{"took":293,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":100,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11460440","_score":19.0754,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Experian, I am writing to formally file a complaint against Experian for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681e ( b ), 15 USC 1681i ( a ), and 15 USC 1681c. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. \n\nSpecific Violations by Experian : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.\n\n15 USC 1681i ( a ) : Negligence in ensuring that furnishers of information comply with their obligations.\n\n15 USC 1681i ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information.\n\n15 USC 1681c : Inclusion of obsolete information in my credit report. \nDespite my repeated attempts and clear documentation of errors, Experian has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. \n\nRecently, I became aware of a lawsuit initiated by the Consumer Financial Protection Bureau ( CFPB ) against Experian, accusing them of conducting sham investigations of credit report disputes. The CFPB 's lawsuit underscores systemic issues within Experian that reflect the challenges I have encountered, highlighting the failure of Experian to conduct legitimate and thorough investigations into consumer disputes. \n\nList of Disputed Accounts : XXXX XXXX XXXX  XXXX ( Account No. XXXX ) : Incorrect reporting of delinquency status and balance of {$1300.00}. \nXXXX XXXX XXXX ( Account XXXX. XXXX ) : Incorrect collection status reported, balance {$1000.00}. \nXXXX XXXX ( Account XXXX. XXXX ) : Reported credit limit and charge-off amount inconsistencies, balance {$4500.00}. \nComplete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. \n\n\nThank you for your immediate attention to this critical matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-10T10:53:43.000Z","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":"11460440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T10:38:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on <em>your</em> report XX/XX/year> - Complaint ID : XXXX - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : XXXX - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : XXXX - Improper use of <em>your</em> report XX/XX/year> - Complaint ID : XXXX - Improper use of <em>your</em> report XX/XX/year> - Complaint ID : XXXX - Improper use of <em>your</em> report"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[19.0754,"11460440"]},{"_index":"complaint-public-v1","_id":"11510758","_score":18.688448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear Experian, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against Experian for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against Experian : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future.\n\nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-14T09:34:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on <em>your</em> 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 <em>your</em> report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on <em>your</em> report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of <em>your</em> report Complaint"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[18.688448,"11510758"]},{"_index":"complaint-public-v1","_id":"11510722","_score":18.667171,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline. \nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on <em>your</em> 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 <em>your</em> report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on <em>your</em> report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of <em>your</em> report Complaint"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[18.667171,"11510722"]},{"_index":"complaint-public-v1","_id":"11510721","_score":18.667171,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXX Source XXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on <em>your</em> 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 <em>your</em> report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on <em>your</em> report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of <em>your</em> report Complaint"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[18.667171,"11510721"]},{"_index":"complaint-public-v1","_id":"13994567","_score":18.249321,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : Problem with a credit reporting companys investigation into an existing problem What is your complaint about? \nI am unable to access my Experian credit report or contact their customer support. Experian is reporting information on my credit file, yet they have restricted my access unless I become a paid member, which is both unethical and possibly unlawful. \n\nI attempted to use their online portal, including XXXX, but the report is inaccessible and I received an error message. I also tried calling their customer service number, but it automatically disconnects me after directing me to try again later. \n\nAt this point, I am being denied my legal right to access and review the information being reported about me, and I have no way of verifying its accuracy or disputing errors.","date_sent_to_company":"2025-06-10T18:51:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"13994567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-10T18:47:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : <em>Problem</em> with a credit reporting companys <em>investigation</em> into an <em>existing</em> <em>problem</em> What is <em>your</em> complaint about? \nI am unable to access my Experian credit report or contact their customer support."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[18.249321,"13994567"]},{"_index":"complaint-public-v1","_id":"5838899","_score":17.336742,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Referring to the following : COMPLAINT ID XXXX SUBMITTED 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 This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022. \n\nThe bureau is attempting to force me to pay for my information ; they did not pay me for it, so I don't feel this is a justifiable trade per the Fair Credit Reporting Act. \n\nYour agency has been ineffective in forcing the Credit Reporting Agency to stand behind its obligations to me as a consumer to have this \" Complete Report '' delivered so I can go about my business of correcting the errors they have in my file. \n\nI would appreciate your follow-through on this issue to have them do the right thing and deliver the report to me at no charge. It's my information, for God 's sake. \n\nThank You XXXX XXXX","date_sent_to_company":"2022-08-03T11:56:52.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"68130","tags":null,"has_narrative":true,"complaint_id":"5838899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-08-03T11:38:19.000Z","state":"NE","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":["Referring to the following : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> This case has been open with Transunion for a month now, and I lack their response to get the credit report they used in my credit denial to XXXX  on XX/XX/2022."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.336742,"5838899"]},{"_index":"complaint-public-v1","_id":"2580189","_score":17.334877,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hope this will get the attention that is need because of the abuse The department is Equifax The office of Consumer Affairs. I Will provided the name of the people this complain get to do an investigation This list of issues with Equifax The Office Of Consumer Affairs that unfortunate has make my life a living I feel XXXX if the can get away with what they are doing then we really have a bigger problem. My hope is for this complain will find his way to the authorities who can only address the problem until I will not stop until this get accomplish. Some how my file lander on their hands by system mix file or manually my file was change with incorrect information I was told that my credit report with Equifax was not a right but a privilege and that privilege have been taken away for to use. As such they block my report or reporting credit scores. Because of someone without proper juristic ion feels that they say is what is going to be something is right 1.  Incorrect information on my report ( wrong address, fraud, incorrectly My identity was compromise fraudulent account place on my file permanently creating new issues base on the fact that they did follow as appropriate to prevent what follow 2 It has been 3 months now and nothing have been done i did as much as I could begging then to do something and no one cares Problem with a credit reporting company 's investigation without they having any idea why they made an error they mix my file know what is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes trouble placing or extending with a without allow me to have my telephone so that creditor will call me to confirm if I was the one opening an account They denied for me to put a freeze, what they did denied access completely They place wrong address, fraud, incorrectly shows accounts were open fraudulent Problem with a credit reporting company 's investigation into an existing problem All account activities on file is gone What? how? Information belongs to someone else ( identity theft, fraud, error ) Information is missing that should be on the report My employment history was remove gone Account information incorrect ( loan balance, payment amount ) Account status incorrect ( showing open account as closed, showing delinquent account when it 's not ) Personal information incorrect ( they have added new names no mine but they think is mine How? no prove but they reporting it regardless Public record information inaccurate ( bankruptcy, judgment, liens, criminal record )","date_sent_to_company":"2017-07-20T14:42:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"2580189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-20T13:42:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["is that are doing what is doing more <em>problem</em> to <em>existing</em> <em>problem</em> which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit monitoring or identity theft protection services <em>Problem</em> with"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.334877,"2580189"]},{"_index":"complaint-public-v1","_id":"2491655","_score":16.702553,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Still not fixed. I have full authority to act for my husband. It was brought to their attention over a month ago that they made a huge mistake. Their error in reporting is still affecting us greatly. Once it came to their attention they still have not fixed teh problem with that they falsely reported innacurate information to. I want an updated reported stating that judgment was vacated against both parties listed on complaint along with a letter that it was their error and a cc sent to me and my husband today. This is willful neglect and intentional what they are doing now  XXXX  CLOSED Submitted STATUS Submitted to the CFPB on  X/XX/2017    PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser","date_sent_to_company":"2017-05-23T16:25:29.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"10022","tags":null,"has_narrative":true,"complaint_id":"2491655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2017-05-23T16:16:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>YOUR</em> COMPLAINT Summary of <em>your</em> complaint Complaint number :  XXXX  Date submitted to CFPB :  XX/XX/2017    Date sent to company :  XX/XX/2017    Product : Credit reporting, credit repair services, or other personal consumer reports Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue They have not fixed or rectified this and it has been over  3 we ks since they said tehy have ATTACHMENTS  XXXX   XXXX  Hide full complaint What product or ser"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[16.702553,"2491655"]},{"_index":"complaint-public-v1","_id":"6728486","_score":16.553122,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXXXXXX CAPITAL ONE XXXXXXXX, XXXX 's XXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728486","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received <em>your</em> complaint. Thank you. \nWe will review <em>your</em> complaint. Depending on what we find, we will typically : Send <em>your</em> complaint to the company for a response ; or Send <em>your</em> complaint to another state or federal agency, or help you get in touch with <em>your</em> state or local consumer protection office ; or Let you know if we need more information to continue our work."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[16.553122,"6728486"]},{"_index":"complaint-public-v1","_id":"6728499","_score":16.53423,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:52:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728499","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-03-21T17:08:08.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received <em>your</em> complaint. Thank you. \nWe will review <em>your</em> complaint. Depending on what we find, we will typically : Send <em>your</em> complaint to the company for a response ; or Send <em>your</em> complaint to another state or federal agency, or help you get in touch with <em>your</em> state or local consumer protection office ; or Let you know if we need more information to continue our work."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[16.53423,"6728499"]},{"_index":"complaint-public-v1","_id":"6728064","_score":16.515924,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their \" investigation ''.","date_sent_to_company":"2023-03-21T17:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89108","tags":null,"has_narrative":true,"complaint_id":"6728064","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-03-21T17:52:57.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received <em>your</em> complaint. Thank you. \nWe will review <em>your</em> complaint. Depending on what we find, we will typically : Send <em>your</em> complaint to the company for a response ; or Send <em>your</em> complaint to another state or federal agency, or help you get in touch with <em>your</em> state or local consumer protection office ; or Let you know if we need more information to continue our work."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[16.515924,"6728064"]},{"_index":"complaint-public-v1","_id":"6966520","_score":16.120022,"_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":["Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious <em>error</em> in <em>your</em> reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete <em>your</em> <em>investigation</em> from the date you received my dispute."],"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":[16.120022,"6966520"]},{"_index":"complaint-public-v1","_id":"6966689","_score":16.081362,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your reporXXXX XXXX XXXXfXXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T16:26:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on <em>your</em> 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 <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> TRANSUNION INTERMEDIATE HOLDINGS , INC ."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.081362,"6966689"]},{"_index":"complaint-public-v1","_id":"6966521","_score":16.081266,"_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 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING."],"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":[16.081266,"6966521"]},{"_index":"complaint-public-v1","_id":"14925877","_score":14.939217,"_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 CFPB 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 <em>your</em> report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the <em>errors</em> I disputed"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[14.939217,"14925877"]},{"_index":"complaint-public-v1","_id":"8747949","_score":14.164251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Urgent Complaint Regarding Recurrent Credit Information Mismatch** **To Whom It May Concern, ** I am writing to express significant concern and file a formal complaint about persistent issues with my credit report where my financial information has been repeatedly confused with that of another individual. This ongoing problem began in XXXX and has recurred multiple times up to the present date in XXXX. \n\n**Details of the Issue : ** - **Initial Incident** : The first occurrence was noted in XXXX. \n- **Subsequent Incidents** : Since the initial incident, the issue has reoccurred on multiple occasions, with the most recent being noted in XX/XX/XXXX. \n- **Nature of Errors** : The errors typically involve the appearance of unfamiliar accounts and financial obligations on my credit report, which do not pertain to my financial activities. \n\n**Actions Taken : ** - **Personal Efforts** : I have contacted the credit reporting agencies ( XXXX, XXXX, and TransUnion ) each time these inaccuracies have appeared to dispute and correct the erroneous entries. Each issue was temporarily resolved ; however, the recurrence suggests a deeper systemic problem. \n- **Company Responses** : While individual disputes have been addressed by removing specific inaccuracies, no lasting solution or preventive action has been effectively implemented to rectify the underlying issue permanently. \n\n**Legal Concerns : ** - **Fair Credit Reporting Act ( FCRA ) ** : The repeated inaccuracies and the failure to prevent recurrence of these issues suggest a violation of the FCRA, which mandates credit reporting agencies to maintain accurate and complete records in consumer reports. \n- **Duty to Investigate and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. \n\n**Requested Actions : ** 1. **Comprehensive Investigation** : An exhaustive investigation into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into existing files.\n\n2. **Implementation of Preventive Measures** : Establishment of stricter data handling and verification protocols to ensure such mix-ups are permanently prevented. I request a detailed outline of the actions planned and implemented. \n3. **Regular Updates and Transparency** : Provision of regular updates on the status of the investigation and corrective measures being taken.\n\n4. **Immediate Corrections and Notifications** : Immediate rectification of any inaccuracies currently affecting my credit report, with notifications sent to any entities that received incorrect information. \n\n**Conclusion : ** This recurring problem has caused undue stress and potential damage to my financial standing, eroding my confidence in the reliability of the credit reporting system. It is imperative that this issue be addressed with the seriousness it deserves and resolved permanently. I trust that your agency will take swift and effective action to correct this longstanding issue. \n\nI anticipate your prompt acknowledgment of this complaint and an outline of the steps you will take to resolve this matter satisfactorily.","date_sent_to_company":"2024-04-11T14:16:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"8747949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-11T14:16:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["- **Duty to <em>Investigate</em> and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. \n\n**Requested Actions : ** 1. **Comprehensive <em>Investigation</em>** : An exhaustive <em>investigation</em> into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into <em>existing</em> files.\n\n2."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[14.164251,"8747949"]},{"_index":"complaint-public-v1","_id":"8747940","_score":14.164251,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Urgent Complaint Regarding Recurrent Credit Information Mismatch** **To Whom It May Concern, ** I am writing to express significant concern and file a formal complaint about persistent issues with my credit report where my financial information has been repeatedly confused with that of another individual. This ongoing problem began in XXXX and has recurred multiple times up to the present date in XXXX. \n\n**Details of the Issue : ** - **Initial Incident** : The first occurrence was noted in XXXX. \n- **Subsequent Incidents** : Since the initial incident, the issue has reoccurred on multiple occasions, with the most recent being noted in XX/XX/XXXX. \n- **Nature of Errors** : The errors typically involve the appearance of unfamiliar accounts and financial obligations on my credit report, which do not pertain to my financial activities. \n\n**Actions Taken : ** - **Personal Efforts** : I have contacted the credit reporting agencies ( XXXX, Equifax, and XXXX ) each time these inaccuracies have appeared to dispute and correct the erroneous entries. Each issue was temporarily resolved ; however, the recurrence suggests a deeper systemic problem. \n- **Company Responses** : While individual disputes have been addressed by removing specific inaccuracies, no lasting solution or preventive action has been effectively implemented to rectify the underlying issue permanently. \n\n**Legal Concerns : ** - **Fair Credit Reporting Act ( FCRA ) ** : The repeated inaccuracies and the failure to prevent recurrence of these issues suggest a violation of the FCRA, which mandates credit reporting agencies to maintain accurate and complete records in consumer reports.\n\n- **Duty to Investigate and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. \n\n**Requested Actions : ** 1. **Comprehensive Investigation** : An exhaustive investigation into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into existing files.\n\n2. **Implementation of Preventive Measures** : Establishment of stricter data handling and verification protocols to ensure such mix-ups are permanently prevented. I request a detailed outline of the actions planned and implemented. \n3. **Regular Updates and Transparency** : Provision of regular updates on the status of the investigation and corrective measures being taken.\n\n4. **Immediate Corrections and Notifications** : Immediate rectification of any inaccuracies currently affecting my credit report, with notifications sent to any entities that received incorrect information. \n\n**Conclusion : ** This recurring problem has caused undue stress and potential damage to my financial standing, eroding my confidence in the reliability of the credit reporting system. It is imperative that this issue be addressed with the seriousness it deserves and resolved permanently. I trust that your agency will take swift and effective action to correct this longstanding issue. \n\nI anticipate your prompt acknowledgment of this complaint and an outline of the steps you will take to resolve this matter satisfactorily.","date_sent_to_company":"2024-04-11T14:16:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"8747940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-11T14:16:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["- **Duty to <em>Investigate</em> and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. \n\n**Requested Actions : ** 1. **Comprehensive <em>Investigation</em>** : An exhaustive <em>investigation</em> into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into <em>existing</em> files.\n\n2."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[14.164251,"8747940"]},{"_index":"complaint-public-v1","_id":"3314495","_score":14.141265,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my Equifax credit reports since XX/XX/XXXX. I was trying to dispute through Equifax directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later Equifax disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. Equifax lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. Equifax says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, Equifax failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to Equifax as advised, XXXX XXXX XXXX is still erroneously on my Equifax credit report in the amount of {$1900.00} ... I reported XXXX XXXX and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my Equifax credit report. This is what my experience with Equifax has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed Equifax necessary documents to no avail. \n\nI got a free copy of my Equifax credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with Equifax as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the Equifax credit bureau as far as I understand but disputes through Equifax Information Services LLC. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314495","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-22T18:13:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred Incorrect information on <em>your</em> report ( wrong address, fraud, incorrectly shows account still open ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Improper use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"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>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[14.141265,"3314495"]},{"_index":"complaint-public-v1","_id":"8747835","_score":14.1243,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"**Subject : Urgent Complaint Regarding Recurrent Credit Information Mismatch** XXXXTo Whom It May Concern, ** I am writing to express significant concern and file a formal complaint about persistent issues with my credit report where my financial information has been repeatedly confused with that of another individual. This ongoing problem began in XXXX and has recurred multiple times up to the present date in XXXX. \n\n**Details of the Issue : ** - **Initial Incident** : The first occurrence was noted in XXXX. \n- **Subsequent Incidents** : Since the initial incident, the issue has reoccurred on multiple occasions, with the most recent being noted in XX/XX/XXXX. \n- **Nature of Errors** : The errors typically involve the appearance of unfamiliar accounts and financial obligations on my credit report, which do not pertain to my financial activities. \n\n**Actions Taken : ** - **Personal Efforts** : I have contacted the credit reporting agencies ( Experian, XXXX, and XXXX ) each XXXX these inaccuracies have appeared to dispute and correct the erroneous entries. Each issue was temporarily resolved ; however, the recurrence suggests a deeper systemic problem. \n- **Company Responses** : While individual disputes have been addressed by removing specific inaccuracies, no lasting solution or preventive action has been effectively implemented to rectify the underlying issue permanently. \n\n**Legal Concerns : ** - XXXX XXXX XXXX XXXX ( FCRA ) ** : The repeated inaccuracies and the failure to prevent recurrence of these issues suggest a violation of the FCRA, which mandates credit reporting agencies to maintain accurate and complete records in consumer reports. \n- **Duty to Investigate and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. \n\n**Requested Actions : ** 1. **Comprehensive Investigation** : An exhaustive investigation into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into existing files.\n\n2. **Implementation of Preventive Measures** : Establishment of stricter data handling and verification protocols to ensure such mix-ups are permanently prevented. I request a detailed outline of the actions planned and implemented.\n\n3. **Regular Updates and Transparency** : Provision of regular updates on the status of the investigation and corrective measures being taken.\n\n4. **Immediate Corrections and Notifications** : Immediate rectification of any inaccuracies currently affecting my credit report, with notifications sent to any entities that received incorrect information.\n\n**Conclusion : ** This recurring problem has caused undue stress and potential damage to my financial standing, eroding my confidence in the reliability of the credit reporting system. It is imperative that this issue be addressed with the seriousness it deserves and resolved permanently. I trust that your agency will take swift and effective action to correct this longstanding issue.\n\nI anticipate your prompt acknowledgment of this complaint and an outline of the steps you will take to resolve this matter satisfactorily.","date_sent_to_company":"2024-04-11T14:16:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"926XX","tags":null,"has_narrative":true,"complaint_id":"8747835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-11T13:44:46.000Z","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":["- **Duty to <em>Investigate</em> and Rectify** : The ongoing nature of these mix-ups indicates a potential negligence in handling consumer disputes and maintaining data integrity, which requires immediate and sustained corrective action. \n\n**Requested Actions : ** 1. **Comprehensive <em>Investigation</em>** : An exhaustive <em>investigation</em> into my case to identify the root cause of the repeated data mix-ups. This should include a review of how external data is verified and integrated into <em>existing</em> files.\n\n2."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[14.1243,"8747835"]},{"_index":"complaint-public-v1","_id":"3314501","_score":14.115036,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my XXXX  report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX  says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, Portfolio Recovery Associates is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported XXXX  XXXX and Portfolio Recovery Associates to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX  has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit  monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail. \n\nI got a free copy of my XXXX  credit report in XX/XX/XXXX and disputed errors by US mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred Incorrect information on <em>your</em> report ( wrong address, fraud, incorrectly shows account still open ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Improper use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit  monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"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>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[14.115036,"3314501"]},{"_index":"complaint-public-v1","_id":"3314655","_score":14.094052,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX  directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX   disputed it and removed it and when confronted accused XXXX Bank XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX  and XXXX  and I faxed supporting information to XXXX as advised, XXXX XXXX XXXX is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported Capital One and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX   has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX   necessary documents to no avail. \n\nI got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX  credit bureau as far as I understand but disputes through XXXX  XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred Incorrect information on <em>your</em> report ( wrong address, fraud, incorrectly shows account still open ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Improper use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"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>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[14.094052,"3314655"]},{"_index":"complaint-public-v1","_id":"11707723","_score":13.976612,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For several months, Experian has been unable to provide my credit file to my financial institution, XXXX XXXX XXXX XXXX, despite having accurate information such as my SSN and full name. This issue has rendered my credit applications incomplete, as XXXX XXXX relies solely on Experian to process applications and has made multiple unsuccessful attempts to pull my credit file. \n\nAlthough I can log in to Experian and view an outdated report from XX/XX/year>, I consistently receive the following error message when trying to access an updated report : Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you wont be able to see your report. \n\nMy Experian account is neither frozen nor locked, and my personal information is correct with both Experian and XXXX XXXX. I have attempted to resolve this issue by contacting Experian, disputing the problem in writing, and requesting XXXX XXXX investigate through their dispute channels with Experian. Unfortunately, these efforts have failed to resolve the problem, and I have received no actionable support from Experian. \n\nAdding to my concerns, Experian has displayed a notification warning of a data breach affecting XXXX XXXX private records. The pop-up offers free fraud alerts and states : A major data breach exposed XXXX XXXX private records. Set up a fraud alert to protect your credit report. \n\nWhile I can not confirm the exact cause of this issue, I believe it may be tied to larger security vulnerabilities, including potential cyberattacks linked to XXXX. Recent reports have highlighted state-sponsored advanced persistent threat ( XXXX XXXX groups, such as XXXX XXXX, which have targeted telecom and financial systems. Considering these risks, I am deeply concerned about Experians ability to safeguard my personal information and provide accurate, reliable credit reporting to lenders.\n\nExperians failure to provide my credit file has caused me significant financial harm and stress. Because XXXX XXXX relies solely on Experian, I have been unable to apply for credit or secure financial relief through a consolidation loan, resulting in higher interest charges on existing debt. \n\nI request a thorough investigation into this matter, including whether Experians systems have been compromised by Chinese-linked cyberattacks or other security breaches. Experian must resolve this issue, ensure my credit file is accessible to me and XXXX XXXX, and provide transparency regarding the root cause of the problem. Additionally, I urge XXXX XXXX XXXX XXXX to be informed of the situation, as other members may also be affected. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2025-01-24T03:30:03.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"11707723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T02:42:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I have attempted to resolve this issue by contacting Experian, disputing the <em>problem</em> in writing, and requesting XXXX XXXX <em>investigate</em> through their dispute channels with Experian. Unfortunately, these efforts have failed to resolve the <em>problem</em>, and I have received no actionable support from Experian. \n\nAdding to my concerns, Experian has displayed a notification warning of a data breach affecting XXXX XXXX private records."],"issue":["Unable to get <em>your</em> credit report or credit score"],"sub_issue":["Other <em>problem</em> getting <em>your</em> report or credit score"]},"sort":[13.976612,"11707723"]},{"_index":"complaint-public-v1","_id":"11474524","_score":13.557632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Equifax, I am writing to formally file a complaint against Equifax for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of XXXX XXXX XXXX ( b ), XXXX XXXX XXXX ( a ), and XXXX XXXX XXXX. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. \nSpecific Violations by Equifax : XXXX XXXX XXXX ( b ) : Failure to maintain the accuracy of my credit report. \nXXXX XXXX XXXX ( a ) : Negligence in ensuring that furnishers of information comply with their obligations. \nXXXX XXXX XXXX ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information. \nXXXX XXXX XXXX : Inclusion of obsolete information in my credit report. \nDespite my repeated attempts and clear documentation of errors, Equifax has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. \nList of Disputed Accounts : XXXX XXXXXXXX XXXX  ( Reported : XXXX XXXX, XXXX, Balance : {$1300.00}, Status : Closed ) XXXX  XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$11000.00}, Status : Closed ) XXXX XXXX XXXX  ( Reported : XXXX XXXX, XXXX, Balance : {$9700.00}, Status : Closed ) XXXX XXXX XXXX XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$36000.00}, Status : Closed ) XXXX  XXXX XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$1000.00}, Status : Needs Attention ) Complete List of Complaints Filed ( XXXX total ) : XXXX. XX/XX/XXXX - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Improper use of your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Improper use of your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. \n\nThank you for your immediate attention to this critical matter. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXXXXXX XXXX  XXXX XXXX","date_sent_to_company":"2025-01-10T11:01:01.000Z","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":"11474524","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-10T10:58:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX - Complaint ID : XXXX - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on <em>your</em> report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on <em>your</em> report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on <em>your</em> report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on <em>your</em> report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on <em>your</em> report XXXX."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Their</em> <em>investigation</em> did not fix an <em>error</em> on <em>your</em> report"]},"sort":[13.557632,"11474524"]},{"_index":"complaint-public-v1","_id":"10106131","_score":12.781107,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB closed my original complaint but Equifax did NOT solve the problem. I still cant login to my account. \n\nXXXX XXXX XXXX XXXX  CFPB complaint : Im locked out of the myequifaxXXXX  online account. All attempts to login and/or reset password end up with same error msg \" we are temporarily unable to complete this request ''. I've talked with four agents. All follow the same steps and end by saying it will be escalated and I will be contacted within a week. I have not received and follow up or fix. I see other people complain about same issue online. It's possible that it started because equifax had my old address. But that was updated by the first agent that worked with me. It did not help. I first called equifax on XXXXXX/XX/year>. I have called five times including today, XXXX \n\nXXXX XXXX XXXX  Company 's Response according to notification from CFPB : Dear XXXX XXXX, In reviewing your MyEquifax account, it was discovered that your registration was incomplete. Please attempt to register again at MyEquifaxXXXX. You will be able to access your MyEquifax account after registration is completed. If you experience any issues, please contact our consumer care department at XXXX between XXXXXXXX XXXX XXXX XXXX, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team XXXX XXXX  Ive already informed Equifax that when I try to register again at MyEquifaxXXXX that I get the error You have an existing account. The companys suggestion was useless. \n\nHere are the final two communications between Equifax and me. \n\nXXXX XXXX XXXXXX/XX/year> Equifax : Dear XXXX XXXX, I've sent you the account recovery link from the system. Please ensure that you are not using a private window, no vpn, and that your cache and cookies, along with browsing history is deleted. Should you still receive an issue a ticket has been put in to further investigate the issue. \nRespectfully, Equifax Executive Consumer Services ref XXXX XXXX XXXX XXXX ref XXXX XXXX XXXX  My Reply : I'm not using a private window or vpn. I cleared my cache and cookies, along with browsing history. I get the same error on my desktop PC as well as on my phone. I had your staff try it and THEY got the same error. \nAny suggestions? \n\nXXXX XXXX There was no further reply from Equifax. So far they've only supplied the same boilerplate strategies that I get when I call them at XXXX for months. I don't think they've made any attempt to get a higher level of tech assistance.","date_sent_to_company":"2024-09-12T23:37:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34787","tags":"Older American","has_narrative":true,"complaint_id":"10106131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-12T23:33:33.000Z","state":"FL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Please ensure that you are not using a private window, no vpn, and that <em>your</em> cache and cookies, along with browsing history is deleted. Should you still receive an issue a ticket has been put in to further <em>investigate</em> the issue. \nRespectfully, Equifax Executive Consumer Services ref XXXX XXXX XXXX XXXX ref XXXX XXXX XXXX  My Reply : I'm not using a private window or vpn. I cleared my cache and cookies, along with browsing history. I get the same <em>error</em> on my desktop PC as well as on my phone."],"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":[12.781107,"10106131"]},{"_index":"complaint-public-v1","_id":"6110196","_score":12.577762,"_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 CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received <em>your</em> complaint. 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