{"took":173,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":121,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16038853","_score":17.989618,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year> I received a fraud alert from Navy Federal regarding a charge they believed to be suspicious. I called Navy Federal within minutes and filed a claim for a pending charge of {$510.00} and informed the representatives that the charge for {$690.00} was also unauthorized. \n\nProvisional credit was provided to me and my card was deactivated.\n\nOn the same day I went to the NCFU location on XXXX XXXX to obtain a new card. \n\nA couple days later I called NFCU to inquire about any additional action that had been taken and was told the issue had been resolved and I should receive communication by mail informing me of the outcome. \n\nOn XX/XX/year> I reviewed my account and noticed that the provisional credit was reversed on XX/XX/year> and when I called NFCU to inquire that told me that I could file an appeal but that was the only recourse I had. They were not able to provide me with an oral statement of the findings and I requested a copy of the initial investigation. To date I have not received a copy of the report requested. On XX/XX/year> I filed an appeal online and in person at the NFCU XXXX location. Additionally I filed a report with the XXXX XXXX XXXX XXXX. \nCase XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX It had been sixty days since I filed the initial claim on XX/XX/year>. \n\nFailed to conduct a reasonable investigation of my claim ( 1005.11 ( c ) ( 1 ) ).\n\nFailed to provide a written explanation of findings and the right to request supporting documents ( 1005.11 ( d ) ).\n\nFailed to honor consumer liability protections for unauthorized electronic fund transfers ( 1005.6 ).\n\nConsumer Financial Protection Bureau guidance clearly states that financial institutions can not deny a claim without a reasonable investigation and must explain their determination in writing. Similar failures have resulted in enforcement actions, such as the CFPB 's consent orders against major financial institutions for mishandling Regulation E error resolution claims.","date_sent_to_company":"2025-09-18T02:14:39.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78253","tags":"Servicemember","has_narrative":true,"complaint_id":"16038853","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-09-18T00:52:27.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["On the <em>same</em> day I went to the NCFU location on XXXX XXXX to obtain a new card. \n\nA couple days later I called NFCU to inquire about any additional action that had been taken and was told the issue had been resolved and I should receive communication by mail <em>informing</em> me of the <em>outcome</em>."]},"sort":[17.989618,"16038853"]},{"_index":"complaint-public-v1","_id":"7005095","_score":14.688508,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I transferred money from my XXXX  to my Wise account. XXXX  claims the money was transferred and received. Wise claims the transfer was canceled. But my money was not returned to XXXX if canceled, and Wise has not credited the transfer to the account. XXXX  claims no mistakes were made on their part. That leaves Wise receiving my funds and not crediting them to my account. \n\nWise required proof of payment from XXXX. I submitted my XXXX XXXX statement. This was not acceptable proof. This information from XXXX should serve as proof. My complaint to CFPB against XXXX. They have cleared their end of this transaction. This still leaves me missing my funds which Wise claims was cancelled and never deposited. See CFPB Complaint : COMPLAINT ID XXXX SUBMITTED ON XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Other transaction problem Response from XXXX  Bank Thank you for bringing this issue to our attention. Based on what you've told us, it seems that you were expecting a withdrawal from your XXXX account to be deposited into a personal external account, but you haven't received the funds yet. Our investigation shows that you opened an account with us on XXXX. On XXXX you contacted our customer support via mobile chat about a withdrawal of {$1800.00}, and our support agent informed you that it was debited from your account on XX/XX/. On XX/XX/, you reached out to our support team again via mobile chat and reported that you transferred money to your Wise account, but the funds never arrived. Our agent filed an ACH dispute on your behalf that same day, and the dispute information was forwarded to our ACH dispute agents for investigation. On XXXX you forwarded an email from Wise to our customer support, stating that your transfer of {$1800.00} USD to EUR had been canceled and the funds were not received. Our support agent provided you with your XXXX account statement, and our dispute team concluded their investigation, finding no error and informing you of this outcome on the same day. We provided you with the following information in our decision : XXXX XXXX ; Billing name and address match. Prior history with recipient. No ACH returns ; the XXXX number shows that funds were successfully deposited into the receiving account. Unfortunately, we are unable to issue a credit to you as a result of our investigation. Upon receiving your complaint, we reviewed your deposit settlement issue and confirmed with our partner bank that the funds were successfully deposited into the account you selected when you initiated the withdrawal. On XXXX our compliance agent provided proof of payment for the disputed transaction via email. We also received documents from you showing that a {$1800.00} USD to EUR transaction was canceled, but there is a discrepancy in the amount compared to the disputed transaction. We do not have evidence of an additional transaction in this amount debited from your account. Therefore, our decision of no error found remains the same. If you have new evidence to support your claim as it relates to a transaction for {$1800.00}, please submit it to our customer support for further review. If you have any questions, please don't hesitate to reach out to us at XXXX customer support. \n\n\nWise has not accepted any documentation as proof of payment. XXXX clearly states they paid the transfer. Wise clearly states they never received it and it was cancelled. I have not received this transfer. Wise has the proof it needs from XXXX, their investigation needs to find my transfer. These two banks have created the best scheme to take your money and hide, then claim no responsibility for the missing funds.","date_sent_to_company":"2023-05-20T09:52:38.000Z","issue":"Problem with customer service","sub_product":"Foreign currency exchange","zip_code":"33133","tags":null,"has_narrative":true,"complaint_id":"7005095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2023-05-20T09:31:51.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Our support agent provided you with your XXXX account statement, and our dispute team concluded their <em>investigation</em>, <em>finding</em> no <em>error</em> and <em>informing</em> you of this <em>outcome</em> on the <em>same</em> day. We provided you with the following information in our decision : XXXX XXXX ; Billing name and address match. Prior history with recipient. No ACH returns ; the XXXX number shows that funds were successfully deposited into the receiving account."]},"sort":[14.688508,"7005095"]},{"_index":"complaint-public-v1","_id":"6952825","_score":10.24797,"_source":{"product":"Checking or savings account","complaint_what_happened":"Included herein is the first complaint process and response : Inactive modal Consumer Financial Protection BureauStart a new complaint All complaints XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Checking or savings account ISSUE Managing an account We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT On XX/XX/XXXX a little after XXXX XXXX I went into my account to check my recent transactions when I noticed a purchase of {$95.00} that was placed on a website called XXXX I immediately clicked the transaction to see more info and it noted it was an apparel purchase. Knowing I myself have never even shopped at this place or even heard of it before, I Swiftly clicked the dispute transaction button and followed exactly what I was told by chime to do which included cutting off my bank card and ordering a new one, so that's what I did. After I received a reassurance message from them that they would be investigating this claim and that my new card would be on its way I felt confident this matter was going to be handled correctly. In the meantime I was issued a \" virtual temporary card '' to pay my bills and so forth. A day or two later I go to purchase groceries from XXXX XXXX XXXX using this temporary card and it was declined. I immediately call chime support and explain what happened and the woman at first didn't even understand the situation I described to her ( even though it was in detail exactly what happened to me and why I put a hold on my account cancelled my card etc. ) She tells me yes it was denied because there's a block on your account. I told her AGAIN yes I did that MYSELF because of the fraudulent charge I saw so I cancelled my bank card AS I WAS TOLD. After 3 times explaining this to her she says \" oh we didn't even get the request for a new card OR THE DISPUTE. '' Now mind you on my app it was telling me my new card was PROCESSING AND MY DISPUTE WAS BEING INVESTIGATED. I asked her what in the world is going on why was I being told two different things?? She told me don't worry I'll go ahead and put the dispute through for you, order your new card, and issue you a new temporary card. I told her ok great that's fine please do. Fast forward a few days later I check my app again just to see if there's an update. Surprisingly, there is but not a good one. My dispute had been closed by Chime saying no fraud was detected. At this point I'm feeling betrayed and frustrated. No fraud detected? So they're saying I did this? Why In the world would I put myself through having to cancel my pending bills and route them all to a temp card, and call a handful of different places, INCLUDING MY LANDLORD ( who only accepts CASH that I can not access because I have no physical card at the moment..which made my rent LATE by the way! )? Not to mention I had to pay an extra fee on my car note because I had to make it over the phone Instead of through my debit card on auto pay AND then have to worry about possibly not getting my Direct deposit from work!? IT MAKES NO SENSE. So at this point I'm almost livid. I call them back and ask them why my claim was denied. The lady tells me no worries we will submit a rebuttal and we will make sure we take care of this for you. I am in tears at this point simply because of frustration and honestly feeling like I've been violated and my money isn't protected the way it should be AS PROMISED. Still, I'm cordial and I ask her once again, am I safe am I protected and is this going to be taken care of correctly? She reassures me, yes. Fast forward once again to today. I receive an email from Chime saying once again there was no fraud detected and my case has been closed... Again. There was an option to email support for a copy of the \" documents '' they used in determining this so I told them Yes ID LIKE WLL OF THEM. I am currently sitting here feeling like taking my little XXXX XXXX dollars out and telling them to take a long walk off a short bridge, but I feel I need justice. If this happens to me over only {$95.00}, who else is this happening to or HAS this happened to? What about our rights and our voices? What about being an FDIC? THIS IS NOT OK. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Dear XXXX XXXX : Chime Financial Inc. ( Chime ) received the complaint you filed with the Consumer Financial Protection Bureau on XX/XX/XXXX. In your complaint you explained that you opened a dispute investigation for an unauthorized transaction that posted to your account, and you disagreed with the final determination of No Error Found. You asked that we refund your money. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FDIC. XXXX XXXX XXXX serves as the issuer of your Chime Checking Account that was opened on XX/XX/XXXX. On XX/XX/XXXX, you contacted us to report one ( 1 ) unauthorized transaction in the amount of {$95.00} had posted to your account. We filed a dispute and began an investigation into the matter. On XX/XX/XXXX, we concluded the investigation and based on the information available determined that no error occurred. An email notification was sent informing you of the outcome and that no credit would be posted. The same day, you asked that we reopen the claim. Additionally, you requested a copy of the documents we relied on in making our determination, which were forwarded to you via email on XX/XX/XXXX. On XX/XX/XXXX, we concluded our review of the rebuttal claim and notified you via email that we determined no error occurred. As a result, you requested a copy of the documents we relied on in making our determination, and they were forwarded to you via email on XX/XX/XXXX. Upon further review, we determined additional investigation of the dispute claim was warranted. On XX/XX/XXXX, we applied a provisional credit to your account for the full amount of the dispute. This temporary credit was provided to allow you full use of the funds while we complete our investigation. As a part of our dispute investigation, a chargeback may be requested by Chime. A chargeback is a request to the merchant, from Chime, to have the funds from a disputed transaction returned to the member. Merchants are able to reject chargebacks and can provide their own evidence to show that a transaction is valid. We expect to conclude our investigation no later than XX/XX/XXXX, and will notify you via email with our findings. Chime places great importance on providing an excellent customer experience. Please feel free to contact Chime Member Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team MONETARY RELIEF AMOUNT {$95.00} XXXX XXXX XXXXChime XXXX XXXX XXXX XXXX XXXX CHIME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nC Chime Member Services [ image : Chime ] This is an automated response to let you know your request has been received and is being reviewed by our Member Services team! To ... \nC Chime Member Services to me 1 day agoDetails Chime Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$95.00} XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. \n\nBased on our investigation, we have concluded that no error occurred. On XX/XX/XXXX, a temporary credit was posted to your account on a temporary basis until we completed our investigation. On XX/XX/XXXX, the temporary credit will be reversed and your account will be debited in the amount of {$95.00}. \n\nPlease ensure that there are sufficient funds in your account to cover the amount that will be debited, as well as any purchases or payments you plan to make. \n\nYou may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. \n\nThanks, Chime Dispute Team MY RESPONSE XX/XX/XXXX XXXX XXXX to XXXX 4  minutes agoDetails My response to your decision remains the same and I have several questions left unaddressed. I want to know why the ip address of the person who conducted this purchase was never investigated. I also would like to know why the shipping information of the goods in question was never provided. Where is the response from the company in question? I would like to receive all in email form within the next 5 days, and I will be opening another complaint with the consumer financial protection bureau. You are not allowed to debit this money from my account as the process is not yet closed for I will continue to fight this matter. Have a good day. \nComplaint id XXXX XXXX XXXX","date_sent_to_company":"2023-05-10T00:20:55.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"62901","tags":null,"has_narrative":true,"complaint_id":"6952825","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2023-05-10T00:14:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["We filed a dispute and began an <em>investigation</em> into the matter. On XX/XX/XXXX, we concluded the <em>investigation</em> and based on the information available determined that no <em>error</em> occurred. An email notification was sent <em>informing</em> you of the <em>outcome</em> and that no credit would be posted. The <em>same</em> day, you asked that we reopen the claim. Additionally, you requested a copy of the documents we relied on in making our determination, which were forwarded to you via email on XX/XX/XXXX."]},"sort":[10.24797,"6952825"]},{"_index":"complaint-public-v1","_id":"21633221","_score":9.340868,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Money transfer, virtual currency, or money service Issue Fraud or scam We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I am filing a complaint against PayPal regarding a {$750.00} balance they are attempting to collect from me following a confirmed fraud incident. \n\nI was the victim of an impersonation scam in which an individual falsely claimed to represent XXXX and instructed me to send money as part of a fake account verification process. This was not a legitimate transaction, and I was deceived into sending the funds. \n\nOnce I realized the situation, I immediately reported the issue. My bank conducted an investigation and determined the transaction was fraudulent, issuing a reversal in my favor. \n\nI provided XXXX with all supporting documentation, including screenshots clearly showing the impersonation and fraudulent communication. Despite this evidence, XXXX denied my claim and is now holding me responsible for the {$750.00}. \n\nI also attempted to investigate the transaction further with XXXX, the payment processor involved, but they required card details that XXXX refused to provide. This prevented me from pursuing that investigation and was beyond my control. \n\nAs a victim of fraud, I should not be held liable for funds obtained through deception. XXXX has failed to properly evaluate the evidence and is attempting to collect money that resulted from a scam. \n\nI am requesting that XXXX : Remove the {$750.00} balance from my account Conduct a proper fraud review of my case Provide written confirmation of their findings I have acted in good faith at every step and expect XXXX to uphold its responsibility to protect customers from fraud. \n\nXXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded XXXX XXXX responded on XX/XX/XXXX Response Type Closed with non-monetary relief Company 's Response I am writing on behalf of XXXX in response to your complaint to the Consumer Financial Protection Bureau. I understand being the victim of a scam would be concerning. Your complaint relates to payments you sent using your XXXX XXXX XXXX that you later reported were fraudulent. You requested reimbursement for the payments. I am happy to inform you that we have ceased collections efforts for your XXXX account as of XX/XX/XXXX. However, for reasons addressed further below, no reimbursement is being offered. XXXX XXXX records show that on XX/XX/XXXX, you initiated XXXX transfers totaling {$750.00} ( Transfers ) from your Visa debit card to your XXXX account. Later that same day, you sent two payments in the total amount of {$740.00} ( Payments ) to XXXX using your XXXX XXXX XXXX, which were funded using your XXXX account balance. On XX/XX/XXXX, you contacted XXXX and reported the Payments as unauthorized. In your report, you stated you made the Payments after being contacted by someone claiming to work for XXXX, with the promise that the money would be returned to you. This prompted us to initiate an investigation of the Payments. The investigation into your claim of unauthorized activity included looking at your XXXX account login history and payment history. On XX/XX/XXXX, we concluded our investigation and subsequently denied your claim, as we found no evidence that the Payments were unauthorized. We notified you of this outcome via email on this date. We made this decision because your account login activity remained consistent before, at the time, and after the Payments were initiated. On XX/XX/XXXX, XXXX received notification that chargebacks were filed with your debit card issuer against the Transfers, stating that the Transfers were unauthorized. It is important to note that when filing a chargeback, the card issuer, not XXXX, will determine who wins the chargeback. On XX/XX/XXXX, XXXX accepted the chargeback reversals from your card issuer. As such, {$750.00} was returned to your card issuer at that time. It is important to note that the Restricted Activities, Holds, and Other Actions We May Take section of the User Agreement, which you agreed to when creating your account, advises that you may not attempt to double dip during the course of a dispute by attempting to receive funds from both XXXX and the seller, bank or card issuer for the same transaction. As such, because XXXX determined you had received refunds for the Transfers but still used those same funds to complete the Payments, XXXX debited {$750.00} from your XXXX account on this same date, which left your account with a negative balance of {$750.00} The Selling & Accepting Payments section of the User Agreement also advises that a negative balance represents an amount that you owe to us and if you do not resolve it, XXXX may engage in collection efforts to recover the amount due from you. Accordingly, on XX/XX/XXXX, XXXX placed your account with XXXX XXXX in an effort to recover the negative balance. Resolution I am sorry for any difficulty the Payments have caused you, and I want to let you know that due to the concerns expressed in your complaint, XXXX recalled your account from XXXX XXXX and ceased all debt-recovery efforts as of XX/XX/XXXX. We have also conducted an additional review and confirmed no XXXX errors occurred when denying your claim. While I understand you sent the Payments at the request of a potentially fraudulent third party, it is important to note that intentionally sending payments, even when coerced into doing so under false pretense, is not a valid unauthorized claim reason. Therefore, while I understand this is not the answer you were seeking, we are declining your request for reimbursement. As such, because we determined that your current account debt is valid, you will be required to resolve the negative balance in order to continue using XXXX 's services. In hopes of helping you avoid these issues in the future, we have included reference materials discussing how to identify common scams, along with suspicious emails and sites, and how to avoid them. Please feel free to contact XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX if you have any questions or concerns or if we can be of further assistance. \nDESCRIPTION OF NON-MONETARY RELIEF I am happy to inform you that we have ceased collections efforts for your XXXX account as of XX/XX/XXXX. \nAttachments CFPB Response - Lukeheart ( XXXX ) .pdf ( XXXX KB ) What are common scams and how do I spot them.pdf ( XXXX MB ) Feedback requested Status Feedback requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX p.m. XXXX, Monday through Friday ( except federal holidays ). \nXXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2026-04-27T17:43:05.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"515XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21633221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2026-04-27T17:37:31.000Z","state":"IA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The <em>investigation</em> into your claim of unauthorized activity included looking at your XXXX account login history and payment history. On XX/XX/XXXX, we concluded our <em>investigation</em> and subsequently denied your claim, as we found no evidence that the Payments were unauthorized. We notified you of this <em>outcome</em> via email on this date. We made this decision because your account login activity remained consistent before, at the time, and after the Payments were initiated."]},"sort":[9.340868,"21633221"]},{"_index":"complaint-public-v1","_id":"4795800","_score":7.7260203,"_source":{"product":"Mortgage","complaint_what_happened":"Greetings, On XX/XX/XXXX I contact Selene Finance my mortgage lender and requested a forbearance. At the time I was two months behind in my mortgage. The call center representative checked to see if I was eligible for a forbearance and stated that I was and instructed me to download an application from the company website and submit. I was informed I would hear from Selene within a week. \n\nI asked if he would lead me to the document to download and he did. On XX/XX/XXXX I submitted a request for a forbearance via online email and certified mail with all requested attachments. \n\nI waited two weeks and when I did not hear anything, I called Selene Finance the week of XX/XX/XXXX and was inform my request for the forbearance was approved and I would be getting a package in the mail within another week. I waited more than a week and contact Selene Finance again and was surprised to learn I was not approved for the forbearance and that Selene has no record of my request for a forbearance. \n\nPlease see my letter dated XX/XX/XXXX requesting a forbearance. I did not attach the full document, but the letter that included the hardship clause stated why I needed the forbearance. \n\nThe call center representative proceeded to tell me that a loan modification was being processed and that it would take about 30 days to provide me an answer. I informed her that I did not ask for a loan modification and what happened. She said she did not know and I asked to speak to a loss mitigation specialist. I was informed the name was XXXX XXXX and that he was not available. I asked to leave a message. For more than two weeks I called several times a week to Mr. XXXX and was unsuccessful. I was told he was not in his office, in a meeting, and not available. To this day I have never spoken to Mr. XXXX. \n\nThe week of XX/XX/XXXX I spoke to a call center representative who informed me that I filled out a loan modification form and that is why it was processed. I informed her the loan modification form is the same form used to request loan modification, forbearance, deferral, etc. She said I was wrong and that I would hear from Selene via mail with the outcome of the review process. \n\nI again asked to speak to Mr. XXXX and received no answer. By this time I began submitting complaints online to customer service that my calls were never return from a loss mitigation officer. I would receive responses that they will review my concerns and notify me afterwards. \n\nEvery call to Mr. XXXX was my application was being reviewed and that I can leave a message. Unfortunately, I received a letter from Mr. XXXX on XX/XX/XXXX, but dated XX/XX/XXXX to provide additional information by XX/XX/XXXX. I could not understand why I received a letter after a deadline to to respond. I call Selene again, and got a call center representative that could not connect me to Mr. XXXX. I informed the call center representative that the additional information requested did not apply to me. \n\nA sample of the additional information request was tax returns, rent receipts and unemployment letter for my son. He is XXXX and I provided Selene with his XXXX letter and Food Stamp letter for XXXX. \nHis name is listed as a dependent on my tax returns so he is not employed, doesn't file taxes or collects rent receipts. I was asked similar questions of which I am self-employed, do not have W2 's and I file a schedule C for my business on my tax returns. \n\nI was not give any time at all to respond to Mr. XXXX by issuing his request on the XXXX of XXXX and giving me until XX/XX/XXXX but receiving the letter on XX/XX/XXXX. And again, he was not available for me to dispute the need for information that did not even apply to me. My application was therefore complete and should have been sent to review to the underwriter. Instead I was put in a bind from his error and to this day he has not owned up to his error. \n\nThe call center customer service representative agreed that those questions did not apply to me and for me to dispute them in an email to customer service in the form of a complaint. In addition, I asked the representative if I can do a repayment plan instead and that I had {$4000.00} to put toward my mortgage and was only short {$40.00} of which I could have easily paid and would only owe for the month of XXXX in the month of XXXX. My application stated that my need for relief was temporary. As of XX/XX/XXXX, my business started to slow down due a new variant and my customers became concerned and were awaiting to get the vaccine, so business was a little slow for me. As several months went by, as stated, business started picking up and I was in a position to meet my begin paying my mortgage. The reason I had not paid my mortgage was I was awaiting a forbearance and later was informed I was in a loan modification and awaiting the outcome. By XXXX I had XXXX - XX/XX/XXXX mortgage. \n\nThe call center representative informed me he could not accept payment from me because I was in foreclosure after my file closed. I was encouraged to submit another loan modification. For fear of more confusion, I submitted another loan modification but did not include my son. I was denied because I did not have enough income. \n\nAt this point my new point of contact was XXXX XXXX. He too never returned my calls and the call center representative filed an online complaint to customer service. He encourage me to file an appeal and that too was denied. When I called to question the appeal I was informed that the appeal was not an appeal for me to report wrong doing, but to substantiate that the underwriters did not make an error in the previous findings. I am now confused. \n\nAt no time did anyone give me other options when the first modification was turned down. I was led into foreclosure and now no one would talk me about options. I received letters each denial offering me a short sale or deed-in-lieu. And yet again, I am encouraged by the call center representative to submit another loan modification and if I received new income report that and it will go to review. I informed him my daughter lives with me for about 4 years and suggested I include her. My daughter pays the utilities and he instructed me to show her last two paystubs, proof of the utilities she pays and a hardship letter. This was all included along with my sons XXXX letter from Social Security. \n\nI no longer had confidence that Selene was acting in good faith on my behalf and I believe there is either a dysfunction in the office or a deliberate attempt to secure my property. Based on this discomfort, I contact my attorney to inform them that I submitted a third modification on XX/XX/XXXX and am unsuccessful speaking to a loss mitigation specialist. I am receiving instructions and corrections from call center representatives every time I call and they are all providing me different answers to my same questions and its very frustrating. My attorney sent a letter on my behalf instructing them to respond or risk a case against them and payment of all legal fees. \n\nPlease see Selene 's response letter to my attorney. In addition, please see letter dated XX/XX/XXXX where Selene is now offering me several options to get back on track with my mortgage. I am being offered a repayment plan, temporary forbearance plan or modification. In XXXX I was not offered anything to rectify my arrears and not one loan officer would speak to me. This letter was submitted to me by XXXX XXXX from the Loan Resolution Department. I asked to speak to her and was informed she was not available. It took 4 calls and a very determined call center representative to give me the number to her superior and I left a message with him. She called a day later with an attitude that she never heard from me. I informed her that the representative stated they were texting her and her boss messages to contact me. And that the last representative gave me her boss number and evidently he contacted her. \n\nOnce we got past that issue she checked my loan modification and informed me that I only needed a couple of corrections on two documents and my file was ready for the underwriter. She apologized for the confusion since XX/XX/XXXX and that she would follow my case and keep me posted. I never heard from her again. I received a letter dated XX/XX/XXXX that I would be hearing back from Selene on the modification by XX/XX/XXXX. \n\nI have not heard back from Selene and so I called several days ago only to hear my application has been denied due to excessive obligations to my income. I did not receive a letter via mail and only when I called a recording informed me my loan modification was denied and I spoke to call center representative name XXXX who submitted another formal complaint to customer service online, requested Selene send me a reinstatement plan that included attorney fees and a copy of the letter informing me the last loan modification was denied. She also stated that if I had new income to report I could do another loan modification or request a forbearance or deferral. I have not gone full circle with Selene being given the run around. \n\nThere is no consideration that all of my bank accounts showed steady balance of over {$2000.00} after expenses. My daughter 's bank account reflected sufficient income and she submitted one of her savings accounts with a balance of {$8000.00}. And my son receives {$770.00} a month from social security. \n\nMy mortgage is {$1100.00}. I am currently owing {$10000.00} of which I have. And yet I am only offered a short sale and deed-in-lieu. I do not have a lot of expenses. Since XXXX my monthly income to include my son and my daughter 's contribution is over {$5000.00} a month. My daughter is in a position to contribute more based on her income and stated she would to ensure we are meeting our housing obligation. She has received a raise over the last 120 days and as of XX/XX/XXXX, I entered into a new contract with my client paying me a {$3000.00} a month retainer for coordination and editing services. I have been with this company for 4 years and since COVID-19 along with several other corporate account my services was suspended. I received my first payment on XX/XX/XXXX via XXXX  to my business account. I informed Selene of this contract in XXXX via email with letter. XXXX retainer has increased due to added responsibilities. \n\nI have not been able to discuss any of this with an officer because no one will return my call. No one will give my promised options in the XX/XX/XXXX letter. I have been informed of this decision by another loan officer XXXX XXXX. Since XXXX I have had 4 loss mitigation officers to never return my calls. 16 call center customer service representatives giving me 16 different instructions on what to do to get my questions and concerns answered and to no avail. \n\nI will submit another request for a forbearance and I do have the resources to pay my rent. But I should not be asked to pay legal and additional fees to reinstate my loan from foreclosure status. There have been inaccuracies, poor communication, lack of professionalism, and downright poor customer service and treatment once I was informed there was no record of a forbearance. An unwillingness to investigate this error, ignore my customer service complaints by providing me form letters with absolutely no follow up, to refuse to accept payment after a known error was made and to finally 8 months letter send me a letter stating concern to assist me options when I was refused all other options accept short sale or deed-in-lieu. \n\nFinally to hold me accountable for legal fees when I received not one indication in XXXX, XXXX and XX/XX/XXXX that I was about to go into foreclosure if all arrears was not caught up while I am trying to get forbearance. And to mail a letter requesting information to complete the 1st application submitted in XXXX and waiting until XXXX to send me a letter requesting additional information after the XX/XX/XXXX deadline and then closing my case putting me in harms way. Why did it take Selene over two months to respond to my request in such a disturbing matter and punish me for it. \n\nI need your help because I believe I will receive a sale date in the very near future. My attorney is through XXXX XXXX and they pretty much prepare letters. I am not so sure what they will do and if they will pursue Selene and charge them all legal fees. I reached out to them a few days ago and have not heard back from my representative yet, however she advised me to file a complaint with your office and that she is very well aware of Selene 's reputation as a predatory lender. I honestly have to say I have never had a problem with Selene Finance. They have provided me several options over the years and I just do not know what happened to them. I do know that I looked at the reviews from their customers and see my problem is not new. \n\nPlease investigate this situation with Selene, I am in urgent need of your help. I am the XXXX of an adult son with XXXX XXXX XXXX and XXXX. Just XXXX alone he has been in the hospital twice as his XXXX has gotten XXXX. I need to focus my attention on my son 's health and my business which is doing well. I do not want to choose foreclosure as an option for Selene 's mishandling of my case. Its been a long and drawn out situation and time for a fair resolution. I have my mortgage money and should not be in foreclosure or subjected to pay fees because of their negligence. \n\nThank you for our help.","date_sent_to_company":"2021-10-12T07:49:27.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30034","tags":null,"has_narrative":true,"complaint_id":"4795800","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Selene Holdings LLC","date_received":"2021-10-12T01:35:25.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["An unwillingness to <em>investigate</em> this <em>error</em>, ignore my customer service complaints by providing me form letters with absolutely no follow up, to refuse to accept payment after a known <em>error</em> was made and to finally 8 months letter send me a letter stating concern to assist me options when I was refused all other options accept short sale or deed-in-lieu."]},"sort":[7.7260203,"4795800"]},{"_index":"complaint-public-v1","_id":"15695142","_score":6.670517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NY XXXX Date of Birth : XX/XX/year> SS XX/XX/XXXXXXXX Experian Experian P.O. XXXX XXXX XXXX, TX XXXX Dear Experian, To Whom It XXXX Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA XXXX ( XXXX XXXX. XXXX ) which requires the immediate removal of specified information within a strict XX/XX/XXXX-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XX/XX/XXXXXXXX Acct No : XXXX Bal : {$590.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This organization has clearly disregarded the regulations outlined in XXXXXX/XX/XXXXXXXX. I expected to be informed of this matter in writing at least XX/XX/XXXXdays in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object toXX/XX/XXXX or any type of automated verification. I expect a prompt and satisfactory response within XX/XX/XXXXdays of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX. ) XXXX XXXX code XXXX XXXX XXXX Misleading False Reporting As per the mandates delineated in XXXX XXXX Code XXXX ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NY XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA XXXX ( XX/XX/XXXXXXXX ) ( a ). XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) XXXX to decline or rescind. \n( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) XXXX to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-09-03T19:01:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"15695142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-03T18:39:12.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA XXXX ( XXXX XXXX. XXXX ) which requires the immediate removal of specified information within a strict XX/XX/XXXX-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly <em>investigate</em> these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.670517,"15695142"]},{"_index":"complaint-public-v1","_id":"15431872","_score":6.670517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date of Birth : XXXX SS # : XXXX Experian Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX  XXXX Bal : {$2300.00} As a consumer by law, this account must be deleted immediately. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX  Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-21T22:43:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"074XX","tags":null,"has_narrative":true,"complaint_id":"15431872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-21T22:28:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly <em>investigate</em> these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.670517,"15431872"]},{"_index":"complaint-public-v1","_id":"14691232","_score":6.670517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX Date of Birth : XX/XX/year> SS # : XXXX Experian Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\n1. Identity Theft XXXX XXXX Acct XXXX Bal : {$440.00} As a consumer by law, this account must be deleted immediately. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.\n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, Celenia Santos FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-16T13:40:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10034","tags":null,"has_narrative":true,"complaint_id":"14691232","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T13:29:28.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly <em>investigate</em> these matters and promptly address the disputed items. \n\n1."]},"sort":[6.670517,"14691232"]},{"_index":"complaint-public-v1","_id":"15193398","_score":6.6515675,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Experian XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX Acct XXXX XXXX : {$9800.00} As a consumer by law, this account must be deleted immediately. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. \n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. Kindly comply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-11T02:57:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08021","tags":null,"has_narrative":true,"complaint_id":"15193398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-11T02:52:19.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly <em>investigate</em> these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.6515675,"15193398"]},{"_index":"complaint-public-v1","_id":"15701773","_score":6.6474066,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> SS # : XXXX Experian Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly investigate these matters and promptly address the disputed items.\n\n1. Identity Theft XXXX XXXX XXXX Acct No : XXXX Bal : $ As a consumer by law, this account must be deleted immediately.\n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences.\n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. Kindly\ncomply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.\n\nThank you for your immediate attention to this matter. I anticipate a swift resolution.\n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, Celenia Santos FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-09-03T13:27:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10034","tags":null,"has_narrative":true,"complaint_id":"15701773","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-03T13:24:22.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly <em>investigate</em> these matters and promptly address the disputed items.\n\n1."]},"sort":[6.6474066,"15701773"]},{"_index":"complaint-public-v1","_id":"15558109","_score":6.6449947,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date of Birth : XX/XX/year> SS # : XXXX Experian Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear Experian, To Whom It XXXX Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA XXXX ( XXXX XXXX. XXXX ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\nPlease remove the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences.\n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX XXXXindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX. ) XXXX XXXX code XXXX XXXX XXXX Misleading False Reporting As per the mandates delineated in XXXX XXXX Code XXXX ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ). XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) XXXX to decline or rescind. \n( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) XXXX to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-27T21:00:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07871","tags":null,"has_narrative":true,"complaint_id":"15558109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-27T20:35:48.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA XXXX ( XXXX XXXX. XXXX ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly thoroughly <em>investigate</em> these matters and promptly address the disputed items."]},"sort":[6.6449947,"15558109"]},{"_index":"complaint-public-v1","_id":"14290223","_score":6.304496,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I just got this card, it hasn't even been a whole month yet, I have been diligently looking at my website for the information on the first bill statement, it says there is no statement generated yet. It also DOES NOT indicate in any way to me that a whole entire month and a week BEFORE there is a statement provided to me that they are going to report my statement balance to the credit bureaus. It is not lawful that they can report a statement balance when I haven't even been given a statement yet. That is against the law. I have not been notified of my statment yet, but yet you report to the bureaus a statement balance a whole month before I even have a statement? \nAdditionally, I have paid the balance making a {$500.00} payment. It is not lawful for them to report this as unpaid to the my credit reports for a whole month from now til XX/XX/XXXX which is my actual first statement to be produced. \n\nI want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nI expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. Kindly comply with this request promptly. Please note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. Thank you for your immediate attention to this matter. I anticipate a swift resolution. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-06-25T15:47:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"14290223","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T15:47:11.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the <em>same</em> manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block."]},"sort":[6.304496,"14290223"]},{"_index":"complaint-public-v1","_id":"14290224","_score":6.286228,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I just got this card, it hasn't even been a whole month yet, I have been diligently looking at my website for the information on the first bill statement, it says there is no statement generated yet. It also DOES NOT indicate in any way to me that a whole entire month and a week BEFORE there is a statement provided to me that they are going to report my statement balance to the credit bureaus. It is not lawful that they can report a statement balance when I haven't even been given a statement yet. That is against the law. I have not been notified of my statment yet, but yet you report to the bureaus a statement balance a whole month before I even have a statement? \nAdditionally, I have paid the balance making a {$500.00} payment. It is not lawful for them to report this as unpaid to the my credit reports for a whole month from now til XX/XX/XXXX which is my actual first statement to be produced. \n\nI want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. \nI expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX Kindly comply with this request promptly. Please note that it is necessary for you to complete this investigation within the given XXXX0-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. Thank you for your immediate attention to this matter. I anticipate a swift resolution. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-06-25T15:47:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"14290224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-25T15:47:11.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the <em>same</em> manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block."]},"sort":[6.286228,"14290224"]},{"_index":"complaint-public-v1","_id":"14292029","_score":6.2826796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I just got this card, it hasn't even been a whole month yet, I have been diligently looking at my website for the information on the first bill statement, it says there is no statement generated yet. It also DOES NOT indicate in any way to me that a whole entire month and a week BEFORE there is a statement provided to me that they are going to report my statement balance to the credit bureaus. It is not lawful that they can report a statement balance when I haven't even been given a statement yet. That is against the law. I have not been notified of my statment yet, but yet you report to the bureaus a statement balance a whole month before I even have a statement? \nAdditionally, I have paid the balance making a {$500.00} payment. It is not lawful for them to report this as unpaid to the my credit reports for a whole month from now til XX/XX/XXXX which is my actual first statement to be produced. \n\nI want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. \nI expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly. Please note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to XXXX or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. Thank you for your immediate attention to this matter. I anticipate a swift resolution. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXXXXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, Daychia Sledge FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-06-25T15:47:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"14292029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avant Holding Company, Inc.","date_received":"2025-06-25T15:18:05.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the <em>same</em> manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block."]},"sort":[6.2826796,"14292029"]},{"_index":"complaint-public-v1","_id":"14290225","_score":6.2803264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I just got this card, it hasn't even been a whole month yet, I have been diligently looking at my website for the information on the first bill statement, it says there is no statement generated yet. It also DOES NOT indicate in any way to me that a whole entire month and a week BEFORE there is a statement provided to me that they are going to report my statement balance to the credit bureaus. It is not lawful that they can report a statement balance when I haven't even been given a statement yet. That is against the law. I have not been notified of my statment yet, but yet you report to the bureaus a statement balance a whole month before I even have a statement? \nAdditionally, I have paid the balance making a {$500.00} payment. It is not lawful for them to report this as unpaid to the my credit reports for a whole month from now til XX/XX/XXXX which is my actual first statement to be produced. \n\nI want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. I am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request for the prompt correction of the negative data on said items to ensure the accuracy of my credit report. \nI expect the specified accounts to be promptly removed from my record. Please remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX Kindly comply with this request promptly. Please note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Please provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. Thank you for your immediate attention to this matter. I anticipate a swift resolution. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-06-25T15:47:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"14290225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-25T15:47:11.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the <em>same</em> manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block."]},"sort":[6.2803264,"14290225"]},{"_index":"complaint-public-v1","_id":"3297554","_score":6.2087545,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint regards US Bank/US Bank Home Mortgage/US Bank Escrow US Bank employee XXXX XXXX packed my mortgage with mortgage escrow services without informing me that the low rates he was quoting were contingent upon the loan having escrow services. He did this despite my informing him that we wanted a conventional mortgage with no added fees or escrow services. He concealed that fact that he intended the loan to have mortgage escrow services until I was fully engaged in a contract to purchase a home. Once I discovered that XXXX XXXX intended my loan to have escrow services, I immediately informed him in writing that I did not want escrow services. A conversation ensued, and I was told by Mr. XXXX that escrow services would be removed from the final loan paperwork. Despite my withholding of the signed mortgage application, Mr. XXXX authorized the ordering of an appraisal for the contract to purchase my home. I asked that the appraisal be postponed, but US Bank did not stop the appraisal. I identified multiple factual errors in this appraisal to Mr. XXXX, and he and US Bank refused to nullify the appraisal. The loan processing was not complete by the first closing date, and it was not complete by the extended closing date, and we were forced to either waive all contingencies to our earnest money or possibly loose the right to purchase the home due to these delays. A third closing date of XX/XX/XXXX was agreed upon by the sellers. XXXX XXXX did not send me the final loan documents for review prior to closing. He sent the documents to the title insurance company one day prior to closing on XX/XX/XXXX. My closing appointment on XX/XX/XXXX was my first opportunity to review the documents, including the new GFE that he had dated XX/XX/XXXX. I observed that Mr. XXXX had setup the new GFE to include escrow services despite our agreement that it would not. At closing, prior to signing the documents, the closing officer and I called and spoke to the loan processor, XXXX XXXX. My wife was also present for this phone call. I informed XXXX that my loan was not supposed to have escrow services attached. She told us that the GFE could not be changed without further delaying the closing date. I asked if we would be able to cancel the escrow account after the loan was processed, and if there would be any fees for cancelation. She informed us that the escrow services could be canceled/waived after the loan was active for 12 months. She stated that there was not fee to waive the escrow services. Her comments were supported by the loan documents, which also did not state that a fee would be required to cancel escrow services. We felt like we had no other choice but to proceed with the loan which included the GFE that Mr. XXXX had prepared despite this being against our wishes. I believe Mr. XXXX deliberately caused us to enter into a loan with escrow services for his own benefit, despite these services not being required or requested. We signed closing documents and paid our loan as agreed. In XXXX, XXXX I was told by a US Bank customer service/escrow representative that a fee of approximately {$1100.00} would be necessary in order to waive escrow services. I was told that the fee amounted to an interest penalty of 0.25 %. I told them that I had a no-penalty loan and that this fee was not enumerated in any agreement that I was given or signed at closing. I also told them that I had not been pleased with the accounting of the US Bank escrow department and provided a few specific examples. They told me that I could write or e-mail US Bank a complaint to seek a resolution. In XXXX, XXXX I wrote US bank to cancel my escrow account without a fee and explained how I was lead to believe by Mr. XXXX that escrow services would not be part of my final loan documentation, and that I was further told by Mr. XXXX loan processor after discovering the error at closing, that there would not be any fee associated with closing/waiving the escrow services. This e-mail was received by US Bank, but I did not receive a timely reply, so I contacted customer support. Customer support reviewed my loan history and submitted letter, and determined that I should not have been required to have escrow services, and that escrow services would be waived from my account without a fee. This phone call was on XX/XX/XXXX. I followed up with US Bank to make sure that this process was proceeding, and it was. I later discovered that the US Bank escrow department overturned this customer service decision and was still demanding I pay a fee to waive my escrow. US Bank failed to inform me of this decision until after they reported my account delinquent for under-funding their escrow. US Bank reported my account as delinquent to the credit bureaus despite my on-time payment as agreed by their decision on XX/XX/XXXX and specified in my mortgage note. The errors committed by US Bank have caused me significant consumer and personal harm. I have obliged to their process to resolve my compliant, yet US Bank has provided me with no resolution to remedy the harm they have caused. \n\nHere is the timeline of events since being told by US Bank that I owe them a fee to waive my escrow account in XX/XX/XXXX : XX/XX/XXXX : I sent the letter to US Bank complaints to cancel my escrow account. Following the letter, I kept receiving phone calls from USB that I was late for my payments. I used US Banks secure messaging system to inquire about this, and received a response from a US Bank customer service supervisor. I have saved a copy of this dialogue. \n\nXXXX XXXX XXXX, XXXX XXXX I received a phone call from US Bank XXXX and when I returned the call the agent claimed that I had not made my XXXX, XXXX payment. I explained that I had made the payment on XX/XX/XXXX and that I had written to cancel my escrow account and was waiting for confirmation for that to happen. When I got off the phone, I sent an e-mail through US Banks secure messaging system. I received a reply from US Bank employee XXXX XXXX on XX/XX/XXXX. I replied to Mr. XXXX on XX/XX/XXXX. The next day, after not receiving a reply, I called US Bank and asked to speak to a supervisor in the customer service department. I spoke to US Bank employees Briar ( ID # XXXX ) and XXXX ( ID # XXXX ) on XX/XX/XXXX. I explained everything above and pointed the agent to the XX/XX/XXXX letter I sent to cancel my escrow services. XXXX  and XXXX put me on hold for a long time, and then came back on the phone and apologized for the inconveniences this had caused me, and that my letter had been responded to on XX/XX/XXXX, but that the response was incorrect and that I was indeed not required to pay a fee to cancel my escrow service, that I was eligible to cancel the escrow services, and that he had made the appropriate changes to cancel my escrow services according to my written request while I was on the phone with him. He confirmed that the XXXX taxes would be paid out of escrow, the late fee would be reversed, and that my new payment amount for XXXX, XXXX and thereafter would be the principle and interest amount of {$2000.00}. After this lengthy phone call, I logged into the bank where I keep my checking account and made the change to my scheduled mortgage payment for XX/XX/XXXX and thereafter to be {$2000.00}. A few days later I received a copy of the referenced incorrect US Bank letter that was dated XXXX XXXX, XXXX. This letter and its conclusions was disregarded, because the customer service agent had reviewed its findings and overturned its outcome during my XX/XX/XXXX phone call. On XX/XX/XXXX I logged into US Bank to verify that the late fee had been reversed and that my property taxes were scheduled to be paid as promised during my XX/XX/XXXX phone call. Both things had happened, but I did not observe that my payment due amount had been changed to {$2000.00}, so I secure messaged Mr. XXXX to inquire when I should expect to see this change. On XX/XX/XXXX Mr. XXXX replied to my message saying that the The task to adjust the current payment is set to be complete by XX/XX/XXXX, however, these are normally carried out well before the expected due date. I understood this to mean that the matter was closed. I have a copy of Mr. XXXX secure messages. Multiple US Bank customer service employees have since corroborated these facts after reviewing my account notes. \n\nXXXX, XXXX through XXXX, XXXX I received no further written correspondence from US Bank through secure  messaging or mail. I received one phone call from US Bank from this period, which I returned or answered. The customer service agent calling me asked me about my payments. I informed them that US Bank canceled my escrow account on XX/XX/XXXX and asked that they refer to the information on my account and update their records. They apologized for the inconvenience and the call ended. Sometime following this call I decided to go by a local US Bank branch ( XXXX XXXX XXXX XXXX, XXXX, WA ) and I spoke with an employee named XXXX. I asked that she confirm that the changes from XX/XX/XXXX had taken place and that my account was updated. XXXX said that she saw where the changes were supposed to happen, but said they were not updated. She made a call and said that she would look into the matter further and get back to me once she had more information. \n\nXXXX, XXXX : I receive a letter in the mail from US Bank. The letter accused me of being delinquent on my mortgage payments and at risk for foreclosure proceedings. The document provided a phone number to call. I called the phone number immediately. I spoke to US Bank employee XXXX ( ID # XXXX ) who I reference in my XX/XX/XXXX response letter to US Bank. XXXX said that I had been reported to the credit bureaus, and that I should not have been reported based on the information he reviewed on my account. He said that US Bank did not take measures sufficient to insure contact with me during the prior months. He stated that a different department within US Bank should not have reversed the decision of the XX/XX/XXXX US Bank supervisor ( XXXX   or XXXX ) who had authority to make final changes to my account. This was a very long phone call. He said that I was not immediately in jeopardy of foreclosure proceedings, despite the letters warnings, and that I need to contact the US Bank escalation center in writing to state the errors that US Bank has made and that I had been harmed by US Banks failure to follow through with the promised of the XX/XX/XXXX customer service agents. XXXX did not advise me to change my monthly payment amount from the principle and interest amount. On XX/XX/XXXX I sent a complaint/error letter to the US Bank escalation center by e-mail. On XX/XX/XXXX I mailed a copy of the XX/XX/XXXX letter to the USB Escalation Center XXXX XXXX XXXX XXXX, MN XXXX. I asked the counter clerk to certify the letter, but he said that he could not certify or do delivery confirmation for that PO box because the zip code was for XXXX XXXX. I did not receive a response from the mailed letter. \n\nEarly XXXX, XXXX : I received calls from USB every other day while I was at work. Each call I answered, I informed them of the details of the conversation with XXXX, and told them that a letter had been sent to the US Bank Escalation who had not yet responded. US Bank sent a debt collector to my house on a Saturday XX/XX/XXXX. My XXXX children were in the living room just off the foyer and could hear the entire conversation the man was having with me as he accused me of not paying my mortgage. I informed him of the US Bank error details, and told him he was trespassing, he left. It was very menacing of US Bank to send a debt collector to my house given my payment history, credit worthiness, and the fact that at least two US Bank departments were in receipt of my letter stating I was disputing this delinquency. I wrote a subsequent complaint to US Bank which was e-mailed and I wrote a letter to MrXXXX XXXX urging him to correct this matter. \n\nXXXX XXXX, XXXX through Present : I have sent and received multiple letters to and from the US Bank complaint/escalation department. I have spoken to numerous US Bank employees whom have called or I have called back in response to a letter. I attempted to speak to a Complaint/Escalation center supervisor so that I could review the recycled nature of each of the letters I was receiving. I asked multiple times for US Bank employees to substantiate where I was every informed of a fee required to cancel me escrow service, or to substantiate why Mr. XXXX would have packed my mortgage loan with escrow services when I was placing 20 % as a down payment, had very good credit, and had directly told him that I did not want escrow services, none of the people I spoke with or received letters from would substantiate this. What several US Bank employees did substantiate was that the escrow account waiver should have been left in place following my XX/XX/XXXX phone conversation, and my account should have never been considered delinquent since my payments were made on-time every month based on the confidence that the US Bank employees would perform as promised following my XX/XX/XXXX encounter. I was sent a letter dated XX/XX/XXXX by US Bank that informed me that no further decision would be made regarding this compliant. I received a letter dated XX/XX/XXXX that stated I needed to pay thousands of dollars to US Bank in order for US Bank to release back to me the thousands of dollars that are in the escrow surplus. US Bank said in the same letter that I am no longer eligible to cancel my escrow service because they consider my account delinquent. \n\nOn XX/XX/XXXX I sent the following letter to US Bank and have received no response : US Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX Re : Account # XXXX US Bank Escalation/Error/Escrow Department, Regarding your XX/XX/XXXX certified letter dated XX/XX/XXXX, please read the following correspondence : I received an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX in the mail one week ago. It contained the following errors : 1. My XXXX hazard insurance was paid in full {$600.00} ( on XX/XX/XXXX, see enclosed XXXX receipt ), and US Bank made a duplicate payment of {$600.00} ( on XX/XX/XXXX, see enclosed XXXX receipt ) from funds that were allocated to satisfy my mortgage principle and interest. The US Bank agent that sent the duplicate funds to XXXX was reckless in their disbursement of my money, and they failed to perform the escrow analysis judiciously and correctly. Further, I have informed multiple US Bank customer service agents verbally and in writing that my XXXX taxes and insurance have been paid by myself as agreed by US Bank and myself in XX/XX/XXXX. I have returned the {$600.00} to US Bank Home Mortgage by check # XXXX. This amount is to be applied directly to my principle an interest payment. Any late fees that may have been caused by this error need to be reversed. \n\n2. My property taxes have been paid through XXXX, XXXX since XXXX of XXXX. There is no payment due in XXXX, XXXX. Again, the US Bank agent that prepared the Annual Escrow Account Disclosure Statement was reckless in their preparation of this statement dated XX/XX/XXXX. They have proposed to overcharge me in their miscalculation of the amount necessary to fund my taxes and insurance over the next 12 months. ( See the enclosed property tax receipt ). \n\n3. US Bank escrow account services were canceled for my mortgage account in XXXX, XXXX. The cancelation was for two reasons, 1 ) I did not ask for and was not required to have escrow services in the first place, and 2 ) The US Bank escrow service agents were hostile towards me regarding their errors. My cancelation was confirmed verbally and in writing in XXXX and XX/XX/XXXX by US Bank customer service agents. Following that time, US Bank has recklessly misapplied my principle and interest payment of {$2000.00} which has been paid on-time beginning in XX/XX/XXXX. I have not been delinquent with a single payment for my principle and interest or my taxes and hazard insurance. The continuation of US Bank taking money from my monthly principle and interest payment for the purpose of funding their escrow holdings represents a continuation of predatory lending practices by US Bank. I request that you immediately release any of my money that has been placed in suspense or that has been placed in the US Bank escrow account to fund my principle and interest balance of my mortgage. US Bank has had full knowledge that every payment I have made to US Bank since XX/XX/XXXX, was for the expressed purpose of funding the principle and interest of my home mortgage. \n\nMy XX/XX/XXXX principle and interest payment of {$2000.00} has been sent to US Bank Home Mortgage by check # XXXX. My mortgage account is fully funded. I request that you send an updated statement reflecting this fact and correct the US Bank errors. \n\nNAME SIGNED HERE ***end letter*** Even though I was explicit in my letter about how to apply this XXXX, XXXX payment, and I documented that no taxes or insurance were due until at least XXXX, XXXX, US Bank escrow removed over {$600.00} from my payment and placed the funds in their escrow account to further add to the surplus. They currently are holding over {$2200.00} in a suspense account and over {$4100.00} in an escrow account that should have never existed in the first place and was properly cancelled in XXXX, XXXX. \nWashington State has specific laws ( WAC 208-620-551, RCW 19.144.020, RCW 31.04.027 ) that prohibit financial institutions from treating consumers in a predatory and deceptive manor. The Washington State Department of Financial Institutions states  that Lending and mortgage origination practices become \" predatory '' when the borrower is led into a transaction that is not what they expected. US Bank was and continues to treat me in a predatory manor. \n\nUS Bank has continued to site the findings of their complaint department investigators as factual, when they are not. What MrXXXX XXXX represented internally to US Bank is not what he represented to me as a consumer. If a consumer calls a car dealer to ask about the price of a specific car, and the salesman then sends a written memo to his manager that the customer is going to come in and buy the upgrade package, that is just wishful thinking on behalf of the car salesman. The memo is not an agreement between the potential customer and the car dealer ; its just the car salesmens idea of what he hopes happens. In this case, Mr. XXXX intended to trap me into the escrow package by filling out GFE forms to his benefit, and he did not have my consent or agreement. \n\nIf I had been a consumer that needed or wanted escrow services, and I definitely was not, US Bank is still required by Washington State law to grant me a waiver of my escrow account without a fee as was decided on XX/XX/XXXX. I have reviewed the entire copy of the closing documents that US Bank mailed me this XXXX, XXXX, and there is no instance in which the document mentions that a fee is required to waive an escrow account. WAC 208-620-551 prohibits mortgage loan services from requiring or encouraging a borrower to : Agree to pay charges not enumerated in any agreement between the borrower and the lender, servicer, or owner of the loan This is just one example where US Bank is demanding a payment from me in violation of a law. \n\nI have documentation of the e-mails, signed agreements, and complaint letters mentioned in this statement.","date_sent_to_company":"2019-07-06T10:14:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"98604","tags":null,"has_narrative":true,"complaint_id":"3297554","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-07-06T09:58:58.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["US Bank said in the <em>same</em> letter that I am no longer eligible to cancel my escrow service because they consider my account delinquent."]},"sort":[6.2087545,"3297554"]},{"_index":"complaint-public-v1","_id":"15797843","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/year> SS # : XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX Whom It May Concern : Equifax, it is not a typical dispute regarding this matter. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. Identity Theft AVANT Acct No : XXXX Bal : {$22000.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove this inquiries from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report.\n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. Kindly comply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted according to this subsection within 5 business days post-completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, Christopher Hernandez FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, concerning any request for a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-09-08T17:57:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"15797843","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-08T17:51:21.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.0816917,"15797843"]},{"_index":"complaint-public-v1","_id":"15557432","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion XXXX To Whom It May Concern : Transunion , regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nPlease remove the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX  Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation.\n\nThank you. I assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-27T23:01:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07871","tags":null,"has_narrative":true,"complaint_id":"15557432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-27T21:04:23.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items."]},"sort":[6.0816917,"15557432"]},{"_index":"complaint-public-v1","_id":"15548188","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion XXXX To Whom It XXXX Concern : Transunion XXXX regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal : {$830.00} As a consumer by law, this account must be deleted immediately. \n\nEnclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals OfficXXXX, and the XXXX XXXX XXXX  Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. \n\nThank you. I assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so XXXX result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX abusive practices XXXX. ) XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports XXXX. ) XXXX XXXX code XXXX XXXX XXXX Misleading False Reporting As per the mandates delineated in XXXX XXXX Code XXXX ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said XXXX. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-27T19:01:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"10039","tags":null,"has_narrative":true,"complaint_id":"15548188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-27T18:57:31.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.0816917,"15548188"]},{"_index":"complaint-public-v1","_id":"15394095","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion XXXX To Whom It May Concern : Transunion XXXX regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA XXXX ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Acct No : Bal : {$2100.00} As a consumer by law, this account must be deleted immediately. \n\nRemove the following inquiries from my credit file : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the XXXX XXXX XXXX. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. \n\nThank you. I assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX agency Sincerely, XXXX XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) Authority to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the XXXX to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-20T18:24:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07201","tags":null,"has_narrative":true,"complaint_id":"15394095","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-20T18:18:09.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA XXXX ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.0816917,"15394095"]},{"_index":"complaint-public-v1","_id":"15313824","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Transunion, To Whom It May Concern : Transunion, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict XXXX-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX XXXX Acct No XXXX XXXX Bal : {$550.00} As a consumer by law, this account must be deleted immediately. \n\nRemove the following inquiries from my credit file XXXX XXXXXXXX XXXX XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX  days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the XXXX XXXX XXXX Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. \n\nThank you. I assure you that I am carefully documenting your conduct, especially your XXXX of XXXX. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within XXXX  days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of 15 U.S.C 1692g XXXX. ) 15 U.S.C 1692a abusive practices XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within XXXX business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\n\nMy contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Deposit Insurance Corporation XXXX XXXX Comptroller Of The Currency XXXX XXXX  Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) Authority to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-15T14:37:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32312","tags":null,"has_narrative":true,"complaint_id":"15313824","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-15T14:33:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict XXXX-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.0816917,"15313824"]},{"_index":"complaint-public-v1","_id":"15278193","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SS # : XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax, To Whom It May Concern : Equifax, it is not a typical dispute regarding this matter. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately. \n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items. \n\nXXXX. Identity Theft XXXX XXXX XXXX ACCT NoXXXX Bal : {$11000.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXXXXXX XXXX ACCT NoXXXX Bal : $ As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX XXXXXXXX ACCT NoXXXX Bal : {$76000.00} As a consumer by law, this account must be deleted immediately. \n\nXXXX. Identity Theft XXXX XXXX XXXX ACCT NoXXXX Bal : {$240.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report. \n\nThis organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least XXXX  days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given XXXX timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). \n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( XXXX ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction. \n\nXXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury XXXX. ) PENALTY OF PERJURY XXXX. ) Violations of 15 U.S.C 1692g XXXX. ) 15 U.S.C 1692a abusive practices XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( XXXX ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted according to this subsection within XXXX business days post-completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, Martha Rodriguez FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. \n\n( c ) Authority to decline or rescind. \n( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. \n\n( XXXX ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( XXXX ) ( B ) of this title. \n\n( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. \n\n( d ) Exception for resellers. \n\n( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. \n\n( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, concerning any request for a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. \n\n( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale. \n\n( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of the information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section XXXX ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-15T01:26:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10026","tags":null,"has_narrative":true,"complaint_id":"15278193","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-15T01:23:24.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items. \n\nXXXX."]},"sort":[6.0816917,"15278193"]},{"_index":"complaint-public-v1","_id":"15086686","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion , To Whom It May Concern : Transunion , regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation. \n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items.\n\n1. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal : {$57000.00} As a consumer by law, this account must be deleted immediately. \n\nXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity. \n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record. \n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX XXXX XXXX. Kindly comply with this request promptly. \n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation.\n\nThank you. I assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a\n) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes. \n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\n\nMy contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXXXXXX XXXX XXXXXXXX XXXX : Federal Trade Commission XXXX : XXXX XXXXXXXX XXXX XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs\n( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title\n, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-08-05T20:01:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"183XX","tags":null,"has_narrative":true,"complaint_id":"15086686","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-05T19:57:17.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report. \n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items.\n\n1."]},"sort":[6.0816917,"15086686"]},{"_index":"complaint-public-v1","_id":"14953761","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Transunion , To Whom It May Concern : Transunion , regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to make it clear that the entries in question have absolutely no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly conduct a thorough investigation into these matters and promptly address the disputed items.\n\n1. Identity Theft XXXX XXXX  Acct No : XXXX Bal : {$61000.00} As a consumer by law, this account must be deleted immediately. \n\n\nRemove the following inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement was not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences. I have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation.\n\nThank you. I assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post completion of said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.\n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, following the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-29T16:58:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"14953761","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T16:54:44.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly conduct a thorough <em>investigation</em> into these matters and promptly address the disputed items.\n\n1."]},"sort":[6.0816917,"14953761"]},{"_index":"complaint-public-v1","_id":"14928711","_score":6.0816917,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/year> SS # : XXXX Experian XXXX  XXXX XXXX XXXX, TX XXXX Dear Experian, To Whom It May Concern : Experian, regarding this matter, it is not a typical dispute. We expect immediate action as you are currently in violation.\n\nI am deeply disturbed by the act of identity theft that has occurred, and I kindly request the prompt removal of certain inaccurate data in my file, which has been affected by criminal activity. I want to clarify that the entries in question have no connection to any of my actions or approvals. Please remove this unfounded information immediately.\n\nI am extremely disappointed by the findings of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly investigate these matters and promptly address the disputed items. \n\n1. Identity Theft XXXX  XXXX Acct XXXX Bal : {$230.00} As a consumer by law, this account must be deleted immediately. \n\n2. Identity Theft XXXX XXXX Acct XXXX Bal : {$5100.00} As a consumer by law, this account must be deleted immediately. \n\n3. Identity Theft XXXX XXXX  XXXX XXXX Acct XXXX Bal : $ As a consumer by law, this account must be deleted immediately. \n\n4. Identity Theft XXXX XXXX XXXXXXXX Acct XXXX Bal : {$160.00} As a consumer by law, this account must be deleted immediately. \n\nPlease remove the following inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This organization has clearly disregarded the regulations outlined in 15 U.S.C. 1692G. I expected to be informed of this matter in writing at least 5 days in advance, but unfortunately, this requirement as not met. As the rightful owner of the debt, I have the sole authority to authenticate its validity.\n\nI hereby state that I do not acknowledge the validity of this debt. As a result, I expect the specified accounts to be promptly removed from my record.\n\nPlease remove the entry from my credit report promptly to avoid any potential legal consequences.\n\nI have already submitted a formal complaint to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the Better Business Bureau. Kindly comply with this request promptly.\n\nPlease note that it is necessary for you to complete this investigation within the given 30-day timeframe, as per the regulations stated in the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).\n\nPlease provide the details of the methodology used to ensure the accuracy and comprehensiveness of the information within ( 5 ) days after completing your reinvestigation. Thank you. I want to assure you that I am carefully documenting your conduct, especially your Method of Verification. I strongly object to e-Oscar or any type of automated verification. I expect a prompt and satisfactory response within 30 days of receiving this official notification. Failure to do so may result in legal action against your establishment, seeking {$5000.00} for each infraction.\n\n1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting As per the mandates delineated in 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), strict requirements govern the reinsertion of previously expunged data ; should any information previously expunged from a consumer 's record per subparagraph ( A ) resurface, the consumer reporting agency is obligated to apprise the consumer of said reinsertion. Furthermore, the consumer reporting agency is compelled to furnish written notification to the consumer regarding the outcomes of a reinvestigation conducted pursuant to this subsection within 5 business days post-completion of the said reinvestigation, either via mail or any other mode of communication approved by the consumer for such purposes.\n\nThank you for your immediate attention to this matter. I anticipate a swift resolution. \n\nMy contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.\n\n( c ) Authority to decline or rescind.\n\n( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.\n\n( 2 ) Notification to the consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.\n\n( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer before the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.\n\n( d ) Exception for resellers.\n\n( 1 ) No reseller file. This section shall not apply to a consumer reporting agency if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.\n\n( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.\n\n( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain each consumer reporting agency 's name, address, and telephone number from which the consumer information was obtained for resale.\n\n( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations to approve or process negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of the information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.\n\n( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.","date_sent_to_company":"2025-07-28T17:32:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33033","tags":null,"has_narrative":true,"complaint_id":"14928711","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-28T17:10:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am extremely disappointed by the <em>findings</em> of section FCRA 605B ( 15 U.S.C. 1681c-2 ) which requires the immediate removal of specified information within a strict four-day deadline upon receipt. Therefore, I request prompt correction of the negative data on said items to ensure the accuracy of my credit report.\n\nKindly thoroughly <em>investigate</em> these matters and promptly address the disputed items. \n\n1."]},"sort":[6.0816917,"14928711"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":121,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":121}]}},"product":{"doc_count":121,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":113,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":113}]}},{"key":"Credit card","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2},{"key":"Store credit card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreign currency exchange","doc_count":1},{"key":"Mobile or digital wallet","doc_count":1}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}}]}},"issue":{"doc_count":121,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":106,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":102},{"key":"Account information incorrect","doc_count":4}]}},{"key":"Improper use of your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":6}]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't close your account","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Charged too much interest","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":1}]}},{"key":"Problem with customer service","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Unauthorized transactions or other transaction problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":121,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":121}]}},"company_response":{"doc_count":121,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":62},{"key":"Closed with non-monetary relief","doc_count":57},{"key":"Closed with monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":121,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":121}]}},"company":{"doc_count":121,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":38},{"key":"Experian Information Solutions Inc.","doc_count":37},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":37},{"key":"SYNCHRONY FINANCIAL","doc_count":2},{"key":"Avant Holding Company, Inc.","doc_count":1},{"key":"Chime Financial Inc","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Selene Holdings LLC","doc_count":1},{"key":"TransferWise Ltd","doc_count":1},{"key":"U.S. BANCORP","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":121,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NY","doc_count":58},{"key":"NJ","doc_count":25},{"key":"FL","doc_count":11},{"key":"TX","doc_count":10},{"key":"PA","doc_count":9},{"key":"SC","doc_count":3},{"key":"CA","doc_count":1},{"key":"GA","doc_count":1},{"key":"IA","doc_count":1},{"key":"IL","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":121,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":77},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":121,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2},{"key":"Older American","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[6.0816917,"14928711"],"3":[6.064032,"14620910"],"4":[6.0591855,"14698074"],"5":[5.5886106,"15698718"]}}}