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Furthermore, Experian, Equifax and TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-02-06T23:09:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80015","tags":"Servicemember","has_narrative":true,"complaint_id":"11965220","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-06T23:09:09.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Experian</em>, <em>Equifax</em> and <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Experian</em>, <em>Equifax</em> and <em>TransUnion</em> consistently responds within 72 hours stating that account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.219318,"11965220"]},{"_index":"complaint-public-v1","_id":"11965065","_score":18.217306,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian, Equifax and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax and TransUnion consistently responds within 72 hours stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax and TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-02-06T23:09:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80015","tags":"Servicemember","has_narrative":true,"complaint_id":"11965065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-06T22:26:11.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Experian</em>, <em>Equifax</em> and <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Experian</em>, <em>Equifax</em> and <em>TransUnion</em> consistently responds within 72 hours stating that account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.217306,"11965065"]},{"_index":"complaint-public-v1","_id":"11965224","_score":18.212822,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian, Equifax and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, Equifax and TransUnion consistently responds within 72 hours stating that account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian, Equifax and TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, Equifax and TransUnion complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-02-06T23:09:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"80015","tags":"Servicemember","has_narrative":true,"complaint_id":"11965224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T23:09:09.000Z","state":"CO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Experian</em>, <em>Equifax</em> and <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Experian</em>, <em>Equifax</em> and <em>TransUnion</em> consistently responds within 72 hours stating that account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.212822,"11965224"]},{"_index":"complaint-public-v1","_id":"13026911","_score":18.16521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, TransUnion, and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, TransUnion and Experian complies with the federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-04-16T23:27:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"13026911","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-16T23:03:59.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>TransUnion</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>TransUnion</em> and <em>Experian</em> consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.16521,"13026911"]},{"_index":"complaint-public-v1","_id":"11905399","_score":18.163288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Experian, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's, Experian 's and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian and TransUnion complies with federal law and provides consumers with the necessary proof of investigations.","date_sent_to_company":"2025-02-04T01:56:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78253","tags":"Servicemember","has_narrative":true,"complaint_id":"11905399","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-04T01:55:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>Experian</em>, and <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>Experian</em> and <em>TransUnion</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.163288,"11905399"]},{"_index":"complaint-public-v1","_id":"11905366","_score":18.163288,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Experian, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's, Experian 's and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian and TransUnion complies with federal law and provides consumers with the necessary proof of investigations.","date_sent_to_company":"2025-02-04T01:56:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78253","tags":"Servicemember","has_narrative":true,"complaint_id":"11905366","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-04T01:55:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>Experian</em>, and <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>Experian</em> and <em>TransUnion</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.163288,"11905366"]},{"_index":"complaint-public-v1","_id":"11905077","_score":18.130823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Experian, and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's, Experian 's and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian and TransUnion complies with federal law and provides consumers with the necessary proof of investigations.","date_sent_to_company":"2025-02-04T01:56:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78253","tags":"Servicemember","has_narrative":true,"complaint_id":"11905077","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T01:40:44.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>Experian</em>, and <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>Experian</em> and <em>TransUnion</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.130823,"11905077"]},{"_index":"complaint-public-v1","_id":"13024510","_score":18.124216,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, TransUnion, and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, TransUnion and Experian complies with the federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-04-16T23:27:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"13024510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-16T23:27:11.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>TransUnion</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>TransUnion</em> and <em>Experian</em> consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.124216,"13024510"]},{"_index":"complaint-public-v1","_id":"13022754","_score":18.124216,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, TransUnion, and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, TransUnion and Experian complies with the federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-04-16T23:27:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70737","tags":null,"has_narrative":true,"complaint_id":"13022754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-16T23:27:11.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>TransUnion</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>TransUnion</em> and <em>Experian</em> consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.124216,"13022754"]},{"_index":"complaint-public-v1","_id":"12051929","_score":18.106922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Experian & TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, Equifax, Experian & TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian & TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian & TransUnion complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-02-12T00:16:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95815","tags":null,"has_narrative":true,"complaint_id":"12051929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-12T00:16:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>Experian</em> & <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, <em>Equifax</em>, <em>Experian</em> & <em>TransUnion</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.106922,"12051929"]},{"_index":"complaint-public-v1","_id":"12036548","_score":18.106922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Experian & TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, Equifax, Experian & TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian & TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian & TransUnion complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-02-12T00:16:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95815","tags":null,"has_narrative":true,"complaint_id":"12036548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-11T23:57:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>Experian</em> & <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, <em>Equifax</em>, <em>Experian</em> & <em>TransUnion</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.106922,"12036548"]},{"_index":"complaint-public-v1","_id":"12036513","_score":18.072617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Experian & TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, Equifax, Experian & TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian & TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian & TransUnion complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-02-12T00:16:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95815","tags":null,"has_narrative":true,"complaint_id":"12036513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-12T00:16:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>Experian</em> & <em>TransUnion</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions, <em>Equifax</em>, <em>Experian</em> & <em>TransUnion</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.072617,"12036513"]},{"_index":"complaint-public-v1","_id":"15390532","_score":17.810513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX : XX/XX/XXXX XXXX, GA XXXX XXXX XXXX, XXXX Subject : Dispute of Inaccurate Information Under the FCRA I am formally disputing the following account on my credit report, which i believe is inaccurate and should be removed. \n\nUnder the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ] You are required to verify the accuracy of these item. If you can not fully verify it within XXXX days, it must be deleted. \n\nXXXX XXXXXXXX XXXX ( XXXX ) ( Open in Transunion and Equifax but no account for Experian ) XXXX XXXX XXXX ( XXXX ) ( Open in Transunion, Closed in Equifax and Experian ) XXXX XXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) Deptednelnet ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) XXXX XXXX XXXX ( XXXX ) ( Closed in Transunion, Equifax, and Experian ) XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax ) XXXX, XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) Any closed account and that is inaccurate must be immediately deleted at investigating.","date_sent_to_company":"2025-08-19T19:49:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15390532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-19T18:38:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em> but no account for <em>Experian</em> ) XXXX XXXX XXXX ( XXXX ) ( Open in <em>Transunion</em>, Closed in <em>Equifax</em> and <em>Experian</em> ) XXXX XXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em>, Closed in <em>Experian</em> ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em>, Closed in <em>Experian</em> ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in <em>Transunion</em> and <em>Equifax</em>, no account in <em>Experian</em> ) Deptednelnet ( XXXX ) ( Closed in <em>Transunion</em> and <em>Equifax</em>, no account in <em>Experian</em> ) XXXX"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."]},"sort":[17.810513,"15390532"]},{"_index":"complaint-public-v1","_id":"15374297","_score":17.810513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX : XX/XX/XXXX XXXX, GA XXXX XXXX XXXX, XXXX Subject : Dispute of Inaccurate Information Under the FCRA I am formally disputing the following account on my credit report, which i believe is inaccurate and should be removed. \n\nUnder the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ] You are required to verify the accuracy of these item. If you can not fully verify it within XXXX days, it must be deleted. \n\nXXXX XXXXXXXX XXXX ( XXXX ) ( Open in Transunion and Equifax but no account for Experian ) XXXX XXXX XXXX ( XXXX ) ( Open in Transunion, Closed in Equifax and Experian ) XXXX XXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) Deptednelnet ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) XXXX XXXX XXXX ( XXXX ) ( Closed in Transunion, Equifax, and Experian ) XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax ) XXXX, XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) Any closed account and that is inaccurate must be immediately deleted at investigating.","date_sent_to_company":"2025-08-19T19:49:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15374297","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-19T19:49:26.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em> but no account for <em>Experian</em> ) XXXX XXXX XXXX ( XXXX ) ( Open in <em>Transunion</em>, Closed in <em>Equifax</em> and <em>Experian</em> ) XXXX XXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em>, Closed in <em>Experian</em> ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em>, Closed in <em>Experian</em> ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in <em>Transunion</em> and <em>Equifax</em>, no account in <em>Experian</em> ) Deptednelnet ( XXXX ) ( Closed in <em>Transunion</em> and <em>Equifax</em>, no account in <em>Experian</em> ) XXXX"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.810513,"15374297"]},{"_index":"complaint-public-v1","_id":"15374296","_score":17.810513,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX : XX/XX/XXXX XXXX, GA XXXX XXXX XXXX, XXXX Subject : Dispute of Inaccurate Information Under the FCRA I am formally disputing the following account on my credit report, which i believe is inaccurate and should be removed. \n\nUnder the Fair Credit Reporting Act ( FCRA ) Section 611 [ 15 U.S.C. 1681i ] You are required to verify the accuracy of these item. If you can not fully verify it within XXXX days, it must be deleted. \n\nXXXX XXXXXXXX XXXX ( XXXX ) ( Open in Transunion and Equifax but no account for Experian ) XXXX XXXX XXXX ( XXXX ) ( Open in Transunion, Closed in Equifax and Experian ) XXXX XXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in Transunion and Equifax, Closed in Experian ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) Deptednelnet ( XXXX ) ( Closed in Transunion and Equifax, no account in Experian ) XXXX XXXX XXXX ( XXXX ) ( Closed in Transunion, Equifax, and Experian ) XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax ) XXXX, XXXX ( XXXX ) ( No Account for Transunion and Experian, Open in Equifax XXXX XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) XXXX XXXX XXXX ( XXXX ) ( No Account for Transunion and Equifax, Closed in Experian ) Any closed account and that is inaccurate must be immediately deleted at investigating.","date_sent_to_company":"2025-08-19T19:49:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15374296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-19T19:49:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em> but no account for <em>Experian</em> ) XXXX XXXX XXXX ( XXXX ) ( Open in <em>Transunion</em>, Closed in <em>Equifax</em> and <em>Experian</em> ) XXXX XXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em>, Closed in <em>Experian</em> ) XXXX XXXX XXXXXXXX ( XXXX ) ( Open in <em>Transunion</em> and <em>Equifax</em>, Closed in <em>Experian</em> ) XXXX XXXXXXXX XXXX ( XXXX ) ( Closed in <em>Transunion</em> and <em>Equifax</em>, no account in <em>Experian</em> ) Deptednelnet ( XXXX ) ( Closed in <em>Transunion</em> and <em>Equifax</em>, no account in <em>Experian</em> ) XXXX"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.810513,"15374296"]},{"_index":"complaint-public-v1","_id":"12463803","_score":17.687572,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion, Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions. Transunion, Equifax and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion, Equifax and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion, Equifax and Experian complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-03-14T03:00:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55106","tags":null,"has_narrative":true,"complaint_id":"12463803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-14T03:00:35.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Transunion</em>, <em>Equifax</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions. <em>Transunion</em>, <em>Equifax</em> and <em>Experian</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.687572,"12463803"]},{"_index":"complaint-public-v1","_id":"12463804","_score":17.652786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion, Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions. Transunion, Equifax and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion, Equifax and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion, Equifax and Experian complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-03-14T03:00:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55106","tags":null,"has_narrative":true,"complaint_id":"12463804","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-14T03:00:35.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Transunion</em>, <em>Equifax</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions. <em>Transunion</em>, <em>Equifax</em> and <em>Experian</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.652786,"12463804"]},{"_index":"complaint-public-v1","_id":"12464672","_score":17.649946,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion, Equifax and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions. Transunion, Equifax and Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion, Equifax and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion, Equifax and Experian complies with federal law and provides consumers with the necessary proof of investigation.","date_sent_to_company":"2025-03-14T03:01:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55106","tags":null,"has_narrative":true,"complaint_id":"12464672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-14T02:23:28.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Transunion</em>, <em>Equifax</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report.\n\nDespite my submissions. <em>Transunion</em>, <em>Equifax</em> and <em>Experian</em> consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.649946,"12464672"]},{"_index":"complaint-public-v1","_id":"12053444","_score":17.649946,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Transunion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Transunion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Transunion and Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion and Experian complies with federal law and provides consumers with the necessary proof of investigation,","date_sent_to_company":"2025-02-11T16:26:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"12053444","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-11T16:25:52.000Z","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":["I am filing a complaint against <em>Equifax</em>, <em>Transunion</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>Transunion</em> and <em>Experian</em> consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em> This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.649946,"12053444"]},{"_index":"complaint-public-v1","_id":"12042554","_score":17.649946,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Transunion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Transunion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Transunion and Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion and Experian complies with federal law and provides consumers with the necessary proof of investigation,","date_sent_to_company":"2025-02-11T16:26:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"12042554","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-11T16:02:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against <em>Equifax</em>, <em>Transunion</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>Transunion</em> and <em>Experian</em> consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em> This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.649946,"12042554"]},{"_index":"complaint-public-v1","_id":"12031013","_score":17.649946,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax, Transunion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Transunion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Transunion and Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Transunion and Experian complies with federal law and provides consumers with the necessary proof of investigation,","date_sent_to_company":"2025-02-11T16:26:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"12031013","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T16:25:52.000Z","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":["I am filing a complaint against <em>Equifax</em>, <em>Transunion</em> and <em>Experian</em> for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. Despite my submissions, <em>Equifax</em>, <em>Transunion</em> and <em>Experian</em> consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em> This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable <em>investigation</em> of disputes."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.649946,"12031013"]},{"_index":"complaint-public-v1","_id":"13804478","_score":17.618757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint because my credit reports from TransUnion, Experian, and Equifax show inconsistent, inaccurate, and conflicting information for the above account. Despite these discrepancies, the bureaus have continued to report the account as derogatory/charged-off, harming my credit profile. \n\nDetails of Discrepancies : Date Opened : TransUnion lists XX/XX/XXXX ; Experian and Equifax list XX/XX/XXXX High Credit : TransUnion shows {$2800.00} ; Experian shows {$0.00} ; Equifax shows {$1100.00} XXXX XXXX : TransUnion and Experian show {$2000.00} ; Equifax shows {$0.00} Date Last Active : TransUnion XX/XX/XXXX ; Experian XX/XX/XXXX ; Equifax XX/XX/XXXX Date of Last Payment : TransUnion & Experian XX/XX/XXXX ; Equifax XX/XX/XXXX Comments : TransUnion marks as charged off, profit & loss write-off ; Experian says unpaid balance reported as loss ; Equifax lists consumer disputes, reinvestigation in progress These conflicting details violate the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report.\n\nI have filed formal disputes with each bureau under FCRA Sections 609 and 611, demanding deletion or correction of unverifiable or inaccurate data. \n\nWhat I Want : I request that the CFPB investigate this matter and ensure that the credit bureaus : Conduct a proper investigation of my dispute Provide verification and documentation for the reported data Delete or correct any unverifiable or inaccurate information","date_sent_to_company":"2025-05-30T17:34:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60615","tags":null,"has_narrative":true,"complaint_id":"13804478","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-30T17:34:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Details of Discrepancies : Date Opened : <em>TransUnion</em> lists XX/XX/XXXX ; <em>Experian</em> and <em>Equifax</em> list XX/XX/XXXX High Credit : <em>TransUnion</em> shows {$2800.00} ; <em>Experian</em> shows {$0.00} ; <em>Equifax</em> shows {$1100.00} XXXX XXXX : <em>TransUnion</em> and <em>Experian</em> show {$2000.00} ; <em>Equifax</em> shows {$0.00} Date Last Active : <em>TransUnion</em> XX/XX/XXXX ; <em>Experian</em> XX/XX/XXXX ; <em>Equifax</em> XX/XX/XXXX Date of Last Payment : <em>TransUnion</em> & <em>Experian</em> XX/XX/XXXX ; <em>Equifax</em> XX/XX/XXXX Comments : <em>TransUnion</em> marks as charged off, profit & loss write-off"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[17.618757,"13804478"]},{"_index":"complaint-public-v1","_id":"12216394","_score":17.5857,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is against TransUnion, and XXXX and XXXX. Enclosed is proof that the account XXXX XXXX was never investigated by TransUnion, Experian nor Equifax.I requested that TransUnion, Experian and Equifax investigate this account. I believed the account was not reporting accurate. Enclosed is proof that this account is reporting illegally the information is incorrect. 15 U.S.C 1681e subsection B states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum Possible Accuracy. Well this account is reporting different information to TransUnion, Experian and Equifax. Despite my submissions TransUnion consistently responds that the account is reporting accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore TransUnion, Experian and Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File No.2025-CFPB-0002 ). The problem account is XXXX XXXX. I have enclosed evidence in support of. Remove the late payments.","date_sent_to_company":"2025-02-25T13:23:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53223","tags":null,"has_narrative":true,"complaint_id":"12216394","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-25T12:49:16.000Z","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":["This complaint is against <em>TransUnion</em>, and XXXX and XXXX. Enclosed is proof that the account XXXX XXXX was never <em>investigated</em> by <em>TransUnion</em>, <em>Experian</em> nor <em>Equifax</em>.I requested that <em>TransUnion</em>, <em>Experian</em> and <em>Equifax</em> <em>investigate</em> this account. I believed the account was not reporting accurate."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>TRANSUNION</em> INTERMEDIATE HOLDINGS, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.5857,"12216394"]},{"_index":"complaint-public-v1","_id":"12216380","_score":17.5857,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is against TransUnion, and XXXX and XXXX. Enclosed is proof that the account XXXX XXXX was never investigated by TransUnion, Experian nor Equifax.I requested that TransUnion, Experian and Equifax investigate this account. I believed the account was not reporting accurate. Enclosed is proof that this account is reporting illegally the information is incorrect. 15 U.S.C 1681e subsection B states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum Possible Accuracy. Well this account is reporting different information to TransUnion, Experian and Equifax. Despite my submissions TransUnion consistently responds that the account is reporting accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore TransUnion, Experian and Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File No.2025-CFPB-0002 ). The problem account is XXXX XXXX. I have enclosed evidence in support of. Remove the late payments.","date_sent_to_company":"2025-02-25T13:23:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53223","tags":null,"has_narrative":true,"complaint_id":"12216380","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-25T13:22:33.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This complaint is against <em>TransUnion</em>, and XXXX and XXXX. Enclosed is proof that the account XXXX XXXX was never <em>investigated</em> by <em>TransUnion</em>, <em>Experian</em> nor <em>Equifax</em>.I requested that <em>TransUnion</em>, <em>Experian</em> and <em>Equifax</em> <em>investigate</em> this account. I believed the account was not reporting accurate."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.5857,"12216380"]},{"_index":"complaint-public-v1","_id":"11924404","_score":17.574713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/2024. I, XXXX XXXX filed a complaint due to misinformation on my credit report. Experian, Equifax, and Transunion failed to properly investigate my disputes regarding inaccuracies in my credit report. Experian Equifax, and Transunion conducted sham investigations, using inadequate procedures that led to the inclusion of incorrect information on my credit report. This misinformation adversely affected access to credit, employment, and housing opportunities for me. Experian, Equifax, and Transunion violated Fair Credit Reporting Act ( FCRA ) by reinserting previously removed inaccurate information into my credit reports without proper notification.","date_sent_to_company":"2025-02-04T22:52:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"11924404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-04T22:15:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Experian</em>, <em>Equifax</em>, and <em>Transunion</em> failed to properly <em>investigate</em> my disputes regarding inaccuracies in my credit report. <em>Experian</em> <em>Equifax</em>, and <em>Transunion</em> conducted sham <em>investigations</em>, using inadequate procedures that led to the inclusion of incorrect information on my credit report. This misinformation adversely affected access to credit, employment, and housing opportunities for me."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.574713,"11924404"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":22265,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":22265}]}},"product":{"doc_count":22265,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":21687,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":21679},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Debt collection","doc_count":298,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":172},{"key":"Credit card debt","doc_count":46},{"key":"Other 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