{"took":232,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":20,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6042935","_score":27.543064,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX Other debt Attempts to collect debt not owed XXXX XX/XX/XXXX XXXX Sent to Regulator FTC XXXX XXXX debt Attempts to collect debt not owed XXXX  XX/XX/XXXX Closed Feed back provided XXXX Other debt Attempts to collect debt not owed XXXX, XXXX XX/XX/XXXX Closed Feedback provided XXXX XXXX reporting Problem with a credit reporting company 's investigation into an existing problem IC System XX/XX/XXXX This problem has been going on and needs to STOP! XXXX continues to send me to different collection companies regardless of previous outcomes. This is ruining my credit falsely and I'm not going to continue to submit what I've already submitted and disputed with each of the listed collection agencies. this is the second time IC Systems in XX/XX/XXXX. Please help me stop these tactics.","date_sent_to_company":"2022-10-03T16:32:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"6042935","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2022-10-03T16:01:31.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXX Other debt Attempts to collect debt not owed XXXX XX/XX/XXXX XXXX Sent to Regulator FTC XXXX XXXX debt Attempts to collect debt not owed XXXX  XX/XX/XXXX <em>Closed</em> Feed back <em>provided</em> XXXX Other debt Attempts to collect debt not owed XXXX, XXXX XX/XX/XXXX <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX XXXX reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> IC System XX/XX/XXXX This <em>problem</em> has been going on and needs to STOP!"]},"sort":[27.543064,"6042935"]},{"_index":"complaint-public-v1","_id":"15646881","_score":26.338842,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX Experian Dispute Department Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX, TX XXXX Subject : FINAL FOLLOW-UP DISPUTE Comprehensive Re-Audit ; Permanent Deletion/Blocking of Inaccurate/Unverifiable Items ; Full Method-of-Investigation ; Privacy/Permissible-Purpose ; Remove All Phone Numbers from File Dear Experian Dispute Department, I am re-submitting a comprehensive, itemized dispute and demanding full compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. This filing incorporates, verbatim, prior complaint language and adds a consolidated timeline and complaint log with dates, IDs, subjects, companies, and outcomes from the CFPB portal. You must delete any item that is inaccurate, incomplete, or can not be verified within FCRA timelines, and provide a detailed Method-of-Investigation ( MOI ) for each disputed entry. \n\nIdentity & contact Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX No phone number : Remove any and all telephone numbers from my file and confirm removal in writing. Do not add or infer any phone number going forward. \n\nLegal bases ( summary ) FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : reasonable procedures to assure maximum possible accuracy.\n\nFCRA 611 / 15 U.S.C. 1681i : reasonable reinvestigation ; delete/correct information that is inaccurate, incomplete, or can not be verified ; provide furnisher contact data ; upon request supply the MOI.\n\nFCRA 604 / 15 U.S.C. 1681b : permissible purpose required for inquiries ; purge any inquiry lacking a documented permissible purpose.\n\nFCRA 605 & 605B / 15 U.S.C. 1681c-2 : obsolescence limits ; identity-theft blocking upon receipt of an Identity Theft Report.\n\nGLBA ( 15 U.S.C. 6801 et seq. ), Privacy Act ( 5 U.S.C. 552a ), 26 U.S.C. 6103 : protect nonpublic personal information ; avoid unauthorized disclosure/retention. \n\n\n\nDear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant financial hardship and reputational harm due to inaccurate information that remains on my report. I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/XXXX, and XX/XX/XXXX. Regrettably, I did not receive the verification I requested, nor did any of the bureaus delete the unverified accounts. Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. \n\nXXXX XXXX XXXX  prior results list ( pattern evidence ) 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 complaint log ( XXXX subjects companies outcomes ) XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX  Filed XX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXXXXXX \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX I do not know Attempts to collect debt not owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Company responded. \n\nXXXX Medical debt Attempts to collect debt not owed Professional Colletors Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN LEGAL XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report EXPERIAN Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Problem with a credit reporting company XXXX XXXX into an existing problem EXPERIAN Credit reporting Agency XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Closed ; Company responded. \n\nDamages & remedies reserved : 15 U.S.C. 1681n ( willful ), 1681o ( negligent ) : actual, statutory, punitive damages, and fees/costs. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX","date_sent_to_company":"2025-09-01T16:42:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"15646881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-01T16:29:00.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX Medical debt Attempts to collect debt not owed Professional Colletors Filed XX/XX/XXXX <em>Closed</em> ; Company responded. \n\nXXXX Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EXPERIAN LEGAL XXXX XX/XX/XXXX <em>Closed</em> ; Company responded. \n\nXXXX Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXXXX/XX/XXXX <em>Closed</em> ; Company responded."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[26.338842,"15646881"]},{"_index":"complaint-public-v1","_id":"4621746","_score":25.748356,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["an <em>existing</em> <em>problem</em> XXXX  XX/XX/2021 <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 <em>Closed</em> Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 <em>Closed</em> Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 <em>Closed</em> Company responded XXXX Credit reporting Incorrect"]},"sort":[25.748356,"4621746"]},{"_index":"complaint-public-v1","_id":"4621608","_score":25.748356,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX from Experian, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX rate. Now there are XXXX reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX  XXXX XXXX  XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-11T17:06:57.000Z","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 is missing that should be on the report"},"highlight":{"complaint_what_happened":["<em>existing</em> <em>problem</em> EXPERIAN XX/XX/2021 <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 <em>Closed</em> Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 <em>Closed</em> Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 <em>Closed</em> Company responded XXXX Credit reporting Incorrect"]},"sort":[25.748356,"4621608"]},{"_index":"complaint-public-v1","_id":"11002279","_score":22.726637,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, XXXX, and TransUnion to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["TransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Closed</em>, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' <em>Closed</em> with <em>feedback</em> <em>provided</em>, but the issue persists."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[22.726637,"11002279"]},{"_index":"complaint-public-v1","_id":"11003332","_score":22.701693,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, Equifax, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints Equifax Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX  Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' XXXX, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications.\n\nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits.\n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11003332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX  Complaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with fraud alerts or security freezes '' XXXX, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Closed</em>, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' <em>Closed</em> with <em>feedback</em> <em>provided</em>, but the issue persists."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[22.701693,"11003332"]},{"_index":"complaint-public-v1","_id":"11002283","_score":22.700079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within XXXX business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nXXXX XXXX : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant XXXX XXXX XXXX XXXX XXXX \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-12T12:56:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:46:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["TransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' <em>Closed</em>, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' <em>Closed</em> with <em>feedback</em> <em>provided</em>, but the issue persists."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[22.700079,"11002283"]},{"_index":"complaint-public-v1","_id":"11002238","_score":22.700079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/2024, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided.\n\nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and XXXX XXXX. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:53:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:51:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["TransUnion Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" <em>Problem</em> with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' <em>Closed</em>, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' <em>Closed</em> with <em>feedback</em> <em>provided</em>, but the issue persists."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[22.700079,"11002238"]},{"_index":"complaint-public-v1","_id":"6043030","_score":20.232363,"_source":{"product":"Debt collection","complaint_what_happened":"I have been a victim of identity theft, and the parties that assumed my data, fraudulently used my property, fraudulently used my deed, and falsified all documents was granted over {$300000.00} dollars and used my same property as collateral to fraudulently file for another loan for property for {$200000.00} the fraudulent XXXX home loan. \n\nThe parties also fraudulently have been stealing mail and also falsified the same schemes to file for bankruptcy protection. The parties did not have any authority to do such and one party fled to XXXX using XXXX Banks for no less than three loans without my knowledge. \n\nXXXX Banks never contacted me, XXXX XXXX, and they are refusing to comply with the guidelines that CFPB filed for injunctions to protect any victims of data breaches and identity theft. \n\nThe attorneys XXXX and XXXX denied and obstructed orders, when I never filed, never completed any loans or ever authorized any loans. \n\nThis is a direct contempt of orders CFPB filed XX/XX/2022 and attorney lied in response repeatedly and has denied any CFPB orders exist to protect victims of fraud, identity theft and property fraud loans. \n\nIn fact CFPB closed all cases, disregarding my proof and documents that have been forwarded. \n\nIntimidation and harassment is prohibited. \n\n\nXXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 Open Sent to Company XXXX XXXX XXXX XXXX reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX  XXXX FLORIDA XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX BANK XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action premier properties XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Company responded XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX reporting Credit monitoring or identity theft protection services XXXX XXXX XXXX AND ALL OTHERS XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XXXX  AND RUSHMORE COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the CFPB XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX  XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Problem with fraud alerts or security freezes XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other type of mortgage Trouble during payment process XXXX BANK XX/XX/2022 Open Sent to XXXX XXXX","date_sent_to_company":"2022-10-03T04:37:08.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"32708","tags":null,"has_narrative":true,"complaint_id":"6043030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2022-10-03T04:14:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 <em>Closed</em> <em>Feedback</em> <em>provided</em> XXXX XXXX XXXX XXXX reporting Credit monitoring or identity theft protection services XXXX XXXX XXXX AND ALL OTHERS XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XXXX  AND RUSHMORE"]},"sort":[20.232363,"6043030"]},{"_index":"complaint-public-v1","_id":"4414707","_score":19.167698,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I removed names and addresses and phone numbers from their response. \n\nI submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.\n\nDiscover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. \n\nThe complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. \n\nDiscover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. \n\nPlease resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. \n\nBellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem 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 Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. \n\nATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 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/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX  to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No","date_sent_to_company":"2021-05-28T23:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-05-28T22:41:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX Print complaint <em>CLOSED</em> Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[19.167698,"4414707"]},{"_index":"complaint-public-v1","_id":"4520260","_score":15.967306,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXXPrint complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem 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 Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$130.00} Balance updated XX/XX/XXXX Recent payment $ 39 Monthly payment {$0.00} Original balance {$760.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history 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 Collection Payment history guide Collection as of XXXX XXXX to XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Historical info Original creditor XXXX XXXX Balance history XX/XX/XXXX {$130.00} Balance {$0.00} Schedule payment {$39.00} Paid on XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info The original amount of this account was {$760.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Your statement PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE. Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX. \n\nATTACHMENTS Report Number XXXX ( XXXX KB ) Report NumberXXXX ( XXXX KB ) 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 explanation Company 's Response Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment related thereto. PRA purchased the XXXX XXXX  XXXX \" XXXX '' XXXX XXXX account ending in XXXX from XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$760.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We placed the PRA account ending in XXXX with the law firm of XXXX XXXX XXXX, XXXX. ( the Firm ) on or about XX/XX/XXXX. XXXX XXXX XXXX, XXXX. filed an action on the account on or about XX/XX/XXXX. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Civil Court, XXXX XXXX County, Iowa bearing case number XXXX. The judgment amount was {$870.00}, and payment received post judgment was {$740.00} leaving the balance of {$130.00}. PRA furnished information from the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. Should you have any further questions about the account balance, please contact XXXX XXXX XXXX at XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. \nFeedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The judgement was paid in XXXX according to the settlement amount in court and XXXX and XXXX also agreed with the amount which portfolio recovery did not use all court documents about the lesser amount their total amount is wrong because XXXX XXXX  also agreed in court at the lesser amount they really need to research this issue and correct it on my credit file asap because they refuse to fix this issue I made the final payment to XXXX and gains PC as agreed upon in court of XXXX county, I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No What happens now? \nThe complaint process is complete and your complaint is now closed. \n\nWe have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database.\n\nYour feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company.\n\nWe have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies.\n\nWe appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns.\n\nClosed The CFPB has closed your complaint.","date_sent_to_company":"2021-07-06T22:52:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"52601","tags":"Servicemember","has_narrative":true,"complaint_id":"4520260","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2021-07-06T22:27:24.000Z","state":"IA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXXPrint complaint <em>CLOSED</em> Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[15.967306,"4520260"]},{"_index":"complaint-public-v1","_id":"17841682","_score":15.636471,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am a merchant using Square Point of Sale. Squares system displayed multiple customer card payments as Completed on my Square app at the time of sale, but laterwithout any notificationthese same transactions appeared as Declined/Denied on my online Square Dashboard.\n\nThis resulted in financial losses and created serious discrepancies in my records. Squares system never informed me of the later declines, even though the transactions appeared completed and were included in my daily settlement totals.\n\nI contacted Square support and requested the following specific information : 1. Confirmation of whether Offline Mode was ever enabled on my account, including date and time it was activated, device activation source, and proof that I, not the system, turned it on.\n\nSquare could not provide this information.\n\nI never enabled Offline Mode, and I did not even fully understand the feature until the representative explained it. My device ( laptop ) is always in my office, connected to WiFi, as is my Square reader. I therefore could not have been offline.\n\n2. Explanation of why my Square app showed a payment as completed, while the Dashboard later showed it as declined.\n\nSquare did not provide a technical explanation for this discrepancy.\n\n3. Clarification of processing fees, including whether fees were initially deducted when the transaction appeared completed, and whether any fees were later refunded once the transaction showed as declined. Square did not provide this information.\n\nI also reported that the first Square representative hung up on me during my call, and that the support manager then closed my case by email stating that there was no further escalation and no one above her to address my issue, despite acknowledging the earlier unprofessional conduct.\n\nSquare acknowledged that my feedback would be sent to their product teams for future improvements, which confirms there is an existing system weaknessspecifically, the lack of notifications when transactions later fail.\n\nTo date, Square has not resolved the problem, has not explained the discrepancies between the app and dashboard, and has not provided the documentation I requested. My records, revenue totals, and settlements were affected by Square showing payments as completed that were later declined with no notice.\n\nI am requesting : a full investigation into Squares failure to notify merchants of delayed declines, a technical explanation of why the completed transactions later became declined, a record of whether Offline Mode was ever enabled on my account, clarification regarding any fees initially taken, and a resolution to prevent further financial harm.\n\nI am willing to provide screenshots and the full email thread if needed.","date_sent_to_company":"2025-11-24T18:44:44.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"26508","tags":null,"has_narrative":true,"complaint_id":"17841682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-11-24T18:30:45.000Z","state":"WV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Square acknowledged that my <em>feedback</em> would be sent to their product teams for future improvements, which confirms there is an <em>existing</em> system weaknessspecifically, the lack of notifications when transactions later fail.\n\nTo date, Square has not resolved the <em>problem</em>, has not explained the discrepancies between the app and dashboard, and has not <em>provided</em> the documentation I requested."],"issue":["Unauthorized transactions or other transaction <em>problem</em>"]},"sort":[15.636471,"17841682"]},{"_index":"complaint-public-v1","_id":"21864180","_score":13.953696,"_source":{"product":"Debt collection","complaint_what_happened":"This is a follow-up to CFPB Complaint XXXX against Security Credit Services , LLC ( SCS ) , which was closed on XX/XX/year> after XXXX confirmed the underlying account was fraudulent. New conduct by XXXX now warrants a separate complaint. \nOn XX/XX/year>, SCS Support Services Representative XXXX XXXX sent me a letter that reverses SCS 's prior written fraud determination. The letter states : \" The information provided with your dispute was not sufficient for us to conclude that the above-referenced account stems from fraud and/or identity theft. '' It then threatens : \" If we do not receive the requested information within 30 days of your receipt of this notice, we will consider the account to be reporting as accurate and complete the credit reporting agencies. '' The letter demands a government-issued ID, a police report referencing the account, and an executed Fraud Affidavit. I received the letter on XX/XX/year>. \nThis contradicts every prior SCS admission on the record : ( XXXX ) In its XX/XX/year> response in Complaint XXXX, SCS stated XXXX \" we have reached out to the original creditor and confirmed the account was fraudulent. We have closed the account accordingly so please allow XXXX days for the credit bureaus to update and remove. '' ( XXXX ) On XX/XX/year>, SCS Support Services XXXX XXXX XXXX sent a letter to the Mississippi Attorney General 's Office ( File No. XXXX ) reaffirming this : \" SCS conducted thorough investigations of all prior disputes and received confirmation from the original creditor about the account being fraudulent. SCS responded to the consumer XXXX days after the CFPB complaint was received acknowledging the fraudulent account and advising account closure. '' ( XXXX ) Acting on those confirmations, Experian deleted the SCS tradeline on XX/XX/year> with an FCRA Section 605B identity theft block applied and notification issued to SCS as the furnisher. TransUnion deleted the SCS tradeline on XX/XX/year>. \nXXXX SCS employees ( XXXX and XXXX ) issued written, opposite findings on the same fraud determination on the same account within XXXX days. There is no good-faith explanation. XXXX XXXX disregarded SCS 's own records, or XXXX misrepresented the company 's investigation to a state Attorney General 's office, or SCS 's recordkeeping is systemically broken. Each is a serious problem. \nIn my XX/XX/year> feedback to Complaint XXXX, I expressly notified SCS, XXXX the federal regulatory record, that any further violations would be treated as willful noncompliance under the FCRA and FDCPA. SCS proceeded with the XX/XX/XXXX letter notwithstanding that notice. \nThe XX/XX/XXXX letter and the threatened reversal violate FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), FDCPA Section 1692e and 1692e ( 8 ), and FDCPA Section 1692g. SCS never sent any validation notice prior to credit reporting ; the first SCS communication that reached me was the XX/XX/XXXX letter sent only after I had filed complaints with multiple state and federal regulators. The factual record establishes willfulness under FCRA Section 1681n.\n\nI have responded to SCS by certified letter dated XX/XX/year>, declining the request, identifying the contradictions, and putting SCS on notice that any reversal of the existing deletion outcomes will be treated as additional, separately actionable willful violations. Counsel has been engaged.","date_sent_to_company":"2026-05-04T20:13:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"208XX","tags":null,"has_narrative":true,"complaint_id":"21864180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2026-05-04T19:40:14.000Z","state":"MD","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["XXXX XXXX disregarded SCS 's own records, or XXXX misrepresented the company 's <em>investigation</em> to a state Attorney General 's office, or SCS 's recordkeeping is systemically broken. Each is a serious <em>problem</em>. \nIn my XX/XX/year> <em>feedback</em> to Complaint XXXX, I expressly notified SCS, XXXX the federal regulatory record, that any further violations would be treated as willful noncompliance under the FCRA and FDCPA. SCS proceeded with the XX/XX/XXXX letter notwithstanding that notice."]},"sort":[13.953696,"21864180"]},{"_index":"complaint-public-v1","_id":"16814944","_score":13.442215,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b\"I XXXX XXXX XXXX AM A REAL person, FILING THIS DISPUTE ON MY OWN BEHALF. CFPB, XXXX, EQUIFAX, AND XXXX  HAVE NOT CONDUCTED PROPER THOROUGH TECHNIQUES FOR INTERNAL RETIFICATION OF MISALIGNMENT OF BAD BEHAVIOR. IN THE FAIR CREDIT REPORTING ACT IT STATES CLEARLY THAT XXXX, XXXX, AND EQUIFAX compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. From my understanding EQUIFAX, XXXX, AND XXXX  ARE (CRA'S) CREDIT REPORTING AGENCIES, THAT ARE COVERED BY [FCRA] FEDERAL CREDIT REPORTING ACT. IT ALSO STATES THAT I XXXX XXXX XXXX A REAL Person, HAVE: Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. XXXX, XXXX, AND EQUIFAX HAVE NOT ACTED ACCORDINGLY TO THE FAIR CREDIT REPORTING ACT BY NOT COMPLYING BY THIS CONSTITUTIONAL LAW OF THE LAND. I ASKED THAT THIS DISPUTE I AM PRESENTING AGAIN ON XXXX XXXX XXXX, BE REEXAMINED FOR THE PURPOSE OF TRANSPARENCY. IT HAS NOT HAD A THOROUGH EXAMINATION OF ALL THREE CRA'S KNOWN AS XXXX, XXXX, AND EQUIFAX, ALONG WITH CONSUMER FINANCE PROTECTION BUREAU (CFPB). I THINK THIS MATTER SHALL BE HANDLED WITH THE ATMOST RESPECT FOR THE XXXX XXXX COURTSHIP OF LAWS: CONSUMERS RIGHT ACT 2015, CONSUMER CREDIT ACT 1974, FINANCIAL SERVICE ACT 2010, CONSUMER PROTECTION ACT 1987, THE FINANCIAL SERVICES and MARKETS ACT 2000 (FSMA). I RESPECT THAT THIS MATTER AT HAND SHALL HAVE EXPEDITIONAL PROCESSING TO THE BEST INTEREST OF LAW, WITH A TREMENDOUS AMOUNT OF TRANSPARENCY SPRINKLED WITH DUE DILIGENCE!!!XXXXI AM A REAL Person THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of THE XXXX  Clan \\n \\nI HAVE INCLUDED A COPY OF DISABLED ID AI!!XXXXI HAVE INCLUDED A COPY OF MY SOCIAL SECURITY CARD AI!!!369\\nI HAVED INCLUDED A COPY OF LATEST UTILITY BILL AI!!!XXXX\\nALSO EQUIFAX, XXXX, AND XXXX  HAVE INVOLVED THEMSELVES INTO CONSPIRACY TO DUE DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS AND BACKGROUND THAT ARE NOT OF A XXXX  DECENT. XXXX XXXX XXXX XXXX IS ONLY THE GESTURE IN THIS MATTER, WHICH MAKES ME THE PRINCIPAL. XXXX XXXX XXXX XXXX  PROVED THAT IT PRACTICED UNJUST ENRICHMENT ON A FRAUDULENT CREDIT CARD ACCOUNT ENDING IN XXXX. I XXXX XXXX XXXX  A REAL Person NEVER RECEIVED A  CARD IN THE MAIL, I XXXX XXXX XXXX NEVER SIGNED A DISCLOSURE FOR THIS FRAUDULENT CREDIT CARD ACCOUNT ENDING IN XXXX, AND I XXXX XXXX XXXX NEVER ACTIVATED A CREDIT CARD ENDING IN XXXX. THIS MATTER AT HAND SHOULD RESULT IN SPECIFIC PERFORMANCE ON XXXX XXXX XXXX XXXX BEHALF. SUCH AS REMOVAL OF THIS FACTIOUS ACCOUNT ENDING IN XXXX ALSO XXXX, EQUIFAX, AND XXXX  SHOULD IMMEDIATELY CONDUCT A RECALCULATION OF MY CREDIT SCORES WITH ALL THREE CRA'S IMMEDIATELY CONDUCTING A THOROUGH INTERNAL INVESTIGATION OF RECALCULATED SCORES IMMEDIATELY!!!XXXX I ASK THAT THIS NOT BE CONSIDERED A DUPLICATE DISPUTE AI BECAUSE IT IS NOT, AND TIME IS OF THE ESSENCE FOR TRANSPARENCY. XXXX HASN'T UPDATED MY CREDIT REPORTS SINCE XXXX XXXX XXXX STILL WAITING XXXXEQUIFAX DROPPED SCORES XXXX POINTS USING FRAUDULENT INFORMATION FROM XXXX XXXX XXXX XXXX ON CREDIT REPORTS. XXXX  REMOVED THE ACCOUNT ENDING IN XXXX  TWO MONTHS AGO IN XXXX  OF XXXX, BECAUSE OF FRAUDULENT ACTIVITY OF XXXX XXXX XXXX XXXX IN THIS MATTER OF FACTIOUS INFORMATION BEENING USED FOR HARM, AND DETRIMENT!!XXXXInactive modal\\nUS Flag An official website of the United States Government Logged in as XXXX XXXX XXXXConsumer Financial Protection Bureau\\nStart a new complaint\\nAll complaints\\XXXXXXXXPrint complaint\\nClosed\\nSubmitted\\nStatus\\nSubmitted to the CFPB on XXXXProduct\\nCredit reporting or other personal consumer reports\\nIssue\\nProblem with a company's investigation into an existing problem\\nWe received your complaint. Thank you.\\nWe will review your complaint. Depending on what we find, we will typically:\\n\\nSend your complaint to the company for a response; or\\nSend your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or\\nLet you know if we need more information to continue our work.\\nYOUR COMPLAINT\\nTHIS DISPUT WAS NEVER PROPERLY INTERNALLY INVESTIGATED. CFPB NEVER CONDUCTED A PROPER INTERNAL INVESTIGATION OF THIS MATTER AT HAND. CFPB HAS VIOLATED CONSUMER'S CONSTITUTIONAL RIGHT'S, AND USING ARTIFICIAL INTELLIGENCE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS. CFPB, A VIOLATED CONSTITUTIONAL LAWS, THE FAIR CREDIT REPORTING ACT, AND 18 USC Section 241(CONSPIRACY)XXXX I HAVE SUBMITTED HEAVILY ENDORSED MATERIAL OF FACT THAT PROVES EVERYTHING IN THE DISPUTE, WHICH I SUBMITTED I THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of THE XXXX  Clan CFPB, ALONG WITH EQUIFAX, XXXX, AND XXXX, HAVE ALL ENGAGED IN (CONSPIRACY) 18 USC Section 241 (CONSPIRACY)!XXXX  I SUBMITTED ALL THE EVIDENCE NEEDED TO PROVE MY DISPUTE!!XXXX In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX Feedback requested Status Feedback requested on XXXX Feedback due XXXX At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, XXXX  cannot take further action on the complaint. How Can I Respond When XXXX  Asked For Power of Attorney On XXXX  BUT FeedBack Was Due On The XXXX Plus You asked me to Respond through The XXXX XXXX XXXX XXXX In This Time Frame IS IMPOSSIBLE!!XXXX HAHAHAHAHAHAHAHAHAHAHAHAHA!!XXXX  STOP ARTIFICIAL INTELLIGENCE!!!XXXX HAHAAA PLUS I SENT A COPY OF MY DISABLED ID!!XXXX PLUS I SENT A COPY OF MY SOCIAL SECURITY CARD!!!XXXX PLUS A COPY OF MY LATEST UTILITY BILL STATEMENT!!XXXX XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We 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. YOUR COMPLAINT THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX THIS IS NOT A DUPLICATE DISPUTE AI!!XXXX I HAVE INCLUDED A COPY OF MY DISABILITY ID, A COPY OF MY LATEST UTILITY BILL, AND A COPY OF MY SOCIAL SECURITY CARD. THIS DISPUTE DOES NOT NEED A THIRD PARTY!!XXXX I AM FILING ON MY OWN BEHALF AI!!!XXXX HAHAHA I AM A XXXX  WAR VETERAN WHO FOUGHT FOR THIS COUNTRY IN XXXX XXXX XXXX XXXX ONLY TO BE RUDELY ATTACKED BY AI TECHNOLOGY WHICH IS USED AGAINST THE CIVIL RIGHTS OF ALL MONIORITIES BY EQUIFAX, XXXX, AND XXXX!!!XXXX  The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies (CRAs). Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies (CRAs): Companies like the three major credit bureaus (Equifax, XXXX, and XXXX) that compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. I AM A REAL HUMAN AI!!XXXX EQUIFAX FAKE GOVERNMENT ENTITY DROPPED MY SCORE BY XXXXPOINTS USING A FRAUDULENT CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX XXXX WHICH WAS REMOVED BY XXXX  AND XXXX  DOING DETRIMENTAL HARM TO ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX  OF THE XXXX  Clan!!!XXXX SINCE XXXX XXXX XXXX XXXX  HAD TO REMOVE THIS ACCOUNT, THIS ENTITY IS STILL USING OTHER WAYS TO DUE DETRIMENTAL HARM OF A CONSUMER BY VIOLATION OF 18 USC Section 241(CONSPIRACY) BETWEEN EQUIFAX AND XXXX XXXX XXXX XXXX. ALSO BOTH USED MY CREDIT REPORTS ILLEGALLY BY SELLING OF FALSE INFORMATION AND WITHOUT NOTIFYING ME THE CONSUMER THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX  OF THE XXXX XXXX 18 U.S. Code  241 - Conspiracy against rights  U.S. Code  Notes  Authorities (CFR) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX, aggravated XXXX  XXXX  or an attempt to commit aggravated XXXX  XXXX, or an attempt to XXXX, they shall be fined under this title or XXXX  for any term of years or for life, or both, or may be sentenced to XXXX. STOP PLAYING THESE SILLY GAMES XXXX XXXX XXXX XXXX XXXX XXXX  ( UNFIT, INCOMPETENT, DYING STATUS, RACIST BAIS WHAT TO BE US XXXX!XXXX  Attachments ScreenshotXXXX 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 XXXX  We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies 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. Company still working Status Company response is in progress as of 10/6/2025 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request. Company responded Status Company responded on XXXX Response type Closed with explanation Company's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, XXXX  cannot take further action on the complaint. Feedback provided Status Feedback provided on XXXX Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint Yes The company did what they said they would do with my complaint No ADDITIONAL COMMENTS THIS DISPUT WAS NEVER PROPERLY INTERNALLY INVESTIGATED. CFPB NEVER CONDUCTED A PROPER INTERNAL INVESTIGATION OF THIS MATTER AT HAND. CFPB HAS VIOLATED CONSUMER'S CONSTITUTIONAL RIGHT'S, AND USING ARTIFICIAL INTELLIGENCE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS. CFPB VIOLATED CONSTITUTIONAL LAWS, THE FAIR CREDIT REPORTING ACT, AND 18 USC Section 241( CONSPIRACY)!!XXXX I HAVE SUBMITTED HEAVILY ENDORSED MATERAIL OF FACT THAT PROVES EVERYTHING IN THE DISPUTE, WHICH I SUBMITTED I THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of THE XXXX  Clan Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We 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. YOUR COMPLAINT THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX  THIS IS NOT A DUPLICATE DISPUTE AI!!XXXX I HAVE INCLUDED A COPY OF MY DISABILITY ID, A COPY OF MY LATEST UTILITY BILL, AND A COPY OF MY SOCIAL SECURITY CARD. THIS DISPUTE DOES NOT NEED A THIRD PARTY!!XXXX I AM FILING ON MY OWN BEHALF AI!!!XXXX HAHAHA I AM A XXXX  WAR VETERAN WHO FOUGHT FOR THIS COUNTRY IN XXXX XXXX XXXX XXXX ONLY TO BE RUDELY ATTACKED BY AI TECHNOLOGY WHICH IS USED AGAINST THE CIVIL RIGHTS OF ALL MONIORITIES BY EQUIFAX, XXXX, AND XXXXXXXX  The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies (CRAs). Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies (CRAs): Companies like the three major credit bureaus (Equifax, XXXX, and XXXX) that compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. I AM A REAL HUMAN AI!!XXXX EQUIFAX FAKE GOVERNMENT ENTITY DROPPED MY SCORE BY XXXXPOINTS USING A FRAUDULENT CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX XXXX WHICH WAS REMOVED BY XXXX  AND XXXX  DOING DETRIMENTAL HARM TO ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX  OF THE XXXX  Clan!!!XXXX SINCE XXXX XXXX XXXX XXXX HAD TO REMOVE THIS ACCOUNT, THIS ENTITY IS STILL USING OTHER WAYS TO DUE DETRIMENTAL HARM OF A CONSUMER BY VIOLATION OF 18 USC Section 241(CONSPIRACY) BETWEEN EQUIFAX AND XXXX XXXX XXXX XXXX. ALSO BOTH USED MY CREDIT REPORTS ILLEGALLY BY SELLING OF FALSE INFORMATION AND WITHOUT NOTIFYING ME THE CONSUMER THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX OF THE XXXX Clan!!!XXXX 18 U.S. Code  241 - Conspiracy against rights  U.S. Code  Notes  Authorities (CFR) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX, aggravated XXXX XXXX or an attempt to commit aggravated XXXX XXXX, or an attempt to XXXX, they shall be fined under this title or XXXX  for any term of years or for life, or both, or may be sentenced to XXXX. STOP PLAYING THESE SILLY GAMES XXXX XXXX XXXX XXXX XXXX XXXX  ( UNFIT, INCOMPETENT, DYING STATUS, RACIST BAIS WHAT TO BE US XXXX Attachments 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 10/5/2025 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies 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. Company still working Status Company response is in progress as of XXXX  The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request. Company responded Status Company responded on XXXX  Response type Closed with explanation Company's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, XXXX  cannot take further action on the complaint. Feedback requested Status Feedback requested on XXXX Feedback due 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. Submit your feedback Closed The CFPB has closed your complaint. Privacy Act Statement XXXX #XXXX Note on user experience Have a question? Preguntas? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ET, Monday through Friday (except federal holidays). More than 180 languages available. US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint: We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint.\\n\\nAttachments\\nScreenshotXXXX 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 XXXXView full complaint \\nSent to company\\nStatus\\nSent to company on XXXXWe'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 still working\\nStatus\\nCompany response is in progress as of XXXXThe company has responded that it is still working on your issue\\nIn some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.\\n\\nCOMPANY'S INTERIM RESPONSE\\nWe received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request.\\nMarked as duplicate\\nStatus\\nMarked as a duplicate complaint on XXXXThis complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record.\\n\\nPrivacy Act Statement\\nXXXX #XXXXNote on user experience\\nHave a question? Preguntas?XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ET, Monday through Friday\\n(except federal holidays).\\nMore than 180 languages available.\\nUS Flag An official website of the United States Government\\nInactive modalInactive modalInactive modal\\nComplaint Detail\"","date_sent_to_company":"2025-10-25T04:01:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16814944","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-25T04:01:33.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Feedback</em> <em>provided</em> Status <em>Feedback</em> <em>provided</em> on XXXX Your <em>feedback</em> The companys response addressed all of my issues No I understand the companys response to my complaint Yes The company did what they said they would do with my complaint No ADDITIONAL COMMENTS THIS DISPUT WAS NEVER PROPERLY INTERNALLY <em>INVESTIGATED</em>. CFPB NEVER CONDUCTED A PROPER INTERNAL <em>INVESTIGATION</em> OF THIS MATTER AT HAND."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.442215,"16814944"]},{"_index":"complaint-public-v1","_id":"17833774","_score":13.292748,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b\"I XXXX XXXX XXXX  AM A REAL person, FILING THIS DISPUTE ON MY OWN BEHALF. CFPB, XXXX XXXX AND TRANSUNION HAVE NOT CONDUCTED PROPER THOROUGH TECHNIQUES FOR INTERNAL RETIFICATION OF MISALIGNMENT OF BAD BEHAVIOR. IN THE FAIR CREDIT REPORTING ACT IT STATES CLEARLY THAT XXXX, TRANSUNION, AND XXXX  compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. From my understanding XXXX, TRANSUNION, AND XXXX ARE (CRA'S) CREDIT REPORTING AGENCIES, THAT ARE COVERED BY [FCRA] FEDERAL CREDIT REPORTING ACT. IT ALSO STATES THAT I XXXX  XXXX XXXX A REAL Person, HAVE: Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. XXXX, TRANSUNION, AND XXXX HAVE NOT ACTED ACCORDINGLY TO THE FAIR CREDIT REPORTING ACT BY NOT COMPLYING BY THIS CONSTITUTIONAL LAW OF THE LAND. I ASKED THAT THIS DISPUTE I AM PRESENTING AGAIN ON XXXX XXXX XXXX BE REEXAMINED FOR THE PURPOSE OF TRANSPARENCY. IT HAS NOT HAD A THOROUGH EXAMINATION OF ALL THREE CRA'S KNOWN AS XXXX, TRANSUNION, AND XXXX, ALONG WITH CONSUMER FINANCE PROTECTION BUREAU (CFPB). I THINK THIS MATTER SHALL BE HANDLED WITH THE ATMOST RESPECT FOR XXXX XXXX XXXX XXXX XXXX XXXX CONSUMERS RIGHT ACT XXXX, CONSUMER CREDIT ACT XXXX, FINANCIAL SERVICE ACT XXXX, CONSUMER PROTECTION ACT XXXX, THE FINANCIAL SERVICES and MARKETS ACT XXXX (FSMA). I RESPECT THAT THIS MATTER AT HAND SHALL HAVE EXPEDITIONAL PROCESSING TO THE BEST INTEREST OF LAW, WITH A TREMENDOUS AMOUNT OF TRANSPARENCY SPRINKLED WITH DUE DILIGENCE!XXXXI AM A REAL Person THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX  of THE Mobley Clan \\n \\nI HAVE INCLUDED A COPY OF XXXX XXXX XXXXI HAVE INCLUDED A COPY OF MY SOCIAL SECURITY CARD XXXXI HAVED INCLUDED A COPY OF LATEST UTILITY BILL XXXXALSO XXXX, TRANSUNION, AND XXXX HAVE INVOLVED THEMSELVES INTO CONSPIRACY TO DUE DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS AND BACKGROUND THAT ARE NOT OF A CAUCASIAN DECENT. XXXX XXXX XXXX XXXX IS ONLY THE GESTURE IN THIS MATTER, WHICH MAKES ME THE PRINCIPAL. XXXX XXXX XXXX XXXX  PROVED THAT IT PRACTICED UNJUST ENRICHMENT ON A FRAUDULENT CREDIT CARD ACCOUNT ENDING IN XXXX XXXX XXXX XXXX XXXX  A REAL Person NEVER RECEIVED A  CARD IN THE MAIL, I XXXX XXXX XXXX  NEVER SIGNED A DISCLOSURE FOR THIS FRAUDULENT CREDIT CARD ACCOUNT ENDING IN XXXX, AND I XXXX XXXX XXXX NEVER ACTIVATED A CREDIT CARD ENDING IN XXXX. THIS MATTER AT HAND SHOULD RESULT IN SPECIFIC PERFORMANCE ON XXXX XXXX XXXX XXXX BEHALF. SUCH AS REMOVAL OF THIS FACTIOUS ACCOUNT ENDING IN XXXX. ALSO XXXX, XXXX, AND TRANSUNION SHOULD IMMEDIATELY CONDUCT A RECALCULATION OF MY CREDIT SCORES WITH ALL XXXX  CRA'S IMMEDIATELY CONDUCTING A THOROUGH INTERNAL INVESTIGATION OF RECALCULATED SCORES IMMEDIATELY!!!XXXX I ASK THAT THIS NOT BE CONSIDERED A DUPLICATE DISPUTE XXXX BECAUSE IT IS NOT, AND TIME IS OF THE ESSENCE FOR TRANSPARENCY. XXXXXXXX  HASN'T UPDATED MY CREDIT REPORTS SINCE XXXX XXXX XXXX STILL WAITING XXXX  DROPPED SCORES XXXX POINTS USING FRAUDULENT INFORMATION FROM XXXX XXXX XXXX XXXX  ON CREDIT REPORTS. XXXXTRANSUNION REMOVED THE ACCOUNT ENDING IN XXXX XXXX MONTHS AGO IN XXXX XXXX XXXX, BECAUSE OF FRAUDULENT ACTIVITY OF XXXX XXXX XXXX XXXX IN THIS MATTER OF FACTIOUS INFORMATION BEENING USED FOR HARM, AND DETRIMENT!!!XXXXInactive modal\\nUS Flag An official website of the United States Government Logged in as XXXX XXXX XXXXConsumer Financial Protection Bureau\\nStart a new complaint\\nAll complaintsXXXXXXXX XXXXSubmitted to the CFPB on XXXXCredit reporting or other personal consumer reports\\nIssue\\nProblem with a company's investigation into an existing problem\\nWe received your complaint. Thank you.\\nWe will review your complaint. Depending on what we find, we will typically:\\n\\nSend your complaint to the company for a response; or\\nSend your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or\\nLet you know if we need more information to continue our work.\\nYOUR COMPLAINT\\nTHIS DISPUT WAS NEVER PROPERLY INTERNALLY INVESTIGATED. CFPB NEVER CONDUCTED A PROPER INTERNAL INVESTIGATION OF THIS MATTER AT HAND. CFPB HAS VIOLATED CONSUMER'S CONSTITUTIONAL RIGHT'S, AND USING ARTIFICIAL INTELLIGENCE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS. CFPB, A VIOLATED CONSTITUTIONAL LAWS, THE FAIR CREDIT REPORTING ACT, AND 18 USC Section 241(CONSPIRACY)!!!XXXX I HAVE SUBMITTED HEAVILY ENDORSED MATERIAL OF FACT THAT PROVES EVERYTHING IN THE DISPUTE, WHICH I SUBMITTED I THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB, ALONG WITH XXXX, TRANSUNION, AND XXXX, HAVE ALL ENGAGED IN (CONSPIRACY) 18 USC Section 241 (CONSPIRACY)!!!XXXX  I SUBMITTED ALL THE EVIDENCE NEEDED TO PROVE MY DISPUTE!!!XXXX In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX Feedback requested Status Feedback requested on XXXX Feedback due XXXX  At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, TransUnion cannot take further action on the complaint. How Can I Respond When TransUnion Asked For Power of Attorney On XXXX BUT FeedBack Was Due On The XXXX. Plus You asked me to Respond through The United States Postal System In This Time Frame IS IMPOSSIBLE!!!XXXX. HAHAHAHAHAHAHAHAHAHAHAHAHA!!!XXXX  STOP ARTIFICIAL INTELLIGENCE!!!XXXX HAHAAA PLUS I SENT A COPY OF MY XXXX XXXX  PLUS I SENT A COPY OF MY SOCIAL SECURITY CARD!!!XXXX PLUS A COPY OF MY LATEST UTILITY BILL STATEMENT!!!3XXXX XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We 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. YOUR COMPLAINT THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX  THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX  I HAVE INCLUDED A COPY OF MY DISABILITY ID, A COPY OF MY LATEST UTILITY BILL, AND A COPY OF MY SOCIAL SECURITY CARD. THIS DISPUTE DOES NOT NEED A THIRD PARTY!!!XXXX  I AM FILING ON MY OWN BEHALF AI!!!XXXX HAHAHA I AM A XXXX XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY IN XXXX XXXX XXXX XXXX. ONLY TO BE RUDELY ATTACKED BY AI TECHNOLOGY WHICH IS USED AGAINST THE CIVIL RIGHTS OF ALL MONIORITIES BY XXXX, TRANSUNION, AND XXXX!!!XXXX The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies (CRAs). Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies (CRAs): Companies like the three major credit bureaus (XXXX XXXX and TransUnion) that compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. I AM A REAL HUMAN AI!!!XXXX  XXXX  FAKE GOVERNMENT ENTITY DROPPED MY SCORE BY XXXX  USING A FRAUDULENT CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX XXXX  WHICH WAS REMOVED BY XXXX AND TRANSUNION DOING DETRIMENTAL HARM TO ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SINCE XXXX XXXX XXXX XXXX HAD TO REMOVE THIS ACCOUNT, THIS ENTITY IS STILL USING OTHER WAYS TO DUE DETRIMENTAL HARM OF A CONSUMER BY VIOLATION OF 18 USC Section 241(CONSPIRACY) BETWEEN XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALSO BOTH USED MY CREDIT REPORTS ILLEGALLY BY SELLING OF FALSE INFORMATION AND WITHOUT NOTIFYING ME THE CONSUMER THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code  241 - Conspiracy against rights  U.S. Code  Notes  Authorities (CFR) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. STOP PLAYING THESE SILLY GAMES XXXX XXXX XXXX XXXX XXXX XXXX ( UNFIT, INCOMPETENT, DYING STATUS, RACIST XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company Status Sent to company on XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies 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. Company still working Status Company response is in progress as of XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request. Company responded Status Company responded on XXXX Response type Closed with explanation Company's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, TransUnion cannot take further action on the complaint. Feedback provided Status Feedback provided on XXXX Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint Yes The company did what they said they would do with my complaint No ADDITIONAL COMMENTS THIS DISPUT WAS NEVER PROPERLY INTERNALLY INVESTIGATED. CFPB NEVER CONDUCTED A PROPER INTERNAL INVESTIGATION OF THIS MATTER AT HAND. CFPB HAS VIOLATED CONSUMER'S CONSTITUTIONAL RIGHT'S, AND USING ARTIFICIAL INTELLIGENCE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS. CFPB VIOLATED CONSTITUTIONAL LAWS, THE FAIR CREDIT REPORTING ACT, AND 18 USC Section 241( CONSPIRACY)!!!XXXX I HAVE SUBMITTED HEAVILY ENDORSED MATERAIL OF FACT THAT PROVES EVERYTHING IN THE DISPUTE, WHICH I SUBMITTED I THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We 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. YOUR COMPLAINT THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX  THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX  I HAVE INCLUDED A COPY OF MY DISABILITY ID, A COPY OF MY LATEST UTILITY BILL, AND A COPY OF MY SOCIAL SECURITY CARD. THIS DISPUTE DOES NOT NEED A THIRD PARTY!!!XXXX  I AM FILING ON MY OWN BEHALF AI!!!XXXX  HAHAHA I AM A XXXX XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY IN XXXX XXXX XXXX XXXX. ONLY TO BE RUDELY ATTACKED BY AI TECHNOLOGY WHICH IS USED AGAINST THE CIVIL RIGHTS OF ALL MONIORITIES BY XXXX, TRANSUNION, AND XXXX!!!XXXX The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies (CRAs). Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies (CRAs): Companies like the XXXX  major credit bureaus (XXXX XXXX and TransUnion) that compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. I AM A REAL HUMAN AI!!!XXXX  EQUIFAX FAKE GOVERNMENT ENTITY DROPPED MY SCORE BY XXXX  USING A FRAUDULENT CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX XXXX  WHICH WAS REMOVED BY XXXX  AND TRANSUNION DOING DETRIMENTAL HARM TO ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SINCE XXXX XXXX XXXX XXXX HAD TO REMOVE THIS ACCOUNT, THIS ENTITY IS STILL USING OTHER WAYS TO DUE DETRIMENTAL HARM OF A CONSUMER BY VIOLATION OF 18 USC Section 241(CONSPIRACY) BETWEEN XXXX AND XXXX XXXX XXXX XXXX  ALSO BOTH USED MY CREDIT REPORTS ILLEGALLY BY SELLING OF FALSE INFORMATION AND WITHOUT NOTIFYING ME THE CONSUMER THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  18 U.S. Code  241 - Conspiracy against rights  U.S. Code  Notes  Authorities (CFR) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated sexual abuse or an attempt to commit aggravated sexual abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death. STOP PLAYING THESE SILLY GAMES XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( UNFIT, INCOMPETENT, DYING STATUS, RACIST 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 XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies 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. Company still working Status Company response is in progress as of XXXX  The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request. Company responded Status Company responded on XXXX Response type Closed with explanation Company's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, TransUnion cannot take further action on the complaint. Feedback requested Status Feedback requested on XXXX Feedback due 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. Submit your feedback Closed The CFPB has closed your complaint. Privacy Act Statement XXXX XXXX  Note on user experience Have a question? Preguntas? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday (except federal holidays). More than 180 languages available. US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint: We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint.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 XXXXView full complaint \\nSent to company\\nStatus\\nSent to company on XXXXWe'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 still working\\nStatus\\nCompany response is in progress as of XXXXThe company has responded that it is still working on your issue\\nIn some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.\\n\\nCOMPANY'S INTERIM RESPONSE\\nWe received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request.\\nMarked as duplicate\\nStatus\\nMarked as a duplicate complaint on XXXXThis complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record.\\n\\nPrivacy Act StatementXXXX XXXXNote on user experience\\nHave a question? Preguntas?\\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday\\n(except federal holidays).\\nMore than 180 languages available.\\nUS Flag An official website of the United States Government\\nInactive modalInactive modalInactive modal\\nComplaint Detail\"","date_sent_to_company":"2025-12-08T17:02:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17833774","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-25T01:43:28.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Feedback</em> <em>provided</em> Status <em>Feedback</em> <em>provided</em> on XXXX Your <em>feedback</em> The companys response addressed all of my issues No I understand the companys response to my complaint Yes The company did what they said they would do with my complaint No ADDITIONAL COMMENTS THIS DISPUT WAS NEVER PROPERLY INTERNALLY <em>INVESTIGATED</em>. CFPB NEVER CONDUCTED A PROPER INTERNAL <em>INVESTIGATION</em> OF THIS MATTER AT HAND."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.292748,"17833774"]},{"_index":"complaint-public-v1","_id":"17008191","_score":9.65834,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. EQUIFAX, AND XXXX XXXX XXXX  HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX EQUIFAX, AND XXXX IMMEDIATELY!! ! XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX  ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX XXXX XXXX  YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX XXXX  AND EQUIFAX REMOVED MY XXXX XXXX XXXX  ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX  AND EQUIFAX TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised one. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section 241 Conspiracy : The law focuses on an agreement or plan between two or more individuals. Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section 242 It's important to distinguish Section 241 from Section 242. While Section 241 addresses conspiracies against rights, Section 242 targets individuals who, acting \" under color of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs XXXX XXXX XXXX, and Equifax ) once every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB.\n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in theSteelman v. Experian case.\n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nChristian Peyton v. Experian. Plaintiff discharged his XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct.\n\nNikolas v. Experian. N.D. C.A. The Plaintiff has an inaccurate account reporting on her Experian credit report. The Plaintiff has never had an Affirm account listed on the Experian credit report. The Plaintiff disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold.\n\nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem 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 THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, XXXX XXXX, AND EQUIFAX ] AND CORRUPTION THAT CFPB, EQUIFAX, XXXX XXXX XXXX  TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE XXXX  NON-COMPLIANCE EQUIFAX NON-COMPLIANCE XXXXXXXX  CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX XXXX  AND EQUIFAX NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH EQUIFAXXXXX XXXX XXXX XXXX ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, TRANSUNION, AND EQUIFAX!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or credit score We received your complaint. Thank you. We 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. YOUR COMPLAINT TRANSUNION AND EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXX XXXX  DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX XXXX XXXX DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. 2. Who it covers The FCRA governs credit reporting agencies ( CRAs ), including the three major ones : Equifax , Experian, and TransUnion . It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. 3. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to Free Credit Reports : You are entitled to a free credit report from each nationwide CRA annually, according to MyCreditUnion.gov. Currently, they are offering free weekly reports through XXXX. Right to Notice of Adverse Action : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. 4. Permissible purposes for accessing consumer reports Access to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your credit score should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX Karma.jpg ( XXXX KB ) 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. Their response should include the steps they took, or will take, to address your complaint. Companies 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. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. XXXX XXXX XXXXXXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments 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 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  ) 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 still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, TransUnion can not take further action on the complaint. \nXXXX requested XXXX XXXX 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? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17008191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint <em>Closed</em> Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[9.65834,"17008191"]},{"_index":"complaint-public-v1","_id":"17014458","_score":9.64387,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. XXXX AND EXPERIAN, AND XXXX HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX  AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX, EQUIFAX, ANXXXX XXXX  IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX XXXX NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX AND XXXX YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ).\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( XXXX Experian, and TXXXX  ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX EXPERIAN, AXXXX XXXX XXXXEMOVED MY XXXX CREDIT CARD ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH EXPERIAN ANXXXX XXXX XXXX XXXXXXXX THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised XXXX. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section XXXX Conspiracy : The law focuses on an agreement or plan between XXXX or more individuals. Targeted Rights : The conspiracy must be against rights secured by the XXXX XXXX or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section XXXX It's important to distinguish Section XXXX from Section XXXX. While Section XXXX addresses conspiracies against rights, Section XXXX targets individuals who, acting \" under XXXX of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the XXXX major CRAs ( Experian, XXXX XXXX XXXX XXXX XXXXnce every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB. \n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in XXXX v. Experian case. \n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nXXXX XXXX v. Experian. XXXX XXXX his Chapter XXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being XXXX, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct. \n\nXXXX v. Experian. XXXX XXXX. The XXXX has an inaccurate account reporting on her Experian credit report. The XXXX has never had an XXXX account listed on the Experian credit report. The XXXX disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold. \nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem 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 THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, EXPERIAN, XXXX XXXX XXXX XXXX AND CORRUPTION THAT CFPB, XXXX EXPERIAN, AND XXXX TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE TXXXX  NON-COMPLIANCE XXXX NON-COMPLIANCE EXPERIAN CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX XXXX XXXX  NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH XXXX XXXX  AND EXPERIAN!! ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, XXXX XXXX XXXX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, XXXX XXXX XXXX XXXX XXXXhe Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA XXXX XXXX XXXX ( CRAs ) : Companies like the XXXX major credit bureaus ( XXXX, Experian, and XXXX  ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, XXXX, Possession, or XXXX in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If XXXX or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than XXXX years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or XXXX XXXX We received your complaint. Thank you. We 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. YOUR COMPLAINXXXX XXXX XXXXD EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXX XXXX and [ The XXXX Clan ]. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXXD EXPERIAN DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX  AND EXPERIAN DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. XXXX Who it covers The FCRA XXXX credit reporting agencies ( CRAs ), including the XXXX major ones : XXXX  XXXX Experian, and XXXX XXXX It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. XXXX. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to XXXX XXXX Reports : You are entitled to a free credit report from each nationwide CRA annually, according to XXXX. Currently, they are offering free weekly reports through XXXX. Right to Notice XXXX XXXX XXXX : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. XXXX. Permissible purposes for accessing consumer reports XXXX to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your XXXX XXXX should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments 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. Their response should include the steps they took, or will take, to address your complaint. Companies 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. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at XXXX. The XXXX XXXX XXXX XXXX is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at XXXX XXXX XXXX at XXXX Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX a.m. to XXXX p.m. XXXX, Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments 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 ( XXXXXXXX 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 still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, XXXX  can not take further action on the complaint. \nXXXX requested XXXX XXXX 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? XXXX? \n( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nXXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17014458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint <em>Closed</em> Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[9.64387,"17014458"]},{"_index":"complaint-public-v1","_id":"13203533","_score":9.069563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In response to XXXX this was for METHOD OF VERIFICATION Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem 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 My last dispute TransUnion states that this account for XXXX Came back verified as accurate. They also mailed me documentation of how they verified this. 1. I have never received any documentation of how this was verified. 2. Please explain to me how you verified an account as accurate when it allegedly has a status of charge off, but is reporting its still open??? 3. Please explain how you verified a balance as accurate when you have no payment history, no payment amount, and no interest rating. So either 1. Validly explain how you verified an account that is being reported as charge off and is open. As accurate?? 2. To verify the balance, ( A ) I want to see every single payment made or not paid. Not the companies records but the record from the third party payee which they would have because this was on direct withdrawal for payment. ( B ) If there was an alleged miss payment, I want to see where was denied from the third-party pay ( C ) the interest rate and I want to see the interest rate that is on the contract with my wet signature since youre saying that you verified, this is accurate as mine ( D ) explain to me why this is not on XXXX or XXXX and theyve already removed this, but youve verified it as accurate. On my pervious complaint, it was stated TransUnion verified. This is accurate because they called the creditor. And this was done on a re-investigation. also, this is not my first time submitting a verification of investigation you had 15 days back XXXX of XXXX. And there was no explanation of investigation ever sent to me. So therefore, this should be deleted. And as Ive stated before, this is not my account, my account was closed back in XX/XX/XXXX. This account is being reported as open. This is not my account. I believe this is some kind of mixed file. And just because youve contacted the creditor and they stated over the phone that this is what happened unless that person has personal knowledge which means they actually seen every single payment Ive made and are willing to go to court raise their right hand under oath and state theyve seen every single payment made. Theyre just reading what they have in the computer. They dont know either. Thats why Im asking for verification and TransUnion is following FCRA rules.\n\nView full complaint Information requested Status CFPB requested more information from you on XX/XX/XXXX Please provide the information we need to keep your complaint moving. \nWe need your help to : Identify the company you complained about so we can send your complaint to them for response. We need as much contact information about this company as you can provide, such as the addresses of building locations, company websites, and phone numbers. \nPlease Provide : A document with as much company contact information as possible, such as the addresses of building locations, company websites, and phone numbers. \n\nAttachments Provided Dispute Investigation Results _ TransUnion Online Service Center ( 2 ) .XXXX XXXX XXXX XXXX XXXX Information received Status CFPB received requested information from you on XX/XX/XXXX Thank you for replying to our request for information. We are now able to resume work on this complaint. \n\nSent 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\nMarked as duplicate Status Marked as a duplicate complaint on XX/XX/XXXX This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. \n\nThe reference they are refuring to is for a reinvestigation of disputed items not method of verification. \n\nUS Flag An official website of the United States Government Logged in as XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report 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 Disputed an account, XXXX that had fallen off my credit report which is now being reported, TransUnion only XXXX as off XX/XX/XXXX as 1. Open 2. Charge-off 3. Balance Due 4. Past Due Account as opened XX/XX/XXXX. XXXX has reported two missing payments from XX/XX/XXXX and XX/XX/XXXX, repossession from XX/XX/XXXX and a charge off from XX/XX/XXXX, but not one payment made. So from XX/XX/XXXX to XX/XX/XXXX it is reported as unknown. This is a FCRA VIOLATION 623 since this is inaccurate and incomplete since there was over 24 months to be reported. And out of those 24 months, there was only four months reported which were allergy negative Months. This directly affects my credit score due to the fact that payment history is 35 % of anyones credit score And since XXXX is reporting only 4 months they are reporting a100 % deagratory payment history. So therefore, if the company is not willing to go ahead and report every single month, every single payment down to the dollar this is incomplete and inaccurate, and must be deleted under fair credit reporting act. XXXX FCRA VIOLATION 623, creditors responsibilities. XX/XX/XXXX why was this account being reported from Closed to Open. It has appeared to be closed since XX/XX/XXXX. Over 5 yrs later there is a change? This account is from North Carolina well past the statute of limitations on collecting debt. FCRA VIOLATION OF ILLEGAL AGING! TransUnion accrued a FCRA VIOLATION, Credit due to agencies are required to have procedures in place to prevent incorrect reporting. And prevent harm to consumers. Transunion just reopened a closed account with no notice to consumer ( ME ). This account is also being reported as status update as of XX/XX/XXXX which that status is CHARGE OFF. By reporting this, Transunion, You are reporting that I had a charge off that was very current. Not over five years ago. As any derogatory account is being reported to a credit union, the most current derogatory accounts have the greatest impact on your credit score. FCRA VIOLATION of TransUnion of reporting incorrect information. This account originally came back onto my credit report in XX/XX/XXXX. Every month since XX/XX/XXXX, the status is updated to status updated to of that current month. Once again, re-aging now On a monthly basis. This is also a fair credit reporting act Sense it will attempt to be on my credit report for additional now seven years as of every single month. I have reported this previously to TransUnion annd XXXX for inaccurate information mainly for a reappearing account aka RE-AGING, and needs to corrected. Well, to no such prevail TransUnion reported verified as accurate. while XXXX deleted this account. And this account never reappeared onto XXXX. North Carolina statutes eliminations is only XXXX years So why is it after the statute of limitations is up for debt collection? This account is now re-aged?? Illegal remove Immediately!! This Account is also being reported as past due, which gives the appearance of mis payment history. Once again, another derogatory mark on my credit as of XX/XX/XXXX, which did not occur. As of XX/XX/XXXX, this account is still being reported as opened, which is once again completely incorrect. So TransUnion under FCRA XXXX, This is a reinvestigation, which means you have 15 days to correct or delete. If this count is not deleted within the 15 day time, period I would like to see exactly how this was determined, which is within my right under FCRA XXXX. I want to see everything too include but not limited to payment history balance history status status date All the positive payment history be reinstated and re-added to my XXXX XXXX etc And why this was added back to my TransUnion credit report after it Had already fallen off. And every derogatory mark after XX/XX/XXXX be removed. If this can not be done, theres no other option then to delete this entire account. Once again me, consumer is being harmed due to the fact, I can not utilize credit which would be readily available to me If TransUnion was reporting correctly or if XXXX. North Carolina would report correctly and completely. \n\nAttachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Incorrect information on your report Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo XXXX of XXXX XXXX information reappears or never goes away What happened? \nDisputed an account, XXXX that XXXX fallen off my credit report which is now being reported, TransUnion only XXXX as off XX/XX/XXXX as XXXX. Open XXXX. Charge-off XXXX. XXXX XXXX XXXX. XXXX XXXX Account as opened XX/XX/XXXX. XXXX has XXXX XXXX missing payments from XX/XX/XXXX and XX/XX/XXXX, repossession from XX/XX/XXXX and a charge off from XX/XX/XXXX, but not XXXX payment made. So from XX/XX/XXXX to XX/XX/XXXX it is reported as unknown. This is a FCRA XXXX XXXX since this is inaccurate and incomplete since there was over 24 months to be reported. And out of those 24 months, there was only XXXX months reported which were XXXX negative Months. This directly affects my XXXX XXXX due to the fact that payment history is 35 % of anyones XXXX XXXX And since XXXX XXXX XXXX only 4 months they are reporting XXXX % deagratory payment history. So therefore, if the company is not willing to go ahead and report every single month, every single payment down to the dollar this is incomplete and inaccurate, and must be deleted under fair credit reporting act. XXXX FCRA XXXX XXXX, creditors responsibilities. XX/XX/XXXX why was this account being reported from Closed to XXXX. It has appeared to be closed since XX/XX/XXXX. Over XXXX yrs later there is a change? This account is from North Carolina well past the statute of limitations on collecting debt. FCRA VIOLATION OF ILLEGAL AGING! TransUnion accrued a FCRA XXXX, XXXX due to agencies are required to have procedures in place to prevent incorrect reporting. And prevent harm to consumers. Transunion just reopened a closed account with no notice to consumer ( XXXX ). This account is also being reported as status update as of XX/XX/XXXX which that status is CHARGE OFF. By reporting this, Transunion, You are reporting that I had a charge off that was very current. Not over XXXX years ago. As any derogatory account is being reported to a credit union, the most current derogatory accounts have the greatest impact on your XXXX XXXX. FCRA XXXX XXXX TransUnion of reporting incorrect information. This account originally came back onto my credit report in XX/XX/XXXX. Every month since XX/XX/XXXX, the status is updated to status updated to of that current month. Once again, re-aging now On a monthly basis. This is also a fair credit reporting act Sense it will attempt to be on my credit report for additional now XXXX years as of every single month. I have reported this previously to TransUnion annd XXXX for inaccurate information mainly for a reappearing account aka RE-AGING, and needs to corrected. Well, to no such prevail TransUnion reported verified as accurate. while XXXX  deleted this account. And this account never reappeared onto XXXX. North Carolina statutes eliminations is only five years So why is it after the statute of limitations is up for debt collection? This account is now re-aged?? Illegal remove Immediately!! This Account is also being reported as past due, which gives the appearance of mis payment history. Once again, another derogatory mark on my credit as of XX/XX/XXXX, which did not occur. As of XX/XX/XXXX, this account is still being reported as opened, which is once again completely incorrect. So TransUnion under FCRA 611, This is a reinvestigation, which means you have 15 days to correct or delete. If this count is not deleted within the 15 day time, period I would like to see exactly how this was determined, which is within my right under FCRA 611. I want to see everything too include but not limited to payment history balance history status status date All the positive payment history be reinstated and re-added to my credit score etc And why this was added back to my TransUnion credit report after it Had already fallen off. And every derogatory mark after XX/XX/XXXX be removed. If this can not be done, theres no other option then to delete this entire account. Once again me, consumer is being harmed due to the fact, I can not utilize credit which would be readily available to me If TransUnion was reporting correctly or if XXXX. North Carolina would report correctly and completely. \n\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.\n\nInactive modal What would be a fair resolution to this issue?\n\nDelete this account immediately. It is a Monthly Reoccurrence of XXXX now North Carolina also reporting incorrect in accurate information causing me harm. TransUnion, you are not following fair credit reporting act Compliances of disputes or Reasonable procedures to prevent in accurate information from being reported and causing harm to consumers. THIS ACCOUNT ALSO APPEARS IN MY POLICE REPORT SINCE THERE IS NO CURRENT NORTH CAROLINA ACCOUNT THAT I OWE. That is not fraudulent information provided by myself, This is 100 % accurate. I do believe this is a fraudulent attempt for XXXX To collect debt that is beyond the statute of limitations for their state. This will also be turned over to the FTC for fraud. \n7 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \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 What company is this complaint about? \nCompany Information XXXX What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX United States Your preferred language English Your demographic information Age XXXX XXXXXXXX XXXX XXXX, XXXX, or XXXX XXXX No Race XXXX Household size including total number of adults and children XXXX Combined annual household income {$50000.00} - {$74000.00} 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 explanation Company 's Response In the case of XXXX XXXX XXXX, complaint number XXXX, we have investigated this matter with the full cooperation of the franchise-owned XXXX. XXXX XXXX is disputing the validity of her account reported to the credit bureaus. XXXX XXXX purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from the franchise-owned XXXX  location on XXXX XXXX XXXX  XXXX XXXX, NC. XXXX XXXX defaulted on her retail contract, and her vehicle was subsequently repossessed on XX/XX/XXXX. The vehicle was sold at auction, and the proceeds were applied to the account, leaving a deficiency balance owed of {$8300.00}. The account was charged off on XX/XX/XXXX. Upon receipt of this complaint, the credit bureau disputes team investigated this account and determined it to be valid and reporting accurately. XXXX XXXX has also disputed through the major credit bureaus. Our investigations have consistently verified the accuracy of the reported tradeline. XXXX has spoken directly with XXXX XXXX about these disputes, informing her that we will continue to address her concerns. However, based on our findings, we must emphasize that she indeed owes the debt in question. At XXXX we strive to achieve the highest level of satisfaction with every customer. While we sympathize with XXXX XXXX predicament, XXXX is required by the Fair Credit Reporting Act, as a data furnisher, to provide accurate credit reporting. We can not adhere to her request to have this removed from her credit report. \nFeedback provided Status Feedback provided on XX/XX/XXXX Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint No The company did what they said they would do with my complaint No ADDITIONAL COMMENTS Re-read the complaint...... this was about inaccurate credit reporting. XXXX only reported the alledged delinquency months. This account was also closed XX/XX/XXXX so why was it reopened more then 5 years later?? Statue of liminations have already expired in NC..... So no XXXX through Transunion is being reported inaccurately.... Account is still currently being reported as opened, charged-off, balance due, and only 4 months show which is the alledged degatory months. Also I want to know what the interest was on this account because the balance does not look correct. Open XX/XX/XXXX Charged off XX/XX/XXXX term duration was only 43 months but only 36 % was paid...... and no balance history on file at all...... \n\nIt is obvious that none of my documents where reviewed or took into consideration. THis is just a surface level review of a comparison to their own internal records. Not a proper investigation. \n\nAlso, the last payment, which they had recorded received on XX/XX/XXXX for {$300.00} is not from a sale. THIS IS THE PRINCIPLE ALLOCATION FROM THE XXXX FROM XX/XX/XXXX WHERE XXXX HAD RECORDED THE PAYMENTS I MADE IN XXXX THEN STATED IN XX/XX/XXXX \" {$0.00} PAID IN XXXX. '' SINCE THE INTEREST HAD ALREADY ACCURED BY TIME THEY CAUGHT THIS ERROR THEY WHERE UNABLE TO MOVE THE INTEREST ONLY THE PRINCIPLE WHICH WAS INDICATED AS INCORRECT ACCOUNT. \n\nNOW IF I ACTUALLY HAD NOT PAID THE XX/XX/XXXX PAYMENT TO XXXX THE BALANCE WOULD HAVE INCREASED NOT STAYED THE SAME. \n\nFACTUALLY FALSE INFORMATION THAT XXXX CONTINUES TO REPORT, XXXX  IS NOT THEIR XXXX NAME OR ASSUMED BUSINESS NAME EITHER. RECORD OF FILED LICENSE WITH NC SECETARY OF STATE DATED XX/XX/XXXX. \n\nI HAVE PERSONALLY CALLED XXXX XXXX XXXX OCCATIONS AND THEY CAN NOT FIND ME IN THE SYSTEM.. WHY? BECAUSE THIS ACCOUNT DOES NOT EXSIST. THIS ACCOUNT WAS CLEARLY DELETED AND READDED WHEN XXXX HAD TO WRITE IT OFF AS A \" CHARGE-OFF '' FOR THE SECOND TIME. LOOK THERE IS NO PAYMENTS HISTORY JUST UNKNOW STATES, NO PAYMENT AMOUNT, NO PAST DUE HISTORY AND THE CHARGE OFF STATUS WAS NOT APPLIED UNTILL XX/XX/XXXX, XXXX YRS LATER. \n\nTHIS ACCOUNT IS NOW BEING REPORTED AS A CHARGE-OFF AND OPEN ACCOUNT, FACTUALLY FALSE INFORMATION. \n\nTHIS ACCOUNT IS NOW REFLECTING MISSING PAYMENTS WHERE AS BEFORE IT WAS NOT. \n\nTHIS IS JUST HARASSMENT BY XXXX FOR REPORTING THEM TO THE ATTORNEY GENERAL, CFPB, FTC, AND NOW FOR BRINGING THE BREACH OF CONTRACT TO DISTRICT COURT IN ILLINOIS.","date_sent_to_company":"2025-04-27T11:59:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"604XX","tags":null,"has_narrative":true,"complaint_id":"13203533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-27T11:59:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In response to XXXX this was for METHOD OF VERIFICATION <em>Closed</em> Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[9.069563,"13203533"]},{"_index":"complaint-public-v1","_id":"11039138","_score":8.918149,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT. On XXXX XXXX, XXXX, I submitted CFPB Complaint # XXXX to Equifax concerning obtaining my personal information from their The Work Number service -- a third-party employment verification service run by Equifax. On XXXX XXXX, Equifax responded that this had to do with XXXX XXXX XXXX- - what?! No where in my complaint did I mention anything to do with XXXX XXXX, so it's my belief that Equifax responded to the incorrect complaint of another consumer whose situation has nothing to do with me. Whatever the case, this is another example of Equifax 's poor data management and complaints handling process. I am asking Equifax to slowly, carefully and thoroughly re-read my original complaint, which I'm including in this new complaint, and have one of their executives respond directly to me. Further, it took Equifax nearly 30 days to respond to me, and I believe their XXXX XXXX response was merely a system-generated response to avoid any potential penalties they may incur for late responses ; that is, Equifax deliberately responded with false, inaccurate information concerning my complaint to stop the clock on their time to respond to me. Here is my complaint one more time : On XXXX XXXX, XXXX, I attempted to place a freeze on my The Work Number report, which is managed by Equifax, via their online system. I provided all my personal information requested by Equifax, including my name, date of birth, address, Social Security number and more. I was successfully able to create a log-in username and password, which then gave me access to The Work Number 's dashboard of tasks including the ability to view my report online at that time. When I clicked on the option to view my report, I received an error message that stated something to the effect of : \" We're sorry! This doesn't happen often, but we need additional information to allow you access to view your report, '' at which point it told me to download a form -- a form that asked me for the exact same information I provided to gain access to The Work Number site and dashboard, along with sending in documents to provide my identity and address -- a driver license, passport, lease, utility bill, etc. I was frustrated and confused at this point, because Equifax was asking me to handwrite a form and send in copies of documents with sensitive data on them, which would contain precisely the same information I already supplied to gain access to my The Work Number site in the first place. I then called the customer service number to place a freeze on my report by phone, because Equifax says you can place a freeze by calling their XXXX XXXX XXXX at ( XXXX ) XXXX. I called the XXXX XXXX XXXX, only to be told that they can't actually place the freeze over the phone -- I had to go back to TheWorkNumber.com and follow the online prompts to send an online message to request to open up a dispute case to place a freeze on my report. To say that we can place a freeze on our report data is deceptive and unfair, because their XXXX XXXX representatives can not do that ; consumers are required to use their online system. So, once again, I had to fill out Equifax 's online contact form with my personal data, explain that I wanted a freeze placed on my report, at which point I sent off the online contact form, only to receive a reply that Equifax would follow up with a secured email, with no specified timeframe for the follow up, with more information on how to complete placing the freeze on my report. Approximately 24 hours later, I received their secured email, which made me click on a link to take me to the secured email and enter my previously created username/password, and then I had to click yet another link to be sent a verification email by yet another company called XXXX, XXXX sent me an email that advised me to click on yet another link to verify that I have proper access to view the secured email sent to me by Equifax. At this point, in order to open up one secured message from Equifax, I had to go through Equifax, click a link to verify my identity, enter my username/password, wait for another email from XXXX, click on their link to verify I'm who I say I am and entitled to view Equifax 's secured message to me, and then finally I can view the message. Once I viewed the message from Equifax, I was advised to use their secured/encrypted messaging platform to upload identification documents to prove my identity and current address -- On XXXX XXXX, I uploaded my Social Security card, Minnesota driver 's license, a recent electricity bill and my signed lease agreement. In the body of my message to Equifax, I specifically stated I want an immediate freeze placed on my Work Number report, because I am in the process of closing on my mortgage and I don't want any new inquiries or fraud on my credit and consumer reports. Since XXXX XXXX, I have received nothing but carbon copies of the emails I've sent Equifax, where I've asked them for a status update on my freeze request on XXXX XXXX. Each email I send them requires me to twice click on links to verify and immediately re-verify my identity through Equifax 's third-party messaging service through XXXX. On XXXX XXXX, I called the same XXXX XXXX XXXX number as before to speak to a live person to ask for a status update on my freeze report request. The representative told me they can not confirm or deny any freeze requests over the phone -- it would all need to be done by email to : XXXX. So, I emailed that email address, only to receive an automated reply telling me I need to submit all my identity and address verification documents again. This email provided absolutely no update or any personalized response to my request for a status update on my freeze request -- all the while I'm trying to freeze my consumer data so I can smoothly complete the home-buying process. I assert that Equifax is knowingly and intentionally engaging in unfair, abusive and deceptive practices by misstating that disputes can be done over the phone when they can not ; the amount of steps, tasks and data that need to be taken and given to place a freeze on my own data are intentionally and deliberately burdensome, cumbersome, daunting and confusing to the average consumer, thus intentionally dissuading consumers from disputing and/or freezing our own data that Equifax itself manages ; and it's abusive and unfair to not offer the report online, fraudulently claiming that \" this doesn't happen often ...., '' forcing me to handwrite their data freeze form and send in documentation, again intentionally dissuading and forcing the average consumer to abandon their right to view, inspect, dispute and freeze consumer data, because Equifax knowingly makes the process of doing so nearly impossible to navigate and complete, leading to unnecessary, lengthy delays in responding to data freeze requests such as mine. \n\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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Other personal consumer report What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing issue Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Difficulty submitting a dispute or getting information about a dispute over the phone What happened? \nOn XXXX XXXX, XXXX, I attempted to place a freeze on my The Work Number report, which is managed by Equifax, via their online system. I provided all my personal information requested by Equifax, including my name, date of birth, address, Social Security number and more. I was successfully able to create a log-in username and password, which then gave me access to The Work Number 's dashboard of tasks including the ability to view my report online at that time. When I clicked on the option to view my report, I received an error message that stated something to the effect of : \" We're sorry! This doesn't happen often, but we need additional information to allow you access to view your report, '' at which point it told me to download a form -- a form that asked me for the exact same information I provided to gain access to The Work Number site and dashboard, along with sending in documents to provide my identity and address -- a driver license, passport, lease, utility bill, etc. I was frustrated and confused at this point, because Equifax was asking me to handwrite a form and send in copies of documents with sensitive data on them, which would contain precisely the same information I already supplied to gain access to my The Work Number site in the first place. I then called the customer service number to place a freeze on my report by phone, because Equifax says you can place a freeze by calling their XXXX XXXX XXXX at ( XXXX ) XXXX. I called the XXXX XXXX XXXX, only to be told that they can't actually place the freeze over the phone -- I had to go back to TheWorkNumber.com and follow the online prompts to send an online message to request to open up a dispute case to place a freeze on my report. To say that we can place a freeze on our report data is deceptive and unfair, because their XXXX XXXX representatives can not do that ; consumers are required to use their online system. So, once again, I had to fill out Equifax 's online contact form with my personal data, explain that I wanted a freeze placed on my report, at which point I sent off the online contact form, only to receive a reply that Equifax would follow up with a secured email, with no specified timeframe for the follow up, with more information on how to complete placing the freeze on my report. Approximately 24 hours later, I received their secured email, which made me click on a link to take me to the secured email and enter my previously created username/password, and then I had to click yet another link to be sent a verification email by yet another company called XXXX, XXXX sent me an email that advised me to click on yet another link to verify that I have proper access to view the secured email sent to me by Equifax. At this point, in order to open up one secured message from Equifax, I had to go through Equifax, click a link to verify my identity, enter my username/password, wait for another email from XXXX, click on their link to verify I'm who I say I am and entitled to view Equifax 's secured message to me, and then finally I can view the message. Once I viewed the message from Equifax, I was advised to use their secured/encrypted messaging platform to upload identification documents to prove my identity and current address -- On XXXX XXXX, I uploaded my Social Security card, Minnesota driver 's license, a recent electricity bill and my signed lease agreement. In the body of my message to Equifax, I specifically stated I want an immediate freeze placed on my Work Number report, because I am in the process of closing on my mortgage and I don't want any new inquiries or fraud on my credit and consumer reports. Since XXXX XXXX, I have received nothing but carbon copies of the emails I've sent Equifax, where I've asked them for a status update on my freeze request on XXXX XXXX. Each email I send them requires me to twice click on links to verify and immediately re-verify my identity through Equifax 's third-party messaging service through XXXX. On XXXX XXXX, I called the same XXXX XXXX XXXX number as before to speak to a live person to ask for a status update on my freeze report request. The representative told me they can not confirm or deny any freeze requests over the phone -- it would all need to be done by email to : XXXX. So, I emailed that email address, only to receive an automated reply telling me I need to submit all my identity and address verification documents again. This email provided absolutely no update or any personalized response to my request for a status update on my freeze request -- all the while I'm trying to freeze my consumer data so I can smoothly complete the home-buying process. I assert that Equifax is knowingly and intentionally engaging in unfair, abusive and deceptive practices by misstating that disputes can be done over the phone when they can not ; the amount of steps, tasks and data that need to be taken and given to place a freeze on my own data are intentionally and deliberately burdensome, cumbersome, daunting and confusing to the average consumer, thus intentionally dissuading consumers from disputing and/or freezing our own data that Equifax itself manages ; and it's abusive and unfair to not offer the report online, fraudulently claiming that \" this doesn't happen often ...., '' forcing me to handwrite their data freeze form and send in documentation, again intentionally dissuading and forcing the average consumer to abandon their right to view, inspect, dispute and freeze consumer data, because Equifax knowingly makes the process of doing so nearly impossible to navigate and complete, leading to unnecessary, lengthy delays in responding to data freeze requests such as mine. \n\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nI want an immediate freeze placed on my Work Number report for the case I've already created via Equifax 's The Work Number website. For Equifax 's unfair, abusive and deceptive practices on placing a freeze on my Work Number report, which has led to unnecessary delays in placing the freeze and thus continuing to compromise my data, I would like a complimentary membership to their credit monitoring product. Finally, I ask that the CFPB investigate for its data dispute and freeze practices, ensuring any and all legally enforceable action is taken to remedy these unfair, abusive and deceptive practices that knowingly cause consumers to abandon their rights to view, inspect, dispute and freeze their data for which Equifax is responsible for managing. \n10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information EQUIFAX What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minnesota XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Race White Household size including total number of adults and children XXXX Combined annual household income {$75000.00} - {$99000.00} Sent to company Status Sent to company on XX/XX/XXXXXXXX  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 still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. \nCompany responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response We completed our review of your request to remove information from your Equifax credit file due to the information being the result of XXXX XXXX. Based on our review of your request and accompanying documents, the following additional information or documentation is necessary to complete your submission under section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142 : Victim determination documentation confirming that you were a victim of XXXX XXXX, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement ; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity ; or a determination by court in a case where a central issue is whether you are a victim of XXXX XXXX. Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a victim of XXXX XXXX. So that we can complete processing of your request and block identified information, you need to contact us as quickly as possible to provide the above additional information. You may do this by mailing the information to us at XXXX XXXX XXXX XXXX GA XXXX or you may call us toll free at ( XXXX ) XXXX for more information or to learn about other ways to get this documentation to us promptly. If you contact us by mail, please include a copy of this letter or provide the confirmation number with your submission. We are required to resolve your request within 25 business days of when we receive it, but we need the above required documentation in order to do so. If we do not receive the necessary documentation specified above in time to meet that deadline, we will have to decline and close your request. If that happens, we will notify you, and you may, of course, resubmit your request with the necessary information and documentation. We look forward to hearing from you to complete your request or answer questions that you may have. Thank you for the opportunity to assist you. Equifax Information Services LLC Please do not reply to this email. Replies and documents routed to this message are routed to an unmonitored mailbox and will not be answered. For questions regarding your request to block adverse information as a result of XXXX XXXX, please call us toll free at ( XXXX ) XXXX. In the alternative, you may mail additional documents for your submission to XXXX XXXX XXXX XXXX GA XXXX. \nFeedback 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 Act Statement OMB # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Monday through Friday ( except federal holidays ). \nMore than 180 languages available. \nXXXX XXXX XXXX official website of the United States Government Inactive modalInactive modalInactive modal","date_sent_to_company":"2024-12-05T19:54:37.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"559XX","tags":null,"has_narrative":true,"complaint_id":"11039138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T19:39:24.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Feedback</em> requested Status <em>Feedback</em> requested on XX/XX/XXXX <em>Feedback</em> due XX/XX/XXXX Provide <em>feedback</em> about the companys response We welcome your <em>feedback</em> on how the company responded to your complaint. You will have 60 days from when the company responded to share your <em>feedback</em>. The CFPB will share your <em>feedback</em> responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your <em>feedback</em> <em>Closed</em> The CFPB has <em>closed</em> your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[8.918149,"11039138"]},{"_index":"complaint-public-v1","_id":"7354505","_score":7.999091,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"On XX/XX/XXXX I disputed the amount of {$9000.00} from merchant XXXX with Chase. On XX/XX/XXXX, Chase notified me that they investigated and found the charge to be valid and case is closed. I sent my first complaint to CFPB on XX/XX/XXXX outlining the problem. On XX/XX/XXXX, Chase responded that they confirmed their previous findings. However there are many unanswered questions about the case so I submitted my feedback on XX/XX/XXXX. Since I haven't heard back, I called the case manager XXXX from the Card Executive Office and she told me I would need to open a new case so here I copied my feedback from XXXX, before I left on vacation. This is in response to the final letter from Chase dated XX/XX/XXXX. Lets first understand what the full services are that the merchant agreed to for Level 4- {$9000.00}. The merchant was to provide my XXXX 6  XXXX  pre-production sessions with their writer and acting coach and provide participation in production/filming as stated on the merchant contract and advertisement. The agreed dates/times for the 6 XXXX  sessions are completed as outlined on my timeline sent to Chase. The promised dates of the production/filming is XX/XX/XXXX week for 4 days at XXXX XXXX in California. My husband, daughter, mother-in-law and myself are in XXXX, GA and will need to pay for travel and accommodations to XXXX XXXX. Did Chase dispute team review my timeline, the contract and advertisement? Because if they did, I dont understand how Chase did not catch that the merchant lied on their XXXX XXXX response claiming they rendered full services based on 6 XXXX  calls. Please explain this to me. Id like to address Chases response in XXXX  points below. 1. Chase stated charge is valid because I agreed to the date and time of the service as well as a report from XXXX  showing that service was rendered in full. The XX/XX/XXXX response from merchant with exhibit A shows I acknowledged a XXXX  schedule of 6 pre-production calls. Where did I agree that this is the full service rendered? I did no such thing. Their response should raise red flags because the emails between myself and merchant shows a back and forth about filming dates in XXXX so how can the 6 XXXX  be full services rendered? Why didnt anyone question this? Were the emails I provided ignored? Even more importantly, the merchant exhibit A purposely omitted the last sentence of the paragraph in contract stating \" As a result of completing the pre-production meetings, XXXX and Client will consider XXXX  prepared and allow XXXX  to participate in a XXXX+ production under the terms and conditions of this contract. '' Why didn't anyone at Chase check the merchant exhibit A against the full contract that I submitted to Chase? Further, I attached the merchant advertisement showing Level 4- {$9000.00} includes filming as well. So let this be clear, the merchant full services are Meet with Writers 6x + Acting Coach + Filming as outlined on the XXXX advertisement and contract. Why was the merchant 's XX/XX/XXXX response accepted at face value? Why didn't Chase contact me and give me the opportunity to respond between XX/XX/XXXX and XX/XX/XXXX? No one at Chase reached out to me after I called them on XX/XX/XXXX. I called again on XX/XX/XXXX asking for an update. I spoke with XXXX and he told me its still in process. Chase had the opportunity to win this case with the full contract and advertisement provided as evidence to prove that merchant lied on their XX/XX/XXXX response. Why didnt Chase send the proof to merchants bank? 2. Chase stated they needed evidence showing merchant promised services for XX/XX/XXXX week. On XX/XX/XXXX I called Chase after I received notification of their letter dated XX/XX/XXXX asking if we want to continue the dispute. I spoke with XXXXChase rep at XXXXXXXXEST and told her my evidence is a voice recording of the merchant promising XX/XX/XXXX week for production/filming. The merchant told me to keep XXXX XXXX open. We paid for Level 4, 4 days filming experience. In the voice recording the merchant confirmed that they booked XXXX XXXX in CA for XX/XX/XXXX week. I was on the phone with XXXX/Chase rep for 17 mins and 10 secs. At the 5 min 54 sec mark, I explained to her about the voice recording and asked how we can do this. However at the 12 min 54 sec mark, XXXX told me that they can't use the audio recording and told me to just put on my response that they verbally told me. I followed her instructions, which led me to believe that was enough. Why didn't Chase accept the voice recording as evidence? Why did Chase tell me to just respond that they verbally told me if that wasnt enough evidence? 3. Chase stated that they explained on XX/XX/XXXX that the outcome of the dispute will remain the same because the merchant provided proof that they made the services available to me. What and where is that proof? Is the proof the XXXX  calls? Then I refer to my questions from point # 1. The merchant never offered another 4 dates that satisfied the agreement. The service I paid for is 4 days summer camp. But in merchant 's email on XX/XX/XXXX, XXXX said she will organize to film in one day on XX/XX/XXXX. She tried to convince me on a phone call to accept 1 day. I paid {$9000.00} for 4 days experience. The conversation left me very uneasy. When merchant never offered to refund any amount or make any amends that is fair to us, I felt they were up to no good. The emails I have shows the merchant made no attempts to make the full service available to me, quite the opposite. I was the one who was trying to accommodate and we were willing to forfeit 1 day experience by asking if they would move up the filming service to XXXX XXXX XXXX. They said no. They didn't budge and told us the 4 filming dates ( XXXX XXXX ) can't be moved but they can get my daughter 's filming done in less days. Again this is their attempt to make me accept lesser days of service than what was agreed without any reimbursement. Our flight tickets leave XXXX for XXXX, XXXX on XX/XX/XXXX. That means we would have to fly back on the XXXX from XXXX XXXX to XXXX and still possibly risk our flight to XXXX the next day with all the flight delays and cancellations these days. That leaves us 2 day filming experience on XX/XX/XXXX and XXXX. I paid for a 4 day experience, not 2 days. Because of our interactions I have a bad feeling that even if we agreed to do the 2 days, paid for airfare, hotel and transportation from XXXX to XXXX XXXX that the merchant will end up cutting filming to just 1 day as mentioned on their email. Where is the evidence that they made services of filming 4 days available to me? On merchant responses on both XX/XX/XXXX and XX/XX/XXXX proves they never had intentions to refund anything even though they are the ones who changed the filming dates well after the 3 day cancellation policy. And knowingly changed it to XX/XX/XXXX week when we told them before signing the contract that we couldnt film that week due to existing travel plans. They are the very definition of unscrupulous businesses. If anyone stepped in my shoes, they will realize they are being conned. 4. Chase stated that they are past the allowable timeframe to pursue this matter further under the XXXX  Core Rules. What actions did Chase make after the merchant response on XX/XX/XXXX if Chase knew the timeframe expires on XX/XX/XXXX? Why didnt Chase put urgency to resolve this case before the timeframe expired? Why was I not notified prior to XX/XX/XXXX that the merchant responded on XX/XX/XXXX? Why did Chase only send me a letter on XX/XX/XXXX, 7 days past the allowable timeframe when there is no recourse with Visa? I called and spoke with Chase reps on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to ask how to appeal or dispute the transaction again. Why didnt anyone tell me that the timeframe with Visa has expired on those calls? Why would the dispute team advise me on XX/XX/XXXX on how to dispute the transaction again if the timeframe with Visa has already expired? Again I followed the instructions from Chase rep to file the re-dispute and sent all documents through the Secure Message center. On XX/XX/XXXX I received notification that Chase sent a letter dated XX/XX/XXXX with the same result, that charges are valid but no explanation why. I called same day and only then I was told that the timeframe to appeal has expired. Why didnt Chase communicate this to me when I spoke with them from XXXX? According to FTC, if I disagree with results of the investigation, I have the right to appeal the decision within the time period the issuer gives you for payment or 10 days of getting the explanation, whichever is later. Is it right or legal that my right to appeal was taken from me because the Chase dispute team didnt act promptly? All my efforts with the merchant was exhausted and that's why I depended on Chase dispute team to help consumers like me who are frauded by unscrupulous merchants like these. I would like Chase to review all the evidence with a fresh set of eyes and provide answers to all my questions asked above.","date_sent_to_company":"2023-08-04T14:35:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"7354505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-04T13:44:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, Chase notified me that they <em>investigated</em> and found the charge to be valid and case is <em>closed</em>. I sent my first complaint to CFPB on XX/XX/XXXX outlining the <em>problem</em>. On XX/XX/XXXX, Chase responded that they confirmed their previous findings. However there are many unanswered questions about the case so I submitted my <em>feedback</em> on XX/XX/XXXX."],"sub_issue":["Other <em>problem</em>"]},"sort":[7.999091,"7354505"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":20,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":20}]}},"product":{"doc_count":20,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":10},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Debt collection","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":2},{"key":"I do not know","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"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":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":1}]}}]}},"issue":{"doc_count":20,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":10,"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":6},{"key":"Investigation took more than 30 days","doc_count":4}]}},{"key":"Incorrect information on your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is missing that should be on the report","doc_count":2}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Seized or attempted to seize your property","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}},{"key":"Other features, terms, or problems","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","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":"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":20,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":20}]}},"company_response":{"doc_count":20,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":18},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":20,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":20}]}},"company":{"doc_count":20,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":5},{"key":"Experian Information Solutions Inc.","doc_count":5},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"Block, Inc.","doc_count":1},{"key":"DISCOVER BANK","doc_count":1},{"key":"I.C. System, Inc.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1}]}},"state":{"doc_count":20,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":5},{"key":"LA","doc_count":4},{"key":"FL","doc_count":3},{"key":"MD","doc_count":2},{"key":"IA","doc_count":1},{"key":"IL","doc_count":1},{"key":"MN","doc_count":1},{"key":"TX","doc_count":1},{"key":"WI","doc_count":1},{"key":"WV","doc_count":1}]}},"company_public_response":{"doc_count":20,"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":9}]}},"tags":{"doc_count":20,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":5},{"key":"Older American, Servicemember","doc_count":2}]}}},"_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":{}}}