{"took":374,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":74,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11002279","_score":20.703976,"_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":["Complaint 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."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[20.703976,"11002279"]},{"_index":"complaint-public-v1","_id":"11002283","_score":20.692144,"_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":["Complaint 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."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[20.692144,"11002283"]},{"_index":"complaint-public-v1","_id":"11002238","_score":20.692144,"_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":["Complaint 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."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[20.692144,"11002238"]},{"_index":"complaint-public-v1","_id":"11003332","_score":20.689054,"_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":["Complaint 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."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Investigation took more than 30 days"]},"sort":[20.689054,"11003332"]},{"_index":"complaint-public-v1","_id":"3855115","_score":17.9454,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is in reference to a problem with Transunion Credit Bureau 's investigation into an existing problem. To explain, upon request for free copies of all three credit reports via XXXX XXXX XXXX, I discovered an account with an adverse history previously reported by XXXX XXXX did appear on more than one of the reports. Thus, XX/XX/XXXX via certified mail, I notified Transunion, XXXX, and XXXX Consumer Reporting Agencies regarding an item reported by creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because the first delinquency reported by XXXX occurred seven years ( 7 ) years prior, more specifically, XX/XX/XXXX, I did provide a copy of a previous Transunion Credit report dated XX/XX/XXXX, and a previous XXXX report dated XX/XX/XXXX which verifies my claim that the first delinquency reported by XXXX was in fact XX/XX/XXXX as noted on both credit reports. Therefore, I requested that the account be deleted per the statute of limitations. On the positive side, an investigation was conducted by Transunion, XXXX, and XXXX and the results were mailed to me. Notably, XXXX and XXXX Credit Bureaus deleted the item ; however, on the negative side, Transunion did not remove the item. Moreover, Transunion verified the item as accurate. In addition, the report shows that the account will remain on my Transunion file until XX/XX/XXXX.","date_sent_to_company":"2020-09-23T19:55:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"195XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3855115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-09-18T07:12:34.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint is in reference to a problem with Transunion Credit Bureau 's investigation into an existing problem. To explain, upon request for free copies of all three credit reports via XXXX XXXX XXXX, I discovered an account with an adverse history previously reported by XXXX XXXX did appear on more than one of the reports."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.9454,"3855115"]},{"_index":"complaint-public-v1","_id":"6728486","_score":17.748158,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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 I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[17.748158,"6728486"]},{"_index":"complaint-public-v1","_id":"6728499","_score":17.715635,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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 I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:52:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-03-21T17:08:08.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[17.715635,"6728499"]},{"_index":"complaint-public-v1","_id":"6728064","_score":17.707817,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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 I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[17.707817,"6728064"]},{"_index":"complaint-public-v1","_id":"9640541","_score":16.914785,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : : CFPB Case XXXX XXXXXXXX I spoke with the United States Bankruptcy Court District of Utah Court XXXX XXXX XXXX United States CourtHouse XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX court clerk XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> and verified this is incorrect delete this ASAP! \n\nI have been telling you this since XXXX. I do not recognize the following inaccurate info. \nBankruptcy Records XXXX XXXX The bankruptcy status is inaccurate. \nBankruptcy Filing Number- This is incorrect delete this ASAP Bankruptcy Court Details- This is incorrect delete this ASAP Filing Details- This is incorrect delete this ASAP Trustee Name- This is incorrect delete this ASAP Assets Available - This is incorrect delete this ASAP To Whom It May Concern : Thank you for helping me get some of the accounts that incorrectly appeared on my credit report deleted. However, I still dispute the remaining items. These are still being reported inaccurately and are extremely damaging to my credit. \n\nAs stated in my last dispute, the filing number, court details, fililing details, trustee name & asset are INNACCURATE. \n\nI let the company know and they only verified my name, address and social security number matched the records. They still did not VERIFY OR DELETE THIS INNACCURATE INFO. \nI am still having a problem with a company 's investigation into an existing problem. \nI was not notified of investigation status or results account status incorrect. \nI have tried to fix this with the company. \nI requested information from the company I did not recieve the information company failed to provide. \n\n\nXXXX XXXX","date_sent_to_company":"2024-08-01T14:33:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9640541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-07-27T18:03:45.000Z","state":"UT","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["These are still being reported inaccurately and are extremely damaging to my credit. \n\nAs stated in my last dispute, the filing number, court details, fililing details, trustee name & asset are INNACCURATE. \n\nI let the company know and they only verified my name, address and social security number matched the records. They still did not VERIFY OR DELETE THIS INNACCURATE INFO. \nI am still having a problem with a company 's investigation into an existing problem."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Was not notified of investigation status or results"]},"sort":[16.914785,"9640541"]},{"_index":"complaint-public-v1","_id":"14927224","_score":16.345686,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed XXXX separate complaints with the CFPB against TransUnion for reporting inaccurate or unverifiable credit data and failing to conduct adequate investigations : Complaint # XXXX \" Incorrect information on your report '' XX/XX/XXXX Complaint # XXXX \" Problem with a companys investigation into an existing problem '' XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX \" Incorrect information on your report '' XX/XX/XXXX Each case was officially marked Closed with explanation, but none resulted in correction or removal of the disputed items : Missing hard inquiries since XX/XX/XXXX Incorrect late payment notations on multiple accounts ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Duplicate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, balance, status ) Credited utilization reported at XXXX XXXX which is mathematically impossible An XXXX account reported as XXXX despite being under forbearance ( protected under FCRA and CARES Act XXXX In all instances, TransUnion confirmed they investigated XXXX disputes and contacted furnishers but failed to explain why none of my detailed documentation was considered sufficient, and whether any disputes were deemed frivolous, as required under 15 U.S.C. 1681i ( b ) ( 1 ).\n\nDespite providing clear and documented evidenceincluding account statements, utilization calculations, forbearance status letters, and screenshotsTransUnion did not correct a single item, nor notify me of any frivolous dispute determination.","date_sent_to_company":"2025-07-28T18:38:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"14927224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-28T18:32:19.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I filed XXXX separate complaints with the CFPB against TransUnion for reporting inaccurate or unverifiable credit data and failing to conduct adequate investigations : Complaint # XXXX \" Incorrect information on your report '' XX/XX/XXXX Complaint # XXXX \" Problem with a companys investigation into an existing problem '' XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint # XXXX same issue XX/XX/XXXX Complaint #"],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[16.345686,"14927224"]},{"_index":"complaint-public-v1","_id":"11271177","_score":14.73302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I found that fraudulently opened credit card accounts that were previously deleted were re-added to my Transunion credit report. Before this, I had submitted a complaint to Transunion regarding this issue, along with supporting documentation, and Transunion removed the fraudulent account ( CFPB XXXX. XXXX ). After XXXX XXXX responded, I submitted additional information to Transunion ( CFPB XXXX. XXXX ), including a police report, proof of identity, and a host of other things to prove that the account was fraudulently opened to stop the account from being re-added. Still, Transunion never took this information seriously, resulting in the account being re-added. The practice may have violated the relevant provisions of the FCRA ( 1681e ( b ) ).\n\nI want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : XXXX. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. 2. The XXXX XXXX XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI will attach Transunion 's findings in CFPB XXXX. XXXX indicating that the agency has removed the account from the credit report before. In the meantime, I will again attach the police report, state ID, FTC Identity Theft Report, bank statement for proof of current address, and original SSN and address history for 2 years as supporting documentation.","date_sent_to_company":"2024-12-24T00:41:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11271177","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-24T00:03:54.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["I want to reiterate the following : As a victim of identity theft, I would like to submit additional supporting documentation to credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) I have made."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[14.73302,"11271177"]},{"_index":"complaint-public-v1","_id":"10972995","_score":14.301114,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXX XXXX fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXXXXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. \n\nXXXX XXXX XXXX XXXX XXXXXXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI have contacted XXXX and submitted additional support documentation using experian.com/upload, which involves a Report Number of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor Equifax, I noticed XXXX Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed. \n\nFor XXXX, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report. \nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ). \nA copy of the FTC Identity Theft Report. \nA copy of the Identity Theft letter. \n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10972995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-29T04:27:09.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[14.301114,"10972995"]},{"_index":"complaint-public-v1","_id":"10974721","_score":14.282482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX : fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX response to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. \n\n2. The XXXX XXXX XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history.\n\nI have contacted Experian and submitted additional support documentation using experian.com/upload, which involves a Report Number of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor XXXX, I noticed 2 Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed. \n\nFor XXXX, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report.\n\nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ).\n\nA copy of the FTC Identity Theft Report.\n\nA copy of the Identity Theft letter.\n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10974721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-29T05:42:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[14.282482,"10974721"]},{"_index":"complaint-public-v1","_id":"10974722","_score":14.281906,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXX XXXX XXXX : fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXX XXXX response to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster.\n\n2. The XXXX XXXX XXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI have contacted XXXX and submitted additional support documentation using XXXX, which involves a Report XXXX of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor XXXX, I noticed 2 Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed.\n\nFor Transunion, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report.\n\nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ).\n\nA copy of the FTC Identity Theft Report.\n\nA copy of the Identity Theft letter.\n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10974722","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-29T05:42:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[14.281906,"10974722"]},{"_index":"complaint-public-v1","_id":"14362290","_score":13.941713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TRANS UNIONDue to the recent class Action lawsuit filed against TransUnion on XX/XX/XXXX. I insist you conduct an investigation as you are required by the FCRA Law. Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. You have failed tremendously not taking my letters and documents information seriously. I have been trying to solve this issue for a year now you have not shown me any documents in how you investigated the items in questioned. I have prove to you all violations in my consumer credit report. I have now been in the position in taking further legal steps locally at my county courthouse if there is no cooperation within the 30 days. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY This is a clear violation of the FCRA as this is not accurate or complete. I am writing to formally dispute the account listed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my records after receiving an updated report from TransUnion. Problem with the company 's investigation into an existing problem not verified correctly. \nAccording to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter.\n\nI provided a brief explanation of why I believe the debt is incorrect some reasons include : The amount was paid in full/never a charge off. I own the pink slip. all three credit bureaus are reporting different information. payments are showing unknown/never late so how could it be a charge off. account status derogatory and paid.\n\nThe account is beyond the statute of limitations ( 9yrs ) TransUnion are extending the years. account closed showing different dates. last payment made shows different dates. not showing all the years paid since XXXX. The results have not been resolved to be accurate. I can't believe that I'm still pointing out the same issues and it has not been updated to be accurate, fair and complete. This is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Failure to properly investigate consumer disputes, citing \" sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate reports. I am deeply concerned that my dispute may be mishandled in a similar manner. Please review the inaccurate information and violations being reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \nUnder the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal of this information from my credit report. Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. \nXXXX XXXX","date_sent_to_company":"2025-06-29T03:01:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91709","tags":null,"has_narrative":true,"complaint_id":"14362290","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-29T01:51:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am writing to formally dispute the account listed by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my records after receiving an updated report from TransUnion. Problem with the company 's investigation into an existing problem not verified correctly. \nAccording to the records I the consumer has disputed and has disagreed for some time now and nothing has been done to correct the matter."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[13.941713,"14362290"]},{"_index":"complaint-public-v1","_id":"13522987","_score":13.389858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] 2. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] 3. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. Please block the fraudulent information from my credit report within XXXX business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it XXXX be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ). I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. Sincerely, XXXX XXXX Enclosures :","date_sent_to_company":"2025-05-15T15:14:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"13522987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-15T14:42:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["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."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[13.389858,"13522987"]},{"_index":"complaint-public-v1","_id":"21143080","_score":12.285844,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting a complaint regarding an unresolved issue with rewards associated with my Best Buy credit card account issued by Citibank. \n\nThis issue has been present since I originally opened the account, however I did not begin actively investigating or reporting the problem until XX/XX/scrub> 2026, when I noticed that rewards tied to my credit card purchases were not tracking or posting correctly. \n\nWhen accessing the rewards section through Citis system, I consistently receive a system error, and no rewards are being accrued despite eligible purchases being made. \n\nThe issue was first formally raised around XX/XX/scrub> 2026, when I contacted customer support after confirming that rewards were not being applied. Since then, I have spent over XXXXXX/XX/XXXXacross multiple phone calls and chats attempting to resolve this issue. \n\nDuring this time : Multiple cases were opened and escalated ( including case IDs XXXX, XXXX, and XXXX ). \nCases were repeatedly misrouted to incorrect departments and denied without resolution. \nI was not notified when cases were denied, requiring repeated follow-up and restarting the process. \nI was incorrectly informed multiple times that my account was not properly linked, despite confirming and relinking it during multiple interactions. \n\nAt least XXXX representative indicated that the issue may involve a stuck or incorrect membership profile or internal system mismatch affecting how rewards are tracked. However, no confirmed root cause or resolution has been provided. \n\nOn XX/XX/year>2026, I was told the issue would be escalated to the appropriate internal department with an expected resolution timeframe of XXXXXX/XX/XXXX. No resolution occurred, and the issue persists. \n\nAs of my most recent interactions, I have not been provided with a viable solution. I was informed that creating a new account may be an option, but that any existing or missing rewards would not be restored. This would result in the loss of rewards earned through credit card usage due to a system issue outside of my control. \n\nI have made multiple good-faith attempts to resolve this issue through standard customer service channels. Despite this, rewards tied to my credit card account remain inaccessible due to what appears to be an internal system failure that has existed since account opening. \n\nThis issue directly impacts the benefits associated with my credit card account and represents a failure to deliver advertised rewards tied to eligible purchases.","date_sent_to_company":"2026-04-10T20:40:24.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"21143080","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-10T20:33:47.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["I am submitting a complaint regarding an unresolved issue with rewards associated with my Best Buy credit card account issued by Citibank. \n\nThis issue has been present since I originally opened the account, however I did not begin actively investigating or reporting the problem until XX/XX/scrub> 2026, when I noticed that rewards tied to my credit card purchases were not tracking or posting correctly."],"product":["Credit card"],"sub_product":["General-purpose credit card or charge card"],"sub_issue":["Problem with rewards from credit card"]},"sort":[12.285844,"21143080"]},{"_index":"complaint-public-v1","_id":"3522878","_score":10.232568,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a new JP Morgan Chase Personal Savings and Checking account online on Monday, XX/XX/XXXX. I made the initial minimum deposit amounts of {$50.00} into each account to complete the opening. I then did a wire transfer from my XXXX XXXX XXXX checking account to Chase in the amount of {$22000.00}. On Friday, XX/XX/XXXX, I attempted to login into my new Chase account online at which time I was notified that my account had been locked due to, \" suspicious activity. '' I was provided a number to call. Upon calling, I was informed by Chase that both my checking and savings accounts were closed. I asked them why and they said it was an internal determination that they could not share with me. I then filed a complaint with their, \" Executive Office '' on XX/XX/XXXX. I did not receive any updates, so I called the Executive Office again on Tuesday, XX/XX/XXXX and left a message. My call was not returned. Then I called the Executive Office a 3rd time on XX/XX/XXXX, at which time I was told the specialist handling my case would contact me later in the day. The specialist, XXXX, contacted me around XXXX PST on XX/XX/XXXX. She confirmed that the account was not closed due an error in spelling of my first name and that a petition to keep the account open due to an existing business account relationship was still under review. I asked her to provide the information that Chase reviewed to determine to close my newly opened accounts. She said she could not do this and told me I would need to send a subpoena to their registered agent XXXX XXXX XXXX. I then called back and asked that Chase provide me with the consumer reporting agency they use to make determinations on new personal account openings, but she said she could not provide this information either. \n\nI have a credit score in the mid to high 700s, 27 years of good banking history with XXXX XXXX XXXX, a Chase credit card in good standing, and a Chase business account in good standing. Despite this, Chase has denied me a personal checking and savings account. Worse yet, I transferred a significant portion of my checking account balance and moved my direct deposit from my employer to Chase. Chase said they could accept these deposits, but it would take up to 14 days to close my accounts, then another 7 days before I received the funds. This amounts to over {$25000.00} of my personal money that I can't access now due to Chase closing my account without any sort of notification, just days after they allowed me to open it. Additionally, I had changed my auto-debit accounts over to Chase, including my mortgage payment which has caused a significant financial problem that could have adverse repercussions for my personal finances and credit reports. \n\nPer Enforcement Action taken by the CFPB against Chase in XXXX, Chase has filed to comply with this action by refusing to do any of the following : Ensure accurate information is reported : Chase must implement reasonable policies and procedures regarding the accuracy of information on consumers checking account behavior that it sends to consumer reporting companies. \n\nInform consumers of investigation outcomes : Chase must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. \n\nProvide consumers with contact information : Chase must provide consumers with the contact information of the consumer reporting company that supplied information that Chase used to deny an application for a deposit account.","date_sent_to_company":"2020-02-06T20:33:41.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"92869","tags":null,"has_narrative":true,"complaint_id":"3522878","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-02-06T20:03:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["Inform consumers of investigation outcomes : Chase must report the results of its investigations to consumers who filed disputes with the bank regarding the information reported about them to consumer reporting companies. \n\nProvide consumers with contact information : Chase must provide consumers with the contact information of the consumer reporting company that supplied information that Chase used to deny an application for a deposit account."]},"sort":[10.232568,"3522878"]},{"_index":"complaint-public-v1","_id":"13407147","_score":10.156522,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed a late payment record history reported to the credit bureaus on my account with TD XXXX XXXX XXXX XXXX XXXX . This late payment in XXXX XXXX as more than XXXX late was the direct result of significant changes to TD XXXX XXXX XXXX XXXXXXXX account and XXXX XXXX XXXX, and the impact and details of which were not properly communicated to me as a customer. \nXXXX. In late XX/XX/XXXX, TD XXXX XXXX XXXX XXXX XXXX implemented changes to its payment processing systems, moving from the My Online Account ( XXXX ) system/platform to My TD XXXX ( XXXX ). \nXXXX. On XXXX, XXXX I received an email notification that TD Retail cards and my XXXX XXXX account would be moving to a new system XXXX with a new Logon link to the new system. The email noted : WHATS Next : As we get closer to completing our system upgrade, we will provide any updates or important information by email, on your billing statement and on our Cardholder Resources page. We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. \nNOTE : A copy of this and other email notifications is attached to this letter as supporting documentation. \nXXXX. On XX/XX/XXXX, an email notification was sent to customers informing that : IMPORTANT : The websites you currently use to log into your account XXXX and XXXX will no longer be available after XX/XX/XXXX. \nWHAT YOU NEED TO KNOW : From XX/XX/XXXX through XX/XX/XXXX, online account management will be unavailable. If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \nXXXX. There was NO notification that move to the new system would impact existing payment methods and Automatic Payments and require customers to re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. None of the communications sent me as a customer via email or otherwise, or on the website linked in the email communications provided this significant and important further information on the change. \nXXXX. The Only mention of any payment impact was during the dates of XX/XX/XXXX to XX/XX/XXXX in the XX/XX/XXXX notification email : During which time If you have a payment due during this period, please schedule your payment in advance or call XXXX make a one-time payment via our automated system. \no There was NO mention of other impacts, that existing payment setup and account settings would not be migrated/transferred to the new system and any requirements to re-register for payments including Automatic Payments and account notifications etc. \nXXXX. There was No clear information provided by TD XXXX XXXX XXXX on the details changes and any requirements for customers beyond registering for an account in the new system was provided in these notification emails and communications from TD Retail Card Services and the information page link provided for further details/learn more ( a copy of the website and the email notifications are attached to this letter as supporting evidentiary documentation ). \n\nUnfortunately, as a result of this lack of clear notification of changes by TD XXXX XXXX XXXX and the subsequent failure to re-register my automatic payments in the new system, and notify of a requirement to re-register payment accounts and re-setup Automatic Payments a payment was missed which I was not made aware of until it was more that 30 days past due, leading to a late payment record being reported to the credit bureaus. This has adversely affected my credit score and financial standing.\n\nIn accordance with the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : 1026.9 - Subsequent Disclosure Requirements, credit card issuers are required to provide timely and clear disclosures about significant changes to account terms, including payment systems. The failure to clearly notify me of these changes and requirements including those that impact payments constitutes a violation of this regulation.\n\nFurther, 1026.10 ( f ) Changes by the card issuer, states credit card issuers are required to notify consumers of significant changes to their systems that affect payment processing. Additionally, if such changes result in a late fee or finance charge, the issuer must waive or remove the fee or charge, or credit the consumer 's account in an amount equal to the fee or charge.\n\nReference 1026.10 ( f ) of the Consumer Financial Protection Bureau 's Truth in Lending Act ( Regulation Z ) : ( f ) Changes by card issuer. If a card issuer makes a material change in the address for receiving payments or procedures for handling payments, and such change causes a material delay in the crediting of a payment to the consumer 's account during the 60-day period following the date on which such change took effect, the card issuer may not impose any late fee or finance charge for a late payment on the credit card account during the 60-day period following the date on which the change took effect.\n\nI have provided copies of the various email notifications from TD XXXX XXXX XXXX XXXX XXXXXXXX and the transition webpage page as supporting documentation of the failure to provide clear disclosure and notification of changes to the account and payment management systems, including failing to notify customers that customers will be required re-register their payment methods and set up automatic payments anew, as well as other account management details such as notification alerts for late/missed payments etc. \nThese communications Stated Only : We're working hard to minimize any disruptions and ensure this transition is as seamless as possible. Without any other required significant information on the impact of the change to payment methods for customers, including Automatic Payments and account management alert settings etc. These significant details should have been provided in accordance with the Truth in Lending Act ( Regulation Z ) : 1026.9 and 1026.10 with at least 45 days notice.\n\nI have NEVER had any payment late 30 days or more in my credit history with ANY account and always been diligent in managing my financial obligations. As a loyal customer, I have always taken great care to ensure timely payments on my account since opening my XXXX XXXXTD XXXXXXXX XXXX account in XX/XX/XXXX I have experienced ongoing issues with Auto Payment processing with the older myonlineaccount.net system that resulted in payments not being properly processed by TD Retail XXXX XXXX as scheduled. This was confirmed on multiple occasions with TD agents with whom I spoke with to understand the issues in the past 18 months, resolve and correct to withdrawal from my TD Bank checking account. Agents helped to both edit and/or remove and re-add the TD Checking account directly on multiple occasions because they could see this was an error on TDs system which had failed to attempt to take the payment from my TD bank account, despite all the details being correct. The last time the agent still could not explain why this had been happening. You will find all these problems and agents assisting to correct the issues on TD Retail Card systems noted on my account history. \n\nI have directly contacted the lender in writing with a letter including these details and supporting documentation. The response received was that they completed their investigation and not changes have been made. There was not information specifically regarding the late payment history record from XXXX and my supporting documentation and statements that they failed to provide proper notification to consumers such as myself of the change impact on payments including automatic payments and account management alerts and that customer need to take important action to re-setup payment accounts and automatic payments to avoid payment issues. They provided no supporting information to demonstrate that they had in fact provided such required detailed information to customers. Attempts to call directly and speak to anyone in the Dispute department results and endless call transfers and told you must mail a dispute. I have not been able to speak with a supervisor or anyone regarding the issue being disputed and why they will not remove the late payment /miss payment history record.","date_sent_to_company":"2025-05-08T22:15:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"334XX","tags":null,"has_narrative":true,"complaint_id":"13407147","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-05-08T21:24:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Unfortunately, as a result of this lack of clear notification of changes by TD XXXX XXXX XXXX and the subsequent failure to re-register my automatic payments in the new system, and notify of a requirement to re-register payment accounts and re-setup Automatic Payments a payment was missed which I was not made aware of until it was more that 30 days past due, leading to a late payment record being reported to the credit bureaus."],"product":["Credit reporting or other personal consumer reports"],"issue":["Problem with a company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Problem with personal statement of dispute"]},"sort":[10.156522,"13407147"]},{"_index":"complaint-public-v1","_id":"2983142","_score":9.559295,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX three significant and obvious fraudulent attempts were made to withdraw funds from our Charles Schwab Bank checking account. These were successfully processed on XX/XX/XXXX and the funds taken from our account. We detected the problem from the Charles Schwab website on the same date and IMMEDIATELY informed Charles Schwab. On that same date a fourth attempt by the same party was made, which was allowed to process on XX/XX/XXXX. Altogether the total fraudulent payments made from our account totaled more than {$22000.00}. These payments were characterized on the Charles Schwab website as paid to a legitimate vendor whom we had made a long series ( more than 4 years ) of consistent $ XXXX monthly payments to, but were apparently directed to an individual in XXXX XXXX Missouri whom Charles Schwab identified to us once, but then refused to repeat. We had never made a payment more than {$120.00} to the vendor ( XXXX XXXX ) at any time, and had pending payments of {$120.00} a month at the time the fraudulent {$22000.00} was paid out. \n\nAfter we opened a fraud report with Charles Schwab we agreed to freeze the existing checking account but we provided a detailed list of outstanding checks, and bill payments - and while we transferred most of the remaining balance out of the checking account to our Charles Schwab brokerage account, we left a sufficient amount to pay those bills in the checking account with Charles Schwab 's REPEATED assurances that they would be allowed to clear when presented for payment, or when scheduled to pay through their \" bill pay '' process. When the fraud investigator agreed that the four withdrawals/payments taken from our account on XX/XX/XXXX and XX/XX/XXXX were thefts, the funds were returned to us, and we immediately transferred those into our Charles Schwab brokerage account. \n\nOn the day following our fraud report we went to the local Charles Schwab brokerage office, and met with an advisor named \" XXXX XXXX ''? who opened new bank and brokerage accounts for us, and into which we transferred most of the funds in our prior brokerage account since we needed those funds to conduct our economic life. Mr. XXXX did NOT at any time advise us that Charles Schwab would be conducting a hard credit check on us, nor did he offer us any opportunity to refuse such a credit check and to take our funds elsewhere. \n\nThe day after this we learned from two parties to whom we had issued checks prior to the fraud that Charles Schwab bank had returned those checks with the notation \" account frozen '' on them. These had been reported as NSF checks ( derogatory and harmful to our reputations, and also false and misleading ) to the system which other financial institutions utilize in order to assess the credit worthiness of people who wish to open checking or other accounts with them. At no time were there insufficient funds in the account to pay those checks - and so the harm done to our reputation and credit worthiness by these returned checks was and remains substantial. \n\nAt this point we attempted to contact the fraud investigator and Mr. XXXX, neither of whom returned our calls. Later we were able to connect with XXXX XXXX, the Interim Manager of the XXXX XXXX branch of Charles Schwab, who, in turn, evidently referred our situation to the Charles Schwab Client Advocacy team. During our efforts to correct this situation we were told, contemptuously, by a Charles Schwab employee that their promise to honor outstanding checks at the time of the fraud which had been specifically identified to them in detail ( date, check #, payee, and amount ) was only on a \" best efforts '' basis. This was the FIRST time ( after the fact of the returned checks ) that this term was used in any communication of any Charles Schwab employee with us.\n\nAfter we were contacted by the Client Advocacy team, whose name was \" XXXX '' he insisted that we had agreed to the hard credit check to open our new bank and brokerage account. We had learned of this hard credit check only when we were contacted by an employee to verify our identity the day after we opened the account through Mr. XXXX, and when we objected \" XXXX '' insisted that we had agreed to it, that it was \" in the agreement '', etc. We NEVER agreed either in writing or by electronic signature. \n\nLast Friday we were contacted by the Supervisor of the Client Advocacy team who agreed that Charles Schwab had violated our rights and that there is a procedure for transferring from an existing account to a new account that should have been followed in our case, since our reason for making this change was because of a series of fraudulent withdrawals from our existing Charles Schwab bank account. And she offered to write a letter to XXXX which is the credit reporting agency from whom they requested the hard credit report to \" withdraw '' the hard credit check. But we have reached the end of our rope and do not believe this is a satisfactory resolution to our situation. \n\nOver this past weekend Charles Schwab bank returned the third ( there were only five - the first two of which they paid ) check which we had identified to them at the time of our initial fraud report. This particular payee ( XXXX XXXX ) has a policy of charging a significant fee to us because of the bounced check IN EXCESS OF THE AMOUNT OF THE ORIGINAL PAYMENT - AND OF MAKING AN ADVERSE CREDIT REPORT against us for this defect. Charles Schwab again apparently relies on it's \" best efforts '' language which was never disclosed to us, and which the Client Advocacy team leader agreed had been \" no efforts '' in our case. \n\nAll of the \" bill pay '' payments have been allowed to process, although in each case several days late - some of these payments, had they not been processed on time could and may still result in severe economic harm to us. \n\nThis alleged \" bank '' which has no branches, and can only be dealt with through its telephone and online interfaces, and by dealing with dual hat employees of both their brokerage service and the bank ( as Mr. XXXX described himself ) has literally put the mask and gloves on and assisted the bank robbers in taking more than {$22000.00} from us ( which they did NOT perceive, but only responded to when WE reported the thefts to them ) - and in returning legitimate payments we repeatedly identified to them in detail thus significantly harming our reputation and credit, and by performing unauthorized and undisclosed hard credit checks on us. \n\nOne additional matter we want on the record - naturally Charles Schwab bank puts none of their representations in which they admit both fault and failure in how they have handled this situation in writing. But they do announce ON EVERY CALL that it will be recorded and monitored. We are confident that they will either destroy or misplace or alter these conversations, but we would hope that this complaint would put them on notice that any such action on their part, from our point of view, and from that of any reasonable person, would constitute the destruction of evidence and admission of our assertions. \n\n\n\nWe request that CFPB both notify them, and also sanction them as severely as possible. Civil litigation is problematic because Charles Schwab through its various entities has engaged most if not all of the competent law firms in XXXX XXXX who might be interested in taking action on our behalf against them. This is evidently a strategy they adopt to prevent access to the courts by establishing a pre-existing relationship through some trivial matter or another under which they engage virtually all law firms to prevent those they harm from doing the same due to the \" conflict of interests '' limitations which lawyers must observe. \n\nThank you for any help you can extend in this matter.","date_sent_to_company":"2018-08-06T14:17:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"2983142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHARLES SCHWAB CORPORATION, THE","date_received":"2018-08-06T13:28:56.000Z","state":"NV","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["And she offered to write a letter to XXXX which is the credit reporting agency from whom they requested the hard credit report to \" withdraw '' the hard credit check. But we have reached the end of our rope and do not believe this is a satisfactory resolution to our situation. \n\nOver this past weekend Charles Schwab bank returned the third ( there were only five - the first two of which they paid ) check which we had identified to them at the time of our initial fraud report."]},"sort":[9.559295,"2983142"]},{"_index":"complaint-public-v1","_id":"7163609","_score":8.795881,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. Experian and XXXX have done nothing but give me difficult time on the telephone and correspondence generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud. \nU.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in thisOn XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this On XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this XXXX XXXX O MO XXXX al 9 % XXXX LT PDF Save as PDF Copies : XXXX Paper size : PRODUCT Credit reporting, credit repair services, or other personal consumer reports PDF 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 wil typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this /5 section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reportin g agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was r requested by the consumer in error ; ( B ) the information was blocked, ora block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1 681i ( a ) ( 5X ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check servicescompany, acting as such, which issues authorizations for theby any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. \n\nExperian and XXXX thinks this law does not apply to them. \n\nThese are the issues with my credit reports : ( XXXX ) The addresses XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX are outdated and have been linked to fraud and identity theft by interrupting the forwarding of mail. ( see enclosed case numbers from the USPS ) THESE ADDRESSES NEED TO BE REMOVED EMPLOYMENT : My business name XXXX XXXX XXXX has been changed to XXXX XXXX XXXX ( see enclosed Certificate of Existance ) US Department of the Navy ( XXXX ) is my former employment ( XXXX ) The following inquiries are were not authorized or initiated by me : ( The first one I have been disputing for over a year ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; ( XXXX ) XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) & ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) THESE INQUIRIES NEED TO BE REMOVED. \n\nIf the credit bureaus would actually contact the company listed as the inquirer, they would learn that they are instructing us incorrectly when telling us to contact the furnisher. They listen, check their systems for accounts but ultimately tell you to contact the bureaus.","date_sent_to_company":"2023-06-26T03:09:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30228","tags":"Servicemember","has_narrative":true,"complaint_id":"7163609","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-26T02:07:01.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["a credit reporting company 's investigation into an existing problem We received your complaint."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[8.795881,"7163609"]},{"_index":"complaint-public-v1","_id":"7163503","_score":8.795881,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX and Equifax have done nothing but give me difficult time on the telephone and correspondence generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud. \nU.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in XXXX XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this On XX/XX/2023 | filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes XXXX I next ( a ) Block Except as otherwise provided in this XXXX XXXX O MO 5G al 9 % N LT PDF Save as PDF Copies : XXXX Paper size : PRODUCT Credit reporting, credit repair services, or other personal consumer reports PDF 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 wil typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT On XX/XX/2023| filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. XXXX has done nothing but give me responses generated by \" XXXX XXXX '. ( \" see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud.U.S.Code Title 15 CHAPTER 11 SUBCHAPTER II $ 1681c-2 15 U.S.Code $ 1681c-2-Block of information resulting from identity theft U.S.Code Notes prev I next ( a ) Block Except as otherwise provided in this /5 section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reportin g agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was r requested by the consumer in error ; ( B ) the information was blocked, ora block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1 681i ( a ) ( 5X ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency- ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check servicescompany, acting as such, which issues authorizations for theby any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding i dentity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained py the consumer reporting agency from any subsequent use, if- ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer pf the decision to block the file. Such notice shall contain the name, address, and telephone humber of each consumer reporting agency from which the consumer information was obtained for resale, ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. \n\n( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. \n\nXXXX and Equifax thinks this law does not apply to them. \n\nThese are the issues with my credit reports : ( XXXX ) The addresses XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX are outdated and have been linked to fraud and identity theft by interrupting the forwarding of mail. ( see enclosed case numbers from the USPS ) THESE ADDRESSES NEED TO BE REMOVED EMPLOYMENT : My business name XXXX XXXX XXXX has been changed to XXXX XXXX XXXX ( see enclosed Certificate of Existance ) US Department of the Navy ( XXXX ) is my former employment ( XXXX ) The following inquiries are were not authorized or initiated by me : ( The first one I have been disputing for over a year ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRIES NEED TO BE REMOVED. \n\nIf the credit bureaus would actually contact the company listed as the inquirer, they would learn that they are instructing us incorrectly when telling us to contact the furnisher. They listen, check their systems for accounts but ultimately tell you to contact the bureaus.","date_sent_to_company":"2023-06-26T03:10:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30228","tags":"Servicemember","has_narrative":true,"complaint_id":"7163503","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-26T03:10:00.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["reporting company 's investigation into an existing problem We received your complaint."],"product":["Credit reporting, credit repair services, or other personal consumer reports"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_product":["Credit reporting"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[8.795881,"7163503"]},{"_index":"complaint-public-v1","_id":"3156484","_score":8.6825285,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"After many phone calls to XXXX XXXX they refuse to answer the phone on a Charge that i never sign or had any dealings with! From a Merchant with no consent nor was any card swipe or used!!!! THIS MERCHANT STOLE FUNDS MY ACCOUNT CALLED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY Transportation Edit - $ XXXX-Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. The XXXX XXXX place a fake charge on the account. But Why??? Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it : The liable for those transactions are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY not so superior! \nPlease Note : Most fraud prevention features are designed for card-present environments. Visa, for example, has deployed a number of anti-fraud measures designed to make card reproduction extremely difficult, including holograms and embossed security characters on the face of the card. Moreover, the signature and magnetic strip on the back of the card are designed to ensure that the person using the card is the actual cardholder. Merchants are not liable for fraud when card-present transactions are properly authenticated. \nOnline platforms, however, typically facilitate card-not-present transactions ( card payments made without physically swiping a card ). On a website, buyers enter credit card data into a form they do not hand their card to a cashier. Unfortunately, card-not-present transactions are highly susceptible to fraud and abuse, for which merchants and payment facilitators are held liable. \nChargebacks. \nWhen a cardholder disputes a charge with their bank ( the issuing bank ), the bank may reverse the payment and refund the cardholder, after an investigation. This is called a chargeback. \nCardholders are protected from the financial liability of unauthorized credit card transactions by Regulation Z of the Truth in Lending Act and unauthorized debit card transactions by Regulation E of the Electronic Fund Transfer Act. Card Associations have even broader rules with further added protections. When fraudulent transactions do occur, a well-defined chain of liability determines who is ultimately responsible for making restitution to the cardholder. Payment facilitators must recover chargebacks from merchants who generate them, or else write off the full amount of the chargeback as a loss. \nFor chargebacks resulting from card-not-present transactions, the issuing bank recovers the funds from the merchants bank ( the acquiring bank ), and the acquiring bank recovers the funds from the merchant. \nSince most chargebacks are received weeks or months after the original payment, it is sometimes difficult to recover the funds from the merchant. This is why acquirers are so conservative in their underwriting : an acquirer will typically research the financial stability, creditworthiness, and underlying riskiness of a business ; it will implement special funding policies ( such as reserves or holdbacks ) to mitigate loss ; and it will require personal guarantees from business owners, whom it will hold personally liable for the businesss financial obligations. \nConsumer Protections Available Regulation Z The Truth in Lending Act ( TILA ), as implemented by Regulation Z, provides a billing error dispute process for open-end credit, such as credit cards. In order to take advantage of the protections offered by Regulation Z, you must notify the lender of any billing errors by : providing the notice in writing, enabling the lender to identify your name and account number, stating why you believe there is a billing error, including the type, date, and amount of the error, and sending the notice in a timely manner so that the lender receives it, at the address specified for billing inquiries, no later than 60 days after the lender sent the first billing statement reflecting the error. \nOnce you properly notify the lender about an error on your statement, it must acknowledge that it received this notification within 30 days, unless the problem has been resolved. The lender must investigate and resolve the issue within two complete billing cycles ( but in no event later than 90 days ) after receiving the billing error notice.\n\nWhile the lender conducts its investigation into the billing error : You may withhold payment of the disputed amount and related charges ( but any part of the bill not in question, including finance charges on undisputed amounts must be paid in accordance with account terms ).\n\nThe lender may not take legal or collection action on the disputed amount.\n\nThe lender may not report your account as delinquent, accelerate your debt, restrict your account, or close your account.\n\nIf the lender confirms there is a billing error on your account, it must send you a written explanation of the corrections made to your account. In addition to crediting your account for the disputed amount, the lender must also remove all finance charges, late fees, or other charges related to the error. If the investigation reveals no error occurred, it must send you a written explanation of the amount you owe, and you are responsible for paying the disputed amount, plus any finance charges that accumulated during the investigation. \nYou may request copies of relevant documents used in the lenders investigation. If you disagree with the results of the investigation, you may write to the lender within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. The lender may begin collection procedures and may report your account as delinquent to credit reporting agencies, but it must also note that you disagree with the amount owed.\n\nIn addition to the consumer protections associated with billing errors, Regulation Z also contains special credit card provisions that limit your liability for unauthorized use of a credit card. A credit card holders liability is limited to {$50.00} for unauthorized use before the cardholder notifies the card issuer. Notification may be given in person, by telephone, or in writing.\n\nRegulation E The Electronic Fund Transfer Act ( EFTA ), as implemented by Regulation E, provides basic protections for consumers with electronic direct deposits or who use debit cards to access their deposit account held directly or indirectly at a bank. These protections include timeframes by which a bank must investigate and determine whether an error occurred when you notify your bank of an error and, in some cases, requirements to provide provisional credit while the investigation is performed. \nFor example, if you notify your bank of a potential account error, Regulation E requires a bank to investigate and determine whether an error occurred within 10 business days of receiving your notice ( or 20 business days for new accounts ). If a bank is unable to complete its investigation within the appropriate timeframe, it may take up to 45 days to determine whether an error occurred. But in these cases, banks must generally provide consumers with a provisional credit to their account within 10 days of the bank receiving the error notice. Also, banks must notify consumers about the provisional credit within two days of providing the credit.\n\nSome banks may require you to submit an error notice in writing after you provide notice orally. If the bank does not receive written confirmation within 10 business days of receiving the initial notice of an error, the bank is not required to provide provisional credit. The time period for the investigation may be extended to 90 days if the error involved an electronic transfer initiated outside of the United States, a point-of-sale debit card transaction, or a transaction involving a new account within 30 days of being opened.\n\nIf the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ).\n\nIf a bank determines that no error occurred or that an error occurred in a manner or amount different from that described in your notice, the bank must send a written explanation of its findings and note your right to request the documents the bank relied on for its investigation. When the bank debits the funds provisionally credited to your account during the investigation, it must provide you with the date and amount debited. In addition, the bank must inform you that it will honor checks, drafts, or similar instruments payable to third parties and preauthorized transfers from your account ( without charge as a result of an overdraft ) for five business days after the notification.\n\nDisputing a Credit Card Billing Error Many credit card issuers have policies against sellers charging a credit card account before shipment. If you think a seller charged your account too soon, report it to the credit card issuer. Otherwise, the issuer has no way to know the seller isnt following its policies.\n\nTo dispute the billing error with your credit card issuer, you must : write to the credit card issuer at the address given for billing inquiries, not the address for sending your payments, and include your name, address, account number, and a description of the billing error. Use our sample letter.\n\nsend your letter so that it reaches the credit card issuer within 60 days after the first bill with the error was mailed to you. Its a good idea to send your letter by certified mail ; ask for a return receipt so you have proof of what the credit card issuer received. Include copies ( not originals ) of sales slips or other documents that support your position. Keep a copy of your dispute letter.\n\nThe credit card issuer must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. The issuer must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter.\n\nYou may withhold payment on the disputed amount ( and related charges ) during the investigation. You must pay any part of the bill not in question, including finance charges on the undisputed amount.\n\nThe credit card issuer may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account cant be closed or restricted, the disputed amount can be applied against your credit limit.\n\nBut what if You placed an order with a catalog company and they charged your credit card immediately. The catalog company contacts you two weeks later and says the shipment will be delayed 60 days. You agree to the delay. The 60 days have passed, and you may be outside of the time to dispute the charges. Can you still dispute the charge?\n\nMaybe. When a shipment is delayed, credit card issuers often are more generous when they calculate the time for allowing disputes, and may extend the 60-day period. To take advantage of this flexibility, include the following information in your dispute letter.\n\nTell the credit card issuer if you didnt expect to be charged for the merchandise before it was shipped. Some credit card issuers make an exception to the general industry rule against sellers charging before shipping if the seller tells you about its practice at the time of sale. If youre sure the seller said nothing or wasnt clear about its charge practice, the credit card issuer is more likely to allow the dispute.\n\nTell the credit card issuer when delivery was expected. Some issuers use the expected date of delivery rather than the charge date as the start time for you to dispute charges. If you dispute the charge within a reasonable time after the expected delivery date passes, chances are good that the card issuer will honor the dispute. When you order or when a seller notifies you of delayed shipment, its important to keep a record of the promised shipment or delivery date. Include a copy of any documentation of the shipment or delivery date when disputing the charge with your card issuer.\n\nDisputing a Debit Card Charge The consumer protections for a debit card differ from protections for a credit card. You may not be able to dispute a debit and get a refund for non-delivery or late delivery. Still, some debit card issuers may voluntarily offer protections and solutions to problems like not getting merchandise you bought with a debit card. See our sample letter, and contact your debit card issuer for more information.\n\nYour Rights When Shopping by Phone, Mail or Online The Mail, Internet, or Telephone Order Merchandise Rule applies to most goods you order by mail, phone, fax, or online. It requires sellers to have a reasonable basis for claiming they can ship an order within a certain time and details what sellers should do if there is a delay.\n\nShip Dates By law, a seller should ship your order within the time stated in its ads or over the phone. If the seller doesnt promise a time, you can expect it to ship your order within 30 days.\n\nThe shipment clock begins when the seller receives a properly completed order. That includes your name, address and payment ( check, money order or authorization to charge an existing credit account whether the account is charged at that time or not ).\n\nIf the seller doesnt promise a shipping time, and you are applying for credit to pay for your purchase, the seller has an additional 20 days ( 50 days total ) to establish the account and ship the merchandise.\n\nDelays If the seller is unable to ship within the promised time, it must notify you, give a revised shipping date and give you the chance to cancel for a full refund or accept the new shipping date. The seller also must give you some way to exercise the cancellation option for free for example, by supplying a prepaid reply card or staffing a toll-free telephone number.\n\nIf you dont respond and the delay is 30 days or less its assumed that you accept the delay and are willing to wait for the merchandise.\n\nIf you dont respond and the delay is more than 30 days the order must be canceled by the 30th day of the delay period and a full refund issued promptly.\n\nIf the seller cant meet the revised shipping date, it must notify you again by mail, email or telephone and give you a new shipping date or cancel your order and give you a refund.\n\nThe order should be canceled and a refund issued promptly unless you indicate by the revised shipping date that you are willing to wait.\n\nIf you dont respond to the second notice, the seller should assume that you are not willing to wait issue a full refund promptly.\n\nRefunds If you pay by cash, check or money order, or a non-seller credit card, the seller must give you a refund within seven working days after the order is canceled.\n\nIf you pay by credit card where the seller is the card issuer, the seller must credit your account within one billing cycle after the order is canceled.\n\nShopping Tips Follow these tips for hassle-free shopping.\n\nConsider your experience with the company or its general reputation before you order. If youve never heard of the seller, enter its name in a search engine with words like complaint or scam, and read about other peoples experiences with the company. In addition, contact your state Attorney General, and local consumer protection agency to see if any complaints are on file.\n\nCheck out the companys refund and return policies, the items availability, and the total cost of your purchase before you place your order.\n\nGet a shipment date.\n\nKeep records of your order, like the website, ad or catalog from which you ordered ; the companys name, address and phone number ; any promises the company made about shipping and when they were made ; the date of your order ; and a copy of the order form you sent to the company. If youre ordering by phone, keep a list of the items, their stock codes, and the order confirmation code ; your canceled check or the charge or debit statement showing the charge for your order ; and any communications to or from the company.\n\nTrack your purchases. When you order online, keep printouts of the web pages with the details of the transaction, including the sellers return policies, in case youre not satisfied.Complaints help the FTC and other law enforcement agencies bring scam artists to justice and put an end to unfair and misleading business practices. If you have a complaint, file it online or call XXXX. \nCredit Cards, Personal Finance At XXXX, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Heres how we make money. \n\nIf you see a purchase on your credit card statement that you didnt make, be sure to correct the mistake right away. It could be a simple mistake like a double swipe of your card, for example or it could be someone trying to make a little extra money off of a restaurant bill. Heres how to fix a mistake on your statement, and to make sure youre safe. \n1. Talk to the merchant Before you get yourself involved in a lengthy formal dispute, speak with the merchant. Bring your receipt and credit card statement, and take the time to explain the discrepancy. The merchant may clear up the mistake without having to involve the credit card company. If not, take your complaint to the next level. \n2. Prepare your paperwork While the error on your statement might seem obvious to you, you still need to make a strong case. Keep a record of the receipts, credit card statement and anything else that can add to the paper trail. Errors to look out for include : Returns that didnt lead to a credit on your statement.\n\nErroneous dates.\n\nBills sent to the wrong address ( so long as youve notified your creditor of your address change within 20 days ).\n\nMathematical errors. \nAnd, of course, charges for purchases you didnt make. \n\nGather any relevant receipts and documents supporting your claims and make copies. Keep the originals for your records, and gather the copies for your creditor. \n\nRemember : Never give your account information to someone you dont know, and avoid emailing sensitive data like your account number or Social Security number. Also, never give your information when a caller claims to represent your bank or card issuer. Instead, say youll call back, then call the customer service number listed on the banks website or the back of your card. Dont fall victim to a scam! \nWrite to your creditor Within 60 days of receiving the bill in question, send a letter outlining your objection and copies of your proof in an envelope addressed to your creditors department for billing inquiries. To be on the safe side, send the letter by certified mail, so you receive a receipt when it arrives at your creditors headquarters. Save the receipt proving they received your dispute with the other documents youre using to make your case. \n\nYou can also choose to dispute electronically, if the creditors website allows for that. Save any emails you get in return saying your dispute was received. \nFinal stretch : waiting for a response You creditor is required to respond within 30 days of your complaint, and the dispute must be resolved within 90 days, or two billing cycles.\n\nIn the meantime, you dont have to pay for the purchase in question, you must only pay for everything else on your statement. However, keep in mind that if your creditor finds your evidence insufficient, youll have to pay for the purchase in question, plus any interest that has accrued since. \n\nIf your creditor accepts your claim, all charges related to the error will be removed from your statement. If it does not accept your claim, it has to explain to you in writing exactly why the mistake is in fact a not a mistake, and youll have 10 days to challenge that conclusion.","date_sent_to_company":"2019-02-20T07:42:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"14228","tags":null,"has_narrative":true,"complaint_id":"3156484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2019-02-20T02:03:12.000Z","state":"NY","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["If you disagree with the results of the investigation, you may write to the lender within 10 days after receiving the explanation, and you may indicate that you refuse to pay the disputed amount. The lender may begin collection procedures and may report your account as delinquent to credit reporting agencies, but it must also note that you disagree with the amount owed."],"product":["Credit card or prepaid card"],"issue":["Problem with a purchase or transfer"]},"sort":[8.6825285,"3156484"]},{"_index":"complaint-public-v1","_id":"16806020","_score":8.532629,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A series of disputes have been submitted to Experian and the CFPB regarding the inaccurate reporting and reinvestigations of an account on my consumer report. On XX/XX/XXXX I sent my dispute and debt validation for multiple accounts to Experian via certified mail. The main item that has been reporting inaccurately is Texas Attorney General XXXX XXXX division and they have been reporting inaccurately since XX/XX/XXXX. Experian failed to submit a description of the procedure used to determine the accuracy and completeness of the information on any account disputed, which violates 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) and/or 15 U.S. Code 1681i ( a ) ( 7 ).\n\nThe incorrect balance they reported I owed began around ~ {$3500.00}. Since then, it has constantly increased, to its most recent amount of ~ {$7300.00}. Experian claimed they investigated the issue, but with a proper investigation it would have been obvious that Texas is not owed anything, and isn't the original state to which I pay child support for. \nI submitted a follow up dispute with supporting documentation on or around XX/XX/XXXX for incorrect information on my report. This was closed on XX/XX/XXXX with Experian stating the account was valid and the information reported was accurate. No consideration was given to the documentation I submitted proving Texas should not be involved and the information being report is inaccurate. This violates 15 U.S. Code 1681i ( a ) ( 4 ). \nOn or around XX/XX/XXXX, I submitted an additional dispute citing problems with Experians investigation into an existing problem. Experian concluded that the account was accurate, reporting correctly, and closed their dispute investigation on or around XX/XX/XXXX. However, on XX/XX/XXXX, a representative from the Texas Attorney Generals office contacted me confirming that the balance is incorrect and would be corrected immediately. The fact that I received this information 8 days after the consumer reporting agency closed the investigation proves they did not conduct a proper investigation to ensure maximum possible accuracy, which violates 15 U.S. Code 1681e ( b ). This confirms negligent and willful intent of failure to conduct an adequate investigation and correct or delete the inaccurate account from a consumers credit report per FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( a ). I have attached the following : - Email communications between myself and the Texas XXXX XXXX XXXX confirming that I am current - The amount Texas is reporting is inaccurate- All payment receipts from XXXX - Original court documents from Indiana dated XXXX with the same cause number as Texas dated XXXX The cause number from Indiana is XXXX XXXX. This is the original state which I am current on my child support with a credit due to me. \nExperian has reported false information on my credit report for over a year without verifying the accuracy which is required according to the FCRA 15 U.S.C. 1681e ( b ). I am now being labeled a child support evader. With the continuous inaccurate and false reporting, I am nearing criminal charges. This has been a very stressful and costly situation for my family and me. I live in daily fear of a false warrant being issued to me. This false information is also increasing insurance rates while driving down my payment history plus credit score. \nXX/XX/XXXX filed first dispute XX/XX/XXXX second dispute XX/XX/XXXX disputed through CFPB XX/XX/XXXX reinvestigation completed On XX/XX/XXXX, I submitted a complaint to the CFPB citing improper reinvestigation processes by the credit reporting agencies. Experian responded on XX/XX/XXXX, stating all the information disputed was verified and correct. On XX/XX/XXXX, I reached out to a Texas Representative ( C.V. ) of my home county for assistance in rectifying this inaccuracy. I was then contacted by an assistant of the state representative to provide a summary of what has been going on. I was advised that the information would be forwarded to someone at the Texas XXXX office for review. On XX/XX/XXXX, XXXX, XXXX, from the Texas XXXX XXXX XXXX XXXX XXXX XXXX reached out advising that per their interface, I am current. I was notified that a request to terminate the Texas child support account will be submitted, as Indiana is current. I sent Experian a very detailed dispute and debt validation letter i\nnforming them of the FCRA 15 U.S.C. 1681e and 15 U.S.C. 1681i, and my expectations in XX/XX/XXXX. It was in hopes that they did an honest investigation and be transparent which they failed both of us. I want this nightmare to end, my name cleared, and the credit reporting agencies to report accurate information because this has gone on for over a year. Experian has shown grossly negligent behavior over the past year and very corrupt business practices. \nExperian failed to conduct a reasonable reinvestigation and correct the inaccuracy. \nExperian failed to conduct a reasonable reinvestigation of the disputes submitted to them and the CFPB multiple times. Experian also failed to correct the disputed information, which is in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\nWhile recognizing that consumer reports play an important role in the economy, Congress wanted consumer reports to be fair and equitable to the consumer and to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer reports. 15 U.S.C. 1681.\n\nCongress, concerned about inaccuracies in consumer reports, specifically required consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy in consumer reports. 15 U.S.C. 1681e ( b ). Consumer reports that contain factually incorrect information which does not belong to the consumer at issue are neither maximally accurate nor fair to the consumers who are the subjects of such reports.\n\nUnder 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nUnder 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the dispu\nted information is accurate and record the current status of the disputed information or delete the item from the file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nExperian disregarded its duties under the FCRA with respect to my credit report. Experian places its business interests above the rights of consumers and reports such inaccurate information because it is cheaper for Experian to produce reports containing information that is inaccurate and incomplete than it is for Experian to exert proper quality control over the reports prior to their being provided to Experian customers. Experian reports such erroneous and incomplete information because it wants to maximize the automation of its report creation process, thereby saving the costs associated with conducting the additional review necessary to remove the inaccurate or out-of-date entries. \nExperian charges its customers the same price for reports that are grossly inaccurate as it does for accurate reports. Appropriate quality control review of my report would have been made clear that Experian was reporting an inaccurate account. The sole reason the inaccurate account was reported as belonging to myself was that Experian failed to follow reasonable procedures to assure the maximum possible accuracy of the information it published within the credit report it furnished. \nHad Experian followed reasonable procedures, it would have been discovered that I was current on my child support per Indiana, the state of origin, and should not have been included in my consumer report. \nExperian Failed to Conduct a Reasonable Reinvestigation and Correct the Credit Report in XX/XX/XXXX. On or about XX/XX/XXXX, I received an email correspondence from Experian confirming that it had received my dispute but needed me to identify what XXXX XXXX I was disputing. I was confused, because in both my XX/XX/XXXX, dispute and XX/XX/XXXX, dispute, I specified that I was disputing the inclusion of the Texas Attorney General Child Support account in my consumer report. Worried about the process of my dispute, I again reached out to Experian requesting a copy of my consumer report. On or about XX/XX/XXXX, I received another email correspondence from Experian notifying me that my dispute was still in process. On or about XX/XX/XXXX, I received a copy of my consumer reports, and my review confirmed what I had already come to believe : that the consumer report included inaccurate reporting of the Texas Attorney General Child support account. \nUpon information and belief, on or around XX/XX/XXXX, I received another email correspondence from Experian notifying me that my dispute had been completed and that an updated consumer report was available. \nUpon information and belief, on or around XX/XX/XXXX, I accessed a copy of Experians dispute results through its online portal. Upon information and belief, Experian asserted in its dispute results letter that it had reinvestigated my dispute and determined that its reporting was accurate and that it would not correct the subject child support account.\n\nUpon information and belief, Experian continued to report in its consumer report that all information in my consumer report was accurate. \nUpon information and belief, Experian did not reinvestigate the Texas Attorney General records reporting in my consumer report, at all, despite my specifically disputing the child support Record in my XX/XX/XXXX dispute, XX/XX/XXXX dispute and XX/XX/XXXX CFPB complaint. \nUpon information and belief, Experian failed to properly process my disputes of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and failed to investigate the child support record that it had reported about me. \nUpon information and belief, despite my dispute to Experian, Experian failed to conduct a reasonable reinvestigation of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dispute and failed to correct the disputed information in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\nUpon information and belief, Experian failed to issue a corrected consumer report, that no longer reported the Texas Attorney General XXXX XXXX account. \nUpon information and belief, because Experian failed to issue a consumer report, I would have been spared the financial burden of insurance premium increases, time spent, humiliation of being denied car rental, embarrassment, and stress imposed upon me to correct Experians erroneous reporting.","date_sent_to_company":"2025-10-24T16:22:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"16806020","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-24T16:00:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This was closed on XX/XX/XXXX with Experian stating the account was valid and the information reported was accurate. No consideration was given to the documentation I submitted proving Texas should not be involved and the information being report is inaccurate. This violates 15 U.S. Code 1681i ( a ) ( 4 ). \nOn or around XX/XX/XXXX, I submitted an additional dispute citing problems with Experians investigation into an existing problem."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[8.532629,"16806020"]},{"_index":"complaint-public-v1","_id":"16805663","_score":8.517468,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A series of disputes have been submitted to Equifax and the CFPB regarding the inaccurate reporting and reinvestigations of an account on my consumer report. On XX/XX/XXXX I sent my dispute and debt validation for multiple accounts to Equifax via certified mail. The main item that has been reporting inaccurately is Texas Attorney General Child Support division and they have been reporting inaccurately since XX/XX/XXXX. Equifax failed to submit a description of the procedure used to determine the accuracy and completeness of the information on any account disputed, which violates 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) and/or 15 U.S. Code 1681i ( a ) ( 7 ). \nThe incorrect balance they reported I owed began around ~ {$3500.00}. Since then, it has constantly increased, to its most recent amount of ~ {$7300.00}. Equifax claimed they investigated the issue, but with a proper investigation it would have been obvious that Texas is not owed anything, and isn't the original state to which I pay child support for. \nI submitted a follow up dispute with supporting documentation on or around XX/XX/XXXX for incorrect information on my report. This was closed on XX/XX/XXXX with Equifax stating the account was valid and the information reported was accurate. No consideration was given to the documentation I submitted proving Texas should not be involved and the information being report is inaccurate. This violates 15 U.S. Code 1681i ( a ) ( 4 ). \nOn or around XX/XX/XXXX, I submitted an additional dispute citing problems with Equifaxs investigation into an existing problem. Equifax concluded that the account was accurate, reporting correctly, and closed their dispute investigation on or around XX/XX/XXXX. However, on XX/XX/XXXX, a representative from the Texas Attorney Generals office contacted me confirming that the balance is incorrect and would be corrected immediately. The fact that I received this information 8 days after the consumer reporting agency closed the investigation proves they did not conduct a proper investigation to ensure maximum possible accuracy, which violates 15 U.S. Code 1681e ( b ). This confirms negligent and willful intent of failure to conduct an adequate investigation and correct or delete the inaccurate account from a consumers credit report per FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( a ). I have attached the following : - Email communications between myself and the Texas AG CSO XXXX confirming that I am current - The amount Texas is reporting is inaccurate- All payment receipts from XXXX - Original court documents from Indiana dated XXXX with the same cause number as Texas dated XXXX The cause number from Indiana is dated XXXX. This is the original state which I am current on my child support with a credit due to me. \nEquifax has reported false information on my credit report for over a year without verifying the accuracy which is required according to the FCRA 15 U.S.C. 1681e ( b ). I am now being labeled a child support evader. With the continuous inaccurate and false reporting, I am nearing criminal charges. This has been a very stressful and costly situation for my family and me. I live in daily fear of a false warrant being issued to me. This false information is also increasing insurance rates while driving down my payment history plus credit score. \nXX/XX/XXXX filed first dispute XX/XX/XXXX second dispute XX/XX/XXXX disputed through CFPB XX/XX/XXXX reinvestigation completed On XX/XX/XXXX, I submitted a complaint to the CFPB citing improper reinvestigation processes by the credit reporting agencies. Equifax responded on XX/XX/XXXX, stating all the information disputed was verified and correct. On XX/XX/XXXX, I reached out to a Texas Representative ( XXXX ) of my home county for assistance in rectifying this inaccuracy. I was then contacted by an assistant of the state representative to provide a summary of what has been going on. I was advised that the information would be forwarded to someone at the Texas AG office for review. On XX/XX/XXXX, XXXX, XXXX, from the Texas AG Child Support Division-Interstate Central Registry reached out advising that per their interface, I am current. I was notified that a request to terminate the Texas child support account will be submitted, as Indiana is current. \nI sent Equifax a very detailed dispute and debt validation letter informing them of the FCRA 15 U.S.C. 1681e and 15 U.S.C. 1681i, and my expectations in XX/XX/XXXX. It was in hopes that they did an honest investigation and be transparent which they failed both of us. I want this nightmare to end, my name cleared, and the credit reporting agencies to report accurate information because this has gone on for over a year. Equifax has shown grossly negligent behavior over the past year and very corrupt business practices. \nEquifax failed to conduct a reasonable reinvestigation and correct the inaccuracy. \nEquifax failed to conduct a reasonable reinvestigation of the disputes submitted to them and the CFPB multiple times. Equifax also failed to correct the disputed information, which is in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). \nWhile recognizing that consumer reports play an important role in the economy, Congress wanted consumer reports to be fair and equitable to the consumer and to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer reports. 15 U.S.C. 1681. \nCongress, concerned about inaccuracies in consumer reports, specifically required consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy in consumer reports. 15 U.S.C. 1681e ( b ). Consumer reports that contain factually incorrect information which does not belong to the consumer at issue are neither maximally accurate nor fair to the consumers who are the subjects of such reports. \nUnder 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \nUnder 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information or delete the item from the file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nEquifax disregarded its duties under the FCRA with respect to my credit report. Equifax places its business interests above the rights of consumers and reports such inaccurate information because it is cheaper for Equifax to produce reports containing information that is inaccurate and incomplete than it is for Equifax to exert proper quality control over the reports prior to their being provided to Equifax customers. Equifax reports such erroneous and incomplete information because it wants to maximize the automation of its report creation process, thereby saving the costs associated with conducting the additional review necessary to remove the inaccurate or out-of-date entries. \nEquifax charges its customers the same price for reports that are grossly inaccurate as it does for accurate reports. Appropriate quality control review of my report would have been made clear that Equifax was reporting an inaccurate account. The sole reason the inaccurate account was reported as belonging to myself was that Equifax failed to follow reasonable procedures to assure the maximum possible accuracy of the information it published within the credit report it furnished. \nHad Equifax followed reasonable procedures, it would have been discovered that I was current on my child support per Indiana, the state of origin, and should not have been included in my consumer report. \nEquifax Failed to Conduct a Reasonable Reinvestigation and Correct the Credit Report in XX/XX/XXXX. On or about XX/XX/XXXX, I received an email correspondence from Equifax confirming that it had received my dispute but needed me to identify what Miscellaneous/State Specific I was disputing. I was confused, because in both my XX/XX/XXXX, dispute and XX/XX/XXXX, dispute, I specified that I was disputing the inclusion of the Texas Attorney General Child Support account in my consumer report. Worried about the process of my dispute, I again reached out to Equifax requesting a copy of my consumer report. On or about XX/XX/XXXX, I received another email correspondence from Equifax notifying me that my dispute was still in process. On or about XX/XX/XXXX, I received a copy of my consumer reports, and my review confirmed what I had already come to believe : that the consumer report included inaccurate reporting of the Texas Attorney General Child support account. \nUpon information and belief, on or around XX/XX/XXXX, I received another email correspondence from Equifax notifying me that my dispute had been completed and that an updated consumer report was available. \nUpon information and belief, on or around XX/XX/XXXX, I accessed a copy of Equifaxs dispute results through its online portal. Upon information and belief, Equifax asserted in its dispute results letter that it had reinvestigated my dispute and determined that its reporting was accurate and that it would not correct the subject child support account. \nUpon information and belief, Equifax continued to report in its consumer report that all information in my consumer report was accurate. \nUpon information and belief, Equifax did not reinvestigate the Texas Attorney General records reporting in my consumer report, at all, despite my specifically disputing the child support Record in my XX/XX/XXXX dispute, XX/XX/XXXX dispute and XX/XX/XXXX CFPB complaint. \nUpon information and belief, Equifax failed to properly process my disputes of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and failed to investigate the child support record that it had reported about me. \nUpon information and belief, despite my dispute to Equifax, Equifax failed to conduct a reasonable reinvestigation of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dispute and failed to correct the disputed information in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). \nUpon information and belief, Equifax failed to issue a corrected consumer report, that no longer reported the Texas Attorney General Child Support account. \nUpon information and belief, because Equifax failed to issue a consumer report, I would have been spared the financial burden of insurance premium increases, time spent, humiliation of being denied car rental, embarrassment, and stress imposed upon me to correct Equifaxs erroneous reporting.","date_sent_to_company":"2025-10-24T15:58:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"16805663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-24T15:19:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This was closed on XX/XX/XXXX with Equifax stating the account was valid and the information reported was accurate. No consideration was given to the documentation I submitted proving Texas should not be involved and the information being report is inaccurate. This violates 15 U.S. Code 1681i ( a ) ( 4 ). \nOn or around XX/XX/XXXX, I submitted an additional dispute citing problems with Equifaxs investigation into an existing problem."],"product":["Credit reporting or other personal consumer reports"],"issue":["Incorrect information on your report"],"sub_product":["Credit reporting"]},"sort":[8.517468,"16805663"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":74,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":74}]}},"product":{"doc_count":74,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":34,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":33},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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