{"took":117,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":178,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18303833","_score":21.413006,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT NARRATIVE Date : XX/XX/XXXX Company : Equifax Product : Credit reporting Issue : Problem with a companys investigation into an existing problem Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Complaint Summary I am filing this complaint to document improper dispute invalidation and unreasonable identity-verification demands made by Equifax after my disputes were already XXXX, assigned confirmation numbers, and placed under investigation. \nOn XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX to obtain clarification regarding the status of multiple open disputes. The outgoing call lasted approximately XXXX minutes and began at XXXXXXXX XXXX \nDuring this call, an Equifax agent informed me that my drivers license and Social Security documentation were considered invalid, that my existing disputes were being marked invalid, and that I was required to resubmit identification including my full Social Security number. The agent explicitly stated that providing only the last XXXX digits of my SSN was insufficient. \nI explained to the agent that I have never provided my full Social Security number to Equifax for disputesonly the last XXXX digitsand that this method has been consistently accepted by Equifax in the past. \n\nDisputes Improperly Targeted The agent specifically referenced the following Equifax dispute confirmation numbers, all of which had already been accepted and issued by Equifax : Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Equifax must ensure that the closed confirmation numbers listed above were properly handled, and that the open complaints listed below are properly handled as well. \nEquifax can not retroactively invalidate disputes after identity verification has already occurred and confirmation numbers have been issued. \n\nProof of Disparate and Inconsistent Treatment Equifaxs claim that my identification is invalid is contradicted by its own historical conduct. \nI have filed numerous prior CFPB complaints against Equifax, all using the same identity-verification method ( government-issued ID and partial SSN ). Many of these complaints were accepted, investigated, and closed, with no indication whatsoever that my identification was invalid or insufficient. \nExamples include ( not exhaustive ) : CFPB complaint IDs from XX/XX/XXXX through XX/XX/XXXX, all marked Closed Company Responded Additional closed complaints from XXXX XXXX and XX/XX/XXXX, all processed using the same identification method None of the closed CFPB files reference invalid documentation, identity failure, or refusal to investigate due to missing full SSN This establishes that Equifax has previously verified my identity using the same documentation, and that the sudden demand for a full Social Security number is new, inconsistent, and selectively applied. \n\nImproper Demand for Full Social Security Number Equifaxs demand that I provide my full Social Security number as a condition to reinstate or process disputes is unreasonable and unsupported. \nThe Fair Credit Reporting Act does not require consumers to disclose their full SSN to dispute inaccuracies Equifax has repeatedly accepted disputes from me using a partial SSN Identity verification had already occurred, as evidenced by issued confirmation numbers Additionally, I was not provided any written notice identifying a specific deficiency in my identification or explaining how to cure it, despite Equifax claiming my disputes were being invalidated. \nAn oral statement during a phone call does not satisfy notice or documentation requirements. \n\nRelated Open CFPB Complaints This conduct directly impacts and appears designed to obstruct the resolution of the following currently open CFPB complaints, all of which have already been sent to Equifax : Your complaintt Open COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXXeporting Problem with a company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with XXXX XXXX XXXX XXXX XXXX an existing problem Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX XXXX XXXX problem Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's investigation into an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX XXXX into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX XXXX Unable to XXXX XXXX credit report XXXX credit score Equifax Information Services LLC XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting Problem with a XXXX XXXX XXXX XXXX an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unable XXXX XXXX XXXX credit report or credit score Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX an existing problem Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX substance of these XXXX XXXX Equifax appears to be attempting to invalidate disputes procedurally by imposing new and unreasonable identity requirements.","date_sent_to_company":"2025-12-26T21:08:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"18303833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-26T21:01:45.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX reporting <em>Problem</em> with a company 's <em>investigation</em> into XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX <em>responded</em> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX XX/XX/XXXX XXXX Company <em>responded</em> XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Credit Bureau XX/XX/XXXX XXXX Company <em>responded</em> XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Information"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[21.413006,"18303833"]},{"_index":"complaint-public-v1","_id":"13065918","_score":20.463692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file.\n\nCreditor Name : One Main, XXXX XXXX Reason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days.\n\nPlease complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me.\n\nThank you for your prompt attention to this matter.\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-19T01:04:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32726","tags":null,"has_narrative":true,"complaint_id":"13065918","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MARINER FINANCE, LLC","date_received":"2025-04-19T01:03:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXX/XX/year> Subject : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> To whom it concern : I am writing to formally dispute certain information in my credit file.\n\nCreditor Name : One Main, XXXX XXXX Reason for Dispute : <em>Problems</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> I am requesting that the item ( s ) be <em>investigated</em> and corrected ( or removed ) from my credit report."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.463692,"13065918"]},{"_index":"complaint-public-v1","_id":"13065285","_score":20.430302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXXXX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file. \n\nCreditor Name : One Main, XXXX XXXXXXXX Reason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days. \n\nPlease complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-19T01:04:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32726","tags":null,"has_narrative":true,"complaint_id":"13065285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2025-04-19T00:55:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXXXX/XX/year> Subject : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> To whom it concern : I am writing to formally dispute certain information in my credit file. \n\nCreditor Name : One Main, XXXX XXXXXXXX Reason for Dispute : <em>Problems</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> I am requesting that the item ( s ) be <em>investigated</em> and corrected ( or removed ) from my credit report."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.430302,"13065285"]},{"_index":"complaint-public-v1","_id":"13065593","_score":20.167118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file.\n\nCreditor Name : XXXX XXXX XXXX XXXX XXXX, Target/TD, XXXX XXXX XXXX XXXX \nReason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days.\n\nPlease complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me.\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-19T00:49:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32726","tags":null,"has_narrative":true,"complaint_id":"13065593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2025-04-19T00:48:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> To whom it concern : I am writing to formally dispute certain information in my credit file.\n\nCreditor Name : XXXX XXXX XXXX XXXX XXXX, Target/TD, XXXX XXXX XXXX XXXX \nReason for Dispute : <em>Problems</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> I am requesting that the item ( s ) be <em>investigated</em> and corrected ( or removed ) from my credit report."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.167118,"13065593"]},{"_index":"complaint-public-v1","_id":"13065937","_score":20.129627,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file.\n\nCreditor Name : Harris & Harris , LTD, XXXX, XXXX XXXX XXXX .\n\nReason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days.\n\nPlease complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me.\n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-19T00:49:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32726","tags":null,"has_narrative":true,"complaint_id":"13065937","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2025-04-19T00:23:33.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> To whom it concern : I am writing to formally dispute certain information in my credit file.\n\nCreditor Name : Harris & Harris , LTD, XXXX, XXXX XXXX XXXX .\n\nReason for Dispute : <em>Problems</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> I am requesting that the item ( s ) be <em>investigated</em> and corrected ( or removed ) from my credit report."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.129627,"13065937"]},{"_index":"complaint-public-v1","_id":"13065589","_score":20.129627,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : Problem with a companys investigation into an existing problem To whom it concern : I am writing to formally dispute certain information in my credit file. \n\nCreditor Name : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX \nR\n\neason for Dispute : Problems with a companys investigation into an existing problem I am requesting that the item ( s ) be investigated and corrected ( or removed ) from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days. Please complete the investigation and update me with the results at your earliest convenience. If the information is found to be inaccurate, I request that my credit report be updated accordingly and that a corrected copy be sent to me. Thank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-19T00:49:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32726","tags":null,"has_narrative":true,"complaint_id":"13065589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-04-19T00:48:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Subject : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> To whom it concern : I am writing to formally dispute certain information in my credit file. \n\nCreditor Name : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX \nR\n\neason for Dispute : <em>Problems</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> I am requesting that the item ( s ) be <em>investigated</em> and corrected ( or removed ) from my credit report."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.129627,"13065589"]},{"_index":"complaint-public-v1","_id":"3713384","_score":19.403605,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. \n\nXXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. \n\nEquifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. \n\nI never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. \n\nI sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. \n\nI cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. \n\nPlease look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. \n\nI,","date_sent_to_company":"2020-06-24T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3713384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-24T14:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.403605,"3713384"]},{"_index":"complaint-public-v1","_id":"9384795","_score":19.094261,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including XXXX, TransUnion, and XXXX. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). \nAs stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nFurthermore, I have received confirmation from the XXXX  XXXX, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the XXXX information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX XXXX XXXX immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.","date_sent_to_company":"2024-06-29T21:33:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9384795","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-29T21:32:58.000Z","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":["I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company <em>responded</em>. \nCFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company <em>responded</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.094261,"9384795"]},{"_index":"complaint-public-v1","_id":"9384850","_score":19.086096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including Experian, XXXX, and XXXX. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). \nAs stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nFurthermore, I have received confirmation from the Bankruptcy Court, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the bankruptcy information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX XXXX XXXX immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.","date_sent_to_company":"2024-06-29T21:32:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9384850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-29T21:19:11.000Z","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":["I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company <em>responded</em>. \nCFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company <em>responded</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.086096,"9384850"]},{"_index":"complaint-public-v1","_id":"9384794","_score":19.086096,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including XXXX, XXXX, and Equifax. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). \nAs stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nFurthermore, I have received confirmation from the XXXX XXXX, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the XXXX information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX Consumer Center immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.","date_sent_to_company":"2024-06-29T21:33:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9384794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-29T21:32:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company <em>responded</em>. \nCFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company <em>responded</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.086096,"9384794"]},{"_index":"complaint-public-v1","_id":"15646881","_score":19.038347,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX Experian Dispute Department Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX, TX XXXX Subject : FINAL FOLLOW-UP DISPUTE Comprehensive Re-Audit ; Permanent Deletion/Blocking of Inaccurate/Unverifiable Items ; Full Method-of-Investigation ; Privacy/Permissible-Purpose ; Remove All Phone Numbers from File Dear Experian Dispute Department, I am re-submitting a comprehensive, itemized dispute and demanding full compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. This filing incorporates, verbatim, prior complaint language and adds a consolidated timeline and complaint log with dates, IDs, subjects, companies, and outcomes from the CFPB portal. You must delete any item that is inaccurate, incomplete, or can not be verified within FCRA timelines, and provide a detailed Method-of-Investigation ( MOI ) for each disputed entry. \n\nIdentity & contact Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX No phone number : Remove any and all telephone numbers from my file and confirm removal in writing. Do not add or infer any phone number going forward. \n\nLegal bases ( summary ) FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : reasonable procedures to assure maximum possible accuracy.\n\nFCRA 611 / 15 U.S.C. 1681i : reasonable reinvestigation ; delete/correct information that is inaccurate, incomplete, or can not be verified ; provide furnisher contact data ; upon request supply the MOI.\n\nFCRA 604 / 15 U.S.C. 1681b : permissible purpose required for inquiries ; purge any inquiry lacking a documented permissible purpose.\n\nFCRA 605 & 605B / 15 U.S.C. 1681c-2 : obsolescence limits ; identity-theft blocking upon receipt of an Identity Theft Report.\n\nGLBA ( 15 U.S.C. 6801 et seq. ), Privacy Act ( 5 U.S.C. 552a ), 26 U.S.C. 6103 : protect nonpublic personal information ; avoid unauthorized disclosure/retention. \n\n\n\nDear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant financial hardship and reputational harm due to inaccurate information that remains on my report. I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/XXXX, and XX/XX/XXXX. Regrettably, I did not receive the verification I requested, nor did any of the bureaus delete the unverified accounts. Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. \n\nXXXX XXXX XXXX  prior results list ( pattern evidence ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint log ( XXXX subjects companies outcomes ) XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX  Filed XX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXXXXXX \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX I do not know Attempts to collect debt not owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Company responded. \n\nXXXX Medical debt Attempts to collect debt not owed Professional Colletors Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN LEGAL XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report EXPERIAN Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Problem with a credit reporting company XXXX XXXX into an existing problem EXPERIAN Credit reporting Agency XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Closed ; Company responded. \n\nDamages & remedies reserved : 15 U.S.C. 1681n ( willful ), 1681o ( negligent ) : actual, statutory, punitive damages, and fees/costs. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX","date_sent_to_company":"2025-09-01T16:42:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"15646881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-01T16:29:00.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company <em>responded</em>. \n\nXXXX Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company <em>responded</em>. \n\nXXXX Credit reporting Improper use of your report XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company <em>responded</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.038347,"15646881"]},{"_index":"complaint-public-v1","_id":"6966520","_score":16.044836,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Experian Information Solutions Inc . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Experian Information Solutions Inc . \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>problem</em> XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of <em>RESPONDING</em>."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.044836,"6966520"]},{"_index":"complaint-public-v1","_id":"6966689","_score":16.001379,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your reporXXXX XXXX XXXXfXXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T16:26:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of <em>RESPONDING</em>."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.001379,"6966689"]},{"_index":"complaint-public-v1","_id":"6966521","_score":15.992945,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information XXXX your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.992945,"6966521"]},{"_index":"complaint-public-v1","_id":"4621746","_score":15.7823515,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account <em>Problem</em> with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company <em>responded</em> XXXX Checking account <em>Problem</em> with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into"]},"sort":[15.7823515,"4621746"]},{"_index":"complaint-public-v1","_id":"4621608","_score":15.682821,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX from Experian, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX rate. Now there are XXXX reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX  XXXX XXXX  XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-11T17:06:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account <em>Problem</em> with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account <em>Problem</em> with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company <em>responded</em> XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[15.682821,"4621608"]},{"_index":"complaint-public-v1","_id":"4717134","_score":15.598436,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax consistently keeps lying about an investigation into an existing issue. \n\nBasically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. \n\nShocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. \n\nI sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. \n\nI received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. \n\nBasically Equifax lied the whole time about how they Investigated and that is not ethical.","date_sent_to_company":"2021-09-13T22:43:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60099","tags":"Servicemember","has_narrative":true,"complaint_id":"4717134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-13T22:15:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax consistently keeps lying about an <em>investigation</em> into an <em>existing</em> issue. \n\nBasically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax <em>responded</em> 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.598436,"4717134"]},{"_index":"complaint-public-v1","_id":"13107058","_score":15.251899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This letter responds to the correspondence issued by TransUnion on XX/XX/year>, under File Numbers XXXX and XXXX. These letters were issued without any reference to the specific Consumer Financial Protection Bureau ( CFPB ) complaints I have filed, despite numerous active complaints regarding inaccurate and harmful information appearing on my TransUnion credit report. \n\nThis practice appears to be a deliberate tactic to delay the investigation process, avoid accountability, and circumvent the formal regulatory complaint system. It is unacceptable for TransUnion to fail to acknowledge, track, or respond to the specific issues raised in my complaints. I have provided detailed dispute information in every CFPB complaint Ive submitted. \n\nBelow is a list of the active complaints involving TransUnion, all of which remain unresolved and are awaiting a company response : Filed CFPB Complaints Against TransUnion : XXXX ( Submitted XX/XX/year> ) : Incorrect information on my report XXXX ( Submitted XX/XX/year> ) : Problem with TransUnions investigation into existing dispute XXXX ( Submitted XX/XX/year> ) : Problem with companys investigation into an existing problem XXXX ( Submitted XX/XX/year> ) : Incorrect information on credit report XXXX ( Submitted XX/XX/year> ) : Ongoing credit reporting inaccuracies XXXX ( Submitted XX/XX/year> ) : Mishandling of dispute reinvestigation process XXXX ( Submitted XX/XX/year> ) : Failure to correct inaccurate tradeline XXXX ( Submitted XX/XX/year> ) : Inaccurate reporting after account resolution XXXX ( Submitted XX/XX/year> ) : Refusal to provide method of verification, conflicting reporting XXXX ( Submitted XX/XX/year> ) : Misreporting of account status, balance, and history Despite these ongoing complaints, TransUnion has now issued generic letters stating that my requests were unclear or procedural without identifying which dispute or which complaint is being referenced. That is not an adequate or compliant response under the Fair Credit Reporting Act ( FCRA ). \n\nFormal Requests : 1. Identify which of the above CFPB complaints the XX/XX/XXXX letters relate to. \n2. Reopen and properly reinvestigate the disputes associated with these complaints, using the full details already provided to you.\n\n3. Provide a full response via the CFPB complaint portal, including account-specific findings and the method of verification.\n\n4. Cease the use of vague letters outside the formal regulatory system and respond through the proper legal channels. \n\nYour continued failure to process valid consumer disputes and provide full, timely, and traceable responses as required by FCRA 611 is being documented. I am also preparing to escalate these issues to the FTC and state regulatory authorities should this pattern of noncompliance continue.","date_sent_to_company":"2025-04-22T12:09:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13107058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T12:03:31.000Z","state":"MI","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":["Below is a list of the active complaints involving TransUnion, all of which remain unresolved and are awaiting a company response : Filed CFPB Complaints Against TransUnion : XXXX ( Submitted XX/XX/year> ) : Incorrect information on my report XXXX ( Submitted XX/XX/year> ) : <em>Problem</em> with TransUnions <em>investigation</em> into <em>existing</em> dispute XXXX ( Submitted XX/XX/year> ) : <em>Problem</em> with companys <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX ( Submitted XX/XX/year> ) : Incorrect information on credit report"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.251899,"13107058"]},{"_index":"complaint-public-v1","_id":"5415287","_score":15.2063055,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted too many complaints with CFPB regarding my issues with XXXX. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. XXXX then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with XXXX investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX is suppose to have came with {$1.00} XXXX in Identity Theft Insurance - my information was sold to the dark web and XXXX did nothing. My phone number was sold to the dark web and XXXX did nothing. My email address was sold to the dark web and XXXX did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.","date_sent_to_company":"2022-04-06T19:47:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"5415287","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-06T19:47:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a <em>problem</em> with XXXX <em>investigations</em> into <em>existing</em> ongoing <em>problems</em>. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.2063055,"5415287"]},{"_index":"complaint-public-v1","_id":"11510758","_score":15.203686,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear Experian, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against Experian for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against Experian : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future.\n\nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-14T09:34:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.203686,"11510758"]},{"_index":"complaint-public-v1","_id":"5414707","_score":15.181152,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted too many complaints with CFPB regarding my issues with Experian. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. Experian then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with Experians investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX  is suppose to have came with {$1.00} Million in Identity Theft Insurance - my information was sold to the dark web and Experian did nothing. My phone number was sold to the dark web and Experian did nothing. My email address was sold to the dark web and Experian did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.","date_sent_to_company":"2022-04-06T19:47:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"5414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-04-06T17:05:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Experian then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a <em>problem</em> with Experians <em>investigations</em> into <em>existing</em> ongoing <em>problems</em>. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.181152,"5414707"]},{"_index":"complaint-public-v1","_id":"11510722","_score":15.176251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline. \nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.176251,"11510722"]},{"_index":"complaint-public-v1","_id":"11510721","_score":15.176251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXX Source XXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.176251,"11510721"]},{"_index":"complaint-public-v1","_id":"10503640","_score":14.236524,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Open Sent to company XXXX XXXX XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/XXXX Open Sent to company XXXXXXXX XXXX XXXX XXXXXXXX reporting Incorrect information on your reporXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Open Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed Company responde To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU HAVE CONTINUED TO IGNORE EACH DISPUTE AND CLAIM I HAVE BEEN USING A CREDIT REPAIR COMPANY.","date_sent_to_company":"2024-10-18T15:48:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"334XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10503640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-18T15:37:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Open Sent to company XXXX XXXX XXXX Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXX XX/XX/XXXX Open Sent to company XXXXXXXX XXXX XXXX XXXXXXXX reporting Incorrect information on your reporXXXX XXXX XXXX"]},"sort":[14.236524,"10503640"]},{"_index":"complaint-public-v1","_id":"3417016","_score":14.227686,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I have a 2.5-year-old fraud complain against a store card from Macy 's. I had an existing card account with them. While I was on a 3-year assignment overseas, somebody had a card issued on my existing account in their name, much how you would add a spouse to your account. They then charged {$900.00} in goods using this new card and then did not pay the balance. At the same time, I had a fraudulent credit account created with a different bank and under my name with a credit card issued to the exact same individual as the Macy 's card. This credit account was discharged as fraud very quickly. \n\nI suspect that the cause of the fraud was a mail forwarding service in XXXX Texas that I was using to receive my home mail while I was overseas. This would put them in the position to respond to any credit card offers and to receive my billing statements from existing accounts. \n\nI opened a fraud case with Macy 's but according to them it was denied because in their investigations system they labeled it as \" account was created fraudulently '' which is different from \" card was issued fraudulently under an existing account ''. In the meantime, they sold the debt to Citi IRU as a collection agency. Right now I have 2 organizations that deny that the problem is on their end and they blame the other company for keeping the ticket open. Meanwhile, I have faxed fraud statements, my overseas assignment letter, etc to show that I have not lived in Texas nor was I even in the United States during the time that the new card was issued under my account. However, I have to send documents to both organizations since they each believe that they are the sole account \" owner '' and do not share investigation details with each other. They have also claimed that email and faxes have not arrived. \n\nIn fact, they don't even share information with me as far as why a card was issued on my account or past billing statements so that I can verify if the purchases were made by myself or not. I have had to reconstruct the fraud incident using bits of information gleaned from conversations with the fraud investigations teams over the course of these years. \n\n2.5 years later, this is the only negative mark on my credit history. At {$900.00}, I could easily pay this account off. However, in doing so I would be acknowledging that the debt is legitimate and that The case file at both Macys and Citi is XXXX The person who created the card on my account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX","date_sent_to_company":"2019-10-25T14:24:18.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"019XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3417016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-10-24T21:08:47.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["This would put them in the position to <em>respond</em> to any credit card offers and to receive my billing statements from <em>existing</em> accounts. \n\nI opened a fraud case with Macy 's but according to them it was denied because in their <em>investigations</em> system they labeled it as \" account was created fraudulently '' which is different from \" card was issued fraudulently under an <em>existing</em> account ''. In the meantime, they sold the debt to Citi IRU as a collection agency."],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[14.227686,"3417016"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":178,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":178}]}},"product":{"doc_count":178,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":70,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":68},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":36},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":20,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":7},{"key":"Mortgage debt","doc_count":5},{"key":"Other debt","doc_count":5},{"key":"I do not know","doc_count":2},{"key":"Mortgage","doc_count":1}]}},{"key":"Mortgage","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":8},{"key":"Home equity loan or line of credit (HELOC)","doc_count":2},{"key":"Other type of mortgage","doc_count":2},{"key":"VA mortgage","doc_count":2},{"key":"FHA mortgage","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":8},{"key":"Store credit card","doc_count":2},{"key":"General-purpose prepaid card","doc_count":1}]}},{"key":"Checking or savings account","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":7},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit card","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":6}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":2},{"key":"Loan","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":2}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1},{"key":"Private student loan","doc_count":1}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}}]}},"issue":{"doc_count":178,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing 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