{"took":210,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":167,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2564984","_score":19.276478,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"For the past year and a half, Kohl 's reported my information improperly and noted my social security number incorrectly with  XXXX . This caused an undue hardship and numerous denials because the social security number was listed incorrectly by Kohl 's. Upon getting this corrected and later discloswed by the   XXXX    representative, after a year and a half of problems, I am now able to get into my credit report. The matter was resolved in a payoff and has caused irreparable harm. I ask that Kohl 's remove this matter in order to avoid further injury.","date_sent_to_company":"2017-07-03T23:45:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"95835","tags":null,"has_narrative":true,"complaint_id":"2564984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2017-07-03T23:31:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["For the past year and a half, Kohl 's <em>reported</em> my <em>information</em> <em>improperly</em> and noted my social security number <em>incorrectly</em> with  XXXX . This caused an undue hardship and numerous denials because the social security number was listed <em>incorrectly</em> by Kohl 's. Upon getting this corrected and <em>later</em> discloswed by the   XXXX    representative, after a year and a half of <em>problems</em>, I am now able to get into my <em>credit</em> <em>report</em>. The matter was resolved in a payoff and has caused irreparable harm."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Improper</em> use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[19.276478,"2564984"]},{"_index":"complaint-public-v1","_id":"3314495","_score":15.925549,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my Equifax credit reports since XX/XX/XXXX. I was trying to dispute through Equifax directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later Equifax disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. Equifax lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. Equifax says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, Equifax failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to Equifax as advised, XXXX XXXX XXXX is still erroneously on my Equifax credit report in the amount of {$1900.00} ... I reported XXXX XXXX and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my Equifax credit report. This is what my experience with Equifax has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed Equifax necessary documents to no avail. \n\nI got a free copy of my Equifax credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with Equifax as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the Equifax credit bureau as far as I understand but disputes through Equifax Information Services LLC. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314495","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-22T18:13:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred <em>Incorrect</em> <em>information</em> on your <em>report</em> ( wrong address, fraud, <em>incorrectly</em> shows account still open ) <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> <em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ) Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score <em>Credit</em> monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.925549,"3314495"]},{"_index":"complaint-public-v1","_id":"3314501","_score":15.819601,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my XXXX  report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX  says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, Portfolio Recovery Associates is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported XXXX  XXXX and Portfolio Recovery Associates to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX  has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit  monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail. \n\nI got a free copy of my XXXX  credit report in XX/XX/XXXX and disputed errors by US mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred <em>Incorrect</em> <em>information</em> on your <em>report</em> ( wrong address, fraud, <em>incorrectly</em> shows account still open ) <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> <em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ) Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score <em>Credit</em>  monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.819601,"3314501"]},{"_index":"complaint-public-v1","_id":"3314655","_score":15.803682,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX  directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX   disputed it and removed it and when confronted accused XXXX Bank XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX  and XXXX  and I faxed supporting information to XXXX as advised, XXXX XXXX XXXX is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported Capital One and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX   has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX   necessary documents to no avail. \n\nI got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX  credit bureau as far as I understand but disputes through XXXX  XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred <em>Incorrect</em> <em>information</em> on your <em>report</em> ( wrong address, fraud, <em>incorrectly</em> shows account still open ) <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> <em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ) Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score <em>Credit</em> monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Problem</em> with a <em>credit</em> <em>reporting</em> company's investigation into an existing <em>problem</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.803682,"3314655"]},{"_index":"complaint-public-v1","_id":"12894638","_score":15.780038,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, Im writing to file a complaint about incorrect items on my credit report. Ive tried multiple times to get these fixed, but nothing has been done, and its really hurting my credit and my life. \n\nThe issues are as follows : Company Name : XXXX XXXX Date : XX/XX/XXXX Incorrect Amount : {$1000.00} Problem : account marked as late in which I have no knowledge of this account Company Name : XXXX XXXX Date : XX/XX/XXXX Incorrect Amount : {$20000.00} Problem : Im writing to file a complaint regarding the XXXX XXXX XXXX, which was sold to me without any information about its high risk for theft. I wasnt informed that the model had a high incidence of being stolen, which led to extremely high insurance rates that were difficult to afford. \nUnfortunately, the vehicle was broken into and stolen. I immediately filed a police report, but now the car is showing up on my credit report as if I still owe on it, even though it was stolen and I have filed a report. This is unfair, and its negatively impacting my credit. \n\nCompany Name : XXXX XXXX Date : XX/XX/XXXX Incorrect Amount : {$10000.00} Problem : account is a repossession in which i have no fault in. vehicle was wrongfully taken as payments were not being shown in the system. I in fact were making payments and was wrongfully mistreated and handled improper by the company. They did not bring vehicle back and i had proof of payments. \n\nIm requesting that these items be removed from my credit report, as it is causing undue financial harm. \n\nPlease assist in resolving this issue. \n\nIve contacted XXXX XXXX, XXXX, Experian and XXXX on several occasions and sent in all necessary documents to correct these mistakes, but nothing has changed. I also disputed it with the credit bureaus, but still no luck. \n\nThese mistakes are making it hard for me to get loans and causing major stress. I need help getting these issues resolved as soon as possible. \n\n\nThanks for your help!","date_sent_to_company":"2025-04-09T16:00:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39213","tags":null,"has_narrative":true,"complaint_id":"12894638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-09T15:39:55.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The issues are as follows : Company Name : XXXX XXXX Date : XX/XX/XXXX <em>Incorrect</em> Amount : {$1000.00} <em>Problem</em> : account marked as <em>late</em> in which I have no knowledge of this account Company Name : XXXX XXXX Date : XX/XX/XXXX <em>Incorrect</em> Amount : {$20000.00} <em>Problem</em> : Im writing to file a complaint regarding the XXXX XXXX XXXX, which was sold to me without any <em>information</em> about its high risk for theft."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[15.780038,"12894638"]},{"_index":"complaint-public-v1","_id":"13935858","_score":15.680094,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing two late payment entries reported by XXXX XXXX XXXX on my credit reports from all three credit bureaus. The first is an entry dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX  and the second dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX  Both items are inaccurately reported as late payments, which has negatively impacted my credit profile. \n\nThese late payments do not reflect my payment history accurately. Given the consistent issues with data handling and security breaches that have affected credit reporting in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or improper information transmission. The emotional and financial toll caused by these incorrect late payments is significant, as they affect my ability to access credit and secure fair loan terms.\n\nThe Consumer Financial Protection Bureau ( CFPB ) has documented ongoing problems with credit reporting agencies, including failures to conduct proper reinvestigations. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable reinvestigation within 30 days upon dispute. If the information can not be verified, it must be deleted or corrected immediately under 15 U.S.C. 1681i ( a ) ( 5 ). I expect all bureaus to honor this obligation and ensure my credit file reflects accurate information.","date_sent_to_company":"2025-06-06T21:42:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93619","tags":null,"has_narrative":true,"complaint_id":"13935858","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-06T21:34:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Given the consistent issues with data handling and security breaches that have affected <em>credit</em> <em>reporting</em> in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or <em>improper</em> <em>information</em> transmission. The emotional and financial toll caused by these <em>incorrect</em> <em>late</em> payments is significant, as they affect my ability to access <em>credit</em> and secure fair loan terms."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[15.680094,"13935858"]},{"_index":"complaint-public-v1","_id":"13933053","_score":15.680094,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing two late payment entries reported by XXXX XXXX XXXX on my credit reports from all three credit bureaus. The first is an entry dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, and the second dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX. Both items are inaccurately reported as late payments, which has negatively impacted my credit profile. \n\nThese late payments do not reflect my payment history accurately. Given the consistent issues with data handling and security breaches that have affected credit reporting in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or improper information transmission. The emotional and financial toll caused by these incorrect late payments is significant, as they affect my ability to access credit and secure fair loan terms. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has documented ongoing problems with credit reporting agencies, including failures to conduct proper reinvestigations. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable reinvestigation within 30 days upon dispute. If the information can not be verified, it must be deleted or corrected immediately under 15 U.S.C. 1681i ( a ) ( 5 ). I expect all bureaus to honor this obligation and ensure my credit file reflects accurate information.","date_sent_to_company":"2025-06-06T21:42:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93619","tags":null,"has_narrative":true,"complaint_id":"13933053","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-06T21:34:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Given the consistent issues with data handling and security breaches that have affected <em>credit</em> <em>reporting</em> in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or <em>improper</em> <em>information</em> transmission. The emotional and financial toll caused by these <em>incorrect</em> <em>late</em> payments is significant, as they affect my ability to access <em>credit</em> and secure fair loan terms."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[15.680094,"13933053"]},{"_index":"complaint-public-v1","_id":"13935427","_score":15.647263,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing two late payment entries reported by XXXX XXXX XXXX on my credit reports from all three credit bureaus. The first is an entry dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, and the second dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX Both items are inaccurately reported as late payments, which has negatively impacted my credit profile. \n\nThese late payments do not reflect my payment history accurately. Given the consistent issues with data handling and security breaches that have affected credit reporting in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or improper information transmission. The emotional and financial toll caused by these incorrect late payments is significant, as they affect my ability to access credit and secure fair loan terms. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has documented ongoing problems with credit reporting agencies, including failures to conduct proper reinvestigations. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable reinvestigation within 30 days upon dispute. If the information can not be verified, it must be deleted or corrected immediately under 15 U.S.C. 1681i ( a ) ( 5 ). I expect all bureaus to honor this obligation and ensure my credit file reflects accurate information.","date_sent_to_company":"2025-06-06T21:42:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93619","tags":null,"has_narrative":true,"complaint_id":"13935427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-06T21:34:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Given the consistent issues with data handling and security breaches that have affected <em>credit</em> <em>reporting</em> in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or <em>improper</em> <em>information</em> transmission. The emotional and financial toll caused by these <em>incorrect</em> <em>late</em> payments is significant, as they affect my ability to access <em>credit</em> and secure fair loan terms."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[15.647263,"13935427"]},{"_index":"complaint-public-v1","_id":"17884420","_score":14.734841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reopening this issue because Comenity did not resolve the core problem with my XXXX account. Their own written response on XX/XX/year> confirms a system error that prevented the account from charging off when it should have. Because of this error, the account did not close at the correct time, and XXXX continued adding fees and interest for years. \n\nXXXX admitted the following in writing : There was a systemic error where delinquent payments were not reflected. \nThis error prevented the account from charging off after months of non-payment. \nTheir mistake caused the balance to grow incorrectly. \nThey applied {$680.00} in credits for the fees they improperly added. \n\nEven after this admission, the reporting on my credit report is still inaccurate. \nMy credit report now shows the account as charged off with a {$780.00} past-due amount, even though the original balance was around {$110.00} and the inflated balance came from Comenitys system error. The reporting dates also do not match the actual timeline. The account is still being updated as if it were recently delinquent, even though Comenity admitted it should have been charged off years ago.\n\nThis reporting is inaccurate because : 1. The charge-off date is incorrect based on Comenitys own admission.\n\n2. The account should not be receiving continuous late updates if it was supposed to be charged off.\n\n3. The remaining balance is inconsistent with the account history and their explanation.\n\n4. Comenity failed to correct the payment history and status, causing ongoing harm to my credit.\n\nI am requesting a full correction or complete removal of this account.\n\nComenity admitted their reporting was incorrect and caused the balance to grow. They only partially corrected the issue and left key information inaccurate. The continued inaccurate reporting and wrong dates are still damaging my credit.\n\nPlease review the attached letter where Comenity admits their error, and my current credit report screenshots showing the incorrect status and balance.","date_sent_to_company":"2025-11-24T18:47:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30060","tags":null,"has_narrative":true,"complaint_id":"17884420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-11-24T18:17:02.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Comenity admitted their <em>reporting</em> was <em>incorrect</em> and caused the balance to grow. They only partially corrected the issue and left key <em>information</em> inaccurate. The continued inaccurate <em>reporting</em> and wrong dates are still damaging my <em>credit</em>.\n\nPlease review the attached letter where Comenity admits their error, and my current <em>credit</em> <em>report</em> screenshots showing the <em>incorrect</em> status and balance."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[14.734841,"17884420"]},{"_index":"complaint-public-v1","_id":"17900790","_score":14.732494,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint regarding inaccurate and misleading credit reporting associated with a student loan owned by XXXX XXXX and serviced by University XXXX XXXX ( XXXX ). \n\nThere are multiple issues with how this account has been furnished to TransUnion, including incorrect delinquency dates, improper delinquency aging ( XXXX lates ), and a reporting timeline that does not match the notices and statements provided to me. These issues have impacted my mortgage approval process and appear to reflect systemic problems that the CFPB has already identified in its recent lawsuit against XXXX XXXX XXXX XXXX \n\nXXXX. The delinquency reporting does not match Climb/UASs own notices The account shows a sequence of XXXX, XXXX, XXXX, and XXXX lates, but XXXX only sent XXXX Intent to Accelerate notice dated XX/XX/XXXX, and XXXX older notice from XXXX. No XXXX or XXXX delinquency notices were ever sent for the periods they reported. \n\nThe reported XXXX late in XX/XX/XXXX is mathematically impossible based on the actual due dates and the XX/XX/XXXX intent notice. This indicates an incorrect or unsupported Date of First Delinquency ( DOFD ). \n\nXXXX. The payment history does not support the reported delinquencies My payment history shows : A large lump-sum payment that, under standard servicing guidelines, should have advanced my due date but was not applied correctly. \nConsistent payments that were misapplied or not advanced forward. \nNo delinquency notices aligned with the dates XXXX reported to the credit bureaus. \n\nClimb/UAS has already acknowledged on the phone that the lump-sum payment should have been applied moving forward, yet the reporting does not reflect that. \n\nXXXX. XXXX appears incomplete and inconsistent This loan is only reporting to TransUnion, not Experian or Equifax. \nThis is atypical for a serviced installment loan and suggests inconsistent or defective Metro-2 furnishing.\n\n4. The reporting violates FCRA accuracy requirements Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information that is accurate and not misleading.\n\nUsing an incorrect DOFD and reporting delinquency sequences that do not match the notices or payment history creates misleading derogatory information.\n\nUnder 623 ( a ) ( 2 ), furnishers must maintain reasonable procedures to ensure accurate reporting. \nThe mismatched timeline demonstrates that reasonable procedures were not followed. \n\nXXXX. The CFPB has already sued XXXX XXXX XXXX for XXXX and unlawful practices The XXXX XX/XX/XXXX enforcement action against Climb XXXX XXXX XXXX XXXX XXXX XXXX misleading communication, improper disclosures, and consumer harm. \n\nMy experience appears to reflect similar servicing and communication issues, including : lack of proper disclosure of delinquency failure to provide required notices inconsistent or inaccurate reporting servicing errors that caused derogatory credit marks Given that Climb is already under active CFPB litigation, I am requesting a heightened review of the accuracy of the reporting on this account.","date_sent_to_company":"2025-11-26T01:24:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43224","tags":null,"has_narrative":true,"complaint_id":"17900790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Climb Credit Inc.","date_received":"2025-11-26T01:16:05.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing a complaint regarding inaccurate and misleading <em>credit</em> <em>reporting</em> associated with a student loan owned by XXXX XXXX and serviced by University XXXX XXXX ( XXXX ). \n\nThere are multiple issues with how this account has been furnished to TransUnion, including <em>incorrect</em> delinquency dates, <em>improper</em> delinquency aging ( XXXX <em>lates</em> ), and a <em>reporting</em> timeline that does not match the notices and statements provided to me."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Climb <em>Credit</em> Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[14.732494,"17900790"]},{"_index":"complaint-public-v1","_id":"3961447","_score":14.699321,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN FRAUDXX/XX/XXXXXXXX XXXX USED MY INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECIEVED ANY EDUCATION BENIFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU EXPERIAN IN VIOLATION OF THE FARIDEBT CREDIT REPORTING ACT. XXXX IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR 2000. I HAVE MADE NUMEROUSE REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRAMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. XXXX IS REPORTING FALSE INFORMATION THE EXPERIAN REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL. I HAVE PLACED EXPERIAN ON NOTICE AND REQUESTED NUMEROUSE DISPUTES OF THIS FRAUDELENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND EXPERIAN HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. EXPERIAN CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACOUNT IS TIME BARRED UNDER FEDERAL LAW. EXPERIAN HAS ALSO ALLOWED INTERNAL TAMPERING BY ITS EMPLOYEE INTO MY CREDIT FILE WITHOUT MY CONSENT. ON MULTIPLE OCCASSIONS EXPERIAN EMPLOYEE HAS UNLOCKED MY CREDIT FILE AFTER I LOCKED IT. THEY HAVE CONTINUED TO PLACE SECURITY FREEZE ACTION ON MY ACCOUNT WITHOUT MY CONSENT, THEY HAVE PLACED LENDER SERVING REMARKS IN MY CREDIT FILE UNDER CONSUMER STATEMENT OF WHICH I DID NOT AUTHORIZE.FURHTER EXPERIAN HAS FAILED TO SCORE MY CREDIT FILE ACURATELY AS IT IS BEING REPORTED ON OTHER THIRD PARTY 3 BUREAU CREDIT FILES. I HAVE PAID FOR 3 BUREAUS CREDIT REPORTS THAT HAVE EXPERIAN SCORE REPORTING SIGNIFICANTLY HIGHER SCORE THEN WHAT IS BEING REFLECTED IN MY PAID SUBCRIPTION FROM EXPERIAN CREDIT BUREAU. THEIR ACTION HAVE RACIAL UNDER TONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRADULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW. I REQUEST AN INVESTIGATION INTO THESE ACTIONS.\n\nHERE IS A LIST OF ALL THE PROBLEMS I HAVE SUFFERED AT THE HANDS OF THIS CREDIT REPORTING AGENCY, AND MORE..\n\nProblem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Old information reappears under new reporting creditor name or never goes away Unable to get your credit report or credit score Improper use of your report ( shared without consent, credit inquiries from unknown sources ) THANK YOU XXXX XXXX","date_sent_to_company":"2020-11-18T18:02:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45211","tags":null,"has_narrative":true,"complaint_id":"3961447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-18T17:41:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Problem</em> with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) <em>Problem</em> with a <em>credit</em> <em>reporting</em> company 's investigation into an existing <em>problem</em> <em>Incorrect</em> <em>information</em> on your <em>report</em> ( wrong address, fraud, <em>incorrectly</em> shows account still open ) Old <em>information</em> reappears under new <em>reporting</em> creditor name or never goes away Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score <em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries"],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[14.699321,"3961447"]},{"_index":"complaint-public-v1","_id":"14925877","_score":14.664907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX Problem with a company 's investigation into an existing problem XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed. \n\nMy disputes included : Missing hard inquiries dating from XX/XX/XXXX. \n\nIncorrect late payment notations on accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX \n\nDuplicate XXXXDepartment of Education entries showing identical opening dates, balances, and status.\n\nCredit utilization reported at 287 %, which is mathematically impossible. \n\nAn XXXX account listed as delinquent, despite being under official forbearance status, which under FCRA and CARES Act should not affect my score. \n\nI also requested a detailed explanation of Experians investigation process, including whether all evidence I submitted was forwarded to furnishers, what responses were received, and whether any dispute was deemed frivolous. Experians responses were generic confirmations of an investigation, but they did not justify why my documentation was disregarded or explain why the disputed items were never corrected.\n\nDespite submitting comprehensive evidencescreenshots, statements, forbearance letters, utilization calculationsExperian failed to update any item in my credit report.\n\nMy experience aligns with findings in the CFPBs XX/XX/XXXX lawsuit against Experian, which alleges that Experian routinely conducts sham investigations, fails to forward consumer-submitted documentation, and improperly reinserts inaccurate tradelines after they were previously disputed and removed","date_sent_to_company":"2025-07-28T18:48:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"14925877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-28T18:42:19.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX <em>Problem</em> with a company 's investigation into an existing <em>problem</em> XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX <em>Incorrect</em> <em>information</em> on your <em>report</em> XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[14.664907,"14925877"]},{"_index":"complaint-public-v1","_id":"18048417","_score":14.639997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Impact on Me as a Consumer The continued <em>reporting</em> of fraudulent accounts, inaccurate <em>late</em> payments, <em>improper</em> bankruptcy <em>information</em>, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my <em>credit</em> scores, limited my access to fair <em>credit</em> terms, and required significant time and effort to address."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.639997,"18048417"]},{"_index":"complaint-public-v1","_id":"18048416","_score":14.639964,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-15T18:46:59.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Impact on Me as a Consumer The continued <em>reporting</em> of fraudulent accounts, inaccurate <em>late</em> payments, <em>improper</em> bankruptcy <em>information</em>, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my <em>credit</em> scores, limited my access to fair <em>credit</em> terms, and required significant time and effort to address."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.639964,"18048416"]},{"_index":"complaint-public-v1","_id":"17268270","_score":14.623289,"_source":{"product":"Debt collection","complaint_what_happened":"Category : Credit reporting Incorrect information Improper handling of dispute Failure to verify Complaint Summary I am filing a complaint against Capital One Auto Finance regarding inaccurate credit reporting, failure to properly investigate a dispute, furnishing unverifiable information, and providing an irrelevant response to a CFPB complaint. \n\nThis complaint is NOT an identity theft/fraud claim. \nCapital One incorrectly processed my last CFPB complaint as a fraud claim, even though my dispute was strictly about inaccurate reporting, re-aging, and conflicting information on my XXXX  credit report.\n\nCapital Ones response did NOT address any of my actual concerns about the reporting of this auto loan account. \n\n\n\nDetails of the Problem The Capital One Auto Finance account ( ending in XXXX ) appears on my XXXX  credit report with several major inaccuracies, including : XXXX. Conflicting and inconsistent delinquency dates My report shows multiple, conflicting repossession dates and late payment dates for the same account over the years. There is no clear Date of First Delinquency ( DOFD ), as required by law. \nXXXX. Repeated reporting of charge-off status across multiple years A charge-off is being shown repeatedly from XXXX through XXXX. This is improper and suggests re-aging, which is prohibited under the Fair Credit Reporting Act. \nXXXX. Invalid date entries in the account comments My XXXX file lists several Invalid date notations in the comment history for this account. These are clear signs of inaccurate, incomplete, and unreliable data being furnished. \nXXXX. Past due balance still being reported AFTER the charge-off A past-due balance continues to be shown each year, which is not accurate for a charged-off account and artificially inflates the severity of the delinquency. \nXXXX. Failure to provide a method of verification Capital One has not provided any documents, statements, repo notices, payment history, DOFD records, or verification proving the accuracy of their reporting. \nXXXX. Improper and irrelevant response to prior CFPB dispute In the previous CFPB response, Capital One sent me a fraud questionnaire and affidavit, and closed my case for lack of fraud documents. \nThis is inappropriate because my dispute had nothing to do with fraud. \nI never claimed fraud, and I am not alleging identity theft. \n\nCapital One responded with the wrong template and failed to investigate the actual issue, violating FCRA 623 ( b ).\n\nWhy This Is a Violation Capital Ones actions violate multiple sections of the Fair Credit Reporting Act : FCRA 623 ( a ) Accurate reporting They are furnishing conflicting, inaccurate, and unverifiable information.\n\nFCRA 623 ( b ) Duty to investigate They did not investigate the dispute I submitted ; they sent a fraud packet instead.\n\nFCRA 611 & 612 Incomplete or unverifiable information must be corrected or deleted The data they are furnishing includes invalid date entries and can not be validated.\n\nFCRA 605 ( a ) Re-aging prohibition The repeated charge-off and delinquency reporting over multiple years makes the account appear newer and more severe than it actually is.","date_sent_to_company":"2025-11-16T02:35:02.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"21206","tags":null,"has_narrative":true,"complaint_id":"17268270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-16T02:28:09.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Category : <em>Credit</em> <em>reporting</em> <em>Incorrect</em> <em>information</em> <em>Improper</em> handling of dispute Failure to verify Complaint Summary I am filing a complaint against Capital One Auto Finance regarding inaccurate <em>credit</em> <em>reporting</em>, failure to properly investigate a dispute, furnishing unverifiable <em>information</em>, and providing an irrelevant response to a CFPB complaint. \n\nThis complaint is NOT an identity theft/fraud claim."]},"sort":[14.623289,"17268270"]},{"_index":"complaint-public-v1","_id":"18048418","_score":14.614082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint to report ongoing inaccuracies, procedural failures, and violations of my consumer rights related to information being reported on my credit reports by credit reporting agencies and data furnishers. Despite my repeated efforts to correct these issues through proper channels, including direct disputes, identity verification, and the filing of an FTC Identity Theft Report, inaccurate and fraudulent information has remained on my credit reports and continues to cause financial harm. \n\nThe core issues involve identity theft, fraudulent accounts, inaccurate late payment reporting, improper bankruptcy reporting, and unauthorized credit inquiries, compounded by failures of the credit bureaus to properly reinvestigate disputes as required under the Fair Credit Reporting Act ( FCRA ). \n\nIdentity Theft and Fraudulent Account Reporting I discovered that a XXXX XXXX XXXX XXXX account was reported on my credit report as a collection or charge-off. I did not open this account, did not authorize it, and did not benefit from it in any way. This account is the result of identity theft. \n\nOnce I became aware of this issue, I took appropriate and lawful action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), which is the federal mechanism specifically designed to document and address identity theft. I then disputed the fraudulent XXXXXXXX XXXX account directly with the credit reporting agencies, requesting that it be blocked and removed in accordance with FCRA 605B. \n\nDespite providing notice that this account was fraudulent and that an FTC Identity Theft Report had been filed, the account continued to be reported. In some cases, my disputes were rejected or closed without a proper reinvestigation, and in other cases, I was told the dispute was not processed due to incorrect assumptions about authorization, even though I personally submitted the disputes and later provided identity verification documentation. \n\nThis failure to promptly block and remove fraudulent information caused ongoing damage to my credit profile and undermined the protections XXXX put in place for identity theft victims. \n\nImproper Handling of Disputes and Reinvestigations I submitted disputes directly and personally, not through any third-party credit repair company. Nevertheless, at least one credit bureau incorrectly stated that a request did not come from me or someone I authorized, and closed the dispute without investigation. This was incorrect and later contradicted by my submission of government-issued identification, proof of address, and Social Security documentation to verify my identity. \n\nClosing disputes without reinvestigation based on incorrect assumptions prevented compliance with FCRA 611, which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information. These procedural failures delayed corrections, allowed inaccurate information to remain, and forced me to open additional disputes and CFPB complaints to seek resolution. \n\nLate Payment Reporting Issues In addition to the fraudulent account, my credit reports reflect multiple late payment entries that are inaccurate, misleading, or lack proper context. Some late payments are associated with accounts impacted by identity theft, while others were reported during periods affected by financial hardship and bankruptcy proceedings. \n\nLate payment reporting must meet the FCRAs maximum possible accuracy standard. Reporting late payments that are tied to fraudulent accounts, unverified data, or accounts affected by bankruptcy without proper verification creates a misleading credit profile. I disputed these late payments and requested that each be individually verified with original creditor documentation. \n\nDespite this, late payments continued to appear without adequate explanation or proof that the reporting was accurate. In some cases, late payment data appeared inconsistent across different credit bureaus, suggesting systemic inaccuracies rather than verified reporting. \n\nBankruptcy Reporting Problems My credit reports also contain multiple bankruptcy entries, including a Chapter XXXX XXXX that was discharged and XXXX XXXX cases that were dismissed. While I understand that bankruptcy is a public record, its reporting must still comply with the FCRA. \n\nThe issues I identified include : Duplicate or redundant bankruptcy listings Inconsistent reporting across credit bureaus Incorrect dates or reference information Reporting that does not clearly reflect dismissal or discharge status I disputed these inconsistencies because inaccurate bankruptcy reporting unfairly magnifies negative impact and misrepresents my financial history. Each bankruptcy entry should be verified directly with court records and reported accurately and consistently. \n\nUnauthorized and Improper Credit Inquiries My credit reports also contain numerous credit inquiries that I do not recognize, did not authorize, or that appear connected to fraudulent or disputed accounts. Under FCRA 604, a credit inquiry may only be reported if the requester had a permissible purpose. \n\nI disputed inquiries that : I did not initiate Were generated without my consent Are linked to fraudulent accounts Appear duplicative or inaccurately dated Despite these disputes, many inquiries remain on my credit reports without evidence that a permissible purpose existed. Unauthorized inquiries further damage my credit profile and create an inaccurate record of my credit-seeking behavior. \n\nImpact on Me as a Consumer The continued reporting of fraudulent accounts, inaccurate late payments, improper bankruptcy information, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my credit scores, limited my access to fair credit terms, and required significant time and effort to address. \n\nI have acted in good faith throughout this process, following all required procedures, filing appropriate reports, and providing documentation when requested. The lack of timely and effective resolution has forced me to escalate this matter to the CFPB. \n\nWhy I Am Filing This CFPB Complaint I am filing this complaint because : Fraudulent information was not promptly removed despite an FTC Identity Theft Report Disputes were closed without proper reinvestigation Late payment reporting remains inaccurate and misleading Bankruptcy reporting is inconsistent and duplicative Unauthorized credit inquiries remain uncorrected These issues demonstrate systemic failures to comply with the FCRA and to protect consumers from inaccurate credit reporting. \n\nWhat I Am Seeking Through This Complaint I am seeking regulatory assistance to ensure that : Fraudulent accounts are blocked and removed Late payments are corrected or deleted if unverifiable Bankruptcy information is reported accurately and consistently Unauthorized inquiries are removed Credit bureaus comply fully with reinvestigation requirements I am requesting that the CFPB ensure that my disputes are handled lawfully and that my credit reports reflect only accurate, verified, and legally reportable information. \n\nThis narrative is submitted truthfully and in good faith. I am requesting that the CFPB review this matter and require the involved companies to comply with federal consumer protection laws and correct my credit reports accordingly.","date_sent_to_company":"2025-12-15T19:00:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"18048418","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-15T18:59:32.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Impact on Me as a Consumer The continued <em>reporting</em> of fraudulent accounts, inaccurate <em>late</em> payments, <em>improper</em> bankruptcy <em>information</em>, and unauthorized inquiries has caused substantial harm. These inaccuracies have negatively affected my <em>credit</em> scores, limited my access to fair <em>credit</em> terms, and required significant time and effort to address."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[14.614082,"18048418"]},{"_index":"complaint-public-v1","_id":"19117499","_score":14.269949,"_source":{"product":"Mortgage","complaint_what_happened":"Issue : Problems with mortgage servicing / Escrow / Incorrect information on credit report / Loan transfer issues I am experiencing serious and unresolved errors related to the servicing and transfer of my mortgage loan to PHH Mortgage. Despite making payments consistently, my account reflects inaccurate information, and key aspects of the loan transfer and escrow handling do not make sense and have not been explained. \n\nThe primary issues are as follows : XXXX. Improper or unclear loan transfer : My mortgage was transferred to PHH Mortgage ; however, PHH does not appear on my credit report at all, despite PHH claiming servicing authority and issuing delinquency-related communications. This inconsistency raises serious concerns about reporting accuracy and servicing legitimacy. \n2. Escrow and insurance discrepancies : My homeowners insurance is paid through escrow. When I contacted my insurance company ( XX/XX/XXXX), I was informed that my prior servicer paid my annual homeowners insurance for the period XXXX, even though the loan had already been transferred to PHH. XXXX has no record of PHH as my mortgagee or billing party, which is highly irregular and has not been explained. \nXXXX. Failure to correct errors after Notice of Error : I submitted a formal Notice of Error to PHH Mortgage disputing account inaccuracies, escrow handling, and payment application. To date, I have not received a complete, clear, or corrective response. \n4. Incorrect delinquency information : I am disputing alleged late or missing payments that do not reflect my actual payment history. I have also filed disputes with the credit bureaus to remove any inaccurate late-payment reporting.\n\n5. Financial harm and risk : These servicing errors have directly interfered with my ability to qualify for new financing to build a home and have caused significant financial and emotional distress.\n\nGiven the lack of transparency, contradictory information, and failure to properly account for escrow, payments, and reporting, I am extremely concerned that PHH Mortgage is not complying with its obligations under RESPA and the Fair Credit Reporting Act.","date_sent_to_company":"2026-01-29T23:01:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"VA mortgage","zip_code":"49221","tags":"Servicemember","has_narrative":true,"complaint_id":"19117499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2026-01-29T22:44:49.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Issue : <em>Problems</em> with mortgage servicing / Escrow / <em>Incorrect</em> <em>information</em> on <em>credit</em> <em>report</em> / Loan transfer issues I am experiencing serious and unresolved errors related to the servicing and transfer of my mortgage loan to PHH Mortgage. Despite making payments consistently, my account reflects inaccurate <em>information</em>, and key aspects of the loan transfer and escrow handling do not make sense and have not been explained. \n\nThe primary issues are as follows : XXXX."],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"],"sub_issue":["Difficulty submitting a dispute or getting <em>information</em> about a dispute over the phone"]},"sort":[14.269949,"19117499"]},{"_index":"complaint-public-v1","_id":"8864121","_score":14.23519,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last XXXX weeks on the phone calling creditors with a XXXX  specialist, XXXX XXXX. Nearly all XXXX  from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX  basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney  XXXX  our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at XXXX looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX  or XXXX later. So now they are simply referencing their lazy effort from months ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single XXXX since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-26T07:12:15.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8864121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-26T07:12:11.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Part of me wants to file a separate <em>report</em> for all of these things because every single one of them has happened nearly every single XXXX since XX/XX/year> : <em>Incorrect</em> <em>information</em> on your <em>report</em> ( account or personal <em>information</em> <em>incorrect</em>, <em>information</em> not mine ) <em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ) Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score <em>Credit</em> monitoring or identity theft protection services <em>Problem</em> with fraud alerts or security freezes"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.23519,"8864121"]},{"_index":"complaint-public-v1","_id":"8865966","_score":14.204173,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last XXXX XXXX  on the phone calling creditors with a XXXX  XXXX, XXXX XXXX. Nearly all day from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX  basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a XXXX  of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a XXXX  of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at XXXX  looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX  or XXXX later. So now they are simply referencing their lazy effort from XXXX  ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX  page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single XXXX of them has happened nearly every single XXXX  since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or XXXX XXXX Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-29T14:54:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8865966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-26T07:12:11.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Part of me wants to file a separate <em>report</em> for all of these things because every single XXXX of them has happened nearly every single XXXX  since XX/XX/year> : <em>Incorrect</em> <em>information</em> on your <em>report</em> ( account or personal <em>information</em> <em>incorrect</em>, <em>information</em> not mine ) <em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ) Unable to get your <em>credit</em> <em>report</em> or XXXX XXXX <em>Credit</em> monitoring or identity theft protection services <em>Problem</em> with fraud alerts or security freezes"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.204173,"8865966"]},{"_index":"complaint-public-v1","_id":"8864572","_score":14.199043,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because experian is reporting truth, or that they make things hard to dispute, they simply don't put one ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last 2 weeks on the phone calling creditors with a restoration specialist, XXXX XXXX. Nearly all day from XXXX XXXX to XXXX XXXX, calling and sitting through the things that I do on a daily basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from experian. The first time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at midnight looking at my credit report because I can't sleep like usual. I see that every single one of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a day or two later. So now they are simply referencing their lazy effort from months ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single day. But I want this to be read, so I'll just say that on the first page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single day since XXXXXXXX XXXX : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-26T07:12:04.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8864572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-26T06:51:41.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Part of me wants to file a separate <em>report</em> for all of these things because every single one of them has happened nearly every single day since XXXXXXXX XXXX : <em>Incorrect</em> <em>information</em> on your <em>report</em> ( account or personal <em>information</em> <em>incorrect</em>, <em>information</em> not mine ) <em>Improper</em> use of your <em>report</em> ( shared without consent, <em>credit</em> inquiries from unknown sources ) Unable to get your <em>credit</em> <em>report</em> or <em>credit</em> score <em>Credit</em> monitoring or identity theft protection services <em>Problem</em> with fraud alerts or security"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[14.199043,"8864572"]},{"_index":"complaint-public-v1","_id":"2564867","_score":14.184746,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.","date_sent_to_company":"2017-07-03T21:35:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"729XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2564867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-07-03T21:35:12.000Z","state":"AR","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":["In speaking with this company, I argued that the collection about <em>information</em> on my <em>report</em> is <em>incorrect</em> and that I would consider making a formal dispute with the <em>credit</em> <em>reporting</em> agencies and contact XXXX XXXX to resolve the <em>problem</em>. The next think I noticed on my <em>credit</em> <em>report</em> a few weeks <em>later</em> is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[14.184746,"2564867"]},{"_index":"complaint-public-v1","_id":"2564866","_score":14.182812,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spoke with a representative of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.","date_sent_to_company":"2017-07-03T21:35:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"729XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2564866","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-07-03T21:35:12.000Z","state":"AR","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":["In speaking with this company, I argued that the collection about <em>information</em> on my <em>report</em> is <em>incorrect</em> and that I would consider making a formal dispute with the <em>credit</em> <em>reporting</em> agencies and contact XXXX XXXX to resolve the <em>problem</em>. The next think I noticed on my <em>credit</em> <em>report</em> a few weeks <em>later</em> is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with XXXX XXXX XXXX. Nor, have I made any type of formal dispute with them directly."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[14.182812,"2564866"]},{"_index":"complaint-public-v1","_id":"2564864","_score":14.182812,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I spoke with a representative of Stellar Recovery Company, XXXX XXXX XXXX, XXXX, Florida. XXXX ( XXXX ) XXXX. Regarding a collection account with XXXX XXXX. In speaking with this company, I argued that the collection about information on my report is incorrect and that I would consider making a formal dispute with the credit reporting agencies and contact XXXX XXXX to resolve the problem. The next think I noticed on my credit report a few weeks later is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly. Had I done so, I would have done so in writing. They continue to cause me financial stress and aggravation due to their improper reporting. <P/>I am not disputing that I was indeed terminated business dealings with XXXX XXXX over 5 years ago. In the State of Arkansas, all attempts to collect on this debt have long past the Statute of Limitations of 2 years for this type of account I have not yet disputed this account with the 3 major credit reporting agencies and as of yet, this information continues to appear on my credit report. <P/>There is also inaccurate reporting of the debt owed with an original debt of {$240.00} and an amount owed of {$240.00}. This would assume that somewhere, somehow, I made a {$1.00} payment towards this account thereby giving cause to this unscrupulous, to make changes in the reporting dates in an effort to coerce me into making restitution on a fraudulently reported account.","date_sent_to_company":"2017-07-03T21:35:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"729XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2564864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Stellar Recovery, Inc.","date_received":"2017-07-03T20:50:51.000Z","state":"AR","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In speaking with this company, I argued that the collection about <em>information</em> on my <em>report</em> is <em>incorrect</em> and that I would consider making a formal dispute with the <em>credit</em> <em>reporting</em> agencies and contact XXXX XXXX to resolve the <em>problem</em>. The next think I noticed on my <em>credit</em> <em>report</em> a few weeks <em>later</em> is there that I incurred this debt on XXXX XXXX, 2017. I have had no financial transactions with Stellar Recovery Company. Nor, have I made any type of formal dispute with them directly."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[14.182812,"2564864"]},{"_index":"complaint-public-v1","_id":"3457228","_score":13.961301,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XX/XX/2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and Transunion are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.","date_sent_to_company":"2019-12-03T19:03:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"66047","tags":null,"has_narrative":true,"complaint_id":"3457228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-12-03T19:03:54.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This reeks of typical XXXX XXXX ineptitude, I have never been <em>late</em> further I paid off the entire balance without any <em>problems</em> nor <em>lates</em> as judged by my <em>credit</em> <em>report</em>. Hence it was the height of irony I have a 30 day <em>late</em> after complying with all the terms of my account. I had this account for 2 years prior and never not once A <em>LATE</em>. THIS is factually <em>incorrect</em> and XXXX XXXX aside from standard talking points does nothing to correct this."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.961301,"3457228"]},{"_index":"complaint-public-v1","_id":"3456792","_score":13.961301,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted Wells Fargo Bank the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of Wells Fargo improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical Wells Fargo ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and Wells Fargo aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, XXXX ( who runs private servers on the open internet with admin and XXXX leaving millions of Americans private information exposed including my own ) and XXXX are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, XXXX Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that Wells Fargo send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.","date_sent_to_company":"2019-12-03T19:03:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"66047","tags":null,"has_narrative":true,"complaint_id":"3456792","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-12-03T18:38:19.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This reeks of typical Wells Fargo ineptitude, I have never been <em>late</em> further I paid off the entire balance without any <em>problems</em> nor <em>lates</em> as judged by my <em>credit</em> <em>report</em>. Hence it was the height of irony I have a 30 day <em>late</em> after complying with all the terms of my account. I had this account for 2 years prior and never not once A <em>LATE</em>. THIS is factually <em>incorrect</em> and Wells Fargo aside from standard talking points does nothing to correct this."],"product":["<em>Credit</em> <em>reporting</em>, <em>credit</em> repair services, or other personal consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.961301,"3456792"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":167,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":167}]}},"product":{"doc_count":167,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":70,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":70}]}},{"key":"Credit reporting, 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