{"took":270,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":101,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18303833","_score":25.094206,"_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":["Related Open <em>CFPB</em> Complaints This conduct directly impacts and appears designed to obstruct the resolution of the following currently open <em>CFPB</em> complaints, all of which have already been sent to Equifax : Your complaintt Open COMPLAINT ID PRIMARY <em>CONSUMER</em> PRODUCT AND ISSUE <em>CONSUMER</em> IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXXeporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC ."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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":[25.094206,"18303833"]},{"_index":"complaint-public-v1","_id":"9384794","_score":24.665747,"_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 <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ) to address this issue, referenced as follows : <em>CFPB</em> 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>. \n<em>CFPB</em> 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>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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":[24.665747,"9384794"]},{"_index":"complaint-public-v1","_id":"9384795","_score":24.512388,"_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 <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ) to address this issue, referenced as follows : <em>CFPB</em> 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>. \n<em>CFPB</em> 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>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[24.512388,"9384795"]},{"_index":"complaint-public-v1","_id":"9384850","_score":24.4882,"_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 <em>Consumer</em> Financial Protection Bureau ( <em>CFPB</em> ) to address this issue, referenced as follows : <em>CFPB</em> 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>. \n<em>CFPB</em> 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>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[24.4882,"9384850"]},{"_index":"complaint-public-v1","_id":"6966520","_score":21.151447,"_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 <em>CFPB</em> 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>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[21.151447,"6966520"]},{"_index":"complaint-public-v1","_id":"6966689","_score":21.096504,"_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 <em>CFPB</em> 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>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[21.096504,"6966689"]},{"_index":"complaint-public-v1","_id":"6966521","_score":21.091528,"_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":["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 <em>CFPB</em> 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 in PROGRESS of <em>RESPONDING</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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":[21.091528,"6966521"]},{"_index":"complaint-public-v1","_id":"15646881","_score":20.26421,"_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>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.26421,"15646881"]},{"_index":"complaint-public-v1","_id":"13107058","_score":20.231749,"_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 <em>CFPB</em> 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"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.231749,"13107058"]},{"_index":"complaint-public-v1","_id":"14925877","_score":18.060642,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX Problem with a company 's investigation into an existing problem XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed. \n\nMy disputes included : Missing hard inquiries dating from XX/XX/XXXX. \n\nIncorrect late payment notations on accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX \n\nDuplicate XXXXDepartment of Education entries showing identical opening dates, balances, and status.\n\nCredit utilization reported at 287 %, which is mathematically impossible. \n\nAn XXXX account listed as delinquent, despite being under official forbearance status, which under FCRA and CARES Act should not affect my score. \n\nI also requested a detailed explanation of Experians investigation process, including whether all evidence I submitted was forwarded to furnishers, what responses were received, and whether any dispute was deemed frivolous. Experians responses were generic confirmations of an investigation, but they did not justify why my documentation was disregarded or explain why the disputed items were never corrected.\n\nDespite submitting comprehensive evidencescreenshots, statements, forbearance letters, utilization calculationsExperian failed to update any item in my credit report.\n\nMy experience aligns with findings in the CFPBs XX/XX/XXXX lawsuit against Experian, which alleges that Experian routinely conducts sham investigations, fails to forward consumer-submitted documentation, and improperly reinserts inaccurate tradelines after they were previously disputed and removed","date_sent_to_company":"2025-07-28T18:48:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"14925877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-28T18:42:19.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Since XX/XX/XXXX, I have submitted seven separate complaints to the <em>CFPB</em> against Experian regarding inadequate dispute <em>investigations</em> : XXXX <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company <em>responded</em>, but none led to correction or removal of the errors I disputed"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has <em>responded</em> to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[18.060642,"14925877"]},{"_index":"complaint-public-v1","_id":"4621746","_score":17.628124,"_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":["They can only make excuses and whatever the bank or lender states is gospel and the <em>consumer</em> the <em>problem</em>. As for you the <em>CFPB</em> shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in?"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[17.628124,"4621746"]},{"_index":"complaint-public-v1","_id":"4621608","_score":17.528593,"_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":["They can only make excuses and whatever the bank or lender states is gospel and the <em>consumer</em> the <em>problem</em>. As for you the <em>CFPB</em> shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in?"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has <em>responded</em> to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[17.528593,"4621608"]},{"_index":"complaint-public-v1","_id":"6110196","_score":17.273237,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"SUPPLEMENTAL COMPLAINT TO COMPLIANT NO. XXXX Print complaint OPEN - XXXX  Submitted XXXXTATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT BACKGROUND : I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner. \n\n\nXXXX, Per the FCR, has 30 days to conduct an investigation from the date a dispute was filed by the consumer. As stated in the background, they were given thirty ( 30 ) days to comply with the FCR law, which gives them time to gather their findings and report the facts of their investigation and take measures to fix any errors found by making amendments ( remove, change information, or information was verified and kept on the credit file. \n\nCFPB STATUS UPDATES : The CFPB reached out to XXXX to 1 ) inform them of the complaint, 2 ) Advised them of the of the 30 day XXXX XXXX to complete a dispute and punish its result to the consumer. XXXX responded on XX/XX/2022 stating they will have a final result for me within 60 days if the \" complaint ' being filed. This must be a clause that gives them an extension from the original 30 days, XXXX a CFPB complain it filed, which if it is written in such manner then we will continue through the process. \n\nXXXX responded and XXXX wrote an explanation that the company is still working on the complaint then added a status update underneath the above status update stating the company has within 60 days to provide a final response. [ INITIAL RESPONSE SENT TO COMPANY XX/XX/2022 ] MAIN COMPLAINT : THE CFPB was established to govern the credit bureau. The FCRA, established law is to be used any the CFPB for oversight of the Credit Bureaus and making sure they are staying in compliance with consumer disputes, properly investigating disputes for accuracy, inaccuracies, made by either the creditor in their reporting or the credit agency in populating the prior data on the consumer reports, which if not done right can potentially ruin someones life by the was of their \" credit worthiness ' if not accurate. \n\nIn conclusion, XXXX and XXXX has violated the FCRA, which is low that was made by congress to protect the consumer. This issue in front of us : 1 ) COMPLIANT NO. XXXX and this supplemental should more than explain how XXXX has XXXX the law the is meant to protect us from erroneous, inaccurate, unduly information on our credit files, which will surely hurt us in home purchasing, vehicle purchasing, stating a business, etc. SHOWCASING a false or inaccurate representation of the individual personal, including myself, a Minority/Woman Owned Small Business. THE UNVERIFIABLE INFORMATION THAT HAS TAKEN LONER THAN 90 DAYS + WHICH INCLUDE MY INITIAL DISPUTE TO THE COMPANY30 DAYS, THE 30 DAYS FOR THEM TO RETURN RESULTS TO THE CFPB COMPLAINT, WHICH AN ADDITIONAL 30 DAYS WAS GIVEN IS CLEAR VIOLATION ( XXXX ) OF WHAT THE FCRA WAS MEANT TO PROTECT AND WHAT THE CFPB WAS TASKED TO PROVIDE OVERSIGHT.,","date_sent_to_company":"2022-10-20T21:02:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"6110196","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-20T21:02:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX Print complaint OPEN - XXXX  Submitted XXXXTATUS Submitted to the <em>CFPB</em> on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal <em>consumer</em> reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \n\nWe will review your complaint."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.273237,"6110196"]},{"_index":"complaint-public-v1","_id":"4414707","_score":17.247108,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I removed names and addresses and phone numbers from their response. \n\nI submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.\n\nDiscover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. \n\nThe complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. \n\nDiscover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. \n\nPlease resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. \n\nBellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. \n\nATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX  to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No","date_sent_to_company":"2021-05-28T23:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-05-28T22:41:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the <em>CFPB</em> on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal <em>consumer</em> reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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":[17.247108,"4414707"]},{"_index":"complaint-public-v1","_id":"6110195","_score":17.246145,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"SUPPLEMENTAL COMPLAINT TO COMPLIANT NO. XXXX Print complaint OPEN - XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you.\n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT BACKGROUND : I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner. \n\n\nXXXX, XXXX the XXXX, has 30 days to conduct an investigation from the date a dispute was filed by the consumer. As stated in the background, they were given thirty ( 30 ) days to comply with the XXXX law, which gives them time to gather their findings and report the facts of their investigation and take measures to fix any errors found by making amendments ( remove, change information, or information was verified and kept on the credit file. \n\nCFPB STATUS UPDATES : The CFPB reached out to XXXX to 1 ) inform them of the complaint, 2 ) Advised them of the of the 30 day XXXX XXXX to complete a dispute and punish its result to the consumer. XXXX responded on XX/XX/2022 stating they will have a final result for me within 60 days if the \" complaint ' being filed. This must be a clause that gives them an extension from the original 30 days, IF a CFPB complain it filed, which if it is written in such manner then we will continue through the process. \n\nXXXX responded and XXXX wrote an explanation that the company is still working on the complaint then added a status update underneath the above status update stating the company has within 60 days to provide a final response. [ INITIAL RESPONSE SENT TO COMPANY XX/XX/2022 ] MAIN COMPLAINT : THE CFPB was established to govern the credit bureau. The FCRA, established law is to be used any the CFPB for oversight of the Credit Bureaus and making sure they are staying in compliance with consumer disputes, properly investigating disputes for accuracy, inaccuracies, made by either the creditor in their reporting or the credit agency in populating the prior data on the consumer reports, which if not done right can potentially ruin someones life by the was of their \" credit worthiness ' if not accurate. \n\nIn conclusion, XXXX and Equifax has violated the FCRA, which is low that was made by XXXX to protect the consumer. This issue in front of us : XXXX ) COMPLIANT NO. XXXX and this supplemental should more than explain how XXXX has XXXX the law the is meant to protect us from erroneous, inaccurate, unduly information on our credit files, which will surely hurt us in home purchasing, vehicle purchasing, stating a business, etc. SHOWCASING a false or inaccurate representation of the individual personal, including myself, a Minority/Woman Owned Small Business. THE UNVERIFIABLE INFORMATION THAT HAS TAKEN LONER THAN 90 DAYS + WHICH INCLUDE MY INITIAL DISPUTE TO THE COMPANY30 DAYS, THE 30 DAYS FOR THEM TO RETURN RESULTS TO THE CFPB COMPLAINT, WHICH AN ADDITIONAL 30 DAYS WAS GIVEN IS CLEAR VIOLATION ( S ) OF WHAT THE FCRA WAS MEANT TO PROTECT AND WHAT THE CFPB WAS TASKED TO PROVIDE OVERSIGHT.,","date_sent_to_company":"2022-10-20T21:02:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"6110195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-20T21:02:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX Print complaint OPEN - XXXX Submitted STATUS Submitted to the <em>CFPB</em> on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal <em>consumer</em> reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you.\n\nWe will review your complaint."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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":[17.246145,"6110195"]},{"_index":"complaint-public-v1","_id":"11510758","_score":17.054642,"_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":[". : XXXX Complete List of <em>CFPB</em> Complaints Filed Against Experian : 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 : 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 :"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.054642,"11510758"]},{"_index":"complaint-public-v1","_id":"11510722","_score":17.025576,"_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":[". : XXXX Complete List of <em>CFPB</em> Complaints Filed Against XXXX : 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 : 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"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.025576,"11510722"]},{"_index":"complaint-public-v1","_id":"11510721","_score":17.025576,"_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":[". : XXXX Complete List of <em>CFPB</em> Complaints Filed Against XXXX : 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 : 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"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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":[17.025576,"11510721"]},{"_index":"complaint-public-v1","_id":"14082134","_score":16.977034,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"A Account for XXXX XXXX was made that wasn't me I was in jail ... Inactive modal Inactive modal Submit a complaintStep 2 of 5 What type of problem are you having?\n\nMost of the other personal consumer report complaints we get are about one of the following topics. Select the one that best describes your complaint. You will have the chance to explain your complaint in detail in the next step.\n\nIncorrect information on your report ( account or personal information incorrect, information not mine ) Problem with a company 's investigation into an existing issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, problem cancelling account ) Which best describes your problem? \n\n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised Have you already tried to fix this problem with the company? \n\n\nYes No Did you request information from the company? \n\n\nYes No PreviousNext Step2 of 5 About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.\n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday ( except federal holidays ). \n\nMore than XXXX languages available. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nAn official website of the United States Government Close Privacy Act Statement Privacy Act Statement 5 U.S.C. 552a ( e ) ( 3 ) The information you provide will permit the Consumer Financial Protection Bureau ( CFPB ) to respond to your complaint or inquiry about companies and services we regulate. Information about your complaint or inquiry ( including your personally identifiable information ( PII ) ) may be shared : with the entity that is the subject of your complaint ; with third parties as necessary to get information relevant to responding to your complaint ; with a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal in the course of a proceeding, or the Department of Justice ; and with other federal or state agencies or regulatory authorities for enforcement and statutory purposes. \nWe may also share your complaint or inquiry ( but not your PII ) with the public through the public Consumer Complaint Database.\n\nAlthough the Bureau does not otherwise anticipate further disclosing the information provided, it may also be disclosed as indicated in the Routine Uses described in the System of Records Notice CFPB.005 Consumer Response System.\n\nThe collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013 ( b ) ( 3 ), 1021, 1034, codified at 12 U.S.C. 5491, 5492, 5493 ( b ) ( 3 ), 5511, 5534. \nSubmitting a complaint is voluntary. You are not required to submit a complaint or share any PII, including your Social Security number, and you may withdraw your complaint at any time. However, if you do not include the requested information, the CFPB may not be able to process your complaint.\n\nInactive modalInactive modal","date_sent_to_company":"2025-06-14T11:29:48.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"14082134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-14T11:11:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Incorrect information on your report ( account or personal information incorrect, information not mine ) <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) Which best describes your <em>problem</em>?"],"company_public_response":["Company has <em>responded</em> to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[16.977034,"14082134"]},{"_index":"complaint-public-v1","_id":"18333455","_score":16.685223,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, You have stated in writing that the tradeline at issue involves potential fraud. Once fraud is acknowledged or suspected, the information being reported can no longer be considered verified, accurate, or reliable. \nA consumer reporting agency can not simultaneously classify an account as potential fraud and continue to report it as a valid, enforceable obligation. Doing so is internally inconsistent and violates the XXXX XXXX XXXX Acts requirement to maintain maximum possible accuracy. \nWhere fraud is acknowledged and the furnisher has also stated that it can not locate an account in the consumers name, continued reporting lacks any lawful basis. Verification is impossible under these circumstances This is experians report to CFPB XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : * Send your complaint to the company for a response ; or * Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or * Let you know if we need more information to continue our work. \nYOUR COMPLAINT Complaint for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete Unverified Account XXXX XXXX : still working on it XX/XX/year> CFPB reports Regional Acceptance XXXX cant find account in my name XX/XX/year> Company responded STATUS Company responded on XX/XX/year> XXXX XXXX Closed with explanation Company 's Response Regional is XXXX XXXX XXXX XXXX account in your name. That is legal confirmation the debt does not exist. Title : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Delete After Furnisher Admitted No Account Exists Loading... \nHide full complaint Sent to company STATUS Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. \nTheir response should include the steps they took, or will take, to address your complaint. \nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/year> The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \n\nPotential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/year> We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you XXXX have been a victim of fraud.","date_sent_to_company":"2025-12-29T02:44:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39503","tags":"Older American","has_narrative":true,"complaint_id":"18333455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-29T02:36:45.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Verification is impossible under these circumstances This is experians report to <em>CFPB</em> XXXX Print complaint CLOSED Submitted STATUS Submitted to the <em>CFPB</em> on XX/XX/year> PRODUCT Credit reporting or other personal <em>consumer</em> reports ISSUE <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has <em>responded</em> to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"]},"sort":[16.685223,"18333455"]},{"_index":"complaint-public-v1","_id":"6043030","_score":15.579689,"_source":{"product":"Debt collection","complaint_what_happened":"I have been a victim of identity theft, and the parties that assumed my data, fraudulently used my property, fraudulently used my deed, and falsified all documents was granted over {$300000.00} dollars and used my same property as collateral to fraudulently file for another loan for property for {$200000.00} the fraudulent XXXX home loan. \n\nThe parties also fraudulently have been stealing mail and also falsified the same schemes to file for bankruptcy protection. The parties did not have any authority to do such and one party fled to XXXX using XXXX Banks for no less than three loans without my knowledge. \n\nXXXX Banks never contacted me, XXXX XXXX, and they are refusing to comply with the guidelines that CFPB filed for injunctions to protect any victims of data breaches and identity theft. \n\nThe attorneys XXXX and XXXX denied and obstructed orders, when I never filed, never completed any loans or ever authorized any loans. \n\nThis is a direct contempt of orders CFPB filed XX/XX/2022 and attorney lied in response repeatedly and has denied any CFPB orders exist to protect victims of fraud, identity theft and property fraud loans. \n\nIn fact CFPB closed all cases, disregarding my proof and documents that have been forwarded. \n\nIntimidation and harassment is prohibited. \n\n\nXXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 Open Sent to Company XXXX XXXX XXXX XXXX reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX  XXXX FLORIDA XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX BANK XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action premier properties XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Company responded XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX reporting Credit monitoring or identity theft protection services XXXX XXXX XXXX AND ALL OTHERS XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XXXX  AND RUSHMORE COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the CFPB XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX  XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Problem with fraud alerts or security freezes XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other type of mortgage Trouble during payment process XXXX BANK XX/XX/2022 Open Sent to XXXX XXXX","date_sent_to_company":"2022-10-03T04:37:08.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"32708","tags":null,"has_narrative":true,"complaint_id":"6043030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2022-10-03T04:14:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the <em>CFPB</em> XXXX XXXX XXXX Other personal <em>consumer</em> report <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the <em>CFPB</em> XXXX XXXX XXXX XXXX reporting <em>Problem</em> with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX  XX/XX/2022 Open Submitted to the <em>CFPB</em> XXXX XXXX XXXX Credit reporting"]},"sort":[15.579689,"6043030"]},{"_index":"complaint-public-v1","_id":"16602471","_score":15.37967,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT PROBLEM WITH EXISTING INVESTIGATION XXXX Consumer : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, IL XXXX Company : CoreLogic Credco , LLC Case ID : XXXX Summary of the Issue This complaint concerns CoreLogic Credcos continued refusal to provide a complete consumer file disclosure despite my verified identity and multiple prior submissions through the CFPB portal and by U.S. mail . CoreLogic stated that no report can be given because identity authentication was not provided. This is factually false. I previously submitted a government-issued passport card as proof of identity through both channels. CoreLogics failure to acknowledge or process this documentation violates the Fair Credit Reporting Act ( FCRA ) and obstructs my statutory rights as a consumer. \nFacts and Timeline I submitted a valid request to obtain a full file disclosure from CoreLogic Credco under 15 U.S.C. 1681g ( a ). \nMy government-issued passport card was uploaded to the CFPB portal and mailed directly to CoreLogics Consumer Services Department . \nCoreLogic responded that I had not provided identification a claim that is untrue and contradicted by my submissions.\n\nCoreLogic further admitted that it may have found prior reports about me, but refused to disclose or provide copies of these reports. \nThis constitutes a willful and negligent violation of 1681g ( a ) ( failure to disclose all information in the consumers file ).\n\nViolations of Federal Law 1. FCRA 609 ( 15 U.S.C. 1681g ( a ) ) Failure to Disclose Information CoreLogic must provide all information in the consumers file upon request and after reasonable proof of identity. Proof has been provided; withholding my report violates this section. \n\n2. FCRA 610 ( 15 U.S.C. 1681h ( a ) ( 1 ) ) Improper Refusal Based on Identification The agency may require only the information necessary to reasonably identify the consumer. My U.S. passport card satisfies this requirement.\n\n3. FCRA 623 ( a ) ( 1 ) ( A ) Accuracy Obligation A consumer reporting agency can not maintain or report inaccurate or unverifiable information. If CoreLogic may have found prior reports, it must disclose and verify them or delete the data.\n\n4. FCRA 616 617 ( 15 U.S.C. 1681n, 1681o ) Civil Liability Willful or negligent noncompliance with the FCRA entitles the consumer to recover statutory damages, actual damages, and punitive damages as determined by a federal court. \nHarm Suffered I have been denied full access to my consumer information, impairing my ability to verify and dispute fraudulent data. \nThis obstruction prevents me from mitigating the effects of identity theft, which continues to impact my housing, lending, and employment opportunities. \nThe delay and misrepresentation have caused stress, reputational damage, and financial harm. \nRequested Relief I respectfully request that the Consumer Financial Protection Bureau : 1. Reopen and escalate this matter as a Problem with Existing Investigation.\n\n2. Compel CoreLogic Credco to immediately provide : A complete copy of my consumer file disclosure, including all historical and current data held or resold.\n\nThe method of verification for all data maintained or distributed under my name. \nThe identities of all data furnishers and recipients who have received or accessed my consumer information. \n3. Enforce civil penalties and statutory relief as allowed under 15 U.S.C. 1681n & 1681o, for willful and negligent noncompliance.\n\n4. Order CoreLogic to correct its internal verification procedures and confirm compliance with FCRA 609 ( a ). \nConclusion CoreLogics response represents an ongoing pattern of delay and obstruction that denies me the fundamental rights granted to all XXXX consumers under the FCRA. I am demanding immediate relief and CFPB intervention to ensure compliance and to prevent further harm. \n\nRespectfully submitted, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/scrub> XXXX XXXX","date_sent_to_company":"2025-10-15T16:34:20.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"60462","tags":null,"has_narrative":true,"complaint_id":"16602471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-10-15T16:29:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>CFPB</em> COMPLAINT <em>PROBLEM</em> WITH <em>EXISTING</em> <em>INVESTIGATION</em> XXXX <em>Consumer</em> : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, IL XXXX Company : CoreLogic Credco , LLC Case ID : XXXX Summary of the Issue This complaint concerns CoreLogic Credcos continued refusal to provide a complete <em>consumer</em> file disclosure despite my verified identity and multiple prior submissions through the <em>CFPB</em> portal and by U.S. mail . CoreLogic stated that no report can be given because identity authentication was not provided."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"sub_product":["Other personal <em>consumer</em> report"],"company_public_response":["Company has <em>responded</em> to the <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.37967,"16602471"]},{"_index":"complaint-public-v1","_id":"8074808","_score":15.348265,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to XXXX, TransUnion and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ Transunion- XXXX ], [ XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \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 The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXX/XX/2023 - XXXX XXXX TRANSUNION XXXX XX/XX/2023 - TRANSUNION - XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION- XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:56:55.000Z","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":"8074808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-28T22:48:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the <em>CFPB</em> at informing the credit bureaus of improper use of my credit report and that there is a <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the credit bureaus where I filed a complaint with the <em>CFPB</em> took significantly longer than 30 days to complete their own <em>investigation</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.348265,"8074808"]},{"_index":"complaint-public-v1","_id":"8074660","_score":15.325711,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to Experian, XXXX and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ XXXX XXXX ], [ Experian-XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \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 The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX  SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","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":"8074660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-28T22:57:08.000Z","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":["I have since made multiple attempts through complaints with the <em>CFPB</em> at informing the credit bureaus of improper use of my credit report and that there is a <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the credit bureaus where I filed a complaint with the <em>CFPB</em> took significantly longer than 30 days to complete their own <em>investigation</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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 <em>consumer</em> and the <em>CFPB</em> and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.325711,"8074660"]},{"_index":"complaint-public-v1","_id":"8074592","_score":15.3242035,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \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 The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","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":"8074592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the <em>CFPB</em> at informing the credit bureaus of improper use of my credit report and that there is a <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the credit bureaus where I filed a complaint with the <em>CFPB</em> took significantly longer than 30 days to complete their own <em>investigation</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[15.3242035,"8074592"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":101,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":101}]}},"product":{"doc_count":101,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":45,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":43},{"key":"Other personal 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