{"took":100,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":55,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13952518","_score":23.48406,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against Experian Information Solutions , Inc . Multiple Complaint IDs Listed Below To Whom It May Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Solutions , Inc., despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. \n\nSince XX/XX/XXXX, I have submitted multiple complaints through the Consumer Response Portal ( CRP ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by Experian are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. \n\nSpecifically, I believe Experian Information Solutions XXXX XXXX has violated the following sections of the United States Code ( XXXX XXXX ) : - XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Requirement for reasonable reinvestigation of disputed information - XXXX XXXX XXXX ( XXXX ) Notice of dispute to furnishers - XXXX XXXX XXXX ( XXXX ) Duty to correct or delete inaccurate or unverifiable information - XXXX XXXX XXXX ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) Duties of furnishers to investigate and report accurate information - XXXX XXXX XXXX Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to Experian through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem The disputed accounts on my Experian credit report that require immediate deletion or correction are : - XXXX XXXX last reported XX/XX/XXXX, balance {$4500.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$7900.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$93.00} Despite these documented efforts and the legally mandated investigation periods , Experian Information Solutions, Inc. has failed to comply with federal law and has repeatedly provided inaccurate or unverifiable information on my credit reports. This failure not only harms my creditworthiness but also violates my rights as a consumer under the FCRA. \n\nI respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into Experian 's handling of my disputes, enforcement of FCRA provisions, and the accuracy of the information reported. Additionally, I request confirmation that the CFPB will hold Experian accountable for these violations and require corrective action to ensure full compliance with federal law. \n\nPlease do not hesitate to contact me if any additional information is needed. I appreciate your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-07T13:00:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"13952518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T12:56:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["into an <em>existing</em> <em>problem</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | Incorrect information on <em>your</em> report <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Improper</em> use of <em>your</em> report <em>XXXX</em> | XX/XX/<em>XXXX</em> | Incorrect information on <em>your</em> report <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Improper</em> use of <em>your</em> report <em>XXXX</em> | XX/XX/<em>XXXX</em> | Incorrect information on <em>your</em> report <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[23.48406,"13952518"]},{"_index":"complaint-public-v1","_id":"11460440","_score":22.783981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Experian, I am writing to formally file a complaint against Experian for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681e ( b ), 15 USC 1681i ( a ), and 15 USC 1681c. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. \n\nSpecific Violations by Experian : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.\n\n15 USC 1681i ( a ) : Negligence in ensuring that furnishers of information comply with their obligations.\n\n15 USC 1681i ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information.\n\n15 USC 1681c : Inclusion of obsolete information in my credit report. \nDespite my repeated attempts and clear documentation of errors, Experian has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. \n\nRecently, I became aware of a lawsuit initiated by the Consumer Financial Protection Bureau ( CFPB ) against Experian, accusing them of conducting sham investigations of credit report disputes. The CFPB 's lawsuit underscores systemic issues within Experian that reflect the challenges I have encountered, highlighting the failure of Experian to conduct legitimate and thorough investigations into consumer disputes. \n\nList of Disputed Accounts : XXXX XXXX XXXX  XXXX ( Account No. XXXX ) : Incorrect reporting of delinquency status and balance of {$1300.00}. \nXXXX XXXX XXXX ( Account XXXX. XXXX ) : Incorrect collection status reported, balance {$1000.00}. \nXXXX XXXX ( Account XXXX. XXXX ) : Reported credit limit and charge-off amount inconsistencies, balance {$4500.00}. \nComplete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. \n\n\nThank you for your immediate attention to this critical matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-10T10:53:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11460440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T10:38:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Complete List of Complaints Filed : XX/XX/year> - Complaint ID : <em>XXXX</em> - Incorrect information on <em>your</em> report XX/XX/year> - Complaint ID : <em>XXXX</em> - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : <em>XXXX</em> - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : <em>XXXX</em> - <em>Improper</em> use of <em>your</em> report XX/XX/year> - Complaint ID : <em>XXXX</em> - <em>Improper</em> use of <em>your</em> report XX/XX/year> - Complaint ID : <em>XXXX</em> - <em>Improper</em> use of <em>your</em> report"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[22.783981,"11460440"]},{"_index":"complaint-public-v1","_id":"15646881","_score":22.480433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX Experian Dispute Department Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX, TX XXXX Subject : FINAL FOLLOW-UP DISPUTE Comprehensive Re-Audit ; Permanent Deletion/Blocking of Inaccurate/Unverifiable Items ; Full Method-of-Investigation ; Privacy/Permissible-Purpose ; Remove All Phone Numbers from File Dear Experian Dispute Department, I am re-submitting a comprehensive, itemized dispute and demanding full compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. This filing incorporates, verbatim, prior complaint language and adds a consolidated timeline and complaint log with dates, IDs, subjects, companies, and outcomes from the CFPB portal. You must delete any item that is inaccurate, incomplete, or can not be verified within FCRA timelines, and provide a detailed Method-of-Investigation ( MOI ) for each disputed entry. \n\nIdentity & contact Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX No phone number : Remove any and all telephone numbers from my file and confirm removal in writing. Do not add or infer any phone number going forward. \n\nLegal bases ( summary ) FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : reasonable procedures to assure maximum possible accuracy.\n\nFCRA 611 / 15 U.S.C. 1681i : reasonable reinvestigation ; delete/correct information that is inaccurate, incomplete, or can not be verified ; provide furnisher contact data ; upon request supply the MOI.\n\nFCRA 604 / 15 U.S.C. 1681b : permissible purpose required for inquiries ; purge any inquiry lacking a documented permissible purpose.\n\nFCRA 605 & 605B / 15 U.S.C. 1681c-2 : obsolescence limits ; identity-theft blocking upon receipt of an Identity Theft Report.\n\nGLBA ( 15 U.S.C. 6801 et seq. ), Privacy Act ( 5 U.S.C. 552a ), 26 U.S.C. 6103 : protect nonpublic personal information ; avoid unauthorized disclosure/retention. \n\n\n\nDear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant financial hardship and reputational harm due to inaccurate information that remains on my report. I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/XXXX, and XX/XX/XXXX. Regrettably, I did not receive the verification I requested, nor did any of the bureaus delete the unverified accounts. Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. \n\nXXXX XXXX XXXX  prior results list ( pattern evidence ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint log ( XXXX subjects companies outcomes ) XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX  Filed XX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXXXXXX \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX I do not know Attempts to collect debt not owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Company responded. \n\nXXXX Medical debt Attempts to collect debt not owed Professional Colletors Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN LEGAL XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report EXPERIAN Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Problem with a credit reporting company XXXX XXXX into an existing problem EXPERIAN Credit reporting Agency XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Closed ; Company responded. \n\nDamages & remedies reserved : 15 U.S.C. 1681n ( willful ), 1681o ( negligent ) : actual, statutory, punitive damages, and fees/costs. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX","date_sent_to_company":"2025-09-01T16:42:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"15646881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-01T16:29:00.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> Closed ; Company responded. \n\n<em>XXXX</em> Credit reporting <em>Improper</em> use of <em>your</em> report XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> Closed ; Company responded. \n\n<em>XXXX</em> Credit reporting <em>Improper</em> use of <em>your</em> report EXPERIAN Filed XX/XX/<em>XXXX</em> Closed ; Company responded. \n\n<em>XXXX</em> Credit reporting <em>Improper</em> use of <em>your</em> report <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> Closed ; Feedback provided."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[22.480433,"15646881"]},{"_index":"complaint-public-v1","_id":"13952216","_score":22.273882,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against TRANSUNION INTERMEDIATE HOLDINGS , INC . Multiple Complaint IDs Listed Below To Whom It May  Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by TRANSUNION INTERMEDIATE HOLDINGS, INC., despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. \n\nSince XX/XX/XXXX, I have submitted multiple complaints through the Consumer Response Portal ( CRP ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by TransUnion are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. \n\nSpecifically, I believe TransUnion has violated the following sections of the United States Code ( XXXX XXXX ) : - XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Requirement for reasonable reinvestigation of disputed information - XXXX XXXX XXXX ( XXXX ) Notice of dispute to furnishers - XXXX XXXX XXXX ( XXXX ) Duty to correct or delete inaccurate or unverifiable information - XXXX XXXX XXXX ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) Duties of furnishers to investigate and report accurate information - XXXX XXXX XXXX Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to TransUnion through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report The disputed accounts on my TransUnion credit report that require immediate deletion or correction are : - XXXX & XXXX ( Note : TransUnion lists themselves as the original creditor, which is inaccurate and violates XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), which requires furnishers to provide accurate information. ) - XXXX XXXX, last reported XX/XX/XXXX, balance {$4500.00} - XXXX XXXX  XXXX, last reported XX/XX/XXXX, balance {$7900.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$38000.00} XXXX demand that TransUnion perform a comprehensive reinvestigation into these accounts, confirm their status, and permanently delete any inaccurate or duplicate listings. Failure to do so constitutes a violation of my rights under the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-07T13:06:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"13952216","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-07T13:03:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["report <em>XXXX</em> | XX/XX/<em>XXXX</em> | Incorrect information on <em>your</em> report <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | Incorrect information on <em>your</em> report <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> | XX/XX/<em>XXXX</em> | <em>Problem</em> with a company"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[22.273882,"13952216"]},{"_index":"complaint-public-v1","_id":"18303833","_score":21.749063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT NARRATIVE Date : XX/XX/XXXX Company : Equifax Product : Credit reporting Issue : Problem with a companys investigation into an existing problem Consumer : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Complaint Summary I am filing this complaint to document improper dispute invalidation and unreasonable identity-verification demands made by Equifax after my disputes were already XXXX, assigned confirmation numbers, and placed under investigation. \nOn XX/XX/XXXX, I called Equifax at ( XXXX ) XXXX to obtain clarification regarding the status of multiple open disputes. The outgoing call lasted approximately XXXX minutes and began at XXXXXXXX XXXX \nDuring this call, an Equifax agent informed me that my drivers license and Social Security documentation were considered invalid, that my existing disputes were being marked invalid, and that I was required to resubmit identification including my full Social Security number. The agent explicitly stated that providing only the last XXXX digits of my SSN was insufficient. \nI explained to the agent that I have never provided my full Social Security number to Equifax for disputesonly the last XXXX digitsand that this method has been consistently accepted by Equifax in the past. \n\nDisputes Improperly Targeted The agent specifically referenced the following Equifax dispute confirmation numbers, all of which had already been accepted and issued by Equifax : Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Confirmation # XXXX Equifax must ensure that the closed confirmation numbers listed above were properly handled, and that the open complaints listed below are properly handled as well. \nEquifax can not retroactively invalidate disputes after identity verification has already occurred and confirmation numbers have been issued. \n\nProof of Disparate and Inconsistent Treatment Equifaxs claim that my identification is invalid is contradicted by its own historical conduct. \nI have filed numerous prior CFPB complaints against Equifax, all using the same identity-verification method ( government-issued ID and partial SSN ). Many of these complaints were accepted, investigated, and closed, with no indication whatsoever that my identification was invalid or insufficient. \nExamples include ( not exhaustive ) : CFPB complaint IDs from XX/XX/XXXX through XX/XX/XXXX, all marked Closed Company Responded Additional closed complaints from XXXX XXXX and XX/XX/XXXX, all processed using the same identification method None of the closed CFPB files reference invalid documentation, identity failure, or refusal to investigate due to missing full SSN This establishes that Equifax has previously verified my identity using the same documentation, and that the sudden demand for a full Social Security number is new, inconsistent, and selectively applied. \n\nImproper Demand for Full Social Security Number Equifaxs demand that I provide my full Social Security number as a condition to reinstate or process disputes is unreasonable and unsupported. \nThe Fair Credit Reporting Act does not require consumers to disclose their full SSN to dispute inaccuracies Equifax has repeatedly accepted disputes from me using a partial SSN Identity verification had already occurred, as evidenced by issued confirmation numbers Additionally, I was not provided any written notice identifying a specific deficiency in my identification or explaining how to cure it, despite Equifax claiming my disputes were being invalidated. \nAn oral statement during a phone call does not satisfy notice or documentation requirements. \n\nRelated Open CFPB Complaints This conduct directly impacts and appears designed to obstruct the resolution of the following currently open CFPB complaints, all of which have already been sent to Equifax : Your complaintt Open COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX XXXX XXXXeporting Problem with a company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report EQUIFAX , INC . \nXX/XX/XXXX Open Sent to Company Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with XXXX XXXX XXXX XXXX XXXX an existing problem Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX XXXX XXXX problem Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's investigation into an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX XXXX into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX XXXX Unable to XXXX XXXX credit report XXXX credit score Equifax Information Services LLC XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting Problem with a XXXX XXXX XXXX XXXX an XXXX XXXX Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation XXXX XXXX XXXX XXXX Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into XXXX XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company 's investigation into an existing problem EQUIFAX XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Credit Bureau XX/XX/XXXX XXXX Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX XXXX XXXX XXXX investigation into an existing problem Equifax Information Services LLC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unable XXXX XXXX XXXX credit report or credit score Equifax Information Services LLC XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem with a company XXXX XXXX XXXX an existing problem Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX reporting XXXX XXXX a company 's investigation XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed Company responded XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Equifax Credit Bureau XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureau XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX substance of these XXXX XXXX Equifax appears to be attempting to invalidate disputes procedurally by imposing new and unreasonable identity requirements.","date_sent_to_company":"2025-12-26T21:08:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70785","tags":null,"has_narrative":true,"complaint_id":"18303833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-26T21:01:45.000Z","state":"LA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> Open Sent to Company <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC . \nXX/XX/<em>XXXX</em> Open Sent to Company <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC . \nXX/XX/<em>XXXX</em> Open Sent to Company <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> EQUIFAX , INC ."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[21.749063,"18303833"]},{"_index":"complaint-public-v1","_id":"11510758","_score":21.166645,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear Experian, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against Experian for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against Experian : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future.\n\nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-14T09:34:49.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["- Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : Incorrect information on <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Improper</em> use of <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : Incorrect information on <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Improper</em> use of <em>your</em>"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[21.166645,"11510758"]},{"_index":"complaint-public-v1","_id":"11510721","_score":21.149448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXX Source XXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":[": <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : Incorrect information on <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Improper</em> use of <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : Incorrect information on <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Improper</em> use of <em>your</em> report"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[21.149448,"11510721"]},{"_index":"complaint-public-v1","_id":"11510722","_score":21.148952,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline. \nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : Incorrect information on <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Improper</em> use of <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : Incorrect information on <em>your</em> report Complaint ID <em>XXXX</em> - Date : XX/XX/<em>XXXX</em> - Issue : <em>Improper</em> use of <em>your</em>"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[21.148952,"11510722"]},{"_index":"complaint-public-v1","_id":"11002238","_score":21.082647,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/2024, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided.\n\nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and XXXX XXXX. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:53:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:51:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID <em>XXXX</em> ( Submitted <em>XX/XX</em>/2024 ) : \" <em>Problem</em> with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted <em>XX/XX</em>/2024 ) : \" <em>Improper</em> use of <em>your</em> report '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted <em>XX/XX</em>/2024 ) : \" Incorrect information on <em>your</em> report '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted <em>XX/XX</em>/2024 ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[21.082647,"11002238"]},{"_index":"complaint-public-v1","_id":"11002283","_score":21.060555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within XXXX business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nXXXX XXXX : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant XXXX XXXX XXXX XXXX XXXX \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-12T12:56:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:46:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Problem</em> with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Improper</em> use of <em>your</em> report '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" Incorrect information on <em>your</em> report '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[21.060555,"11002283"]},{"_index":"complaint-public-v1","_id":"11002279","_score":21.035814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, XXXX, and TransUnion to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Problem</em> with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Improper</em> use of <em>your</em> report '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" Incorrect information on <em>your</em> report '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[21.035814,"11002279"]},{"_index":"complaint-public-v1","_id":"11003332","_score":21.028028,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, Equifax, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints Equifax Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nXXXX  Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' XXXX, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications.\n\nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits.\n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11003332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \n<em>XXXX</em> Complaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \nComplaint ID <em>XXXX</em> ( Submitted XX/XX/year> ) : \" Incorrect information on <em>your</em> report '' Open, no resolution."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[21.028028,"11003332"]},{"_index":"complaint-public-v1","_id":"6966520","_score":20.6498,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Experian Information Solutions Inc . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Experian Information Solutions Inc . \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open ComXXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - Open Com<em>XXXX</em> response is in progress as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2023 <em>XXXX</em> Open Company response is in progress as of <em>XX/XX</em>/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/<em>XXXX</em> - <em>XX/XX</em>/2023 and were in PROGRESS of RESPONDING."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.6498,"6966520"]},{"_index":"complaint-public-v1","_id":"6966689","_score":20.620916,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your reporXXXX XXXX XXXXfXXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem TRANSUNION INTERMEDIATE HOLDINGS , INC . \nXX/XX/2023 - XXXX XXXX response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:09:58.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966689","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-11T16:26:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>XX/XX</em>/2023 - <em>XXXX</em> <em>XXXX</em> response is in progress as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting Incorrect information on <em>your</em> report <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2023 <em>XXXX</em> Open Company response is in progress as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> TRANSUNION INTERMEDIATE HOLDINGS , INC ."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.620916,"6966689"]},{"_index":"complaint-public-v1","_id":"6966521","_score":20.613653,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"DEAR CFPB, THESE REPORTS HAVE NOT RESPONDED WITHIN THE 30 DAY PERIOD. \n\nThe information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. \n\nOnce again! Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. \n\n\nCFPB REPORT # XXXX XXXX XXXX XXXX Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information XXXX your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX XXXX XXXX \nXX/XX/2023 - Open Company response is in progress as of XX/XX/2023 CFPB REPORT # XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem Equifax Information Services LLC XX/XX/2023 XXXX Open Company response is in progress as of XX/XX/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/XXXX - XX/XX/2023 and were in PROGRESS of RESPONDING. According to the FCRA, the credit reporting agencies have 30 days to complete their investigation and respond to me. However, as of the dates mentioned in the table, none of the credit reporting agencies have provided a response to my dispute. \n\nI want to bring to your attention that this failure on the part of the credit reporting agencies to respond within the 30-day deadline is a violation of the FCRA. As per the Act, if a credit reporting agency! They must immediately delete the information in question from the consumer 's credit report. I have provided the necessary information for each of the above-listed reports, and none of these companies have responded within the required 30-day period.","date_sent_to_company":"2023-05-11T17:10:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90005","tags":null,"has_narrative":true,"complaint_id":"6966521","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-11T17:10:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> \n<em>XX/XX</em>/2023 - Open Company response is in progress as of <em>XX/XX</em>/2023 CFPB REPORT # <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Equifax Information Services LLC <em>XX/XX</em>/2023 <em>XXXX</em> Open Company response is in progress as of <em>XX/XX</em>/2023 As you can see, all the disputes were opened by the COMPANY on XX/XX/<em>XXXX</em> - <em>XX/XX</em>/2023 and were in PROGRESS of RESPONDING."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.613653,"6966521"]},{"_index":"complaint-public-v1","_id":"2894069","_score":18.806555,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are several issues I have with Lexis Nexis : Problem with a credit reporting company 's investigation into an existing problem and Improper use of your report ( shared without consent, credit inquiries from unknown sources. \n\nA Freeze and a Suppression was placed with Lexis Nexis last year. Lexis Nexis continues to sell/share my information with the XXXX and XXXX. Lexis Nexis has also released my information to creditors, well after the freeze and suppression. Lexis Nexis continue to state that the US Federal Court has given them Bankruptcy information. The Court has sent me a letter stating it doesn't share information with credit reporting agencies, due to privacy laws. Per my Lexis Nexis report, Lexis Nexis states that it contacted the bankruptcy court directly and was told that I had a bankruptcy. I requested information from Lexis Nexis to  disclose to me who at court told them I had a bankruptcy ; but Lexis Nexis has ignored my requests and have failed to properly investigate. LN has released information to several creditors, such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX for insurance. I have sent subsequent investigation letters, and I feel that I have been ignored. My LN reports shows that I have a business. I HAVE NEVER OWNED OR CO-OWNED ANY BUSINESS!","date_sent_to_company":"2018-05-02T16:46:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31707","tags":"Servicemember","has_narrative":true,"complaint_id":"2894069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2018-05-02T16:08:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["There are several issues I have with Lexis Nexis : <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> and <em>Improper</em> use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources. \n\nA Freeze and a Suppression was placed with Lexis Nexis last year. Lexis Nexis continues to sell/share my information with the <em>XXXX</em> and <em>XXXX</em>. Lexis Nexis has also released my information to creditors, well after the freeze and suppression."],"issue":["<em>Improper</em> use of <em>your</em> report"],"sub_issue":["Credit inquiries on <em>your</em> report that you don't recognize"]},"sort":[18.806555,"2894069"]},{"_index":"complaint-public-v1","_id":"2580189","_score":18.157866,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hope this will get the attention that is need because of the abuse The department is Equifax The office of Consumer Affairs. I Will provided the name of the people this complain get to do an investigation This list of issues with Equifax The Office Of Consumer Affairs that unfortunate has make my life a living I feel XXXX if the can get away with what they are doing then we really have a bigger problem. My hope is for this complain will find his way to the authorities who can only address the problem until I will not stop until this get accomplish. Some how my file lander on their hands by system mix file or manually my file was change with incorrect information I was told that my credit report with Equifax was not a right but a privilege and that privilege have been taken away for to use. As such they block my report or reporting credit scores. Because of someone without proper juristic ion feels that they say is what is going to be something is right 1.  Incorrect information on my report ( wrong address, fraud, incorrectly My identity was compromise fraudulent account place on my file permanently creating new issues base on the fact that they did follow as appropriate to prevent what follow 2 It has been 3 months now and nothing have been done i did as much as I could begging then to do something and no one cares Problem with a credit reporting company 's investigation without they having any idea why they made an error they mix my file know what is that are doing what is doing more problem to existing problem which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes trouble placing or extending with a without allow me to have my telephone so that creditor will call me to confirm if I was the one opening an account They denied for me to put a freeze, what they did denied access completely They place wrong address, fraud, incorrectly shows accounts were open fraudulent Problem with a credit reporting company 's investigation into an existing problem All account activities on file is gone What? how? Information belongs to someone else ( identity theft, fraud, error ) Information is missing that should be on the report My employment history was remove gone Account information incorrect ( loan balance, payment amount ) Account status incorrect ( showing open account as closed, showing delinquent account when it 's not ) Personal information incorrect ( they have added new names no mine but they think is mine How? no prove but they reporting it regardless Public record information inaccurate ( bankruptcy, judgment, liens, criminal record )","date_sent_to_company":"2017-07-20T14:42:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92234","tags":null,"has_narrative":true,"complaint_id":"2580189","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-20T13:42:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["is that are doing what is doing more <em>problem</em> to <em>existing</em> <em>problem</em> which as long as they do not remove information that does not belong to me They place a second Social Security Number on my file when I told that is not mine I prove that it was not with plenty of identification I did nothing <em>Improper</em> use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit monitoring or identity theft protection services <em>Problem</em> with"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[18.157866,"2580189"]},{"_index":"complaint-public-v1","_id":"14925877","_score":17.522034,"_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/<em>XXXX</em>, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute <em>investigations</em> : <em>XXXX</em> <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> same issue <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Incorrect information on <em>your</em> report <em>XXXX</em> <em>XXXX</em> Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[17.522034,"14925877"]},{"_index":"complaint-public-v1","_id":"3314501","_score":16.852346,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my XXXX  report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX  says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, Portfolio Recovery Associates is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported XXXX  XXXX and Portfolio Recovery Associates to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX  has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit  monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail. \n\nI got a free copy of my XXXX  credit report in XX/XX/XXXX and disputed errors by US mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred Incorrect information on <em>your</em> report ( wrong address, fraud, incorrectly shows account still open ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>Improper</em> use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit  monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[16.852346,"3314501"]},{"_index":"complaint-public-v1","_id":"3314495","_score":16.846235,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my Equifax credit reports since XX/XX/XXXX. I was trying to dispute through Equifax directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later Equifax disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. Equifax lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. Equifax says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, Equifax failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to Equifax as advised, XXXX XXXX XXXX is still erroneously on my Equifax credit report in the amount of {$1900.00} ... I reported XXXX XXXX and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my Equifax credit report. This is what my experience with Equifax has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed Equifax necessary documents to no avail. \n\nI got a free copy of my Equifax credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with Equifax as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the Equifax credit bureau as far as I understand but disputes through Equifax Information Services LLC. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314495","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-22T18:13:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred Incorrect information on <em>your</em> report ( wrong address, fraud, incorrectly shows account still open ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>Improper</em> use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[16.846235,"3314495"]},{"_index":"complaint-public-v1","_id":"3314655","_score":16.835102,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX  credit reports since XX/XX/XXXX. I was trying to dispute through XXXX  directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX   disputed it and removed it and when confronted accused XXXX Bank XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX  and XXXX  and I faxed supporting information to XXXX as advised, XXXX XXXX XXXX is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported Capital One and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX   has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX   necessary documents to no avail. \n\nI got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX  credit bureau as far as I understand but disputes through XXXX  XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All of the above occurred Incorrect information on <em>your</em> report ( wrong address, fraud, incorrectly shows account still open ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>Improper</em> use of <em>your</em> report ( shared without consent, credit inquiries from unknown sources ) Unable to get <em>your</em> credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, <em>problem</em> cancelling account ) <em>Problem</em> with fraud alerts"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[16.835102,"3314655"]},{"_index":"complaint-public-v1","_id":"15700238","_score":16.761297,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Subject : Complaint Regarding Improper Linking of Old Delinquent Account to My Active Credit Accounts with Ginnys , Inc., Ashro, and Seventh Avenue I am writing to file a formal complaint against Ginnys , Inc., and its affiliated companies ( Ashro and Seventh Avenue ) regarding the mishandling of my credit account information. \n\nOn XX/XX/XXXX, I reactivated my existing credit accounts with Ginnys, Ashro, and Seventh Avenue by placing an online order. The order was approved and delivered without issue. However, on XX/XX/XXXX, I encountered problems accessing my online account and contacted the company for assistance. \n\nDuring a nearly two-hour call, the representative informed me she discovered a delinquent account under the name XXXX. I explained that I was previously known by that name, but I had no knowledge of an outstanding balance and believed any such debt would have been discharged in a XXXX XXXX XXXX filed many years ago. The representative stated the debt was from XXXX ( 14 years ago ). \n\nWithout my authorization, she linked this unverified, outdated debt to my active accounts, altering my current account information. Since then, I have not been able to get Ginnys, Ashro or Seventh Avenue to correct the problem. \nOn XX/XX/XXXX, I called again after finding my online access still restricted. I was told I could not use online services due to this alleged delinquency. When I escalated to a supervisor, I was informed I would have to send a written request to separate the accounts. I attempted to fax the letter to the number provided, but after repeated failures, I obtained a second fax number and eventually sent it successfully. Despite these steps, the issue remains unresolved. \n\nThis situation raises several concerns : 1. Improper association of accounts An old, unverified debt ( from XXXX ) was connected to my active account without my consent. \nXXXX. Potential violation of consumer protection laws This practice may constitute improper debt collection, inaccurate reporting, or unfair credit practices. \nXXXX. Denial of account access I rely on online account access to ensure timely payments. Blocking access over an unverified debt places me at a disadvantage and could cause harm to my credit standing. \nI respectfully request that your office investigate this matter, ensure that Ginnys , Inc., Ashro, and Seventh Avenue separate any unverified or time-barred debts from my active account, and restore my full account access without penalty. \nPlease let me know if you require additional documentation, such as my correspondence with the company, bankruptcy records, or confirmation of my recent order and account activity. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-10-09T18:08:44.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"30035","tags":"Older American","has_narrative":true,"complaint_id":"15700238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Colony Brands, Inc.","date_received":"2025-09-03T15:20:19.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I respectfully request that <em>your</em> office <em>investigate</em> this matter, ensure that Ginnys , Inc., Ashro, and Seventh Avenue separate any unverified or time-barred debts from my active account, and restore my full account access without penalty. \nPlease let me know if you require additional documentation, such as my correspondence with the company, bankruptcy records, or confirmation of my recent order and account activity. \n\nThank you for <em>your</em> attention to this matter."],"issue":["<em>Problem</em> with additional add-on products or services"]},"sort":[16.761297,"15700238"]},{"_index":"complaint-public-v1","_id":"11474524","_score":16.325457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Equifax, I am writing to formally file a complaint against Equifax for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of XXXX XXXX XXXX ( b ), XXXX XXXX XXXX ( a ), and XXXX XXXX XXXX. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. \nSpecific Violations by Equifax : XXXX XXXX XXXX ( b ) : Failure to maintain the accuracy of my credit report. \nXXXX XXXX XXXX ( a ) : Negligence in ensuring that furnishers of information comply with their obligations. \nXXXX XXXX XXXX ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information. \nXXXX XXXX XXXX : Inclusion of obsolete information in my credit report. \nDespite my repeated attempts and clear documentation of errors, Equifax has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. \nList of Disputed Accounts : XXXX XXXXXXXX XXXX  ( Reported : XXXX XXXX, XXXX, Balance : {$1300.00}, Status : Closed ) XXXX  XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$11000.00}, Status : Closed ) XXXX XXXX XXXX  ( Reported : XXXX XXXX, XXXX, Balance : {$9700.00}, Status : Closed ) XXXX XXXX XXXX XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$36000.00}, Status : Closed ) XXXX  XXXX XXXX ( Reported : XXXX XXXX, XXXX, Balance : {$1000.00}, Status : Needs Attention ) Complete List of Complaints Filed ( XXXX total ) : XXXX. XX/XX/XXXX - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Incorrect information on your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Improper use of your report XXXX. XX/XX/XXXX - Complaint ID : XXXX - Improper use of your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. \n\nThank you for your immediate attention to this critical matter. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXXXXXX XXXX  XXXX XXXX","date_sent_to_company":"2025-01-10T11:01:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11474524","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-10T10:58:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/<em>XXXX</em> - Complaint ID : <em>XXXX</em> - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em>. XX/XX/<em>XXXX</em> - Complaint ID : <em>XXXX</em> - Incorrect information on <em>your</em> report <em>XXXX</em>. XX/XX/<em>XXXX</em> - Complaint ID : <em>XXXX</em> - Incorrect information on <em>your</em> report <em>XXXX</em>. XX/XX/<em>XXXX</em> - Complaint ID : <em>XXXX</em> - Incorrect information on <em>your</em> report <em>XXXX</em>. XX/XX/<em>XXXX</em> - Complaint ID : <em>XXXX</em> - Incorrect information on <em>your</em> report <em>XXXX</em>. XX/XX/<em>XXXX</em> - Complaint ID : <em>XXXX</em> - Incorrect information on <em>your</em> report <em>XXXX</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on <em>your</em> report"]},"sort":[16.325457,"11474524"]},{"_index":"complaint-public-v1","_id":"8865966","_score":16.094673,"_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":["<em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Which best describes <em>your</em> <em>problem</em>?"]},"sort":[16.094673,"8865966"]},{"_index":"complaint-public-v1","_id":"8864121","_score":16.077066,"_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 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