{"took":127,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1753,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12812315","_score":28.56742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report and noticed some accounts are unauthorized making my report inaccurate. I sent several letters to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. \nThere are breaking Federal law The accounts in question are XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX Account XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nSo | then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates.\n\nSo l then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure ' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iil ) by not later than 15 days after receiving a request from the consumer for that description. \n\nBut they did not do either of those things.","date_sent_to_company":"2025-04-03T22:17:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90037","tags":null,"has_narrative":true,"complaint_id":"12812315","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-03T22:17:15.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["So | then asked them to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 16811 ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in the individual about whom the <em>report</em> relates."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[28.56742,"12812315"]},{"_index":"complaint-public-v1","_id":"12802297","_score":28.533882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report and noticed some accounts are unauthorized making my report inaccurate. I sent several letters to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. \nThere are breaking Federal law The accounts in question are XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX Account XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nSo | then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates.\n\nSo l then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure ' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iil ) by not later than 15 days after receiving a request from the consumer for that description. \n\nBut they did not do either of those things.","date_sent_to_company":"2025-04-03T22:17:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90037","tags":null,"has_narrative":true,"complaint_id":"12802297","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T22:04:05.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["So | then asked them to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 16811 ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in the individual about whom the <em>report</em> relates."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[28.533882,"12802297"]},{"_index":"complaint-public-v1","_id":"12800570","_score":28.498837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report and noticed some accounts are unauthorized making my report inaccurate. I sent several letters to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. \nThere are breaking Federal law The accounts in question are XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX Account XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nSo | then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates.\n\nSo l then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure ' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iil ) by not later than 15 days after receiving a request from the consumer for that description. \n\nBut they did not do either of those things.","date_sent_to_company":"2025-04-03T22:17:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90037","tags":null,"has_narrative":true,"complaint_id":"12800570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-03T22:17:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["So | then asked them to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 16811 ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in the individual about whom the <em>report</em> relates."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[28.498837,"12800570"]},{"_index":"complaint-public-v1","_id":"8688090","_score":27.277039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts EXETER FIN XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX are not complete and accurate. \n\nI sent a letter asking them to make sure everything is complete and accurate. \n\nThey haven't sent me back anything about the investigation. They are ignoring my disputes. \n\nAnd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. \n\nBut they did not do that as well either. \n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-04-03T21:08:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"8688090","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-03T21:04:45.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>re-investigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( <em>XXXX</em> ) ( B ) ( <em>XXXX</em> ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>. \n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[27.277039,"8688090"]},{"_index":"complaint-public-v1","_id":"8683656","_score":27.217512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are not complete and accurate. \n\nI sent a letter asking them to make sure everything is complete and accurate. \n\nThey haven't sent me back anything about the investigation. They are ignoring my disputes. \n\nAnd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-04-03T20:56:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"8683656","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-03T20:44:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>re-investigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[27.217512,"8683656"]},{"_index":"complaint-public-v1","_id":"11836477","_score":26.929121,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did no fix nothing. They are breaking the law. \nAccording to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nSo i then asked them to provide me a description of the investigation according according to 15 USC 1681 i ( 7 ) : Description of reinvestigation procedure.\n\nThank you","date_sent_to_company":"2025-01-29T14:06:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30094","tags":null,"has_narrative":true,"complaint_id":"11836477","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-29T14:06:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>According</em> to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of <em>report</em> Whenever a <em>consumer</em> <em>reporting</em> agency prepares a <em>consumer</em> <em>report</em> it <em>report</em> it shall follow reasonable <em>procedures</em> to assure maximum possible accuracy of the information concerning the individual about whom the <em>report</em> relates.\n\nSo i then asked them to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> <em>according</em> to 15 USC 1681 i ( 7 ) : <em>Description</em> of <em>reinvestigation</em> <em>procedure</em>.\n\nThank you"],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[26.929121,"11836477"]},{"_index":"complaint-public-v1","_id":"11836476","_score":26.91745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did no fix nothing. They are breaking the law. \nAccording to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nSo i then asked them to provide me a description of the investigation according according to 15 USC 1681 i ( 7 ) : Description of reinvestigation procedure.\n\nThank you","date_sent_to_company":"2025-01-29T14:06:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30094","tags":null,"has_narrative":true,"complaint_id":"11836476","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-29T14:06:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>According</em> to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of <em>report</em> Whenever a <em>consumer</em> <em>reporting</em> agency prepares a <em>consumer</em> <em>report</em> it <em>report</em> it shall follow reasonable <em>procedures</em> to assure maximum possible accuracy of the information concerning the individual about whom the <em>report</em> relates.\n\nSo i then asked them to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> <em>according</em> to 15 USC 1681 i ( 7 ) : <em>Description</em> of <em>reinvestigation</em> <em>procedure</em>.\n\nThank you"],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[26.91745,"11836476"]},{"_index":"complaint-public-v1","_id":"11828396","_score":26.867085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report on XX/XX/XXXX and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did no fix nothing. They are breaking the law. \nAccording to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nSo i then asked them to provide me a description of the investigation according according to 15 USC 1681 i ( 7 ) : Description of reinvestigation procedure. \n\nThank you","date_sent_to_company":"2025-01-29T14:06:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30094","tags":null,"has_narrative":true,"complaint_id":"11828396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-29T13:20:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>According</em> to 15 USC 1681 e ( b ) it states this ( b ) Accuracy of <em>report</em> Whenever a <em>consumer</em> <em>reporting</em> agency prepares a <em>consumer</em> <em>report</em> it <em>report</em> it shall follow reasonable <em>procedures</em> to assure maximum possible accuracy of the information concerning the individual about whom the <em>report</em> relates.\n\nSo i then asked them to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> <em>according</em> to 15 USC 1681 i ( 7 ) : <em>Description</em> of <em>reinvestigation</em> <em>procedure</em>. \n\nThank you"],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[26.867085,"11828396"]},{"_index":"complaint-public-v1","_id":"8688217","_score":26.838083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, are not complete and accurate. \n\nI sent a letter asking them to make sure everything is complete and accurate. \n\nThey haven't sent me back anything about the investigation. They are ignoring my disputes. \n\nAnd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-04-03T21:25:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27537","tags":null,"has_narrative":true,"complaint_id":"8688217","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-03T21:13:18.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>re-investigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[26.838083,"8688217"]},{"_index":"complaint-public-v1","_id":"8608238","_score":26.71475,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX XXXX, are not complete and accurate.\n\nI sent a letter asking them to make sure everything is complete and accurate.\n\nThey haven't sent me back anything about the investigation. They are ignoring my disputes.\n\nAnd according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-03-22T19:43:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30329","tags":null,"has_narrative":true,"complaint_id":"8608238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-22T19:35:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than <em>XXXX</em>  days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[26.71475,"8608238"]},{"_index":"complaint-public-v1","_id":"8442171","_score":26.547134,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-02-28T20:53:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"8442171","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-28T20:48:22.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[26.547134,"8442171"]},{"_index":"complaint-public-v1","_id":"8442162","_score":26.547134,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-02-28T20:53:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"8442162","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-28T20:53:49.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[26.547134,"8442162"]},{"_index":"complaint-public-v1","_id":"8373242","_score":26.539541,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\nXXXX/DEPT OF EDUCATION , XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.\n\nAnd according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-02-19T19:03:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"8373242","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T19:03:32.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[26.539541,"8373242"]},{"_index":"complaint-public-v1","_id":"8372854","_score":26.538794,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\nXX/XX/XXXX/DEPT OF EDUCATION , XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n15 U.S. Code 1681i - Procedure in case of disputed accuracy, a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.\n\nAnd according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-02-19T19:03:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"8372854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T19:03:32.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[26.538794,"8372854"]},{"_index":"complaint-public-v1","_id":"8937616","_score":26.514576,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative. I recently reviewed my Equifax credit file, and noticed an inaccurate item. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. \n\nThe account : XXXX XXXX XXXX  XXXX is NOT COMPLETE AND ACCURATE. \n\nI sent a letter asking EQUIFAX to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. They sent my investigation back and said everything is complete and accurate, but everything is NOT COMPLETE AND ACCURATE, and according to 15 USC 1681i 5, they are suppose to do this : ( XXXX ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the Consumer Reporting Agency shall ( i ) PROMPTLY DELETE THE ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. \n\nAnd according to this law, they are suppose to provide me a DESCRIPTION OF THE INVESTIGATION according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by NOT LATER THAN 15 DAYS AFTER THE REQUEST from the consumer for that description. \n\nBut AFTER MULTIPLE REQUESTS BY ME, they did not do that as well. Finally, according to 15 USC 1681s-2 they are suppose to : NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THAT PERSON KNOWS, OR HAS REASONABLE CAUSE TO BELIEVE, THE INFORMATION IS INACCURATE.","date_sent_to_company":"2024-05-06T14:51:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75035","tags":null,"has_narrative":true,"complaint_id":"8937616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-06T14:20:35.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law, they are suppose to provide me a <em>DESCRIPTION</em> OF THE <em>INVESTIGATION</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> : A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( <em>XXXX</em> ) ( B ) ( <em>XXXX</em> ) by NOT LATER THAN 15 DAYS AFTER THE REQUEST from the <em>consumer</em> for that <em>description</em>. \n\nBut AFTER MULTIPLE REQUESTS BY ME, they did not do that as well."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[26.514576,"8937616"]},{"_index":"complaint-public-v1","_id":"10608264","_score":26.506195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX. \nAccording to 15 USC 1681i 5 they are suppose to ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure.","date_sent_to_company":"2024-10-28T06:25:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20708","tags":null,"has_narrative":true,"complaint_id":"10608264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-28T06:12:29.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681 ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em>."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[26.506195,"10608264"]},{"_index":"complaint-public-v1","_id":"9354486","_score":26.47697,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"on XX/XX/year> I was informed that there was negative information on my consumer report. account XXXX. On XX/XX/year> I asked Experian to provide me a description of the procedure of the investigation used to verify this account according to 15 USC 1681 ( i ) 7.\n\nA description of reinvestigation procedure : a consumer reporting agency shall provide a Consumer a description referred in paragraph ( 6 ) ( b ) ( iii ) by no later then 15 days after receiving a request from the consumer for that description. Once again Experian is violating my rights under 15 USC 1681 ( i ) 7 by not complying to provide me a description of how they verified this account within 15 day of my request.","date_sent_to_company":"2024-06-26T07:40:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02062","tags":null,"has_narrative":true,"complaint_id":"9354486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-26T06:22:33.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["on XX/XX/year> I was informed that there was negative information on my <em>consumer</em> <em>report</em>. account <em>XXXX</em>. On XX/XX/year> I asked Experian to provide me a <em>description</em> of the <em>procedure</em> of the <em>investigation</em> used to verify this account <em>according</em> to 15 USC 1681 ( i ) 7."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[26.47697,"9354486"]},{"_index":"complaint-public-v1","_id":"13321149","_score":26.355509,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I look at my report back on XXXX XXXX XXXX and noticed something are incomplete and not accurate. And according to the Fair Credit Reporting Act it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts (XXXX XXXX XXXX XXXX) are not complete and accurate. \\nAnd one more thing according to XXXX  USC XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \\nI looked at my report back on XX/XX/XXXX and noticed something are incomplete and inaccurate. And according to the Fair Credit Reporting Act it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. These accounts ( XX/XX/2665)XX/XX/XXXX sent a letter asking them to make sure everything is complete and accurate and here is my tracking number  XX/XX/XXXXThey sent me investigation and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. XXXXAnd according to XX/XX/XXXXUSC XXXX. they are suppose to do this (XXXX) Treatment of inaccurate or unverifiable information (a)XXXX general \\nIf after any reinvestigation under paragraph (XXXX) of any information disputed by a consumer an item of information from the file of the consumer or modify that item of the information is found to be inaccurate or incomplete or cannot be verified the consumer reporting agency shall- (i) promptly delete that item of information from the file of the consumer based on the results of the reinvestigation; and (ii) promptly notify the furnisher of that information that  the information has been modified or deleted from the file of consumer. \\n\\nAnd according to this look law they are suppose to provide me a description of the investigation according to XX/XX/XXXXUSC XXXX;(XXXX) XXXX  Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer a description referred to in paragraph (XXXX) (B) (iii) by not later than XXXX  days after receiving a request from the consumer for that description \\n\\nBut they did not do that as well either \\nAnd according to XX/XX/XXXXUSC  XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.'","date_sent_to_company":"2025-05-03T20:03:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60622","tags":null,"has_narrative":true,"complaint_id":"13321149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-03T18:29:59.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["\\n\\nAnd <em>according</em> to this look law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to XX/XX/XXXXUSC <em>XXXX</em>;(<em>XXXX</em>) <em>XXXX</em>  <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> a <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph (<em>XXXX</em>) (B) (iii) by not later than <em>XXXX</em>  days after receiving a request from the <em>consumer</em> for that <em>description</em> \\n\\nBut they did not do that as well either \\nAnd <em>according</em> to XX/XX/XXXXUSC  <em>XXXX</em> they are suppose to not furnish"],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[26.355509,"13321149"]},{"_index":"complaint-public-v1","_id":"8524138","_score":26.355047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate.\n\nI sent a letter asking them to make sure everything is complete and accurate.\n\nThey haven't sent me back anything about the investigation. They are ignoring my disputes.\n\nAnd according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-03-11T17:31:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"8524138","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-11T17:28:18.000Z","state":"GA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[26.355047,"8524138"]},{"_index":"complaint-public-v1","_id":"8525442","_score":26.343323,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are not complete and accurate.\n\nI sent a letter asking them to make sure everything is complete and accurate.\n\nThey haven't sent me back anything about the investigation. They are ignoring my disputes.\n\nAnd according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-03-11T17:21:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"8525442","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-11T17:04:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[26.343323,"8525442"]},{"_index":"complaint-public-v1","_id":"8475466","_score":26.319359,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, are not complete and accurate. \n\nI sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-03-05T23:19:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"8475466","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-05T23:09:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[26.319359,"8475466"]},{"_index":"complaint-public-v1","_id":"8525350","_score":26.314463,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate.\n\nI sent a letter asking them to make sure everything is complete and accurate.\n\nThey haven't sent me back anything about the investigation. They are ignoring my disputes.\n\nAnd according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.\n\nBut they did not do that as well either.\n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-03-11T17:28:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"8525350","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-11T17:23:47.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>.\n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[26.314463,"8525350"]},{"_index":"complaint-public-v1","_id":"9153323","_score":26.305702,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX, [ XXXX XXXX ] are not complete and accurate.\n\nI sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. \n\nBut they did not do that as well either. \n\nand according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-06-03T03:31:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33027","tags":null,"has_narrative":true,"complaint_id":"9153323","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-03T03:17:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>. \n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[26.305702,"9153323"]},{"_index":"complaint-public-v1","_id":"8873376","_score":26.282082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative. I recently reviewed my Equifax credit file, and noticed a few things are incomplete and/or not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX ... .., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX... XXXX XXXX are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate","date_sent_to_company":"2024-04-28T02:09:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75035","tags":null,"has_narrative":true,"complaint_id":"8873376","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-28T02:02:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"]},"sort":[26.282082,"8873376"]},{"_index":"complaint-public-v1","_id":"8487890","_score":26.277538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. \n\nI sent a letter asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nAnd according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. \n\nBut they did not do that as well either. \n\nand according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.","date_sent_to_company":"2024-03-06T04:03:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"8487890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-06T03:56:24.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["And <em>according</em> to this law they are suppose to provide me a <em>description</em> of the <em>investigation</em> <em>according</em> to 15 USC 1681i ( 7 ) : ( 7 ) <em>Description</em> of <em>reinvestigation</em> <em>procedure</em> A <em>consumer</em> <em>reporting</em> agency shall provide to a <em>consumer</em> a <em>description</em> referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the <em>consumer</em> for that <em>description</em>. \n\nBut they did not do that as well either."],"product":["Credit <em>reporting</em> or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["Credit <em>reporting</em>"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[26.277538,"8487890"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1753,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1753}]}},"product":{"doc_count":1753,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1361,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1354},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Credit reporting, credit 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