{"took":625,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15532,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8840188","_score":17.753185,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"complaint. \nXXXX XXXX XXXX  I hereby request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary enforcement actions against Equifax for their violation of the FCRA. I seek the following remedies : Immediate removal of XXXX XXXXXXXX XXXX  from my credit report. \nEnforcement of FCRA regulations to ensure EQUiFAX compliance with consumer protection laws. \nCompensation for damages incurred as a result of EQUIFAX non-compliance with non-compliance FCRA regulations. \nI have attached copies of all relevant correspondence and documentation, including the letter sent to EQUIFAX and any responses received.","date_sent_to_company":"2024-04-23T18:59:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33618","tags":null,"has_narrative":true,"complaint_id":"8840188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-23T18:22:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX  I hereby request the <em>Consumer</em> Financial <em>Protection</em> Bureau to <em>investigate</em> this matter thoroughly and take necessary <em>enforcement</em> <em>actions</em> against Equifax for their violation of the FCRA. I seek the following remedies : Immediate removal of XXXX XXXXXXXX XXXX  from my credit report. \n<em>Enforcement</em> of FCRA regulations to ensure EQUiFAX compliance with <em>consumer</em> <em>protection</em> laws."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.753185,"8840188"]},{"_index":"complaint-public-v1","_id":"11858709","_score":17.751785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companies failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the consumer financial protectionBureau. ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes.","date_sent_to_company":"2025-01-31T09:42:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29169","tags":null,"has_narrative":true,"complaint_id":"11858709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T09:24:57.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To whom it may concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companies failure to comply with federal <em>consumer</em> <em>protection</em> laws. This dispute is in direct reference to the recent <em>enforcement</em> <em>action</em> taken by the <em>consumer</em> financial <em>protection</em>Bureau. ( CFPB ) against Experian for engaging in sham <em>investigations</em> and failing to properly address <em>consumer</em> disputes."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.751785,"11858709"]},{"_index":"complaint-public-v1","_id":"15113815","_score":17.693077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FORMAL REQUEST FOR CFPB ENFORCEMENT ACTION - EXPERIAN SYSTEMATIC FCRA VIOLATIONS I am requesting immediate CFPB enforcement action against Experian Information Solutions for systematic violations of federal consumer protection laws that appear to constitute a pattern of willful non-compliance requiring regulatory intervention. ENFORCEMENT ACTION JUSTIFICATION : This is not an isolated dispute but evidence of Experian 's systematic failure to comply with federal identity theft protection statutes while industry competitors maintain proper compliance. This pattern suggests intentional non-compliance requiring CFPB enforcement powers. SPECIFIC REGULATORY VIOLATIONS : 1. WILLFUL SECTION 605B VIOLATIONS : Experian refuses to block confirmed identity theft information despite receiving identical documentation that XXXX  and XXXX  accepted and properly processed by deleting fraudulent accounts. 2. SYSTEMATIC NON-COMPLIANCE PATTERN : Evidence suggests Experian maintains policies or procedures that violate 15 U.S.C. 1681c-2 identity theft blocking requirements, creating widespread consumer harm. 3. COMPETITIVE ADVANTAGE THROUGH VIOLATION : Experian gains unfair advantage by avoiding compliance costs that competitors bear, harming both consumers and compliant competitors. CONCRETE EVIDENCE OF SYSTEMATIC VIOLATIONS : CASE EXAMPLE - MY IDENTITY THEFT CASE : - FTC Report # XXXX  + Supplemental # XXXX  ( Federal Documentation ) - Police Case # XXXX-XXXX  ( Law Enforcement Confirmation ) - $ XXXX in confirmed fraudulent debt across multiple accounts - Geographic impossibility proven ( consumer in Illinois , accounts opened elsewhere ) COMPLIANCE COMPARISON : XXXX  : Received documentation Investigated DELETED all fraudulent accounts XXXX  : Received documentation Investigated DELETED all fraudulent accounts EXPERIAN : Received IDENTICAL documentation Refused investigation CONTINUES ILLEGAL REPORTING FRAUDULENT ACCOUNTS EXPERIAN ILLEGALLY CONTINUES REPORTING : 1. XXXX XXXX XXXX : {$7500.00} charge-off ( DELETED by XXXX ) 2. XXXX XXXX XXXX XXXX : {$10000.00} charge-off ( DELETED by XXXX  ) 3. XXXX XXXXXXXX XXXX XXXXXXXX : {$4900.00} auto loan ( DELETED by XXXX ) REGULATORY INTERVENTION REQUIRED : Standard consumer complaint processes have failed. Experian 's systematic non-compliance requires CFPB enforcement powers including : 1. FORMAL INVESTIGATION : Pattern analysis of Experian 's identity theft blocking procedures 2. COMPLIANCE ORDER : Mandatory implementation of proper Section 605B procedures 3. CIVIL MONEY PENALTIES : Deterrent penalties for systematic violations 4. INJUNCTIVE RELIEF : Court order requiring compliance with federal statutes 5. MONITORING PROGRAM : Ongoing oversight of identity theft processing INDUSTRY IMPACT ANALYSIS : Experian 's non-compliance creates unfair competitive advantage by avoiding compliance costs borne by XXXX  and XXXX. This market distortion harms both consumers and compliant competitors, requiring regulatory correction. CONSUMER HARM MULTIPLIER : If Experian systematically violates identity theft laws for my case, logical inference suggests thousands of other identity theft victims face similar violations, creating widespread consumer harm requiring CFPB intervention. ENFORCEMENT PRECEDENT REQUEST : I request CFPB treat this as precedent-setting enforcement action demonstrating CFPB 's commitment to identity theft victim protection and deterring systematic non-compliance by major credit reporting agencies. SPECIFIC ENFORCEMENT ACTIONS REQUESTED : 1. Formal investigation into Experian 's identity theft blocking procedures 2. Compliance order requiring immediate implementation of proper Section 605B procedures 3. Civil money penalties for systematic violations of federal consumer protection laws 4. Public enforcement action demonstrating regulatory consequences for non-compliance 5. Mandatory compliance monitoring program for ongoing oversight 6. Industry guidance clarifying identity theft blocking requirements for all credit reporting agencies STATUTORY AUTHORITY : CFPB has clear authority under 12 U.S.C. 5581 to investigate and enforce violations of Federal consumer financial laws, including FCRA Section 605B violations. URGENCY JUSTIFICATION : Continued delay enables ongoing violations harming identity theft victims nationwide while providing Experian unfair competitive advantage through non-compliance. This case provides CFPB opportunity to demonstrate effective enforcement of identity theft protection laws and deter systematic violations by major credit reporting agencies. IMMEDIATE RELIEF REQUESTED : While CFPB develops enforcement action, immediate relief requested : - Emergency order requiring Experian delete fraudulent accounts from my file - Temporary monitoring of Experian 's identity theft processing procedures- Expedited investigation timeline given clear evidence of violations This complaint requests CFPB exercise full enforcement authority to address systematic violations requiring regulatory intervention beyond standard complaint resolution.","date_sent_to_company":"2025-08-07T02:40:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"62040","tags":null,"has_narrative":true,"complaint_id":"15113815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-07T02:24:18.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FORMAL REQUEST FOR CFPB <em>ENFORCEMENT</em> <em>ACTION</em> - EXPERIAN SYSTEMATIC FCRA VIOLATIONS I am requesting immediate CFPB <em>enforcement</em> <em>action</em> against Experian Information Solutions for systematic violations of federal <em>consumer</em> <em>protection</em> laws that appear to constitute a pattern of willful non-compliance requiring regulatory intervention."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.693077,"15113815"]},{"_index":"complaint-public-v1","_id":"15840491","_score":17.425184,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This complaint involves a coordinated scheme between three related entities to evade consumer protection laws through : Regulatory arbitrage - Characterizing subscription services as installment contracts to avoid applicable consumer protections Systematic cancellation obstruction - Creating artificial barriers to legitimate cancellation requests through bureaucratic ping-pong Debt collection violations- Continuing collection activities during active disputes and failing to conduct required investigations Repeat offender conduct - Entities with documented prior enforcement history continuing substantially similar violations The coordinated nature of these violations, combined with extensive documentation showing months of bad faith dealing and evolving corporate explanations, demonstrates the need for comprehensive regulatory intervention and enforcement action against all three entities. \n\nUGA Finance operates as the financing entity behind this disputed arrangement ( documented as \" Universal Account Servicing , LLC d/b/a UGA Finance '' in contract materials ) and has failed to properly investigate legitimate disputes while continuing to facilitate collection activities on a fundamentally flawed transaction. \n\nUGA Finance violations include : Facilitating unlawful financing arrangement - The underlying \" contract '' operates as a subscription service with quarterly deliveries ( as admitted by the merchant ) while being characterized as an installment contract to evade consumer protection requirements- a form of regulatory arbitrage Failing to respond to dispute documentation - Despite receiving comprehensive documentation of fraudulent inducement and regulatory violations on XX/XX/year>, UGA has provided no substantive response to the underlying legal issues Enabling systematic consumer harm - UGA continues to facilitate billing and collection on a contract that was induced through documented material misrepresentations about product exclusivity Prior enforcement pattern - UGA 's documented connection to Universal Guardian Acceptance, which faced prior FTC enforcement action for similar debt collection and financing violations, suggests a pattern of regulatory disregard Pattern of Regulatory Disregard : The fact that UGA/related entities have faced prior federal enforcement action for similar practices, yet continue engaging in substantially similar conduct, demonstrates willful disregard of regulatory requirements and enforcement orders.","date_sent_to_company":"2025-10-21T17:11:18.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"681XX","tags":null,"has_narrative":true,"complaint_id":"15840491","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Universal Account Servicing, LLC","date_received":"2025-09-11T04:33:59.000Z","state":"NE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This complaint involves a coordinated scheme between three related entities to evade <em>consumer</em> <em>protection</em> laws through : Regulatory arbitrage - Characterizing subscription services as installment contracts to avoid applicable <em>consumer</em> <em>protections</em> Systematic cancellation obstruction - Creating artificial barriers to legitimate cancellation requests through bureaucratic ping-pong Debt collection violations- Continuing collection activities during active disputes and failing to conduct required <em>investigations</em>"]},"sort":[17.425184,"15840491"]},{"_index":"complaint-public-v1","_id":"12014365","_score":16.65461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for failing to properly investigate my disputes and for verifying inaccurate information as accurate, despite clear evidence to the contrary. Equifax is reporting a bankruptcy on my credit report that can not be verified, as I have already provided proof that XXXX is not reporting a bankruptcy for me. Since Equifax relies on XXXX for public record verifications, there is no possible way Equifax could be properly verifying this bankruptcy. \n\nAdditionally, Equifax continues to report inaccurate and incomplete information on my credit report, despite my numerous dispute attempts via mail, phone, and online. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a failure to fulfill its legal duty to maintain accurate credit files. \n\nGiven the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which resulted in a {$15.00} XXXX penalty for failing to conduct proper investigations of consumer disputes ( Source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-equifax-to-pay-15-million-for-improper-investigations-of-credit-reporting-errors/ ), my complaint further highlights an ongoing issue. \n\nThis enforcement action confirms that Equifax has repeatedly neglected its legal responsibilities, and my case is yet another example of Equifax failing to conduct a proper investigation.","date_sent_to_company":"2025-02-11T00:27:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"12014365","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-11T00:23:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Given the recent <em>enforcement</em> <em>action</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) against Equifax, which resulted in a {$15.00} XXXX penalty for failing to conduct proper <em>investigations</em> of <em>consumer</em> disputes ( Source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper <em>Investigations</em> of Credit Reporting Errors, <em>Consumer</em> Financial <em>Protection</em> Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-equifax-to-pay-15-million-for-improper-<em>investigations</em>-of-credit-reporting-errors"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.65461,"12014365"]},{"_index":"complaint-public-v1","_id":"11192962","_score":16.607136,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"these deletions.\n\n4. Notify me in writing of the results of your investigation.\n\nFailure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA.\n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-17T21:15:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23223","tags":null,"has_narrative":true,"complaint_id":"11192962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-12-17T21:14:58.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Notify me in writing of the results of your <em>investigation</em>.\n\nFailure to comply with these requests may result in a formal complaint to the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) or legal <em>action</em> to <em>enforce</em> my rights under the FCRA.\n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.607136,"11192962"]},{"_index":"complaint-public-v1","_id":"11192964","_score":16.602531,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"these deletions.\n\n4. Notify me in writing of the results of your investigation.\n\nFailure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA.\n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-17T21:15:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23223","tags":null,"has_narrative":true,"complaint_id":"11192964","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2024-12-17T21:14:58.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Notify me in writing of the results of your <em>investigation</em>.\n\nFailure to comply with these requests may result in a formal complaint to the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) or legal <em>action</em> to <em>enforce</em> my rights under the FCRA.\n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.602531,"11192964"]},{"_index":"complaint-public-v1","_id":"11192963","_score":16.602531,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"these deletions.\n\n4. Notify me in writing of the results of your investigation.\n\nFailure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA. \n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-17T21:14:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23223","tags":null,"has_narrative":true,"complaint_id":"11192963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CARVANT FINANCIAL LLC","date_received":"2024-12-17T21:00:40.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Notify me in writing of the results of your <em>investigation</em>.\n\nFailure to comply with these requests may result in a formal complaint to the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) or legal <em>action</em> to <em>enforce</em> my rights under the FCRA. \n\nThank you for your prompt attention to this matter. I look forward to your timely response. \n\nSincerely, XXXX XXXX"],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[16.602531,"11192963"]},{"_index":"complaint-public-v1","_id":"13703725","_score":16.350536,"_source":{"product":"Debt or credit management","complaint_what_happened":"I am writing to file a formal complaint regarding the continued promotion and referral of services by XXXX XXXX through the XXXX XXXX XXXX \n\nAs you may know, XXXX XXXX and its parent company XXXX XXXX were subject to enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) in 2023, resulting in a {$2.00} XXXX judgment and a 10-year ban on telemarketing credit repair services. Despite these actions, I recently noticed that XXXX XXXX is still being promoted as a credit repair option on the XXXX XXXX website. \n\nI find this highly misleading to consumers, especially those who trust XXXX XXXX as a reputable platform for financial guidance. Promoting a company that has been sanctioned for deceptive practices could cause harm to unsuspecting users. \n\nI respectfully request that this issue be investigated, and that appropriate actions be taken to ensure transparency and consumer protection. \n\nSincerely","date_sent_to_company":"2025-05-25T15:41:50.000Z","issue":"Confusing or misleading advertising or marketing","sub_product":"Credit repair services","zip_code":"33145","tags":null,"has_narrative":true,"complaint_id":"13703725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"John C. Heath, Attorney at Law, PLLC","date_received":"2025-05-25T15:32:48.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I respectfully request that this issue be <em>investigated</em>, and that appropriate <em>actions</em> be taken to ensure transparency and <em>consumer</em> <em>protection</em>. \n\nSincerely"]},"sort":[16.350536,"13703725"]},{"_index":"complaint-public-v1","_id":"12784228","_score":16.291288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and unverifiable information on my Experian credit report. In light of the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), which filed a lawsuit against Experian for failing to properly investigate consumer disputes and allowing inaccurate information to remain on credit reports, I am requesting an immediate review and correction of my credit file in compliance with the Fair Credit Reporting Act ( FCRA ).","date_sent_to_company":"2025-04-02T23:53:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"12784228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-02T23:46:22.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In light of the recent <em>enforcement</em> <em>action</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ), which filed a lawsuit against Experian for failing to properly <em>investigate</em> <em>consumer</em> disputes and allowing inaccurate information to remain on credit reports, I am requesting an immediate review and correction of my credit file in compliance with the Fair Credit Reporting Act ( FCRA )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"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 report"]},"sort":[16.291288,"12784228"]},{"_index":"complaint-public-v1","_id":"7233503","_score":16.270813,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to further emphasize the complaint I lodged against Title Max for their violations of the specific provisions outlined in 15 USC 1666 - Correction of Billing Errors Sections A, B, C, D, and E. In addition to the violations previously mentioned, I want to bring to your attention that Title Max is attempting to collect funds related to the billing error and has placed my vehicle in repossession status based on my refusal to pay disputed funds.\n\nBelow, I have included each section of 15 USC 1666 that Title Max has violated : Section A - Prompt Notification of Billing Errors : Title Max failed to promptly notify me of ststus billing errors identified in my account. Section A states, \" If a creditor receives a billing error notice ... the creditor shall acknowledge receipt of the notice in writing within 30 days of receiving it unless the action required is taken within that period ; and conduct a reasonable investigation of the alleged billing error. '' Section B - Investigation and Resolution of Billing Errors : Title Max neglected to conduct a thorough investigation into the billing errors I reported. Section B states, \" After receiving a billing error notice ... a creditor shall ... make appropriate corrections in the account of the consumer or send a written explanation or clarification to the consumer... provide the consumer with a written explanation of the results of the investigation and, if the investigation reveals that an error occurred, make the appropriate corrections to the consumer 's account. '' Section C - Crediting of Payments and Resolution of Disputes : Title Max has attempted to collect funds related to the billing error and has placed my vehicle in repossession status based on my refusal to pay disputed funds. Section C states, \" If a consumer, in good faith, complies with the requirements imposed on a consumer... the creditor may not take any action ... to collect the amount in dispute ... during the pendency of the investigation and one subsequent billing cycle ... and shall not impose any charge on the consumer... with respect to the amount. '' Section D - Protection of Consumer 's Account : Title Max has initiated repossession proceedings against my vehicle despite the ongoing billing errors and my objection to paying those amounts. Section D states, \" If a creditor has reason to believe that a transaction has been or may be affected by unauthorized use of a credit card ... the creditor may not take any action ... and shall not impose any charge on the consumer... except that if the cardholder furnishes the creditor with evidence of theft, loss, or unauthorized use of the credit card, the liability of the cardholder shall not exceed {$0.00}. '' Section E - Enforcement and Remedies : Title Max 's actions violate the enforcement and remedies provided under Section E. Section E states, \" Any creditor who fails to comply with any requirement ... FORFIETS THE RIGHT TO COLLECT FROM THE OBLIGITOR and shall be liable to the cardholder in an amount equal to the sum of any actual damage sustained by the cardholder as a result of the failure and, in the case of any successful action to enforce the foregoing liability, the costs of the action together with reasonable attorney fees as determined by the court. '' I kindly request that the Consumer Financial Protection Bureau includes this additional violation in your investigation and takes appropriate action to ensure that Title Max ceases all collection efforts related to the disputed funds and immediately halts the repossession proceedings against my vehicle. Moreover, I urge the Bureau to enforce the necessary remedies and sanctions to hold Title Max accountable for their wrongful actions.\n\nEnclosed with this letter, you will find additional documentation, including correspondence, statements, and any relevant evidence, which supports my claim that Title Max is attempting to collect funds despite the ongoing dispute and has initiated repossession proceedings against my vehicle. These documents serve as further evidence of Title Max 's persistent violations of 15 USC 1666 and their disregard for consumer rights.\n\nI want to bring to your attention that Title Max has blocked my access to my online account, leading to further consequences for their violation of consumer rights.\n\nTitle Max 's decision to block my access to my online account is a direct violation of Section B of 15 USC 1666, which requires the creditor to make appropriate corrections to the consumer 's account and provide a written explanation or clarification of the billing errors. By impeding my access, Title Max has prevented me from monitoring and managing my account, hindering my ability to address the disputed billing errors and seek appropriate resolutions.\n\nIn light of Title Max 's violation, it is essential to note that they can not recover or take any adverse actions against me based on this violation. According to Section E of 15 USC 1666, any creditor who fails to comply with the requirements of the statute is liable to the consumer for any actual damages sustained as a result of the violation. Therefore, any attempts by Title Max to enforce collection efforts, impose charges, or pursue repossession based on the disputed funds would be invalid and further violations of the law.\n\nI kindly request that the Consumer Financial Protection Bureau includes this information in your investigation and takes appropriate action to ensure that Title Max refrains from any adverse actions against me based on the blocked access to my online account. Additionally, I urge the Bureau to enforce the necessary remedies and sanctions to hold Title Max accountable for their violations and to prevent any further adverse consequences on my account.\n\nI appreciate your attention to this matter and your efforts to protect consumers from the unfair practices of financial institutions. I trust that the Consumer Financial Protection Bureau will thoroughly investigate Title Max 's actions, ensuring that they are held accountable for their violations and that appropriate remedies are provided to rectify the situation.\n\nThank you for your continued support, and I eagerly await a swift resolution and the restoration of my consumer rights in this matter.","date_sent_to_company":"2023-07-11T07:13:23.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"312XX","tags":null,"has_narrative":true,"complaint_id":"7233503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TMX Finance LLC","date_received":"2023-07-11T05:52:21.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Therefore, any attempts by Title Max to <em>enforce</em> collection efforts, impose charges, or pursue repossession based on the disputed funds would be invalid and further violations of the law.\n\nI kindly request that the <em>Consumer</em> Financial <em>Protection</em> Bureau includes this information in your <em>investigation</em> and takes appropriate <em>action</em> to ensure that Title Max refrains from any adverse <em>actions</em> against me based on the blocked access to my online account."]},"sort":[16.270813,"7233503"]},{"_index":"complaint-public-v1","_id":"12785768","_score":16.251928,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and unverifiable information on my XXXX credit report. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), which fined XXXX {$15.00} XXXX for failing to properly investigate consumer disputes and allowing inaccurate information to remain on credit reports, I am requesting an immediate review and correction of my credit file in compliance with the Fair Credit Reporting Act ( FCRA ).","date_sent_to_company":"2025-04-02T23:17:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"12785768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-02T23:05:37.000Z","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":["Given the recent <em>enforcement</em> <em>action</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ), which fined XXXX {$15.00} XXXX for failing to properly <em>investigate</em> <em>consumer</em> disputes and allowing inaccurate information to remain on credit reports, I am requesting an immediate review and correction of my credit file in compliance with the Fair Credit Reporting Act ( FCRA )."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.251928,"12785768"]},{"_index":"complaint-public-v1","_id":"16520502","_score":16.248102,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, Suncoast Credit Union improperly deposited a {$37000.00} check made payable to XXXX XXXX XXXX into my XXXX XXXX XXXX XXXX XXXX account. When I filed a fraud affidavit to report this error, branch XXXX XXXX XXXX notarized the document herself. \n\nHowever, when law enforcement contacted Suncoast about the matter, bank representatives falsely told XXXX XXXX XXXX that they never received my fraud affidavit. This deliberate false statement to law enforcement was made despite Suncoast possessing the original document notarized by their own employee. \n\nThis false statement caused me to be threatened with arrest within XXXX hours and subjected me to criminal investigation for fraud that I did not commit. The banks error was compounded by their deliberate deception of law enforcement. \n\nAs a certified government XXXX, these false fraud allegations have severely damaged my business reputation and ability to secure contracts. The banks conduct violates multiple federal banking regulations and consumer protection laws. \n\nI am seeking investigation of Suncoasts practices and appropriate regulatory action to prevent similar misconduct toward other customers.\n\nDesired Resolution : Full investigation of Suncoasts customer complaint procedures Regulatory action to prevent false statements to law enforcement Compensation for damages caused by their misconduct Implementation of proper oversight procedures","date_sent_to_company":"2025-10-14T12:49:49.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"33610","tags":null,"has_narrative":true,"complaint_id":"16520502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNCOAST CREDIT UNION","date_received":"2025-10-11T21:00:44.000Z","state":"FL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The banks error was compounded by their deliberate deception of law <em>enforcement</em>. \n\nAs a certified government XXXX, these false fraud allegations have severely damaged my business reputation and ability to secure contracts. The banks conduct violates multiple federal banking regulations and <em>consumer</em> <em>protection</em> laws. \n\nI am seeking <em>investigation</em> of Suncoasts practices and appropriate regulatory <em>action</em> to prevent similar misconduct toward other customers."]},"sort":[16.248102,"16520502"]},{"_index":"complaint-public-v1","_id":"11051656","_score":16.180656,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Grievance Consumer Protection Violations, Identity Theft, and Breach of Privacy by Consumer Reporting Agencies To Whom It May Concern, This is a formal grievance requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate enforcement actions to address egregious violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and identity theft protections. This grievance also highlights systemic failures by consumer reporting agencies to protect private property and ensure transparency and accountability in their practices. Background of the Issue : I have been a victim of identity theft, which resulted in the unauthorized use of my Social Security account and private information. Due to the failure of consumer reporting agencies to safeguard my data, I was forced to cancel my Social Security account to prevent further abuse and fraud. Despite this, consumer reporting agencies allowed companies with no authorization or accountability to access and use my consumer report. These companies, which failed to validate alleged debts as required by law, were permitted to unlawfully obtain and use my private property for their benefit. The actions of these entities demonstrate a lack of transparency and a profit-driven practice of selling consumer reports to unverified companies, putting consumers at grave risk of financial and personal harm. Violations : Unauthorized Access to Private Property : Consumer reporting agencies sold or provided my consumer report to companies that lacked any lawful basis to access or use it. This is a clear violation of FCRA provisions and my privacy rights. Failure to Protect Sensitive Information : By allowing repeated unauthorized access to my consumer report, the agencies failed to fulfill their duty to safeguard my private property and personal data. Systemic Lack of Accountability and Transparency : The agencies profited by selling my consumer report to unverified entities without ensuring compliance with legal requirements, prioritizing profit over consumer protection. Forced Cancellation of Social Security Account : Due to the misuse of my Social Security account and private information, I was forced to cancel it, further demonstrating the systemic failures of these agencies to protect victims of identity theft. Request for Enforcement Actions : I demand that the CFPB enforce consumer protection laws and take the following actions immediately : 1. Investigate and Sanction Consumer Reporting Agencies : Launch an investigation into the agencies practices of selling consumer reports without proper authorization or verification. Impose strict penalties for these violations. 2. Hold Agencies Accountable for Privacy Breaches : Require these agencies to implement robust protections to prevent the sale of consumer reports to unauthorized entities, with a full audit of their practices. 3. Compel Validation of Alleged Debts : Ensure that all companies accessing consumer reports provide legal validation of any alleged debts, including original signed agreements and affidavits under penalty of perjury. 4. Mandate Transparency and Accountability : Require consumer reporting agencies to disclose all entities to whom my consumer report was sold or shared, along with the basis for such actions. 5. Provide Remediation for Identity Theft Victims : Establish stronger protections for identity theft victims, including enhanced monitoring, expedited removal of disputed debts, and clear accountability measures for reporting agencies. Legal Basis : The unauthorized access and use of my consumer report by entities that failed to validate alleged debts is a direct violation of the FCRA and my constitutional rights to privacy and due process. The FDCPA mandates proper debt validation before any collection activity, and the agencies actions contravened this requirement by enabling unverified companies to act without oversight. The systemic sale of private property ( consumer reports ) to unauthorized companies constitutes a breach of fundamental privacy protections and consumer trust. Conclusion : This grievance underscores the failures of consumer reporting agencies to protect my personal information, ensure lawful access, and operate with transparency. These failures have caused significant harm, including the forced cancellation of my Social Security account and the continued misuse of my consumer report. I demand immediate action from the CFPB to address these violations, enforce compliance, and safeguard the rights of consumers. Thank you for your attention to this urgent matter. I look forward to your response and the resolution of these issues. Sincerely, XXXX XXXX XXXX, Trustee of Declaration of Trust Dated XX/XX/2024 All Rights Reserved.","date_sent_to_company":"2024-12-06T21:20:21.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"11051656","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-06T21:18:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Request for <em>Enforcement</em> <em>Actions</em> : I demand that the CFPB <em>enforce</em> <em>consumer</em> <em>protection</em> laws and take the following <em>actions</em> immediately : 1. <em>Investigate</em> and Sanction <em>Consumer</em> Reporting Agencies : Launch an <em>investigation</em> into the agencies practices of selling <em>consumer</em> reports without proper authorization or verification. Impose strict penalties for these violations. 2."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"]},"sort":[16.180656,"11051656"]},{"_index":"complaint-public-v1","_id":"11058338","_score":16.16083,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Grievance Consumer Protection Violations, Identity Theft, and Breach of Privacy by Consumer Reporting Agencies To Whom It May Concern, This is a formal grievance requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate enforcement actions to address egregious violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and identity theft protections. This grievance also highlights systemic failures by consumer reporting agencies to protect private property and ensure transparency and accountability in their practices. \n\nBackground of the Issue : I have been a victim of identity theft, which resulted in the unauthorized use of my Social Security account and private information. Due to the failure of consumer reporting agencies to safeguard my data, I was forced to cancel my Social Security account to prevent further abuse and fraud. \nDespite this, consumer reporting agencies allowed companies with no authorization or accountability to access and use my consumer report. These companies, which failed to validate alleged debts as required by law, were permitted to unlawfully obtain and use my private property for their benefit. \nThe actions of these entities demonstrate a lack of transparency and a profit-driven practice of selling consumer reports to unverified companies, putting consumers at grave risk of financial and personal harm. \n\nViolations : Unauthorized Access to Private Property : Consumer reporting agencies sold or provided my consumer report to companies that lacked any lawful basis to access or use it. This is a clear violation of FCRA provisions and my privacy rights. \nFailure to Protect Sensitive Information : By allowing repeated unauthorized access to my consumer report, the agencies failed to fulfill their duty to safeguard my private property and personal data. \nSystemic Lack of Accountability and Transparency : The agencies profited by selling my consumer report to unverified entities without ensuring compliance with legal requirements, prioritizing profit over consumer protection. \nForced Cancellation of Social Security Account : Due to the misuse of my Social Security account and private information, I was forced to cancel it, further demonstrating the systemic failures of these agencies to protect victims of identity theft. \n\nRequest for Enforcement Actions : I demand that the CFPB enforce consumer protection laws and take the following actions immediately : XXXX. Investigate and Sanction Consumer Reporting Agencies : Launch an investigation into the agencies practices of selling consumer reports without proper authorization or verification. Impose strict penalties for these violations. \nXXXX. Hold Agencies Accountable for Privacy Breaches : Require these agencies to implement robust protections to prevent the sale of consumer reports to unauthorized entities, with a full audit of their practices. \nXXXX. Compel Validation of Alleged Debts : Ensure that all companies accessing consumer reports provide legal validation of any alleged debts, including original signed agreements and affidavits under penalty of perjury. \nXXXX. Mandate Transparency and Accountability : Require consumer reporting agencies to disclose all entities to whom my consumer report was sold or shared, along with the basis for such actions. \nXXXX. Provide Remediation for Identity Theft Victims : Establish stronger protections for identity theft victims, including enhanced monitoring, expedited removal of disputed debts, and clear accountability measures for reporting agencies. \n\nLegal Basis : The unauthorized access and use of my consumer report by entities that failed to validate alleged debts is a direct violation of the FCRA and my constitutional rights to privacy and due process. \nThe FDCPA mandates proper debt validation before any collection activity, and the agencies actions contravened this requirement by enabling unverified companies to act without oversight. \nThe systemic sale of private property ( consumer reports ) to unauthorized companies constitutes a breach of fundamental privacy protections and consumer trust. \n\nConclusion : This grievance underscores the failures of consumer reporting agencies to protect my personal information, ensure lawful access, and operate with transparency. These failures have caused significant harm, including the forced cancellation of my Social Security account and the continued misuse of my consumer report. I demand immediate action from the CFPB to address these violations, enforce compliance, and safeguard the rights of consumers. \n\nThank you for your attention to this urgent matter. I look forward to your response and the resolution of these issues. \n\nSincerely, XXXX XXXX XXXX, Trustee of Declaration of Trust Dated XX/XX/year> All Rights Reserved.","date_sent_to_company":"2024-12-06T21:19:50.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"76542","tags":null,"has_narrative":true,"complaint_id":"11058338","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-06T21:05:40.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Request for <em>Enforcement</em> <em>Actions</em> : I demand that the CFPB <em>enforce</em> <em>consumer</em> <em>protection</em> laws and take the following <em>actions</em> immediately : XXXX. <em>Investigate</em> and Sanction <em>Consumer</em> Reporting Agencies : Launch an <em>investigation</em> into the agencies practices of selling <em>consumer</em> reports without proper authorization or verification. Impose strict penalties for these violations. \nXXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"sub_product":["Other personal <em>consumer</em> report"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.16083,"11058338"]},{"_index":"complaint-public-v1","_id":"14821771","_score":16.102394,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX RE : Formal Consumer Complaint - Violations of TILA, Regulation M, and Deceptive Lease Practices To Whom It May Concern : I am submitting this formal complaint regarding deceptive and abusive practices committed by American Honda Finance Corporation and its related entities, including Honda XXXX XXXX and XXXX XXXX  XXXX XXXX, XXXX. These practices violate the Truth in Lending Act ( TILA ), Regulation M, and related consumer protection standards. \nKey Allegations : - Failure to disclose the lease 's securitization through Honda  Auto XXXX  XXXX Owner Trust. \n- Deceptive omission of the transfer of beneficial interest to a public ABS trust without consumer notice. \n- Enforcement of repossession in violation of a binding arbitration clause. \n- Misrepresentation of the legal entity with standing to enforce the lease. \n- Use of unlicensed entities to enforce a consumer contract in the State of Florida. \nThese actions constitute material non-disclosures and unfair practices under federal law and CFPB enforcement standards. \nI respectfully request the CFPB investigate this matter, assist in restoring my rights, and consider administrative enforcement against the responsible parties. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : - Lease Agreement - Arbitration Clause - Securitization Audit - Complaint Narrative and Timeline","date_sent_to_company":"2025-07-23T23:20:01.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"14821771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2025-07-23T23:06:48.000Z","state":"FL","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["- Use of unlicensed entities to <em>enforce</em> a <em>consumer</em> contract in the State of Florida. \nThese <em>actions</em> constitute material non-disclosures and unfair practices under federal law and CFPB <em>enforcement</em> standards. \nI respectfully request the CFPB <em>investigate</em> this matter, assist in restoring my rights, and consider administrative <em>enforcement</em> against the responsible parties."]},"sort":[16.102394,"14821771"]},{"_index":"complaint-public-v1","_id":"21866264","_score":16.084076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.","date_sent_to_company":"2026-05-04T21:04:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"21866264","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-05-04T21:01:34.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Recent <em>enforcement</em> <em>actions</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) against XXXX XXXX and TransUnion have highlighted widespread noncompliance with federal law, including inadequate <em>investigations</em>, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These <em>actions</em> demonstrate the harm <em>consumers</em> face when inaccurate or unverified information remains on their credit files."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"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":[16.084076,"21866264"]},{"_index":"complaint-public-v1","_id":"19356247","_score":16.084076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular 2022-07 makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.","date_sent_to_company":"2026-02-09T16:52:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33326","tags":null,"has_narrative":true,"complaint_id":"19356247","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-02-09T16:50:13.000Z","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":["Recent <em>enforcement</em> <em>actions</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) against XXXX, XXXX, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate <em>investigations</em>, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These <em>actions</em> demonstrate the harm <em>consumers</em> face when inaccurate or unverified information remains on their credit files."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"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":[16.084076,"19356247"]},{"_index":"complaint-public-v1","_id":"19038705","_score":16.084076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The XXXX enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies XXXX not impose unreasonable barriers to a consumers right to dispute under XXXX XXXX. XXXX. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.","date_sent_to_company":"2026-01-27T16:16:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"19038705","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-01-27T16:15:53.000Z","state":"PA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Recent <em>enforcement</em> <em>actions</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate <em>investigations</em>, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These <em>actions</em> demonstrate the harm <em>consumers</em> face when inaccurate or unverified information remains on their credit files."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.084076,"19038705"]},{"_index":"complaint-public-v1","_id":"18984730","_score":16.084076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.","date_sent_to_company":"2026-01-24T21:30:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92592","tags":null,"has_narrative":true,"complaint_id":"18984730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-01-24T21:29:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Recent <em>enforcement</em> <em>actions</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate <em>investigations</em>, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These <em>actions</em> demonstrate the harm <em>consumers</em> face when inaccurate or unverified information remains on their credit files."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"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":[16.084076,"18984730"]},{"_index":"complaint-public-v1","_id":"22225519","_score":16.079786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.","date_sent_to_company":"2026-05-15T00:27:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"953XX","tags":null,"has_narrative":true,"complaint_id":"22225519","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-05-15T00:22:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Recent <em>enforcement</em> <em>actions</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) against XXXX XXXX and TransUnion have highlighted widespread noncompliance with federal law, including inadequate <em>investigations</em>, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These <em>actions</em> demonstrate the harm <em>consumers</em> face when inaccurate or unverified information remains on their credit files."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"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":[16.079786,"22225519"]},{"_index":"complaint-public-v1","_id":"19563680","_score":16.079786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian , XXXX, and XXXX  have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.","date_sent_to_company":"2026-02-17T19:14:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77477","tags":null,"has_narrative":true,"complaint_id":"19563680","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2026-02-17T19:11:59.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Recent <em>enforcement</em> <em>actions</em> by the <em>Consumer</em> Financial <em>Protection</em> Bureau ( CFPB ) against Experian , XXXX, and XXXX  have highlighted widespread noncompliance with federal law, including inadequate <em>investigations</em>, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. 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This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.","date_sent_to_company":"2025-06-20T10:01:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53216","tags":null,"has_narrative":true,"complaint_id":"14203726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-20T08:10:59.000Z","state":"WI","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":["As the FTC is charged with <em>enforcing</em> federal <em>consumer</em> <em>protection</em> laws, I am requesting immediate <em>action</em> to <em>investigate</em> and remedy this unauthorized activity."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"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 report"]},"sort":[16.078342,"14203726"]},{"_index":"complaint-public-v1","_id":"14164509","_score":16.078342,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. 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