{"took":124,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":119,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2491655","_score":20.318075,"_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":["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"],"issue":["Problem with a company's investigation into an existing issue"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[20.318075,"2491655"]},{"_index":"complaint-public-v1","_id":"13994567","_score":20.194462,"_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 : 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."],"issue":["Incorrect information on your report"]},"sort":[20.194462,"13994567"]},{"_index":"complaint-public-v1","_id":"13345537","_score":19.907122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : 1.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}","date_sent_to_company":"2025-05-05T22:15:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77530","tags":null,"has_narrative":true,"complaint_id":"13345537","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-05T22:08:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[19.907122,"13345537"]},{"_index":"complaint-public-v1","_id":"6728486","_score":19.356026,"_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 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."],"issue":["Incorrect information on your report"]},"sort":[19.356026,"6728486"]},{"_index":"complaint-public-v1","_id":"6728499","_score":19.350067,"_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 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."],"issue":["Incorrect information on your report"]},"sort":[19.350067,"6728499"]},{"_index":"complaint-public-v1","_id":"6728064","_score":19.322372,"_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 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."],"issue":["Incorrect information on your report"]},"sort":[19.322372,"6728064"]},{"_index":"complaint-public-v1","_id":"3451243","_score":17.26842,"_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 am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by XXXX, XXXX and Transunion that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections. This is insane. I would like you all to check into this. Because I was informed by the XXXX, Friends of the Family in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX situation.. It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. This is not helping the consumer. \n\nView full complaint","date_sent_to_company":"2019-11-26T19:37:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75252","tags":"Servicemember","has_narrative":true,"complaint_id":"3451243","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-11-26T19:29:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["reporting company 's investigation into an existing problem We received your complaint. 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."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.26842,"3451243"]},{"_index":"complaint-public-v1","_id":"6110196","_score":16.857752,"_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":["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."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Investigation took more than 30 days"]},"sort":[16.857752,"6110196"]},{"_index":"complaint-public-v1","_id":"14082134","_score":16.85227,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"A Account for XXXX XXXX was made that wasn't me I was in jail ... Inactive modal Inactive modal Submit a complaintStep 2 of 5 What type of problem are you having?\n\nMost of the other personal consumer report complaints we get are about one of the following topics. Select the one that best describes your complaint. You will have the chance to explain your complaint in detail in the next step.\n\nIncorrect information on your report ( account or personal information incorrect, information not mine ) Problem with a company 's investigation into an existing issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, problem cancelling account ) Which best describes your problem? \n\n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised Have you already tried to fix this problem with the company? \n\n\nYes No Did you request information from the company? \n\n\nYes No PreviousNext Step2 of 5 About us Were the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.\n\nLearn how the CFPB can help you HAVE A QUESTION? PREGUNTAS? \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday ( except federal holidays ). \n\nMore than XXXX languages available. \n\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nAn official website of the United States Government Close Privacy Act Statement Privacy Act Statement 5 U.S.C. 552a ( e ) ( 3 ) The information you provide will permit the Consumer Financial Protection Bureau ( CFPB ) to respond to your complaint or inquiry about companies and services we regulate. Information about your complaint or inquiry ( including your personally identifiable information ( PII ) ) may be shared : with the entity that is the subject of your complaint ; with third parties as necessary to get information relevant to responding to your complaint ; with a court, a party in litigation, a magistrate, an adjudicative body or administrative tribunal in the course of a proceeding, or the Department of Justice ; and with other federal or state agencies or regulatory authorities for enforcement and statutory purposes. \nWe may also share your complaint or inquiry ( but not your PII ) with the public through the public Consumer Complaint Database.\n\nAlthough the Bureau does not otherwise anticipate further disclosing the information provided, it may also be disclosed as indicated in the Routine Uses described in the System of Records Notice CFPB.005 Consumer Response System.\n\nThe collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013 ( b ) ( 3 ), 1021, 1034, codified at 12 U.S.C. 5491, 5492, 5493 ( b ) ( 3 ), 5511, 5534. \nSubmitting a complaint is voluntary. You are not required to submit a complaint or share any PII, including your Social Security number, and you may withdraw your complaint at any time. However, if you do not include the requested information, the CFPB may not be able to process your complaint.\n\nInactive modalInactive modal","date_sent_to_company":"2025-06-14T11:29:48.000Z","issue":"Getting a line of credit","sub_product":"Personal line of credit","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"14082134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-14T11:11:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Incorrect information on your report ( account or personal information incorrect, information not mine ) Problem with a company 's investigation into an existing issue Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Identity theft protection or other monitoring services ( billing dispute, unwanted marketing, problem cancelling account ) Which best describes your problem?"]},"sort":[16.85227,"14082134"]},{"_index":"complaint-public-v1","_id":"6110195","_score":16.845594,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"SUPPLEMENTAL COMPLAINT TO COMPLIANT NO. XXXX Print complaint OPEN - XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you.\n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT BACKGROUND : I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner. \n\n\nXXXX, XXXX the XXXX, has 30 days to conduct an investigation from the date a dispute was filed by the consumer. As stated in the background, they were given thirty ( 30 ) days to comply with the XXXX law, which gives them time to gather their findings and report the facts of their investigation and take measures to fix any errors found by making amendments ( remove, change information, or information was verified and kept on the credit file. \n\nCFPB STATUS UPDATES : The CFPB reached out to XXXX to 1 ) inform them of the complaint, 2 ) Advised them of the of the 30 day XXXX XXXX to complete a dispute and punish its result to the consumer. XXXX responded on XX/XX/2022 stating they will have a final result for me within 60 days if the \" complaint ' being filed. This must be a clause that gives them an extension from the original 30 days, IF a CFPB complain it filed, which if it is written in such manner then we will continue through the process. \n\nXXXX responded and XXXX wrote an explanation that the company is still working on the complaint then added a status update underneath the above status update stating the company has within 60 days to provide a final response. [ INITIAL RESPONSE SENT TO COMPANY XX/XX/2022 ] MAIN COMPLAINT : THE CFPB was established to govern the credit bureau. The FCRA, established law is to be used any the CFPB for oversight of the Credit Bureaus and making sure they are staying in compliance with consumer disputes, properly investigating disputes for accuracy, inaccuracies, made by either the creditor in their reporting or the credit agency in populating the prior data on the consumer reports, which if not done right can potentially ruin someones life by the was of their \" credit worthiness ' if not accurate. \n\nIn conclusion, XXXX and Equifax has violated the FCRA, which is low that was made by XXXX to protect the consumer. This issue in front of us : XXXX ) COMPLIANT NO. XXXX and this supplemental should more than explain how XXXX has XXXX the law the is meant to protect us from erroneous, inaccurate, unduly information on our credit files, which will surely hurt us in home purchasing, vehicle purchasing, stating a business, etc. SHOWCASING a false or inaccurate representation of the individual personal, including myself, a Minority/Woman Owned Small Business. THE UNVERIFIABLE INFORMATION THAT HAS TAKEN LONER THAN 90 DAYS + WHICH INCLUDE MY INITIAL DISPUTE TO THE COMPANY30 DAYS, THE 30 DAYS FOR THEM TO RETURN RESULTS TO THE CFPB COMPLAINT, WHICH AN ADDITIONAL 30 DAYS WAS GIVEN IS CLEAR VIOLATION ( S ) OF WHAT THE FCRA WAS MEANT TO PROTECT AND WHAT THE CFPB WAS TASKED TO PROVIDE OVERSIGHT.,","date_sent_to_company":"2022-10-20T21:02:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"6110195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-20T21:02:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["SUPPLEMENTAL COMPLAINT TO COMPLIANT NO. XXXX Print complaint OPEN - XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you.\n\nWe will review your complaint."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Investigation took more than 30 days"]},"sort":[16.845594,"6110195"]},{"_index":"complaint-public-v1","_id":"4275185","_score":16.832844,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage 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 My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/XXXX My previous mortgage company XXXX Reported I did not pay XX/XX/XXXX I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan ATTACHMENTS XXXX ( 1.4 MB ) I have never respond to this complaint New complaint XX/XX/XXXX Shellpoint reported on my credit report that I was late reference back to complaint XXXX XXXX drop my points 127 in the process of me purchasing a home due Shellpoint I lost money {$40000.00} I was purchasing house on XX/XX/XXXX I was not able to purchase because my score had Dropped Also Shellpoint attempt to fix my credit over 3 time ask of today XX/XX/XXXX they have not fixed it what they did do is remove them self from my credit report of 30 years of history Show that I never had a lone and pay the property at XXXX XXXX XXXX XXXX XXXX TN XXXX off. Shellpoit Shellpoit bought this paper from XXXX That went into bankruptcy XXXX sent me a letter stating. That this loan should never have came over to them I am requesting {$40000.00} for the property that was lose due Shellpoint Repo incorrect on my report results and dropping my score. Then they removed his self all together for my report refused to give me the credit due to me for the years I have paid the mortgage never respond to any of my requests I am requesting that they replace Shellpoint back on my credit report show paid in full Of 30 years Paid as agreed And to be reimbursed {$40000.00} contract attached XXXX XXXX","date_sent_to_company":"2021-04-06T17:47:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4275185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2021-04-06T17:23:51.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Mortgage 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."],"issue":["Incorrect information on your report"]},"sort":[16.832844,"4275185"]},{"_index":"complaint-public-v1","_id":"5688461","_score":16.560024,"_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. 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 I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that \" we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.","date_sent_to_company":"2022-06-20T21:29:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34759","tags":null,"has_narrative":true,"complaint_id":"5688461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-20T21:23:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["reporting company 's investigation into an existing problem 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."],"issue":["Problem with a credit reporting company's investigation into an existing problem"]},"sort":[16.560024,"5688461"]},{"_index":"complaint-public-v1","_id":"5688466","_score":16.558393,"_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 want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that \" we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... \n\nAttached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.","date_sent_to_company":"2022-06-20T21:21:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34759","tags":null,"has_narrative":true,"complaint_id":"5688466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-20T21:15:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"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."],"issue":["Problem with a credit reporting company's investigation into an existing problem"]},"sort":[16.558393,"5688466"]},{"_index":"complaint-public-v1","_id":"14925877","_score":16.35213,"_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 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"],"issue":["Incorrect information on your report"]},"sort":[16.35213,"14925877"]},{"_index":"complaint-public-v1","_id":"2581732","_score":16.145468,"_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. 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 \" The story concerns the Pick-a-Pay loan program, one of the more toxic mortgage offerings during the housing bubble. These loans offered a variety of different initial payment options for borrowers to choose : a sum corresponding to a 15- or 30-year fixed rate loan, an interest-only payment, or a minimum payment that created negative amortization, where the principal balance would actually increase with each passing month. Borrowers naturally trended toward choosing the lowest payment. But they were never told about the implications, and when the pay option expired, their monthly mortgage bill would skyrocket, usually leading to default. These were not loans, but neutron XXXX with a long fuse. And roughly half a million borrowers took these Pick-a-Pay loans under false pretenses from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XX/XX/XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because Pick-a-Pay loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' My Complaint : Even to this day your company allows XXXX XXXX to continue to stand behind their predatory lending practices, but what they have not provided are a few facts about my case that I think they should know. I initiated litigation proceeding against XXXX XXXX back in XX/XX/XXXXXX/XX/XXXX when their predatory lending practices came to light. The home equity loan was an instrument of XXXX Pick-A-Payment home loan, which was transferred in XX/XX/XXXX under Account XXXX while litigation were still proceeding and without notifying me or my attorney of this critical piece of information. Critical, as the loan transfer released the primary home as collateral positioning XXXX to continue there ruse of a home modification in the works while clearing away any foreclose obstructions. my home was then foreclosed on a short time latter as there was no modification being worked out, so you see you 're being duped just as I was and your now going on record as supporting a loan that was identified by the Attorney General of multiple states as a predatory loan ... Congratulations!","date_sent_to_company":"2017-07-21T20:45:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11731","tags":null,"has_narrative":true,"complaint_id":"2581732","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-07-21T20:32:09.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["reporting company 's investigation into an existing problem 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."],"issue":["Incorrect information on your report"]},"sort":[16.145468,"2581732"]},{"_index":"complaint-public-v1","_id":"4414707","_score":16.046713,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I removed names and addresses and phone numbers from their response. \n\nI submitted a complaint through the cfpb trying to seek resolution to an on going issue with discover card. The response I recieved provided no resolution and only a promise to take the issue out of the perview of the cfpb. This is not acceptable, # 1 that the CFPB considers this an actual response, # 2 that the cfpb would allow them to close the complaint without addressing my concerns.\n\nDiscover Card, rather than addressing my complaint, said we have no further information to provide at this time, this was in reference to the original complaint, where they said it would take up to 90 days to actually respond, which is beyond the fcras 30 day limit, and the cfpb 60 day limit. The cfpb said ... ok no problem, that's acceptable and closed that complaint as well. \n\nThe complaint should not be closed until resolution is provided. How else can the cfpb determine if the complaint was addressed, and addressed with in a timely manner. \n\nDiscover card, closing the complaint before resolution is unacceptable. Why even bother with all the extra lingo, if that lingo contains no resolution ... just type a random letter or number on the keyboard, and close the complaint. It's the equivalent of what you did, and it is not acceptable. \n\nPlease resolve this issue within the 60 days allotted by the cfpb, and do not close the complaint until resolution is provided through the cfpb. \n\nBellow is the last response with in you can find the complaint number, as well as the original complaint number which started the time clock. Do not reset the time clock as they have not actually addressed my concerns at all. \n\nXXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT Companies response says they will take longer than 30 days to resolve the dispute. Fcra allows them 30days. The information they provided violates the fcra because it lies about the time frame a company has to resolve a credit dispute. A creditor can not provide misleading information to a consumer. Their response attached. FTC theft report number is. Please remove from credit bureaus. \n\nATTACHMENTS ScreenshotXXXX ( XXXX KB ) View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response XX/XX/2021 RE : Discover card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are efficiently addressed, your inquiry has been forwarded to my attention within the Executive Office of Customer Advocacy at Discover. We regret any dissatisfaction with our XX/XX/2021 response to your CFPB case number XXXX. As advised in our prior response, based on the information you provided an investigation was initiated into your claim that the above referenced account was fraudulently opened. There is no additional information we are able to provide at this time, as the investigation is still ongoing. Should you continue to have questions or have additional information you wish to provide, we recommend contacting our Customer Protection Services department at. Once our investigation is complete, our Customer Protection Services department will contact you in writing with their findings. Thank you for allowing me the opportunity to address your concerns. Should you have any additional questions or concerns, please contact me at (. I am typically available XXXX, from XXXX XXXX to XXXX XXXX ( ET ). Sincerely, XXXX XXXX Executive Office of Customer Advocacy CC : Consumer Financial Protection Bureau Feedback provided STATUS Feedback provided on XX/XX/2021 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS The original response said they would take up to 90 days to respond. That's is not acceptable. \nI UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS This was a no response. \nTHE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No","date_sent_to_company":"2021-05-28T23:18:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"757XX","tags":null,"has_narrative":true,"complaint_id":"4414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2021-05-28T22:41:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Was not notified of investigation status or results"]},"sort":[16.046713,"4414707"]},{"_index":"complaint-public-v1","_id":"16757276","_score":15.877647,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by Citibank XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to Citibank 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from Citibank 's Cardmember Services - Credit Management Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite Citibank claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My XXXX credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching Citibank 's XXXX XXXX location. \n\nThis creates several violations : 1. Citibank is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - Citibank refused to investigate by claiming they can not locate the account WHAT I WANT : 1. Citibank to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If Citibank truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from Citibank regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - Citibank letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to Citibank","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16757276","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-10-22T13:04:51.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report"],"issue":["Incorrect information on your report"]},"sort":[15.877647,"16757276"]},{"_index":"complaint-public-v1","_id":"16758190","_score":15.839417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. \n\nDETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by XXXX XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. \n\nI sent a goodwill letter to XXXX 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. \n\nOn XX/XX/XXXX, I received a response from XXXX 's XXXX XXXX XXXX XXXX XXXX Department stating : \" We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. \nLocate your account. '' CONTRADICTION AND ISSUE : Despite XXXX claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My Experian credit report ( updated as recently as XX/XX/XXXX ) shows the account as \" XXXX XXXX & XXXX '' with the contact address matching XXXX 's XXXX XXXX location. \n\nThis creates several violations : 1. XXXX is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - XXXX refused to investigate by claiming they can not locate the account WHAT I WANT : 1. XXXX to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If XXXX truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from XXXX regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - XXXX letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to XXXX","date_sent_to_company":"2025-10-22T13:11:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78414","tags":"Servicemember","has_narrative":true,"complaint_id":"16758190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-22T13:10:36.000Z","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 status incorrect"},"highlight":{"complaint_what_happened":["Company Name : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding XXXX 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it."],"issue":["Incorrect information on your report"]},"sort":[15.839417,"16758190"]},{"_index":"complaint-public-v1","_id":"2766480","_score":15.777333,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws. Fair Credit Act, Equal Opportunity Credit. as well Law of Agency all public, companies, administrators of credit associate with their name, standard, and rating having NO OTHER SOURCE to access or review credit. \nPlease help me resolve this problem. \nXX/XX/XXXX at XXXX XXXX Thank you for your response, I wrote requesting your group raise my credit score, I provided many repaid loans totaling some {$100000.00} to support my request. \nI did so for two reasons :.\n\n1. I am in need of vehicle to drive XXXX. \n2. I need to purchase a lot to move my RV home onto. It was damaged in storm XXXX, and no parks will accept in present condition, though livable. \nI am not satisfied with your answer, and to such degree I will request further assistance from CFPB, and even file on my own if nothing resolved. I believe there are thousands if not 100 's of thousands people suffering same indignity due to your neglect. \nAdditionally I find it offensive you force me to communicate via standard mail, especially in our era and age of immediate/ social media email, the new standard by any measure. \nI will argue in accordance to the Fair Credit Act, Equal Opportunity Lending that am entitled to fair and reasonable credit score, perhaps even a heightened one having paid/ satisfied some {$100000.00} and that you are obstructing it, and knowingly having provided documentation to your office. \nYour answer states \" We are a consumer credit reporting agency. We receive credit information from businesses that subscribe to our services and directly from the courts. We do not add data from private parties to our files since we would be unable to verify or maintain the data to keep it current '' I believe your answer places your group in violation of a number of laws, and for an number of reasons, The first being the Law of Agency, the ruling of assumption, association, via the determination of purchase power, the assumed profile companies, administrators, public makes about your credit rating determination, and what suggest about me, though I provide evidence to contrary. \nRegards XXXX XXXX","date_sent_to_company":"2017-12-28T15:25:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77539","tags":null,"has_narrative":true,"complaint_id":"2766480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-28T15:17:14.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a credit reporting company 's investigation into an existing problem XXXXXXXXXXXX Experian replied to my complaint. I need assistance to file against them. I believe they are in violation of a number of laws."],"issue":["Incorrect information on your report"]},"sort":[15.777333,"2766480"]},{"_index":"complaint-public-v1","_id":"11415938","_score":15.659008,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT 15 USC 1692g : Validation of debts In reviewing my credit report, I have identified the following items that are inaccurate SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE XXXX XXXXXXXX RESPONSE Company responded Status Company responded on XX/XX/XXXX Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : SLOAN/NELNET SERVICES XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CLOSED DATE, SCHEDULED PAYMENT, PAST DUE, BALANCE, ACTIVITY DESIGNATOR, ADDITIONAL INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. \nDESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.","date_sent_to_company":"2025-01-07T16:57:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"318XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11415938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-01-03T03:23:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.659008,"11415938"]},{"_index":"complaint-public-v1","_id":"8865966","_score":15.655098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last XXXX XXXX on the phone calling creditors with a XXXX XXXX, XXXX XXXX. Nearly all day from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a XXXX of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a XXXX of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at XXXX looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX or XXXX later. So now they are simply referencing their lazy effort from XXXX ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single XXXX of them has happened nearly every single XXXX since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or XXXX XXXX Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-29T14:54:29.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8865966","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-26T07:12:11.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Problem with a company 's investigation into an existing problem Which best describes your problem?"]},"sort":[15.655098,"8865966"]},{"_index":"complaint-public-v1","_id":"8864121","_score":15.655098,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last XXXX weeks on the phone calling creditors with a XXXX specialist, XXXX XXXX. Nearly all XXXX from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney XXXX our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at XXXX looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX or XXXX later. So now they are simply referencing their lazy effort from months ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single XXXX since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) 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 Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-26T07:12:15.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8864121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-26T07:12:11.000Z","state":"AZ","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["Problem with a company 's investigation into an existing problem Which best describes your problem?"]},"sort":[15.655098,"8864121"]},{"_index":"complaint-public-v1","_id":"6176358","_score":15.63474,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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 Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these inquires be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-11-07T18:20:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19133","tags":null,"has_narrative":true,"complaint_id":"6176358","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-07T18:17:24.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["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."],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.63474,"6176358"]},{"_index":"complaint-public-v1","_id":"8864572","_score":15.617178,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because experian is reporting truth, or that they make things hard to dispute, they simply don't put one ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last 2 weeks on the phone calling creditors with a restoration specialist, XXXX XXXX. Nearly all day from XXXX XXXX to XXXX XXXX, calling and sitting through the things that I do on a daily basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from experian. The first time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at midnight looking at my credit report because I can't sleep like usual. I see that every single one of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a day or two later. So now they are simply referencing their lazy effort from months ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single day. But I want this to be read, so I'll just say that on the first page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single day since XXXXXXXX XXXX : Incorrect information on your report ( account or personal information incorrect, information not mine ) 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 Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-26T07:12:04.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8864572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-26T06:51:41.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["freezes Problem with a company 's investigation into an existing problem Which best describes your problem?"]},"sort":[15.617178,"8864572"]},{"_index":"complaint-public-v1","_id":"13522987","_score":15.206221,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] 2. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] 3. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. Please block the fraudulent information from my credit report within XXXX business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it XXXX be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ). I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. Sincerely, XXXX XXXX Enclosures :","date_sent_to_company":"2025-05-15T15:14:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"13522987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-15T14:42:35.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[15.206221,"13522987"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":119,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":119}]}},"product":{"doc_count":119,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":42,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":41},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":35},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Debt collection","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":4},{"key":"Mortgage debt","doc_count":4},{"key":"I do not know","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Mortgage","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":2},{"key":"FHA mortgage","doc_count":2},{"key":"VA mortgage","doc_count":2},{"key":"Home equity loan or line of credit (HELOC)","doc_count":1},{"key":"Other type of mortgage","doc_count":1}]}},{"key":"Checking or savings account","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":4},{"key":"Savings account","doc_count":1}]}},{"key":"Credit card","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5}]}},{"key":"Credit card or prepaid card","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":3},{"key":"General-purpose prepaid card","doc_count":1},{"key":"Store credit card","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Money order, traveler's check or cashier's check","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":1},{"key":"Loan","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":119,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":9},{"key":"Account status incorrect","doc_count":5},{"key":"Account information incorrect","doc_count":4},{"key":"Old information reappears or never goes away","doc_count":4},{"key":"Information is missing that should be on the report","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":15},{"key":"Investigation took more than 30 days","doc_count":5},{"key":"Problem with personal statement of dispute","doc_count":3}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":20,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":14},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":2},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Problem with personal statement of dispute","doc_count":1},{"key":"Was not notified of investigation status or results","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":6}]}},{"key":"Closing an account","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":3},{"key":"Funds not received from closed account","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":2},{"key":"Card was charged for something you did not purchase with the card","doc_count":1},{"key":"Overcharged for something you did purchase with the card","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"An existing modification, forbearance plan, short sale, or other loss mitigation relief","doc_count":1}]}},{"key":"False statements or representation","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":3}]}},{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Written notification about debt","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":3}]}},{"key":"Applying for a mortgage or refinancing an existing mortgage","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2}]}},{"key":"Fraud or scam","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Other features, terms, or problems","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem","doc_count":1},{"key":"Privacy issues","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":2}]}},{"key":"Took or threatened to take negative or legal action","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you without properly notifying you of lawsuit","doc_count":2}]}},{"key":"Trouble during payment process","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":1}]}},{"key":"Trouble using your card","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Can't use card to make purchases","doc_count":1},{"key":"Credit card company won't increase or decrease your credit limit","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card opened without my consent or knowledge","doc_count":1}]}},{"key":"Getting a line of credit","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Getting a loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Managing the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing problem","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a purchase or transfer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card company isn't resolving a dispute about a purchase or transfer","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to repay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with forgiveness, cancellation, or discharge","doc_count":1}]}}]}},"timely":{"doc_count":119,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":119}]}},"company_response":{"doc_count":119,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":88},{"key":"Closed with non-monetary relief","doc_count":25},{"key":"Closed with monetary relief","doc_count":6}]}},"submitted_via":{"doc_count":119,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":119}]}},"company":{"doc_count":119,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":24},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":22},{"key":"EQUIFAX, INC.","doc_count":18},{"key":"CITIBANK, N.A.","doc_count":4},{"key":"PNC Bank N.A.","doc_count":4},{"key":"BANK OF AMERICA, NATIONAL ASSOCIATION","doc_count":3},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":3},{"key":"DISCOVER BANK","doc_count":3},{"key":"ENCORE CAPITAL GROUP INC.","doc_count":3},{"key":"Shellpoint Partners, LLC","doc_count":3},{"key":"AMERICAN EXPRESS COMPANY","doc_count":2},{"key":"CORELOGIC INC","doc_count":2},{"key":"Nelnet, Inc.","doc_count":2},{"key":"Atlanticus Services Corporation","doc_count":1},{"key":"BMW Financial Services NA, LLC","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1},{"key":"CBC Companies, Inc.","doc_count":1},{"key":"CCS Financial Services, Inc.","doc_count":1},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"Carvana Group, LLC","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","doc_count":1},{"key":"E*TRADE BANK","doc_count":1},{"key":"FIFTH THIRD FINANCIAL CORPORATION","doc_count":1},{"key":"FORD MOTOR CREDIT CO.","doc_count":1},{"key":"Freedom Mortgage Company","doc_count":1},{"key":"GOLDMAN SACHS BANK USA","doc_count":1},{"key":"Johnson Mark LLC","doc_count":1},{"key":"LEXISNEXIS","doc_count":1},{"key":"MIDFIRST BANK","doc_count":1},{"key":"Mr. Cooper Group Inc.","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"PACIFIC WESTERN BANK","doc_count":1},{"key":"PENTAGON FEDERAL CREDIT UNION","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"TD BANK US HOLDING COMPANY","doc_count":1},{"key":"UNITED SERVICES AUTOMOBILE ASSOCIATION","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":119,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"GA","doc_count":20},{"key":"TX","doc_count":20},{"key":"CA","doc_count":13},{"key":"LA","doc_count":12},{"key":"FL","doc_count":8},{"key":"OH","doc_count":6},{"key":"AZ","doc_count":5},{"key":"TN","doc_count":5},{"key":"NY","doc_count":4},{"key":"IL","doc_count":3},{"key":"NV","doc_count":3},{"key":"IN","doc_count":2},{"key":"MI","doc_count":2},{"key":"PA","doc_count":2},{"key":"AK","doc_count":1},{"key":"CO","doc_count":1},{"key":"HI","doc_count":1},{"key":"IA","doc_count":1},{"key":"KY","doc_count":1},{"key":"MD","doc_count":1},{"key":"MN","doc_count":1},{"key":"MO","doc_count":1},{"key":"MS","doc_count":1},{"key":"NH","doc_count":1},{"key":"NJ","doc_count":1},{"key":"PR","doc_count":1},{"key":"SC","doc_count":1},{"key":"UT","doc_count":1}]}},"company_public_response":{"doc_count":119,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":60},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":4},{"key":"Company believes the complaint is the result of a misunderstanding","doc_count":1}]}},"tags":{"doc_count":119,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":31},{"key":"Older American","doc_count":13}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.206377,"13522987"],"3":[11.938805,"20890871"],"4":[8.500694,"3703140"],"5":[5.0418167,"6312305"]}}}