{"took":328,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":39,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18303833","_score":27.49323,"_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":["<em>XXXX</em> reporting <em>Problem</em> with a company 's <em>investigation</em> into <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>EQUIFAX</em> XX/XX/<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>responded</em> <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> <em>EQUIFAX</em> XX/XX/<em>XXXX</em> <em>XXXX</em> Company <em>responded</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> reporting <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>Equifax</em> Credit Bureau XX/XX/<em>XXXX</em> <em>XXXX</em> Company <em>responded</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> reporting <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>Equifax</em> Information"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[27.49323,"18303833"]},{"_index":"complaint-public-v1","_id":"3713384","_score":25.27817,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. \n\nXXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. \n\nEquifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. \n\nI never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. \n\nI sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. \n\nI cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. \n\nPlease look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. \n\nI,","date_sent_to_company":"2020-06-24T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3713384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-24T14:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>EQUIFAX</em> , INC."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[25.27817,"3713384"]},{"_index":"complaint-public-v1","_id":"9384794","_score":21.973581,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including XXXX, XXXX, and Equifax. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). \nAs stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nFurthermore, I have received confirmation from the XXXX XXXX, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the XXXX information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX Consumer Center immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.","date_sent_to_company":"2024-06-29T21:33:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9384794","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-29T21:32:58.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint <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> <em>XXXX</em> XX/XX/year>, Closed, Company <em>responded</em>. \nCFPB Complaint <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> <em>XXXX</em> XX/XX/year>, Closed, Company <em>responded</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.973581,"9384794"]},{"_index":"complaint-public-v1","_id":"4717134","_score":21.254011,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax consistently keeps lying about an investigation into an existing issue. \n\nBasically I sent a letter to Equifax on XX/XX/XXXX, they received it XX/XX/XXXX at XXXX, about the Department of veterans affairs account. Equifax responded 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to Equifax on XX/XX/XXXX in which they received it on XX/XX/XXXX at XXXX. They responded 30days later with more derogatory information where they changed the previous balance to a new balance of XXXX}. \n\nShocked that they came to this conclusion, I the consumer wanted to see their method of verification. The problem with their method is, they didn't verify it accurately, that number was made up out of no where. \n\nI sent a third letter, demanding that fix the error because if you did in fact verify through the Department of veterans affairs, that balance would have been reporting accurately as XXXX}. \n\nI received this information from the Department of Veterans affairs themselves where they told me to take it up with the credit reporting agency. \n\nBasically Equifax lied the whole time about how they Investigated and that is not ethical.","date_sent_to_company":"2021-09-13T22:43:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60099","tags":"Servicemember","has_narrative":true,"complaint_id":"4717134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-13T22:15:05.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> consistently keeps lying about an <em>investigation</em> into an <em>existing</em> issue. \n\nBasically I sent a letter to <em>Equifax</em> on XX/XX/<em>XXXX</em>, they received it XX/XX/<em>XXXX</em> at <em>XXXX</em>, about the Department of veterans affairs account. <em>Equifax</em> <em>responded</em> 30 days later with updated and that's it. I asked for this info because there was a lot of inconsistencies between the three bureaus. \n\nI then sent another letter to <em>Equifax</em> on XX/XX/<em>XXXX</em> in which they received it on XX/XX/<em>XXXX</em> at <em>XXXX</em>."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.254011,"4717134"]},{"_index":"complaint-public-v1","_id":"4621746","_score":20.401657,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX  from XXXX, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX  range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX  rate. Now there are 117 reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Open Company XXXX is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX  XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX  XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX  XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX  XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-08-11T17:32:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["an <em>existing</em> <em>problem</em> <em>XXXX</em>  <em>XX/XX</em>/2021 Closed Feedback provided <em>XXXX</em> Credit reporting Incorrect information on your report <em>EQUIFAX</em> <em>XX/XX</em>/2021 Closed Company <em>responded</em> <em>XXXX</em> Credit reporting Incorrect information on your report <em>XXXX</em>  <em>XX/XX</em>/2021 Closed Feedback provided <em>XXXX</em> Credit reporting Incorrect information on your report <em>XXXX</em>  <em>XX/XX</em>/2021 Closed Company <em>responded</em> <em>XXXX</em> Credit reporting Incorrect information on your report <em>EQUIFAX</em> <em>XX/XX</em>/2021 Closed Company <em>responded</em> <em>XXXX</em> Credit reporting Incorrect"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.401657,"4621746"]},{"_index":"complaint-public-v1","_id":"6966521","_score":20.394243,"_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> <em>Equifax</em> 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 <em>RESPONDING</em>."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[20.394243,"6966521"]},{"_index":"complaint-public-v1","_id":"2757066","_score":18.622921,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXXXXXX17 I requested a mortgage re-fin quote but the creditor could not respond as they could not get a copy of my credit report as it had a \" security freeze '' on it. I have never requested a security freeze on my account. I have had this problem for at least the last five years. I spend days/weeks attempting to get the matter resolved to no avail. Equifax has me make written requests to remove the \" security freeze '' and then I 'm told weeks later I never had a security freeze. However the next time a creditor contacts Equifax it is the same problem. \n\nThis time I attempted to contact Equifax on its website and by phone. The website advised I could not access it and had to write. Their automated phone system state the same thing Instructions say I need a pin or unique personal identification number assigned by Equifax which I do n't have and never received ; why would I if I never had a security freeze. \n\nI have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a Security Freeze. In the past, Equifax 's phone rep confuses \" fraud alerts '' and \" security freeze :. They provide wrong information, lie to me and to creditors. Most of the problems and lies are verbal. I do have a letter dated XXXX17 confirming that extended fraud alerts where placed on my account at my request. \n\nFrom XXXX to XXXX, XXXX I tried to change from cable to XXXX XXXX. Again there was major problems about \" security freezes '' and releasing inform. Finally, the non-existing security freeze was lifted ; and then XXXX XXXX wanted a deposit on the basis that I \" had a security freeze ''. Equifax representative let it slip that a security freeze was a \" negative '' indicator placed by a creditor or Equifax. But I have no evidence and attempted, unsuccessfully, to find an government agency to investigate. I always order copies of my credit report and there is nothing negative on them and no mention of \" security freeze '' I gave up on XXXX XXXX. I have TOLD MY STORY on this website before today 's problem. \n\nThen today I find the same problem. After not being able to make contact by website or phone. I wrote a letter to Equifax requesting they permanent lift all security freezes. I have to mail it on Monday XXXX-17 as it must go via certified. XXXX do n't know why I should have to go to the expense of certified mail for Equifax 's error. However I fear that they will not respond promptly as I do n't have a PIN or unique id number or some other service error on Equifax 's part. It is so discerning that Equifax can continually violate the FCRA and receive no consequences.","date_sent_to_company":"2017-12-23T00:06:49.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"982XX","tags":null,"has_narrative":true,"complaint_id":"2757066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-16T21:54:04.000Z","state":"WA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Finally, the non-<em>existing</em> security freeze was lifted ; and then <em>XXXX</em> <em>XXXX</em> wanted a deposit on the basis that I \" had a security freeze ''. <em>Equifax</em> representative let it slip that a security freeze was a \" negative '' indicator placed by a creditor or <em>Equifax</em>. But I have no evidence and attempted, unsuccessfully, to find an government agency to <em>investigate</em>."],"issue":["<em>Problem</em> with fraud alerts or security freezes"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.622921,"2757066"]},{"_index":"complaint-public-v1","_id":"10503640","_score":16.463112,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Open Sent to company XXXX XXXX XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXX XX/XX/XXXX Open Sent to company XXXXXXXX XXXX XXXX XXXXXXXX reporting Incorrect information on your reporXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Open Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed Company responde To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOU HAVE CONTINUED TO IGNORE EACH DISPUTE AND CLAIM I HAVE BEEN USING A CREDIT REPAIR COMPANY.","date_sent_to_company":"2024-10-18T15:48:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"334XX","tags":"Servicemember","has_narrative":true,"complaint_id":"10503640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-10-18T15:37:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/<em>XXXX</em> Open Sent to company <em>XXXX</em> <em>XXXX</em> <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> <em>XXXX</em> XX/XX/<em>XXXX</em> Open Sent to company XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX reporting Incorrect information on your repor<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[16.463112,"10503640"]},{"_index":"complaint-public-v1","_id":"4015780","_score":16.462713,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has stated that the public record remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. Equifax responded to CFPB complaint dated XX/XX/2020 on XX/XX/2020 that the investigation results should fix the existing problem of my bankruptcy being reported. How is this item verified? Provide me with Equifaxs method of verification by providing the original petition with my signature from the original furnisher of this information. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Equifax has not provided. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Equifax reports contact information for creditor : US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : ( XXXX ) XXXX. XXXX  reports : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX. XXXX  reports : US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX No phone number available. How is this public record reporting accurate with three different addresses and three different court names.? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not. I have attached a letter from U.S. Bankruptcy court that states that they do not furnish, report, verify, or provide information to the CRA 's dated XX/XX/2020. I have provided copy of reports from Equifax, XXXX, and XXXX. I have provided copy of XXXX consumer reports dated XX/XX/2020 and XX/XX/2020 to show that there is no public record of a bankruptcy reporting from the third party XXXX in which you provided to consumer in who you verified public record from.","date_sent_to_company":"2020-12-16T18:00:57.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30269","tags":null,"has_narrative":true,"complaint_id":"4015780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-12-16T16:54:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Equifax</em> has stated that the public record remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of <em>XX/XX</em>/2020. <em>Equifax</em> <em>responded</em> to CFPB complaint dated <em>XX/XX</em>/2020 on <em>XX/XX</em>/2020 that the <em>investigation</em> results should fix the <em>existing</em> <em>problem</em> of my bankruptcy being reported. How is this item verified?"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.462713,"4015780"]},{"_index":"complaint-public-v1","_id":"8074592","_score":16.390009,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/ to XXXX, XXXX and Equifax. Here are my certified mail return receipt tracking numbers. [ Equifax XXXX ], [ XXXX XXXX ], [ XXXX ] and I have attached a XXXX with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX Equifax- XXXX XXXX XXXX XXXX XXXX - Equifax- XXXX XXXX XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own <em>investigation</em>."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.390009,"8074592"]},{"_index":"complaint-public-v1","_id":"2819188","_score":16.280254,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is regarding the following as well. 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 Re : No Response from Credit Bureaus regarding Unauthorized Credit Inquiry Request Escalation of l Hard Inquiry Removal.\n\nDear Consumer Financial Protection Bureau I am in receipt of NO correspondence made by XXXX XXXX, and Equifax.\n\nIn the correspondence, I advised all three Bureaus to verify the accuracy of the inquiry but yet the Inquiry is currently reporting with no response from the bureaus and no verified information from them. Additionally, on XX/XX/17 I wrote all three bureaus regarding the Fraudulent Inquiry. On XX/XX/2017 the certified mail receipt was stamp by our UPS postal service. I received confirmation of the return signature that Equifax and XXXX. \nFurthermore XXXX, Equifax, and XXXX  did not respond within the thirty days allowed by the FCRA not provided any evidence the back any of the allegations as advised on XX/XX/2017. Several laws has been broken and pointed out since then. \nFinally, XXXX didnt bother to respond to my certified mailing and all fail to respond by law. All Bureaus failed to respond or provide any physical proof that I indeed made the alleged inquiry.\n\n1.I filed the dispute of this particular Inquiry that you are reporting under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this inquiry record.\n\n2. I contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting. II contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition I sent a formal written validation demand to the Creditor for the Inquiry that you are reporting.\n\n3. You must have adequate records to substantiate the debt, if not it is UNVERIFIEABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. And you have choose not to, I will have no choice but commence the unpleasantness of a Section 1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines 4. I have LEGALLY exercised my rights by disputing the validity of this Inquiry. I have in writing and attempted to confirm the accuracy of the information reported to your firm ; and during this process the acts by omission by all three bureaus prove substantially that the inquiry as reported is invalid. By ignoring my legal validation demand Equifax, XXXX, and XXXX is in direct violation of the FDCPA. Since Equifax, XXXX and XXXX has knowingly violated both federal and state law and I can document this violation, I am demanding that they CEASE all reporting activities. Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.\n\n5. I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the Bureaus, and they failed to provide any validation information required by FCRA. I have followed the letters of the law yet Equifax, XXXX, and XXXX  have ignored and refused to address my legitimate problemcan you help? \nIn conclusion it is my position that Equifax, XXXX, and XXXX claims are entirely without merit. \nSincerely.","date_sent_to_company":"2018-02-20T09:20:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"2819188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-02-20T03:54:16.000Z","state":"AL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. Improper use of your report ( shared without consent, credit inquiries from unknown sources Re : No Response from Credit Bureaus regarding Unauthorized Credit Inquiry Request Escalation of l Hard Inquiry Removal."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[16.280254,"2819188"]},{"_index":"complaint-public-v1","_id":"10972995","_score":14.378798,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As a victim of identity theft, I would like to submit additional supporting documentation to the XXXX credit bureaus for an existing credit card fraud dispute and to respond to statements made by XXXX XXXX XXXX XXXX in a previous investigation. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft : XXXX XXXXXXXX XXXX XXXX  XXXX fraudulent consumption and late payment Account Number : XXXX In XXXX XXXX XXXXXXXX XXXX XXXX to the CFPB complaint, the bank asserted that the customer was responsible for the account and had notified the customer via e-mail of the bank statement and the reason for the account 's closure and that the customer was still in possession of the merchandise. The statement has the following problems : 1. I never authorized the opening of the account and the transactions, nor did I receive any of the goods or services in the transactions referred to by the bank, and the customer referred to by the bank is, in fact, a fraudster who stole my identity. This shows that the bank consistently failed to realize the real problem because they consistently dealt with a fraudster. \n\nXXXX XXXX XXXX XXXX XXXXXXXX never explained why the account was opened when my credit report was in a freeze and none of the credit bureaus had a hard inquiry history. \n\nI have contacted XXXX and submitted additional support documentation using experian.com/upload, which involves a Report Number of XXXX, but I am unable to get a confirmation of the submission on my account home page. \n\nFor Equifax, I noticed XXXX Confirmation numbers : XXXX, as of XXXX XXXX, both show as completed. \n\nFor XXXX, I have not looked up any disputed records in the account, but the account and Late payment records currently involved have been removed from the credit report. CFPB complaint ID : XXXX. \n\nEnclosed are the following Supporting Documents : A copy of the Police Report. \nA copy of my identity document ( a bank statement with a physical residence address is commonly used as proof of identity because the address on the driver 's license is no longer valid ). \nA copy of the FTC Identity Theft Report. \nA copy of the Identity Theft letter. \n\nThe credit bureau should exercise independent judgment and not rely solely on information provided by the bank. The additional supporting documentation is sufficient to demonstrate the facts.","date_sent_to_company":"2024-11-29T05:42:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"10972995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-29T04:27:09.000Z","state":"AZ","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["As a victim of identity theft, I would like to submit additional supporting documentation to the <em>XXXX</em> credit bureaus for an <em>existing</em> credit card fraud dispute and to <em>respond</em> to statements made by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> in a previous <em>investigation</em>. \n\nThe information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[14.378798,"10972995"]},{"_index":"complaint-public-v1","_id":"6110195","_score":13.586037,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"SUPPLEMENTAL COMPLAINT TO COMPLIANT NO. XXXX Print complaint OPEN - XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with a credit reporting company 's investigation into an existing problem We received your complaint. Thank you.\n\nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT BACKGROUND : I sent in DISPUTE letters to the credit reporting agencies on XX/XX/2022, and a DEMAND TO COMPLY LETTER ( certified ) on the XXXX of XX/XX/2022. It is now XX/XX/2022 AND they have not complied with their own policies in a timely manner. \n\n\nXXXX, XXXX the XXXX, has 30 days to conduct an investigation from the date a dispute was filed by the consumer. As stated in the background, they were given thirty ( 30 ) days to comply with the XXXX law, which gives them time to gather their findings and report the facts of their investigation and take measures to fix any errors found by making amendments ( remove, change information, or information was verified and kept on the credit file. \n\nCFPB STATUS UPDATES : The CFPB reached out to XXXX to 1 ) inform them of the complaint, 2 ) Advised them of the of the 30 day XXXX XXXX to complete a dispute and punish its result to the consumer. XXXX responded on XX/XX/2022 stating they will have a final result for me within 60 days if the \" complaint ' being filed. This must be a clause that gives them an extension from the original 30 days, IF a CFPB complain it filed, which if it is written in such manner then we will continue through the process. \n\nXXXX responded and XXXX wrote an explanation that the company is still working on the complaint then added a status update underneath the above status update stating the company has within 60 days to provide a final response. [ INITIAL RESPONSE SENT TO COMPANY XX/XX/2022 ] MAIN COMPLAINT : THE CFPB was established to govern the credit bureau. The FCRA, established law is to be used any the CFPB for oversight of the Credit Bureaus and making sure they are staying in compliance with consumer disputes, properly investigating disputes for accuracy, inaccuracies, made by either the creditor in their reporting or the credit agency in populating the prior data on the consumer reports, which if not done right can potentially ruin someones life by the was of their \" credit worthiness ' if not accurate. \n\nIn conclusion, XXXX and Equifax has violated the FCRA, which is low that was made by XXXX to protect the consumer. This issue in front of us : XXXX ) COMPLIANT NO. XXXX and this supplemental should more than explain how XXXX has XXXX the law the is meant to protect us from erroneous, inaccurate, unduly information on our credit files, which will surely hurt us in home purchasing, vehicle purchasing, stating a business, etc. SHOWCASING a false or inaccurate representation of the individual personal, including myself, a Minority/Woman Owned Small Business. THE UNVERIFIABLE INFORMATION THAT HAS TAKEN LONER THAN 90 DAYS + WHICH INCLUDE MY INITIAL DISPUTE TO THE COMPANY30 DAYS, THE 30 DAYS FOR THEM TO RETURN RESULTS TO THE CFPB COMPLAINT, WHICH AN ADDITIONAL 30 DAYS WAS GIVEN IS CLEAR VIOLATION ( S ) OF WHAT THE FCRA WAS MEANT TO PROTECT AND WHAT THE CFPB WAS TASKED TO PROVIDE OVERSIGHT.,","date_sent_to_company":"2022-10-20T21:02:14.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78130","tags":null,"has_narrative":true,"complaint_id":"6110195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-20T21:02:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>XXXX</em> Print complaint OPEN - <em>XXXX</em> Submitted STATUS Submitted to the CFPB on <em>XX/XX</em>/2022 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you.\n\nWe will review your complaint."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.586037,"6110195"]},{"_index":"complaint-public-v1","_id":"3142429","_score":13.473837,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Problem with a credit reporting company 's investigation into an existing problem Originally my issue was : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request VALIDATION of the debt the consumer claims that that I owe you. Ive requested proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. It was NOT a request for verification or proof of my mailing address, but a request for VALIDATION ( as shown in my letter dated XXXX XX/XX/XXXX XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that the consumers offices provide me with competent evidence that I have any legal obligation to pay them. Attached you will find documentation of this consumer : Falsely giving random numbers of debt Falsely creating fraudulent invoices The original invoice does not contain my name or information at all Not being able to provide me with a copy of any viable evidence, contracts bearing my signature and additional proof that I agreed to this accounts creation. Till now, They have continue to report invalidated information two major credit bureaus ( Equifax ), this action constitute fraud under both federal and state  laws. Due to this, negative mark was found and continued to report on my credit reports by XXXX XXXX XXXX and have established a Violation of the Fair Debt Collection Practices Act and Defamation of Character. The bureaus have not been able to elaborate on the method of validation. Ive only received 3 out of 8 times that it was VERIFIED. There has been 5 out of 8 times where I have not received a response at all. This account obviously can not be VALIDATED and I want this account REMOVED from my credit report. Their response was : Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB XXXX XXXX. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Equifax. In your complaint, you indicated that you have requested proof that an account belongs to you but have not received any evidence. You would like the account removed from your credit report. Our research indicates that you contacted us previously to request a reinvestigation regarding the disputed item. We had previously placed the item under reinvestigation per your request, on XX/XX/XXXX. The data furnisher responded and verified that the disputed information was accurate as reported. The results summary was sent to you for review on XX/XX/XXXX. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Equifax for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The XXXX XXXX XXXX XXXX, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Equifax. THE PROBLEM : I have provide evidence that : this consumer could not provide this unverifiable debt belongs to me. this consumer has increase this unknown debt upon the first dispute on the account. this consumer sent invoices showing random numbers with the first invoice, not even showing my name. Equifax only updated an amount that the consumer reported without a thorough investigation. I know it wasn't thorough because I've provided proof that this company has been reporting false amounts and payments when I'VE NEVER HAD ANY ACKNOWLEDGMENT of this account. Equifax has not provided me information on how they've talked to within this company, what documentation they have on file that shows my original signature, I'M POSITIVE they can not show any transactions to support these false amount. This account SHOULD NOT be on my report and has exhibit a defamation of character. I WANT THIS ACCOUNT REMOVED.","date_sent_to_company":"2019-02-04T22:20:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78233","tags":"Servicemember","has_narrative":true,"complaint_id":"3142429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-02-04T22:14:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Originally my issue was : Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request VALIDATION of the debt the consumer claims that that I owe you. Ive requested proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[13.473837,"3142429"]},{"_index":"complaint-public-v1","_id":"3425888","_score":11.790464,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After the XXXX Equifax data breach, it was recommended by several websites and financial institutions to freeze all 3 credit bureau files to protect against identity theft and credit mis-use. I requested to all 3 bureaus that my files be frozen and created security PIN 's etc. to be used when requesting temporary or extended/permanent un-freezes for legitimate inquiries. This seemed to work well for some time ( 1 year approximately ) however, after 2 different situations recently when attempting to legitimately allow companies to access my reports/files I ran into issues with Equifax. \n\nWhen attempting to obtain a home loan ( XX/XX/XXXX ), I went online to XXXX 's freeze website and was able to easily use my PIN to unlock my report for a temporary inquiry, I did the same for XXXX with ease, however, when I attempted to temporarily lift the freeze with Equifax I ran into several issues. First, the website that I previously used to unlock/unfreeze the file was changed to a dedicated site, I attempted several times to both login with existing credentials used for the previous equifax site ( which still work on that site ), then I attempted to register a new account without success and after several help requests via email went unanswered, I called via phone to unlock the report. \n\nThis is where things got even worse. The customer service agents that answered the call were clearly from a foreign call center and of the 4-5 agents I interacted with, it was almost impossible to understand or communicate clearly with any of them. I am myself a bi-lingual person and understand the nuances and complexities of trying to speak in different non-native tongues and can appreciate these agents efforts, however, their particular capabilities were not even on par with basic English communicators. The questions being asked to verify my identity were completely confusing and vague at best. I was asked open ended questions such as \" did you have a merchant account, credit account, or bank loan '' full stop, when I answered I've had dozens and started naming some, the first 3 - 4 agents were not satisfied with the answers and denied me the ability to unlock my report. Only after almost 2 hours of repeated calls did I reach an agent that was finally satisfied with my answers and unlocked the report. As anyone can imagine, this was completely infuriating. I then learned that the only alternative to unlocking online was to speak to representatives at this call center and endure a similar process every time or mail a physical letter and wait several business days for the action to be performed. \n\nSince I had such a difficult situation with their phone option ( on two different occasions ), I started reaching out to their online customer service contacts for help correct whatever issue was happening with my online profile that would allow me to unlock/unfreeze the reports myself via their website. I submitted a help request on their website on approximately XX/XX/XXXX-XX/XX/XXXX ( don't have a date because it was an online form and only have an estimate due to the time I was having the difficulties and compared to the date when I received teh response. When I submitted that help request I detailed my issues and received the following response on XX/XX/XXXX : On Thu, XX/XX/XXXX at XXXX XXXX Customer.care@equifax.com <customer.care@equifax.com> wrote : Dear XXXXXXXXXXXXXX,  We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. \n\nUpon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. \n\nThere are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone : Mail this form to place a security freeze : https : //assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf Mail this form to place a fraud alert : https : //assets.equifax.com/assets/personal/Fraud_Alert_Request_Form.pdf Call Consumer Care team by phone at XXXX between XXXX XXXX  XXXX XXXX, 7 days per week. \n\n\nWe sincerely apologize for any inconvenience this issue may have caused. \n\nThank you for contacting Equifax, XXXX Equifax Consumer Care Team ref : XXXX : ref I was amazed that they seemingly ignored any attempts to resolve the issue with my online access and relegated me to the two other very slow and totally dysfunctional options. I replied with the following email : XX/XX/XXXX, XXXX XXXX to Customer.care@equifax.com That is absolutely an unacceptable answer. Your company was at fault for the 145 million person data breach that has forced consumers to take identity protection into their own hands. The government has mandated that the bureaus provide a mechanism that is easy to use that allows for people to freeze and unfreeze their credit and protect their information. Your phone system is not easy to use, it is time consuming and it is prone to errors and repeated failures both with the automated portion as well as with a live representative of which your company chooses to use outsourced companies for that are based overseas with nearly impossible accents to understand. \n\nI demand that someone reevaluate my account and correct the problems that prevent me from using the online portion. I have no problems accessing XXXX or XXXX 's online freeze/unfreeze services and incidentally, I have no problem accessing Equifax 's main website through my normal login. \n\nI expect that someone contact me directly to resolve this issue as it has caused an undue burden on myself and my family. \n\nXXXXXX ( contact info ) XXXXXX They then responded with the following : Customer.care@equifax.com via XXXX Tue, XX/XX/XXXX, XXXX XXXX to me Dear XXXXXXXX, We received your research request from the Customer Care team and thank you for allowing us the opportunity to assist you. Your concern regarding online access has been reviewed. \n\nThe online registration process was designed with security and data integrity in mind. Multiple system requirements must be fulfilled to allow successful online data transfer. Though internet service is not currently an option, Equifax offers alternative options via telephone and US Mail to process your request. \n\nYour escalated matter is still being reviewed to aid in future Customer Service management and Technology endeavors. Your provided details will be collectively used in Equifaxs ongoing efforts to better serve and support the credit community. \n\nEquifax sincerely appreciates your patience during our investigation and review period. \n\nThank you, XXXX XXXX. \nConsumer Relations Specialist XXXX XXXX XXXX   Operations Clearly, this is not a response stating they will continue to work on my specific access issue, but rather a canned response that they'll use my details in \" ongoing efforts to better serve and support the credit community. '' This is plainly outrageous ; this companies lack of oversight, security and control management allowed hundreds of millions of consumers very personal and private financial data to be released into the wild, creating a lifetime of potential identity theft issues for those users and their burden should be higher to help these consumers protect themselves from something that happened through no fault of their own but rather through the direct negligence of a billion dollar organization entrusted to protect these consumers information. \n\nPlease respond and assist myself and all other consumers in similar situations to protect what is rightfully theirs, their privacy and personal information.","date_sent_to_company":"2019-11-01T18:01:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33040","tags":null,"has_narrative":true,"complaint_id":"3425888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-11-01T17:13:50.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I demand that someone reevaluate my account and correct the <em>problems</em> that prevent me from using the online portion. I have no <em>problems</em> accessing <em>XXXX</em> or <em>XXXX</em> 's online freeze/unfreeze services and incidentally, I have no <em>problem</em> accessing <em>Equifax</em> 's main website through my normal login. \n\nI expect that someone contact me directly to resolve this issue as it has caused an undue burden on myself and my family."],"issue":["<em>Problem</em> with fraud alerts or security freezes"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.790464,"3425888"]},{"_index":"complaint-public-v1","_id":"14578692","_score":11.743664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all XXXX Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX  ) I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF EXETER ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. \nXXXX attachments XXXX uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) What company is this complaint about? \nCompany Information XXXX  credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian XXXX XXXX Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo XXXX XXXX XXXX XXXX Equifax Credit Bureau Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX  Origin No Race \" OTHER '' Household size including total number of adults and children XXXX Combined annual household income $ XXXX Service details Branch : XXXX XXXX  XXXX XXXX : Veteran Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXX XXXX company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? Preguntas? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( except federal holidays ). \nMore than XXXX languages available. \nXXXX XXXX  An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-07-28T17:21:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-10T13:42:57.000Z","state":"LA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Inactive modal Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Have you already tried to fix this <em>problem</em> with the company? \nYes Did you request information from the company? \nNo Type of Issue Their <em>investigation</em> did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.743664,"14578692"]},{"_index":"complaint-public-v1","_id":"14578391","_score":11.301076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"OVER XXXX DAYS OVER XXXX DAYS OVER XXXX DAYS Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Open Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXX ( XXXX MB ) Attachments XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX ) .PDF ( XXXX KB ) Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Their investigation did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER XXXX ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX WAS SUED AND FILED BANKRUPTCY, WHICH I RECEIEVED RETRIBUTION FROM. I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.I request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested If your offices fail to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. All three bureaus are in violation of all Consumer Rights. XXXX Profiling Social Profiling Geogphical Profiling Misleading Information on credit reporting. This is simply outrageous. Never updating accurate information. I paid off over {$3500.00} in loans off and EQUIFAX dropped my score. I request a rescission from all three Bureaus that received payment for accurate credit reporting which i paid a service fee for. All three Bureaus will receive LACHES FOR THIER INVOLVEMENT OF INACCURATE REPORTING. A INJUNCTION WAS SENT TO ALL BUREAUS ON MY BEHALF. I WILL IMPLY IMPLIED AUTHOURITY THROUGH THE UNITED STATES SUPREME COURT SYSTEM THAT ALL COMPANY 'S THAT I HAVE DONE BUSINESS WITH AND THAT ALL BUREAUS SHOW ME THAT THIS INCORPERAL ENTITY XXXX XXXX XXXX. XXXX. 15 USC 28 3002-10 ( Person ) ALL information on my credit report should be in perfect standing with debt to ratio i have no debt. My score should be in the mid XXXX 's REMOVAL OF THIS ACCOUNT IMMEDIATELY!! ! XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX Attachments XXXX ( XXXX MB ) XXXX ( XXXX MB ) I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nREMOVAL OF EXETER ACCOUNT AND DEROGATORY MARKS IMMEDIATELY, ALSO CAPITAL ONE 'S ACCOUNT AND DEROGATORY MARKS IMMEDIATELY!!! XXXX. ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : XXXX. VIOLATION OF PRIVACY XXXX. DETRIMENTAL HARM TO CONSUMER AND FAMILY. XXXX. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. XXXX. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. XXXX. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. \nXXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX ) .XXXX  ( XXXX KB ) What company is this complaint about? \nXXXX XXXX Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company Experian XXXX XXXX Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company?\n\ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company XXXX  Credit Bureau Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX XXXX XXXXXXXX, XXXX, or XXXX  Origin No XXXX  \" OTHER '' Household size including total number of adults and children XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Veteran Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXX XXXX company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in XXXX days. In some cases, the company will let you know their response is in progress and provide a final response in XXXX days. \n\nPrivacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nXXXX Flag An official website of the United States Government Inactive XXXX XXXX modal Complaint Detail","date_sent_to_company":"2025-08-13T14:00:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"14578391","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-10T14:00:22.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Inactive modal Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Have you already tried to fix this <em>problem</em> with the company? \nYes Did you request information from the company? \nNo Type of Issue Their <em>investigation</em> did not fix an error on your report What happened? \nALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[11.301076,"14578391"]},{"_index":"complaint-public-v1","_id":"16280353","_score":11.166466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN NON-COMPLIANCE NON-COMPLIANCE EXPERIAN NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE EQUIFAX NON-COMPLIANCE CFPB NON-COMPLIANCE TRANSUNION. \n\nTHIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX NOT A DUPLICATE DISPUTE AI!! ! XXXX EXPERIAN NEVER DID A INTERNAL INVESTIGATION INTO THIS MATTER, EXPERIAN JUST CLOSED MY CASE WITHOUT LETTING ME RESPONDE. \n\nSO I COPIED AND PASTED EXPERIAN 'S RESPONSE. \nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened? \nTRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nTRANSUNION CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan ) XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  What company is this complaint about? \nCompany Information Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company CONSUMER FINANCE PROTECTION BUREAU Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Retired Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXXo company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \nPotential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \n\nWhat do I do? \n\nYou can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. \n\nXXXX XXXX XXXX XXXXXXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. \n\nYou can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXXXXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-30T22:47:07.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16280353","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-30T22:46:42.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of <em>problem</em> are you having? \nInactive modal Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Have you already tried to fix this <em>problem</em> with the company? \nYes Did you request information from the company? \nNo Type of Issue <em>Investigation</em> took more than 30 days What happened?"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.166466,"16280353"]},{"_index":"complaint-public-v1","_id":"16281991","_score":11.163022,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN NON-COMPLIANCE NON-COMPLIANCE EXPERIAN NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE CFPB NON-COMPLIANCE NON-COMPLIANCE EQUIFAX NON-COMPLIANCE CFPB NON-COMPLIANCE TRANSUNION. \n\nTHIS IS NOT A DUPLICATE DISPUTE AI!! ! XXXX NOT A DUPLICATE DISPUTE AI!! ! XXXX EXPERIAN NEVER DID A INTERNAL INVESTIGATION INTO THIS MATTER, EXPERIAN JUST CLOSED MY CASE WITHOUT LETTING ME RESPONDE. \n\nSO I COPIED AND PASTED EXPERIAN 'S RESPONSE. \nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing problem Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Investigation took more than 30 days What happened? \nTRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX, THE XXXX CLAN!!! XXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE CITIZENS OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX POINTS FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} DOLLAR LIMIT ON XX/XX/XXXX TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER ONE ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX 15 USC 1681 14 CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] 15 USC SECTION 241 Person I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nTRANSUNION CREDIT BUREAU OF A {$1000.00} FOR EACH VIOLATION AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY. 3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST. 4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS. TO BE SENT BY : Legal Tender, in the Form of a Check For Payment To XXXX XXXX XXXX XXXX XXXX as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE XXXX ( Relization ) ARTICLE XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. ARTICLE XXXX Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. The Executor of The Estate of : XXXX XXXX XXXX of the ( XXXX Clan ) XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  What company is this complaint about? \nCompany Information Transunion credit reporting agency Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Additional Company CONSUMER FINANCE PROTECTION BUREAU Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX Complaint also submitted to this company? \ntrue Attempted to fix with this company? \nYes Did you request information from the company? \nNo Additional Credit Reporting Company Experian credit reporting Social Security number ( last four digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX XXXX also submitted to this company? \nYes Attempted to fix with this company? \nYes Did you request information from the company? \nNo What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX Male XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Combined annual household income $ XXXX Service details Branch : United States XXXX XXXX : Retired Rank : XXXX - XXXX Military base / location : XXXX XXXX XXXX XXXXo company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. \nPotential fraud Status Company responded there may be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. \n\nWhat do I do? \n\nYou can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. \n\nXXXX XXXX XXXX XXXXXXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit XXXX. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. \n\nYou can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at USA.gov Scams and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXXXXXX XXXX XXXXXXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday through Friday ( except federal holidays ). \nMore than XXXX languages available. \nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-09-30T22:47:10.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16281991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-30T22:46:42.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of <em>problem</em> are you having? \nInactive modal Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Have you already tried to fix this <em>problem</em> with the company? \nYes Did you request information from the company? \nNo Type of Issue <em>Investigation</em> took more than 30 days What happened?"],"company_public_response":["Company has <em>responded</em> to the consumer and the CFPB and chooses not to provide a public response"]},"sort":[11.163022,"16281991"]},{"_index":"complaint-public-v1","_id":"16805663","_score":11.107709,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"A series of disputes have been submitted to Equifax and the CFPB regarding the inaccurate reporting and reinvestigations of an account on my consumer report. On XX/XX/XXXX I sent my dispute and debt validation for multiple accounts to Equifax via certified mail. The main item that has been reporting inaccurately is Texas Attorney General Child Support division and they have been reporting inaccurately since XX/XX/XXXX. Equifax failed to submit a description of the procedure used to determine the accuracy and completeness of the information on any account disputed, which violates 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) and/or 15 U.S. Code 1681i ( a ) ( 7 ). \nThe incorrect balance they reported I owed began around ~ {$3500.00}. Since then, it has constantly increased, to its most recent amount of ~ {$7300.00}. Equifax claimed they investigated the issue, but with a proper investigation it would have been obvious that Texas is not owed anything, and isn't the original state to which I pay child support for. \nI submitted a follow up dispute with supporting documentation on or around XX/XX/XXXX for incorrect information on my report. This was closed on XX/XX/XXXX with Equifax stating the account was valid and the information reported was accurate. No consideration was given to the documentation I submitted proving Texas should not be involved and the information being report is inaccurate. This violates 15 U.S. Code 1681i ( a ) ( 4 ). \nOn or around XX/XX/XXXX, I submitted an additional dispute citing problems with Equifaxs investigation into an existing problem. Equifax concluded that the account was accurate, reporting correctly, and closed their dispute investigation on or around XX/XX/XXXX. However, on XX/XX/XXXX, a representative from the Texas Attorney Generals office contacted me confirming that the balance is incorrect and would be corrected immediately. The fact that I received this information 8 days after the consumer reporting agency closed the investigation proves they did not conduct a proper investigation to ensure maximum possible accuracy, which violates 15 U.S. Code 1681e ( b ). This confirms negligent and willful intent of failure to conduct an adequate investigation and correct or delete the inaccurate account from a consumers credit report per FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( a ). I have attached the following : - Email communications between myself and the Texas AG CSO XXXX confirming that I am current - The amount Texas is reporting is inaccurate- All payment receipts from XXXX - Original court documents from Indiana dated XXXX with the same cause number as Texas dated XXXX The cause number from Indiana is dated XXXX. This is the original state which I am current on my child support with a credit due to me. \nEquifax has reported false information on my credit report for over a year without verifying the accuracy which is required according to the FCRA 15 U.S.C. 1681e ( b ). I am now being labeled a child support evader. With the continuous inaccurate and false reporting, I am nearing criminal charges. This has been a very stressful and costly situation for my family and me. I live in daily fear of a false warrant being issued to me. This false information is also increasing insurance rates while driving down my payment history plus credit score. \nXX/XX/XXXX filed first dispute XX/XX/XXXX second dispute XX/XX/XXXX disputed through CFPB XX/XX/XXXX reinvestigation completed On XX/XX/XXXX, I submitted a complaint to the CFPB citing improper reinvestigation processes by the credit reporting agencies. Equifax responded on XX/XX/XXXX, stating all the information disputed was verified and correct. On XX/XX/XXXX, I reached out to a Texas Representative ( XXXX  ) of my home county for assistance in rectifying this inaccuracy. I was then contacted by an assistant of the state representative to provide a summary of what has been going on. I was advised that the information would be forwarded to someone at the Texas AG office for review. On XX/XX/XXXX, XXXX, XXXX, from the Texas AG Child Support Division-Interstate Central Registry reached out advising that per their interface, I am current. I was notified that a request to terminate the Texas child support account will be submitted, as Indiana is current. \nI sent Equifax a very detailed dispute and debt validation letter informing them of the FCRA 15 U.S.C. 1681e and 15 U.S.C. 1681i, and my expectations in XX/XX/XXXX. It was in hopes that they did an honest investigation and be transparent which they failed both of us. I want this nightmare to end, my name cleared, and the credit reporting agencies to report accurate information because this has gone on for over a year. Equifax has shown grossly negligent behavior over the past year and very corrupt business practices. \nEquifax failed to conduct a reasonable reinvestigation and correct the inaccuracy. \nEquifax failed to conduct a reasonable reinvestigation of the disputes submitted to them and the CFPB multiple times. Equifax also failed to correct the disputed information, which is in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). \nWhile recognizing that consumer reports play an important role in the economy, Congress wanted consumer reports to be fair and equitable to the consumer and to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer reports. 15 U.S.C. 1681. \nCongress, concerned about inaccuracies in consumer reports, specifically required consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy in consumer reports. 15 U.S.C. 1681e ( b ). Consumer reports that contain factually incorrect information which does not belong to the consumer at issue are neither maximally accurate nor fair to the consumers who are the subjects of such reports. \nUnder 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \nUnder 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status of the disputed information or delete the item from the file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nEquifax disregarded its duties under the FCRA with respect to my credit report. Equifax places its business interests above the rights of consumers and reports such inaccurate information because it is cheaper for Equifax to produce reports containing information that is inaccurate and incomplete than it is for Equifax to exert proper quality control over the reports prior to their being provided to Equifax customers. Equifax reports such erroneous and incomplete information because it wants to maximize the automation of its report creation process, thereby saving the costs associated with conducting the additional review necessary to remove the inaccurate or out-of-date entries. \nEquifax charges its customers the same price for reports that are grossly inaccurate as it does for accurate reports. Appropriate quality control review of my report would have been made clear that Equifax was reporting an inaccurate account. The sole reason the inaccurate account was reported as belonging to myself was that Equifax failed to follow reasonable procedures to assure the maximum possible accuracy of the information it published within the credit report it furnished. \nHad Equifax followed reasonable procedures, it would have been discovered that I was current on my child support per Indiana, the state of origin, and should not have been included in my consumer report. \nEquifax Failed to Conduct a Reasonable Reinvestigation and Correct the Credit Report in XX/XX/XXXX. On or about XX/XX/XXXX, I received an email correspondence from Equifax confirming that it had received my dispute but needed me to identify what Miscellaneous/State Specific I was disputing. I was confused, because in both my XX/XX/XXXX, dispute and XX/XX/XXXX, dispute, I specified that I was disputing the inclusion of the Texas Attorney General Child Support account in my consumer report. Worried about the process of my dispute, I again reached out to Equifax requesting a copy of my consumer report. On or about XX/XX/XXXX, I received another email correspondence from Equifax notifying me that my dispute was still in process. On or about XX/XX/XXXX, I received a copy of my consumer reports, and my review confirmed what I had already come to believe : that the consumer report included inaccurate reporting of the Texas Attorney General Child support account. \nUpon information and belief, on or around XX/XX/XXXX, I received another email correspondence from Equifax notifying me that my dispute had been completed and that an updated consumer report was available. \nUpon information and belief, on or around XX/XX/XXXX, I accessed a copy of Equifaxs dispute results through its online portal. Upon information and belief, Equifax asserted in its dispute results letter that it had reinvestigated my dispute and determined that its reporting was accurate and that it would not correct the subject child support account. \nUpon information and belief, Equifax continued to report in its consumer report that all information in my consumer report was accurate. \nUpon information and belief, Equifax did not reinvestigate the Texas Attorney General records reporting in my consumer report, at all, despite my specifically disputing the child support Record in my XX/XX/XXXX dispute, XX/XX/XXXX dispute and XX/XX/XXXX CFPB complaint. \nUpon information and belief, Equifax failed to properly process my disputes of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and failed to investigate the child support record that it had reported about me. \nUpon information and belief, despite my dispute to Equifax, Equifax failed to conduct a reasonable reinvestigation of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dispute and failed to correct the disputed information in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). \nUpon information and belief, Equifax failed to issue a corrected consumer report, that no longer reported the Texas Attorney General Child Support account. \nUpon information and belief, because Equifax failed to issue a consumer report, I would have been spared the financial burden of insurance premium increases, time spent, humiliation of being denied car rental, embarrassment, and stress imposed upon me to correct Equifaxs erroneous reporting.","date_sent_to_company":"2025-10-24T15:58:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"16805663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-24T15:19:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On or around XX/XX/<em>XXXX</em>, I submitted an additional dispute citing <em>problems</em> with <em>Equifaxs</em> <em>investigation</em> into an <em>existing</em> <em>problem</em>. <em>Equifax</em> concluded that the account was accurate, reporting correctly, and closed their dispute <em>investigation</em> on or around XX/XX/<em>XXXX</em>. However, on XX/XX/<em>XXXX</em>, a representative from the Texas Attorney Generals office contacted me confirming that the balance is incorrect and would be corrected immediately."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.107709,"16805663"]},{"_index":"complaint-public-v1","_id":"11039138","_score":10.993261,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT. On XXXX XXXX, XXXX, I submitted CFPB Complaint # XXXX to Equifax concerning obtaining my personal information from their The Work Number service -- a third-party employment verification service run by Equifax. On XXXX XXXX, Equifax responded that this had to do with XXXX XXXX XXXX- - what?! No where in my complaint did I mention anything to do with XXXX XXXX, so it's my belief that Equifax responded to the incorrect complaint of another consumer whose situation has nothing to do with me. Whatever the case, this is another example of Equifax 's poor data management and complaints handling process. I am asking Equifax to slowly, carefully and thoroughly re-read my original complaint, which I'm including in this new complaint, and have one of their executives respond directly to me. Further, it took Equifax nearly 30 days to respond to me, and I believe their XXXX XXXX response was merely a system-generated response to avoid any potential penalties they may incur for late responses ; that is, Equifax deliberately responded with false, inaccurate information concerning my complaint to stop the clock on their time to respond to me. Here is my complaint one more time : On XXXX XXXX, XXXX, I attempted to place a freeze on my The Work Number report, which is managed by Equifax, via their online system. I provided all my personal information requested by Equifax, including my name, date of birth, address, Social Security number and more. I was successfully able to create a log-in username and password, which then gave me access to The Work Number 's dashboard of tasks including the ability to view my report online at that time. When I clicked on the option to view my report, I received an error message that stated something to the effect of : \" We're sorry! This doesn't happen often, but we need additional information to allow you access to view your report, '' at which point it told me to download a form -- a form that asked me for the exact same information I provided to gain access to The Work Number site and dashboard, along with sending in documents to provide my identity and address -- a driver license, passport, lease, utility bill, etc. I was frustrated and confused at this point, because Equifax was asking me to handwrite a form and send in copies of documents with sensitive data on them, which would contain precisely the same information I already supplied to gain access to my The Work Number site in the first place. I then called the customer service number to place a freeze on my report by phone, because Equifax says you can place a freeze by calling their XXXX XXXX XXXX at ( XXXX ) XXXX. I called the XXXX XXXX XXXX, only to be told that they can't actually place the freeze over the phone -- I had to go back to TheWorkNumber.com and follow the online prompts to send an online message to request to open up a dispute case to place a freeze on my report. To say that we can place a freeze on our report data is deceptive and unfair, because their XXXX XXXX representatives can not do that ; consumers are required to use their online system. So, once again, I had to fill out Equifax 's online contact form with my personal data, explain that I wanted a freeze placed on my report, at which point I sent off the online contact form, only to receive a reply that Equifax would follow up with a secured email, with no specified timeframe for the follow up, with more information on how to complete placing the freeze on my report. Approximately 24 hours later, I received their secured email, which made me click on a link to take me to the secured email and enter my previously created username/password, and then I had to click yet another link to be sent a verification email by yet another company called XXXX, XXXX sent me an email that advised me to click on yet another link to verify that I have proper access to view the secured email sent to me by Equifax. At this point, in order to open up one secured message from Equifax, I had to go through Equifax, click a link to verify my identity, enter my username/password, wait for another email from XXXX, click on their link to verify I'm who I say I am and entitled to view Equifax 's secured message to me, and then finally I can view the message. Once I viewed the message from Equifax, I was advised to use their secured/encrypted messaging platform to upload identification documents to prove my identity and current address -- On XXXX XXXX, I uploaded my Social Security card, Minnesota driver 's license, a recent electricity bill and my signed lease agreement. In the body of my message to Equifax, I specifically stated I want an immediate freeze placed on my Work Number report, because I am in the process of closing on my mortgage and I don't want any new inquiries or fraud on my credit and consumer reports. Since XXXX XXXX, I have received nothing but carbon copies of the emails I've sent Equifax, where I've asked them for a status update on my freeze request on XXXX XXXX. Each email I send them requires me to twice click on links to verify and immediately re-verify my identity through Equifax 's third-party messaging service through XXXX. On XXXX XXXX, I called the same XXXX XXXX XXXX number as before to speak to a live person to ask for a status update on my freeze report request. The representative told me they can not confirm or deny any freeze requests over the phone -- it would all need to be done by email to : XXXX. So, I emailed that email address, only to receive an automated reply telling me I need to submit all my identity and address verification documents again. This email provided absolutely no update or any personalized response to my request for a status update on my freeze request -- all the while I'm trying to freeze my consumer data so I can smoothly complete the home-buying process. I assert that Equifax is knowingly and intentionally engaging in unfair, abusive and deceptive practices by misstating that disputes can be done over the phone when they can not ; the amount of steps, tasks and data that need to be taken and given to place a freeze on my own data are intentionally and deliberately burdensome, cumbersome, daunting and confusing to the average consumer, thus intentionally dissuading consumers from disputing and/or freezing our own data that Equifax itself manages ; and it's abusive and unfair to not offer the report online, fraudulently claiming that \" this doesn't happen often ...., '' forcing me to handwrite their data freeze form and send in documentation, again intentionally dissuading and forcing the average consumer to abandon their right to view, inspect, dispute and freeze consumer data, because Equifax knowingly makes the process of doing so nearly impossible to navigate and complete, leading to unnecessary, lengthy delays in responding to data freeze requests such as mine. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hide full complaint What product or service is your complaint about? \nPRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Other personal consumer report What type of problem are you having? \nInactive modal Issue Problem with a company 's investigation into an existing issue Have you already tried to fix this problem with the company? \nYes Did you request information from the company? \nNo Type of Issue Difficulty submitting a dispute or getting information about a dispute over the phone What happened? \nOn XXXX XXXX, XXXX, I attempted to place a freeze on my The Work Number report, which is managed by Equifax, via their online system. I provided all my personal information requested by Equifax, including my name, date of birth, address, Social Security number and more. I was successfully able to create a log-in username and password, which then gave me access to The Work Number 's dashboard of tasks including the ability to view my report online at that time. When I clicked on the option to view my report, I received an error message that stated something to the effect of : \" We're sorry! This doesn't happen often, but we need additional information to allow you access to view your report, '' at which point it told me to download a form -- a form that asked me for the exact same information I provided to gain access to The Work Number site and dashboard, along with sending in documents to provide my identity and address -- a driver license, passport, lease, utility bill, etc. I was frustrated and confused at this point, because Equifax was asking me to handwrite a form and send in copies of documents with sensitive data on them, which would contain precisely the same information I already supplied to gain access to my The Work Number site in the first place. I then called the customer service number to place a freeze on my report by phone, because Equifax says you can place a freeze by calling their XXXX XXXX XXXX at ( XXXX ) XXXX. I called the XXXX XXXX XXXX, only to be told that they can't actually place the freeze over the phone -- I had to go back to TheWorkNumber.com and follow the online prompts to send an online message to request to open up a dispute case to place a freeze on my report. To say that we can place a freeze on our report data is deceptive and unfair, because their XXXX XXXX representatives can not do that ; consumers are required to use their online system. So, once again, I had to fill out Equifax 's online contact form with my personal data, explain that I wanted a freeze placed on my report, at which point I sent off the online contact form, only to receive a reply that Equifax would follow up with a secured email, with no specified timeframe for the follow up, with more information on how to complete placing the freeze on my report. Approximately 24 hours later, I received their secured email, which made me click on a link to take me to the secured email and enter my previously created username/password, and then I had to click yet another link to be sent a verification email by yet another company called XXXX, XXXX sent me an email that advised me to click on yet another link to verify that I have proper access to view the secured email sent to me by Equifax. At this point, in order to open up one secured message from Equifax, I had to go through Equifax, click a link to verify my identity, enter my username/password, wait for another email from XXXX, click on their link to verify I'm who I say I am and entitled to view Equifax 's secured message to me, and then finally I can view the message. Once I viewed the message from Equifax, I was advised to use their secured/encrypted messaging platform to upload identification documents to prove my identity and current address -- On XXXX XXXX, I uploaded my Social Security card, Minnesota driver 's license, a recent electricity bill and my signed lease agreement. In the body of my message to Equifax, I specifically stated I want an immediate freeze placed on my Work Number report, because I am in the process of closing on my mortgage and I don't want any new inquiries or fraud on my credit and consumer reports. Since XXXX XXXX, I have received nothing but carbon copies of the emails I've sent Equifax, where I've asked them for a status update on my freeze request on XXXX XXXX. Each email I send them requires me to twice click on links to verify and immediately re-verify my identity through Equifax 's third-party messaging service through XXXX. On XXXX XXXX, I called the same XXXX XXXX XXXX number as before to speak to a live person to ask for a status update on my freeze report request. The representative told me they can not confirm or deny any freeze requests over the phone -- it would all need to be done by email to : XXXX. So, I emailed that email address, only to receive an automated reply telling me I need to submit all my identity and address verification documents again. This email provided absolutely no update or any personalized response to my request for a status update on my freeze request -- all the while I'm trying to freeze my consumer data so I can smoothly complete the home-buying process. I assert that Equifax is knowingly and intentionally engaging in unfair, abusive and deceptive practices by misstating that disputes can be done over the phone when they can not ; the amount of steps, tasks and data that need to be taken and given to place a freeze on my own data are intentionally and deliberately burdensome, cumbersome, daunting and confusing to the average consumer, thus intentionally dissuading consumers from disputing and/or freezing our own data that Equifax itself manages ; and it's abusive and unfair to not offer the report online, fraudulently claiming that \" this doesn't happen often ...., '' forcing me to handwrite their data freeze form and send in documentation, again intentionally dissuading and forcing the average consumer to abandon their right to view, inspect, dispute and freeze consumer data, because Equifax knowingly makes the process of doing so nearly impossible to navigate and complete, leading to unnecessary, lengthy delays in responding to data freeze requests such as mine. \n\n\nI want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. \n\nThe CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. \nInactive modal What would be a fair resolution to this issue? \nI want an immediate freeze placed on my Work Number report for the case I've already created via Equifax 's The Work Number website. For Equifax 's unfair, abusive and deceptive practices on placing a freeze on my Work Number report, which has led to unnecessary delays in placing the freeze and thus continuing to compromise my data, I would like a complimentary membership to their credit monitoring product. Finally, I ask that the CFPB investigate for its data dispute and freeze practices, ensuring any and all legally enforceable action is taken to remedy these unfair, abusive and deceptive practices that knowingly cause consumers to abandon their rights to view, inspect, dispute and freeze their data for which Equifax is responsible for managing. \n10 attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within 2 minutes of upload. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What company is this complaint about? \nCompany Information EQUIFAX What people are involved? \n\nYour contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Minnesota XXXX United States Your preferred language XXXX Your demographic information Age XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Race White Household size including total number of adults and children XXXX Combined annual household income {$75000.00} - {$99000.00} Sent to company Status Sent to company on XX/XX/XXXXXXXX  We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE Equifax has received your complaint submitted through the CFPB portal. We need more time to review and thoroughly research your submission. Once we've completed our research, we will provide an updated response with our findings. \nCompany responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response We completed our review of your request to remove information from your Equifax credit file due to the information being the result of XXXX XXXX. Based on our review of your request and accompanying documents, the following additional information or documentation is necessary to complete your submission under section 605C of the Fair Credit Reporting Act and 12 C.F.R. 1022.142 : Victim determination documentation confirming that you were a victim of XXXX XXXX, such as determinations made by federal, state, tribal, or local governments, government agencies, or law enforcement ; determinations by non-governmental entities or task forces authorized by a governmental agency to make such a determination, a self-attestation signed or certified by such governmental agency or non-governmental entity ; or a determination by court in a case where a central issue is whether you are a victim of XXXX XXXX. Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a victim of XXXX XXXX. So that we can complete processing of your request and block identified information, you need to contact us as quickly as possible to provide the above additional information. You may do this by mailing the information to us at XXXX XXXX XXXX XXXX GA XXXX or you may call us toll free at ( XXXX ) XXXX for more information or to learn about other ways to get this documentation to us promptly. If you contact us by mail, please include a copy of this letter or provide the confirmation number with your submission. We are required to resolve your request within 25 business days of when we receive it, but we need the above required documentation in order to do so. If we do not receive the necessary documentation specified above in time to meet that deadline, we will have to decline and close your request. If that happens, we will notify you, and you may, of course, resubmit your request with the necessary information and documentation. We look forward to hearing from you to complete your request or answer questions that you may have. Thank you for the opportunity to assist you. Equifax Information Services LLC Please do not reply to this email. Replies and documents routed to this message are routed to an unmonitored mailbox and will not be answered. For questions regarding your request to block adverse information as a result of XXXX XXXX, please call us toll free at ( XXXX ) XXXX. In the alternative, you may mail additional documents for your submission to XXXX XXXX XXXX XXXX GA XXXX. \nFeedback requested Status Feedback requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy Act Statement OMB # XXXX Note on user experience Have a question? XXXX? \n( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Monday through Friday ( except federal holidays ). \nMore than 180 languages available. \nXXXX XXXX XXXX official website of the United States Government Inactive modalInactive modalInactive modal","date_sent_to_company":"2024-12-05T19:54:37.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"559XX","tags":null,"has_narrative":true,"complaint_id":"11039138","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T19:39:24.000Z","state":"MN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Other personal consumer report What type of <em>problem</em> are you having? \nInactive modal Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> issue Have you already tried to fix this <em>problem</em> with the company? \nYes Did you request information from the company? \nNo Type of Issue Difficulty submitting a dispute or getting information about a dispute over the phone What happened?"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> issue"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.993261,"11039138"]},{"_index":"complaint-public-v1","_id":"17008191","_score":10.643458,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. EQUIFAX, AND XXXX XXXX XXXX  HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX EQUIFAX, AND XXXX IMMEDIATELY!! ! XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX  ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX XXXX XXXX  YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX XXXX  AND EQUIFAX REMOVED MY XXXX XXXX XXXX  ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX  AND EQUIFAX TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised one. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section 241 Conspiracy : The law focuses on an agreement or plan between two or more individuals. Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section 242 It's important to distinguish Section 241 from Section 242. While Section 241 addresses conspiracies against rights, Section 242 targets individuals who, acting \" under color of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs XXXX XXXX XXXX, and Equifax ) once every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB.\n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in theSteelman v. Experian case.\n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nChristian Peyton v. Experian. Plaintiff discharged his XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct.\n\nNikolas v. Experian. N.D. C.A. The Plaintiff has an inaccurate account reporting on her Experian credit report. The Plaintiff has never had an Affirm account listed on the Experian credit report. The Plaintiff disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold.\n\nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, XXXX XXXX, AND EQUIFAX ] AND CORRUPTION THAT CFPB, EQUIFAX, XXXX XXXX XXXX  TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE XXXX  NON-COMPLIANCE EQUIFAX NON-COMPLIANCE XXXXXXXX  CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX XXXX  AND EQUIFAX NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH EQUIFAXXXXX XXXX XXXX XXXX ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, TRANSUNION, AND EQUIFAX!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or credit score We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT TRANSUNION AND EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXX XXXX  DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX XXXX XXXX DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. 2. Who it covers The FCRA governs credit reporting agencies ( CRAs ), including the three major ones : Equifax , Experian, and TransUnion . It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. 3. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to Free Credit Reports : You are entitled to a free credit report from each nationwide CRA annually, according to MyCreditUnion.gov. Currently, they are offering free weekly reports through XXXX. Right to Notice of Adverse Action : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. 4. Permissible purposes for accessing consumer reports Access to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your credit score should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX Karma.jpg ( XXXX KB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. XXXX XXXX XXXXXXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments XXXXXXXX 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 XXXXXXXX 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  ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, TransUnion can not take further action on the complaint. \nXXXX requested XXXX XXXX requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17008191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Inactive modal US Flag An official website of the United States Government Logged in as <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Consumer Financial Protection Bureau <em>XXXX</em> a new complaint All complaints <em>XXXX</em> complaint Closed Submitted Status Submitted to the CFPB on XX/XX/<em>XXXX</em> Product Credit reporting or other personal consumer reports Issue <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> We received your complaint. Thank you. \nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.643458,"17008191"]},{"_index":"complaint-public-v1","_id":"16814944","_score":10.572777,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b\"I XXXX XXXX XXXX AM A REAL person, FILING THIS DISPUTE ON MY OWN BEHALF. CFPB, XXXX, EQUIFAX, AND XXXX  HAVE NOT CONDUCTED PROPER THOROUGH TECHNIQUES FOR INTERNAL RETIFICATION OF MISALIGNMENT OF BAD BEHAVIOR. IN THE FAIR CREDIT REPORTING ACT IT STATES CLEARLY THAT XXXX, XXXX, AND EQUIFAX compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. From my understanding EQUIFAX, XXXX, AND XXXX  ARE (CRA'S) CREDIT REPORTING AGENCIES, THAT ARE COVERED BY [FCRA] FEDERAL CREDIT REPORTING ACT. IT ALSO STATES THAT I XXXX XXXX XXXX A REAL Person, HAVE: Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. XXXX, XXXX, AND EQUIFAX HAVE NOT ACTED ACCORDINGLY TO THE FAIR CREDIT REPORTING ACT BY NOT COMPLYING BY THIS CONSTITUTIONAL LAW OF THE LAND. I ASKED THAT THIS DISPUTE I AM PRESENTING AGAIN ON XXXX XXXX XXXX, BE REEXAMINED FOR THE PURPOSE OF TRANSPARENCY. IT HAS NOT HAD A THOROUGH EXAMINATION OF ALL THREE CRA'S KNOWN AS XXXX, XXXX, AND EQUIFAX, ALONG WITH CONSUMER FINANCE PROTECTION BUREAU (CFPB). I THINK THIS MATTER SHALL BE HANDLED WITH THE ATMOST RESPECT FOR THE XXXX XXXX COURTSHIP OF LAWS: CONSUMERS RIGHT ACT 2015, CONSUMER CREDIT ACT 1974, FINANCIAL SERVICE ACT 2010, CONSUMER PROTECTION ACT 1987, THE FINANCIAL SERVICES and MARKETS ACT 2000 (FSMA). I RESPECT THAT THIS MATTER AT HAND SHALL HAVE EXPEDITIONAL PROCESSING TO THE BEST INTEREST OF LAW, WITH A TREMENDOUS AMOUNT OF TRANSPARENCY SPRINKLED WITH DUE DILIGENCE!!!XXXXI AM A REAL Person THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of THE XXXX  Clan \\n \\nI HAVE INCLUDED A COPY OF DISABLED ID AI!!XXXXI HAVE INCLUDED A COPY OF MY SOCIAL SECURITY CARD AI!!!369\\nI HAVED INCLUDED A COPY OF LATEST UTILITY BILL AI!!!XXXX\\nALSO EQUIFAX, XXXX, AND XXXX  HAVE INVOLVED THEMSELVES INTO CONSPIRACY TO DUE DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS AND BACKGROUND THAT ARE NOT OF A XXXX  DECENT. XXXX XXXX XXXX XXXX IS ONLY THE GESTURE IN THIS MATTER, WHICH MAKES ME THE PRINCIPAL. XXXX XXXX XXXX XXXX  PROVED THAT IT PRACTICED UNJUST ENRICHMENT ON A FRAUDULENT CREDIT CARD ACCOUNT ENDING IN XXXX. I XXXX XXXX XXXX  A REAL Person NEVER RECEIVED A  CARD IN THE MAIL, I XXXX XXXX XXXX NEVER SIGNED A DISCLOSURE FOR THIS FRAUDULENT CREDIT CARD ACCOUNT ENDING IN XXXX, AND I XXXX XXXX XXXX NEVER ACTIVATED A CREDIT CARD ENDING IN XXXX. THIS MATTER AT HAND SHOULD RESULT IN SPECIFIC PERFORMANCE ON XXXX XXXX XXXX XXXX BEHALF. SUCH AS REMOVAL OF THIS FACTIOUS ACCOUNT ENDING IN XXXX ALSO XXXX, EQUIFAX, AND XXXX  SHOULD IMMEDIATELY CONDUCT A RECALCULATION OF MY CREDIT SCORES WITH ALL THREE CRA'S IMMEDIATELY CONDUCTING A THOROUGH INTERNAL INVESTIGATION OF RECALCULATED SCORES IMMEDIATELY!!!XXXX I ASK THAT THIS NOT BE CONSIDERED A DUPLICATE DISPUTE AI BECAUSE IT IS NOT, AND TIME IS OF THE ESSENCE FOR TRANSPARENCY. XXXX HASN'T UPDATED MY CREDIT REPORTS SINCE XXXX XXXX XXXX STILL WAITING XXXXEQUIFAX DROPPED SCORES XXXX POINTS USING FRAUDULENT INFORMATION FROM XXXX XXXX XXXX XXXX ON CREDIT REPORTS. XXXX  REMOVED THE ACCOUNT ENDING IN XXXX  TWO MONTHS AGO IN XXXX  OF XXXX, BECAUSE OF FRAUDULENT ACTIVITY OF XXXX XXXX XXXX XXXX IN THIS MATTER OF FACTIOUS INFORMATION BEENING USED FOR HARM, AND DETRIMENT!!XXXXInactive modal\\nUS Flag An official website of the United States Government Logged in as XXXX XXXX XXXXConsumer Financial Protection Bureau\\nStart a new complaint\\nAll complaints\\XXXXXXXXPrint complaint\\nClosed\\nSubmitted\\nStatus\\nSubmitted to the CFPB on XXXXProduct\\nCredit reporting or other personal consumer reports\\nIssue\\nProblem with a company's investigation into an existing problem\\nWe received your complaint. Thank you.\\nWe will review your complaint. Depending on what we find, we will typically:\\n\\nSend your complaint to the company for a response; or\\nSend your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or\\nLet you know if we need more information to continue our work.\\nYOUR COMPLAINT\\nTHIS DISPUT WAS NEVER PROPERLY INTERNALLY INVESTIGATED. CFPB NEVER CONDUCTED A PROPER INTERNAL INVESTIGATION OF THIS MATTER AT HAND. CFPB HAS VIOLATED CONSUMER'S CONSTITUTIONAL RIGHT'S, AND USING ARTIFICIAL INTELLIGENCE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS. CFPB, A VIOLATED CONSTITUTIONAL LAWS, THE FAIR CREDIT REPORTING ACT, AND 18 USC Section 241(CONSPIRACY)XXXX I HAVE SUBMITTED HEAVILY ENDORSED MATERIAL OF FACT THAT PROVES EVERYTHING IN THE DISPUTE, WHICH I SUBMITTED I THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of THE XXXX  Clan CFPB, ALONG WITH EQUIFAX, XXXX, AND XXXX, HAVE ALL ENGAGED IN (CONSPIRACY) 18 USC Section 241 (CONSPIRACY)!XXXX  I SUBMITTED ALL THE EVIDENCE NEEDED TO PROVE MY DISPUTE!!XXXX In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX Feedback requested Status Feedback requested on XXXX Feedback due XXXX At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, XXXX  cannot take further action on the complaint. How Can I Respond When XXXX  Asked For Power of Attorney On XXXX  BUT FeedBack Was Due On The XXXX Plus You asked me to Respond through The XXXX XXXX XXXX XXXX In This Time Frame IS IMPOSSIBLE!!XXXX HAHAHAHAHAHAHAHAHAHAHAHAHA!!XXXX  STOP ARTIFICIAL INTELLIGENCE!!!XXXX HAHAAA PLUS I SENT A COPY OF MY DISABLED ID!!XXXX PLUS I SENT A COPY OF MY SOCIAL SECURITY CARD!!!XXXX PLUS A COPY OF MY LATEST UTILITY BILL STATEMENT!!XXXX XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX  Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically: Send your complaint to the company for a response; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or Let you know if we need more information to continue our work. YOUR COMPLAINT THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX THIS IS NOT A DUPLICATE DISPUTE AI!!XXXX I HAVE INCLUDED A COPY OF MY DISABILITY ID, A COPY OF MY LATEST UTILITY BILL, AND A COPY OF MY SOCIAL SECURITY CARD. THIS DISPUTE DOES NOT NEED A THIRD PARTY!!XXXX I AM FILING ON MY OWN BEHALF AI!!!XXXX HAHAHA I AM A XXXX  WAR VETERAN WHO FOUGHT FOR THIS COUNTRY IN XXXX XXXX XXXX XXXX ONLY TO BE RUDELY ATTACKED BY AI TECHNOLOGY WHICH IS USED AGAINST THE CIVIL RIGHTS OF ALL MONIORITIES BY EQUIFAX, XXXX, AND XXXX!!!XXXX  The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies (CRAs). Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies (CRAs): Companies like the three major credit bureaus (Equifax, XXXX, and XXXX) that compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. I AM A REAL HUMAN AI!!XXXX EQUIFAX FAKE GOVERNMENT ENTITY DROPPED MY SCORE BY XXXXPOINTS USING A FRAUDULENT CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX XXXX WHICH WAS REMOVED BY XXXX  AND XXXX  DOING DETRIMENTAL HARM TO ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX  OF THE XXXX  Clan!!!XXXX SINCE XXXX XXXX XXXX XXXX  HAD TO REMOVE THIS ACCOUNT, THIS ENTITY IS STILL USING OTHER WAYS TO DUE DETRIMENTAL HARM OF A CONSUMER BY VIOLATION OF 18 USC Section 241(CONSPIRACY) BETWEEN EQUIFAX AND XXXX XXXX XXXX XXXX. ALSO BOTH USED MY CREDIT REPORTS ILLEGALLY BY SELLING OF FALSE INFORMATION AND WITHOUT NOTIFYING ME THE CONSUMER THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX  OF THE XXXX XXXX 18 U.S. Code  241 - Conspiracy against rights  U.S. Code  Notes  Authorities (CFR) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX, aggravated XXXX  XXXX  or an attempt to commit aggravated XXXX  XXXX, or an attempt to XXXX, they shall be fined under this title or XXXX  for any term of years or for life, or both, or may be sentenced to XXXX. STOP PLAYING THESE SILLY GAMES XXXX XXXX XXXX XXXX XXXX XXXX  ( UNFIT, INCOMPETENT, DYING STATUS, RACIST BAIS WHAT TO BE US XXXX!XXXX  Attachments ScreenshotXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  View full complaint Sent to company Status Sent to company on XXXX  We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working Status Company response is in progress as of 10/6/2025 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request. Company responded Status Company responded on XXXX Response type Closed with explanation Company's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, XXXX  cannot take further action on the complaint. Feedback provided Status Feedback provided on XXXX Your feedback The companys response addressed all of my issues No I understand the companys response to my complaint Yes The company did what they said they would do with my complaint No ADDITIONAL COMMENTS THIS DISPUT WAS NEVER PROPERLY INTERNALLY INVESTIGATED. CFPB NEVER CONDUCTED A PROPER INTERNAL INVESTIGATION OF THIS MATTER AT HAND. CFPB HAS VIOLATED CONSUMER'S CONSTITUTIONAL RIGHT'S, AND USING ARTIFICIAL INTELLIGENCE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLOURS. CFPB VIOLATED CONSTITUTIONAL LAWS, THE FAIR CREDIT REPORTING ACT, AND 18 USC Section 241( CONSPIRACY)!!XXXX I HAVE SUBMITTED HEAVILY ENDORSED MATERAIL OF FACT THAT PROVES EVERYTHING IN THE DISPUTE, WHICH I SUBMITTED I THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX of THE XXXX  Clan Inactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau Start a new complaint All complaints XXXXPrint complaint Closed Submitted Status Submitted to the CFPB on XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically: Send your complaint to the company for a response; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or Let you know if we need more information to continue our work. YOUR COMPLAINT THIS IS NOT A DUPLICATE DISPUTE AI!!!XXXX  THIS IS NOT A DUPLICATE DISPUTE AI!!XXXX I HAVE INCLUDED A COPY OF MY DISABILITY ID, A COPY OF MY LATEST UTILITY BILL, AND A COPY OF MY SOCIAL SECURITY CARD. THIS DISPUTE DOES NOT NEED A THIRD PARTY!!XXXX I AM FILING ON MY OWN BEHALF AI!!!XXXX HAHAHA I AM A XXXX  WAR VETERAN WHO FOUGHT FOR THIS COUNTRY IN XXXX XXXX XXXX XXXX ONLY TO BE RUDELY ATTACKED BY AI TECHNOLOGY WHICH IS USED AGAINST THE CIVIL RIGHTS OF ALL MONIORITIES BY EQUIFAX, XXXX, AND XXXXXXXX  The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies (CRAs). Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies (CRAs): Companies like the three major credit bureaus (Equifax, XXXX, and XXXX) that compile and sell consumer reports to Users of Consumer Reports: Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. Dispute Rights: You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. I AM A REAL HUMAN AI!!XXXX EQUIFAX FAKE GOVERNMENT ENTITY DROPPED MY SCORE BY XXXXPOINTS USING A FRAUDULENT CREDIT CARD ACCOUNT FROM XXXX XXXX XXXX XXXX WHICH WAS REMOVED BY XXXX  AND XXXX  DOING DETRIMENTAL HARM TO ME THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX  OF THE XXXX  Clan!!!XXXX SINCE XXXX XXXX XXXX XXXX HAD TO REMOVE THIS ACCOUNT, THIS ENTITY IS STILL USING OTHER WAYS TO DUE DETRIMENTAL HARM OF A CONSUMER BY VIOLATION OF 18 USC Section 241(CONSPIRACY) BETWEEN EQUIFAX AND XXXX XXXX XXXX XXXX. ALSO BOTH USED MY CREDIT REPORTS ILLEGALLY BY SELLING OF FALSE INFORMATION AND WITHOUT NOTIFYING ME THE CONSUMER THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXX OF THE XXXX Clan!!!XXXX 18 U.S. Code  241 - Conspiracy against rights  U.S. Code  Notes  Authorities (CFR) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both; and if death results from the acts committed in violation of this section or if such acts include XXXX  or an attempt to XXXX, aggravated XXXX XXXX or an attempt to commit aggravated XXXX XXXX, or an attempt to XXXX, they shall be fined under this title or XXXX  for any term of years or for life, or both, or may be sentenced to XXXX. STOP PLAYING THESE SILLY GAMES XXXX XXXX XXXX XXXX XXXX XXXX  ( UNFIT, INCOMPETENT, DYING STATUS, RACIST BAIS WHAT TO BE US XXXX Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View full complaint Sent to company Status Sent to company on 10/5/2025 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working Status Company response is in progress as of XXXX  The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request. Company responded Status Company responded on XXXX  Response type Closed with explanation Company's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide XXXX  with proof of Power of Attorney that authorizes you to obtain the credit information of the subject consumer by XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain Power of Attorney was unsuccessful. Without any legally binding document, XXXX  cannot take further action on the complaint. Feedback requested Status Feedback requested on XXXX Feedback due XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. Submit your feedback Closed The CFPB has closed your complaint. Privacy Act Statement XXXX #XXXX Note on user experience Have a question? Preguntas? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ET, Monday through Friday (except federal holidays). More than 180 languages available. US Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint: We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint.\\n\\nAttachments\\nScreenshotXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXView full complaint \\nSent to company\\nStatus\\nSent to company on XXXXWe've sent your complaint to the company, and we will let you know when they respond.\\n\\nTheir response should include the steps they took, or will take, to address your complaint.\\n\\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.\\n\\nCompany still working\\nStatus\\nCompany response is in progress as of XXXXThe company has responded that it is still working on your issue\\nIn some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.\\n\\nCOMPANY'S INTERIM RESPONSE\\nWe received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty (60) days from the date you submitted your request.\\nMarked as duplicate\\nStatus\\nMarked as a duplicate complaint on XXXXThis complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record.\\n\\nPrivacy Act Statement\\nXXXX #XXXXNote on user experience\\nHave a question? Preguntas?XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ET, Monday through Friday\\n(except federal holidays).\\nMore than 180 languages available.\\nUS Flag An official website of the United States Government\\nInactive modalInactive modalInactive modal\\nComplaint Detail\"","date_sent_to_company":"2025-10-25T04:01:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"16814944","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-25T04:01:33.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXXInactive modal\\nUS Flag An official website of the United States Government Logged in as <em>XXXX</em> <em>XXXX</em> XXXXConsumer Financial Protection Bureau\\nStart a new complaint\\nAll complaints\\XXXXXXXXPrint complaint\\nClosed\\nSubmitted\\nStatus\\nSubmitted to the CFPB on XXXXProduct\\nCredit reporting or other personal consumer reports\\nIssue\\n<em>Problem</em> with a company's <em>investigation</em> into an <em>existing</em> <em>problem</em>\\nWe received your complaint. Thank you.\\nWe will review your complaint."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>EQUIFAX</em>, INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[10.572777,"16814944"]},{"_index":"complaint-public-v1","_id":"9843877","_score":10.374092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverified information on my credit report. Despite my repeated disputes and requests for reinvestigation, Equifax has failed to correct or remove this inaccurate information as required by XXXX XXXX. XXXX ( a ). Their continued reporting of this incorrect data is causing significant harm to my creditworthiness and financial stability. Despite these clear legal requirements, I have observed that the CFPB has FAILED to hold these credit reporting agencies ACCOUNTABLE for ongoing violations of these provisions. In many instances, inaccurate and unverified information remains on consumer credit reports, causing significant harm to consumers credit scores, financial stability, and overall well-being. The CFPBs failure to ENFORCE these laws effectively allows credit reporting agencies to act with impunity, ignoring the rights of consumers under the FCRA. In XX/XX/XXXX I made a complaint via the cfpb about EQUIFAX not correcting an existing problem with reporting inaccurate and unverified information AFTER A DISPUTE Equifax responded through the CFPB portal that every account I listed came back VERIFIED. I want to know how that could be when it shows on my Equifax credit report that THE DATE OF FIRST DELINQUENCY FOR XXXX XXXX {$1000.00}, IS XX/XX/XXXX but reports no data for the entire year of XXXX. It shows the first major delinquency is XX/XX/XXXX but not only does it show no data, but I also received a letter on XX/XX/XXXX showing a {$0.00} balance as of XX/XX/XXXX. ON the payment status it shows a charge off in XXXX XXXX. Last payment date for XXXX shows XX/XX/XXXX but Equifax shows XX/XX/XXXX. How can any bureau report that it's a charge off for XX/XX/XXXX when my letter shows a paid in full account from the original creditor in XX/XX/XXXX. XXXX XXXX  {$2200.00} Equifax XXXX DATE OF FIRST DELINQUENCY is XX/XX/XXXX but payment status shows the account being charged off in XXXX. EQUIFAX also shows XXXX and XXXX Showing the account being 150 days late? HOW could BOTH MONTHS be late 150 days? no data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account shows 120 days late in XXXX and XXXX FOR XXXX how is that 'VERIFIED ''? XXXX XXXX- {$3600.00}, Shows date of first delinquency ON EQUIFAX XXXX XX/XX/XXXX but credit report status shows XX/XX/XXXX, It shows no data from XXXX XXXX no data XXXX, its reported-ON TIME PAYMENTS ON XXXX CREDIT REPORT from XXXX XX/XX/XXXX, no data from XXXX. IF ITS VERIFIED THEN HOW COULD THIS ACCOUNT SHOW A CHARGE OFF FROM XXXX XXXX TO XXXX XXXX FOR XXXX BUT ON EQUIFAX IT SHOWS XXXX AS A COLLECTION? inconsistent and obviously not verified properlyXXXX XXXX XXXX XXXX$1700.00} Equifax is reporting LAST PAYMENT DATE XX/XX/XXXX XXXX is showing XX/XX/XXXX. XXXX and XXXX show account is paid, and Equifax shows its derogatory. If the last payment was reported on my CR on XX/XX/XXXX, why does it show no data? XXXX XXXX {$1600.00} shows DATE OF FIRST DELINQUENCY XX/XX/XXXX but shows no data for the payment status for the whole year in XXXX. It shows the last payment is XX/XX/XXXX but on my Equifax credit report it reports as a charged off account. I also have a letter from XXXX XXXX reporting a {$0.00} balance and nowhere in the letter did it say the account was charged off with a balance of {$1600.00}. XXXX XXXX XXXX  {$1200.00} Shows date of last payment as XX/XX/XXXX on my Equifax report but XX/XX/XXXX on my XXXX report. It reports DATE OF FIRST DELINQUENCY IS XX/XX/XXXX on Equifax but payment status shows no data for the year XXXX? Furthermore, it shows {$1200.00} CHARGED OFF and DATE OF FIRST DELIQUENCY IS XX/XX/XXXX on my Equifax credit report but my letter shows that the account was paid in full of a {$0.00} balance as of XX/XX/XXXX. HOW CAN AN ACCOUNT SHOW WRITTEN OFF, CHARGE OFF WITH A BALANCE but the letter says paid in full? XXXX XXXXXXXX XXXX {$1400.00} is Reporting to my Equifax as the PAST DUE payments for XXXX but on XXXX it shows on time payments from XXXX, XXXX Equifax is reporting the account as CHARGED XXXX. XXXX shows DATE OF LAST PAYMENT IS XX/XX/XXXX, Equifax says last payment is XX/XX/XXXX. It shows on Equifax the DATE OF FIRST DELINQUENCY XX/XX/XXXX BUT THE PAYMENT STATUS SHOWS THE DATE AS XX/XX/XXXX BEING FIRST DELIQUENCY. XXXX and XXXX show account status as paid but Equifax shows DEROGATORY. Equifax is reporting XXXX and XXXX is past due for 150 days how could both months be past due 150 days? Did you verify these inaccuracies? XXXX XXXX XXXX XXXX$20000.00} show the account as PAST DUE for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on Equifax but on XXXX is ON TIME PAYMENTS. It shows NO XXXX for the rest of the calendar year. How is that possible if the account was verified as a charged off account? It shows DATE OF LAST PAYMENT on Equifax XX/XX/XXXX but XX/XX/XXXX on XXXX. It shows high credit of {$23000.00} for XXXX but {$20000.00} for Equifax. NOT TO MENTION I AM A VICTIM OF THE EQUIFAX XXXX BREACH. I DID REAL INTENSIVE RESEARCH ON ALL ACCOUNTS THAT ARE NOT CONSISTENTLY REPORTING AND I HAVE ALREADY CONTACTED MY GENERAL ATTORNEY ON THIS MATTER! \nXXXX actions are in clear violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Failing to ensure maximum possible accuracy.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a proper reinvestigation of disputed information.\n\n15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failing to promptly correct or delete inaccurate or unverifiable information. \nXXXX. XXXX v. Equifax Information Services, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX : XXXX XXXX sued Equifax after it repeatedly failed to correct inaccurate information on his credit report, including incorrect personal identifying information and credit accounts that did not belong to him. Despite his disputes, Equifax continued to report the inaccurate information. \nOutcome : The court ruled in favor of XXXX, holding that Equifax willfully violated the Fair Credit Reporting Act ( FCRA ) by failing to reinvestigate and correct the disputed information. XXXX was awarded damages for Equifax 's noncompliance with FCRA obligations. \nXXXX. XXXX v. Equifax Information Services, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) XXXX : XXXX XXXX XXXX filed a lawsuit against Equifax for reporting inaccurate information on her credit report. Despite her disputes and providing evidence that the information was incorrect, Equifax failed to correct the errors. \nOutcome : The court found that Equifax violated the FCRA by not properly investigating the dispute and failing to ensure the accuracy of the reported information. XXXX was awarded damages as a result. \nViolation of the XXXX XXXX XXXX Reform and Consumer Protection Act The CFPB was established under the XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX ( Pub.L. XXXX, XXXX. XXXX ) with the express purpose of protecting consumers from unfair, deceptive, or abusive acts or practices in the financial marketplace. By not ensuring that credit reporting agencies comply with the FCRA, the CFPB is failing in its statutory duty under XXXX to protect consumers. \nThe inaction on the part of the CFPB not only undermines the trust that consumers have in the financial system but also contributes to the perpetuation of systemic errors that have far-reaching consequences for individuals financial health.","date_sent_to_company":"2024-08-19T18:55:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60477","tags":null,"has_narrative":true,"complaint_id":"9843877","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-19T18:17:52.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em> I made a complaint via the cfpb about <em>EQUIFAX</em> not correcting an <em>existing</em> <em>problem</em> with reporting inaccurate and unverified information AFTER A DISPUTE <em>Equifax</em> <em>responded</em> through the CFPB portal that every account I listed came back VERIFIED. I want to know how that could be when it shows on my <em>Equifax</em> credit report that THE DATE OF FIRST DELINQUENCY FOR <em>XXXX</em> <em>XXXX</em> {$1000.00}, IS XX/XX/<em>XXXX</em> but reports no data for the entire year of <em>XXXX</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[10.374092,"9843877"]},{"_index":"complaint-public-v1","_id":"9845592","_score":10.3634205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverified information on my credit report. Despite my repeated disputes and requests for reinvestigation, Equifax has failed to correct or remove this inaccurate information as required by 15 U.S.C. 1681i ( a ). Their continued reporting of this incorrect data is causing significant harm to my creditworthiness and financial stability. Despite these clear legal requirements, I have observed that the CFPB has FAILED to hold these credit reporting agencies ACCOUNTABLE for ongoing violations of these provisions. In many instances, inaccurate and unverified information remains on consumer credit reports, causing significant harm to consumers credit scores, financial stability, and overall well-being. The CFPBs failure to ENFORCE these laws effectively allows credit reporting agencies to act with impunity, ignoring the rights of consumers under the FCRA. In XX/XX/XXXX I made a complaint via the cfpb about EQUIFAX not correcting an existing problem with reporting inaccurate and unverified information AFTER A DISPUTE Equifax responded through the CFPB portal that every account I listed came back VERIFIED. I want to know how that could be when it shows on my Equifax credit report that THE DATE OF FIRST DELINQUENCY FOR XXXX XXXX {$1000.00}, IS XX/XX/XXXX but reports no data for the entire year of XXXX. It shows the first major delinquency is XX/XX/XXXX but not only does it show no data, but I also received a letter on XX/XX/XXXX showing a {$0.00} balance as of XX/XX/XXXX. ON the payment status it shows a charge off in XXXX XXXX. Last payment date for XXXX shows XX/XX/XXXX but Equifax shows XX/XX/XXXX. How can any bureau report that it's a charge off for XX/XX/XXXX when my letter shows a paid in full account from the original creditor in XX/XX/XXXX. XXXX XXXX- {$2200.00} Equifax XXXX DATE OF FIRST DELINQUENCY is XX/XX/XXXX but payment status shows the account being charged off in XXXX. EQUIFAX also shows XXXX and XXXX Showing the account being 150 days late? HOW could BOTH MONTHS be late 150 days? no data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This account shows 120 days late in XXXX and XXXX FOR XXXX how is that 'VERIFIED ''? XXXX XXXX- {$3600.00}, Shows date of first delinquency ON EQUIFAX XXXX XX/XX/XXXX but credit report status shows XX/XX/XXXX, It shows no data from XXXX XXXX no data XXXX, its reported-ON TIME PAYMENTS ON XXXX CREDIT REPORT from XXXX XX/XX/XXXX, no data from XXXX. IF ITS VERIFIED THEN HOW COULD THIS ACCOUNT SHOW A CHARGE OFF FROM XXXX XXXX TO XXXX XXXX FOR XXXX BUT ON EQUIFAX IT SHOWS XXXX AS A COLLECTION? inconsistent and obviously not verified properly. XXXX XXXX- {$1700.00} Equifax is reporting LAST PAYMENT DATE XX/XX/XXXX XXXX is showing XX/XX/XXXX. XXXX and XXXX show account is paid, and Equifax shows its derogatory. If the last payment was reported on my CR on XX/XX/XXXX, why does it show no data? XXXX XXXX {$1600.00} shows DATE OF FIRST DELINQUENCY XX/XX/XXXX but shows no data for the payment status for the whole year in XXXX. It shows the last payment is XX/XX/XXXX but on my Equifax credit report it reports as a charged off account. I also have a letter from XXXX XXXX reporting a {$0.00} balance and nowhere in the letter did it say the account was charged off with a balance of {$1600.00}. XXXX XXXX XXXXXXXX {$1200.00} Shows date of last payment as XX/XX/XXXX on my Equifax report but XX/XX/XXXX on my XXXX report. It reports DATE OF FIRST DELINQUENCY IS XX/XX/XXXX on Equifax but payment status shows no data for the year XXXX? Furthermore, it shows {$1200.00} CHARGED OFF and DATE OF FIRST DELIQUENCY IS XX/XX/XXXX on my Equifax credit report but my letter shows that the account was paid in full of a {$0.00} balance as of XX/XX/XXXX. HOW CAN AN ACCOUNT SHOW WRITTEN OFF, CHARGE OFF WITH A BALANCE but the letter says paid in full? XXXX XXXX XXXX- {$1400.00} is Reporting to my Equifax XXXX the PAST DUE payments for XXXX but on XXXX it shows on time payments from XXXX, XXXX Equifax is reporting the account as CHARGED XXXX. XXXX shows DATE OF LAST PAYMENT IS XX/XX/XXXX, Equifax says last payment is XX/XX/XXXX. It shows on Equifax the DATE OF FIRST DELINQUENCY XX/XX/XXXX BUT THE PAYMENT STATUS SHOWS THE DATE AS XX/XX/XXXX BEING FIRST DELIQUENCY. XXXX and XXXX show account status as paid but Equifax shows DEROGATORY. Equifax is reporting XXXX and XXXX is past due for 150 days how could both months be past due 150 days? Did you verify these inaccuracies? XXXX XXXX XXXX- {$20000.00} show the account as PAST DUE for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on Equifax but on XXXX is ON TIME PAYMENTS. It shows NO DATA for the rest of the calendar year. How is that possible if the account was verified as a charged off account? It shows DATE OF LAST PAYMENT on Equifax XX/XX/XXXX but XX/XX/XXXX on XXXX. It shows high credit of {$23000.00} for XXXX but {$20000.00} for Equifax. NOT TO MENTION I AM A VICTIM OF THE EQUIFAX DATA BREACH. I DID REAL INTENSIVE RESEARCH ON ALL ACCOUNTS THAT ARE NOT CONSISTENTLY REPORTING AND I HAVE ALREADY CONTACTED MY GENERAL ATTORNEY ON THIS MATTER! \nEquifaxs actions are in clear violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Failing to ensure maximum possible accuracy.\n\n15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a proper reinvestigation of disputed information.\n\n15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) : Failing to promptly correct or delete inaccurate or unverifiable information. \nXXXX. XXXX v. Equifax Information Services, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX : XXXX XXXX sued Equifax after it repeatedly failed to correct inaccurate information on his credit report, including incorrect personal identifying information and credit accounts that did not belong to him. Despite his disputes, Equifax continued to report the inaccurate information. \nOutcome : The court ruled in favor of XXXX, holding that Equifax willfully violated the Fair Credit Reporting Act ( FCRA ) by failing to reinvestigate and correct the disputed information. XXXX was awarded damages for Equifax 's noncompliance with FCRA obligations. \nXXXX. XXXX v. Equifax Information Services, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX. XXXX XXXX ) XXXX : XXXX XXXX XXXX filed a lawsuit against Equifax for reporting inaccurate information on her credit report. Despite her disputes and providing evidence that the information was incorrect, Equifax failed to correct the errors. \nOutcome : The court found that Equifax violated the FCRA by not properly investigating the dispute and failing to ensure the accuracy of the reported information. XXXX was awarded damages as a result. \nViolation of the Dodd-Frank Wall Street Reform and Consumer Protection Act The CFPB was established under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 ( Pub.L. 111203, H.R. 4173 ) with the express purpose of protecting consumers from unfair, deceptive, or abusive acts or practices in the financial marketplace. By not ensuring that credit reporting agencies comply with the FCRA, the CFPB is failing in its statutory duty under Dodd-Frank to protect consumers.\n\nThe inaction on the part of the CFPB not only undermines the trust that consumers have in the financial system but also contributes to the perpetuation of systemic errors that have far-reaching consequences for individuals financial health.","date_sent_to_company":"2024-08-19T18:55:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60477","tags":null,"has_narrative":true,"complaint_id":"9845592","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-19T18:55:41.000Z","state":"IL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["In XX/XX/<em>XXXX</em> I made a complaint via the cfpb about <em>EQUIFAX</em> not correcting an <em>existing</em> <em>problem</em> with reporting inaccurate and unverified information AFTER A DISPUTE <em>Equifax</em> <em>responded</em> through the CFPB portal that every account I listed came back VERIFIED. I want to know how that could be when it shows on my <em>Equifax</em> credit report that THE DATE OF FIRST DELINQUENCY FOR <em>XXXX</em> <em>XXXX</em> {$1000.00}, IS XX/XX/<em>XXXX</em> but reports no data for the entire year of <em>XXXX</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[10.3634205,"9845592"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":39,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":39}]}},"product":{"doc_count":39,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":25,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":24},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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