monetary relief","doc_count":3}]}},"submitted_via":{"doc_count":15,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":15}]}},"company":{"doc_count":15,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":6},{"key":"Experian Information Solutions Inc.","doc_count":5},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"JPMORGAN CHASE & CO.","doc_count":1}]}},"state":{"doc_count":15,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NY","doc_count":4},{"key":"CA","doc_count":3},{"key":"MI","doc_count":3},{"key":"FL","doc_count":2},{"key":"GA","doc_count":2},{"key":"CO","doc_count":1}]}},"company_public_response":{"doc_count":15,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":7}]}},"tags":{"doc_count":15,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":4},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}