{"took":185,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15586,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11987063","_score":12.303858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I filed an identity fraud complaint, which permanently removed a fraudulent XXXX XXXX XXXX account from my credit report. This account, which had an alleged balance of approximately {$14000.00}, was removed after it was determined to be the result of identity theft. Despite the confirmed deletion, I recently discovered it had been reinserted into my credit report without any notification or proper investigation. \n\nI had taken the appropriate steps by filing the initial identity fraud complaint ( CFPB Complaint ID XXXX ), which was closed on XX/XX/year>. The reappearance of this account is a clear violation of the Fair Credit Reporting Act, as it should have remained permanently deleted. I have not received any correspondence explaining this reinsertion, nor have I been allowed to dispute it again through the proper channels. \n\nDue to these issues, I am now escalating the matter and requesting that the account be permanently removed in compliance with FCRA requirements.","date_sent_to_company":"2025-02-07T18:41:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76549","tags":"Servicemember","has_narrative":true,"complaint_id":"11987063","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-07T18:27:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I filed an identity fraud complaint, which <em>permanently</em> <em>removed</em> a fraudulent XXXX XXXX XXXX <em>account</em> from my <em>credit</em> report. This <em>account</em>, which had an alleged balance of approximately {$14000.00}, was <em>removed</em> after it was determined to be the result of identity theft. Despite the confirmed deletion, I recently discovered it had been reinserted into my <em>credit</em> report without any notification or proper <em>investigation</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.303858,"11987063"]},{"_index":"complaint-public-v1","_id":"6950224","_score":12.29558,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.","date_sent_to_company":"2023-05-09T14:35:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46239","tags":null,"has_narrative":true,"complaint_id":"6950224","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-09T14:14:56.000Z","state":"IN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am kindly requesting that you <em>investigate</em> and promptly take necessary action to <em>remove</em> the fraudulent <em>accounts</em> from my <em>credit</em> report. I urge you to ensure that they are <em>permanently</em> <em>removed</em> and do not resurface in the future."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.29558,"6950224"]},{"_index":"complaint-public-v1","_id":"6950522","_score":12.295508,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.","date_sent_to_company":"2023-05-09T14:02:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60477","tags":null,"has_narrative":true,"complaint_id":"6950522","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-09T13:53:06.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am kindly requesting that you <em>investigate</em> and promptly take necessary action to <em>remove</em> the fraudulent <em>accounts</em> from my <em>credit</em> report. I urge you to ensure that they are <em>permanently</em> <em>removed</em> and do not resurface in the future."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.295508,"6950522"]},{"_index":"complaint-public-v1","_id":"6950242","_score":12.273464,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.","date_sent_to_company":"2023-05-09T14:35:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46239","tags":null,"has_narrative":true,"complaint_id":"6950242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-09T14:15:34.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am kindly requesting that you <em>investigate</em> and promptly take necessary action to <em>remove</em> the fraudulent <em>accounts</em> from my <em>credit</em> report. I urge you to ensure that they are <em>permanently</em> <em>removed</em> and do not resurface in the future."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.273464,"6950242"]},{"_index":"complaint-public-v1","_id":"6950226","_score":12.272593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.","date_sent_to_company":"2023-05-09T14:35:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"46239","tags":null,"has_narrative":true,"complaint_id":"6950226","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-09T14:18:47.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am kindly requesting that you <em>investigate</em> and promptly take necessary action to <em>remove</em> the fraudulent <em>accounts</em> from my <em>credit</em> report. I urge you to ensure that they are <em>permanently</em> <em>removed</em> and do not resurface in the future."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.272593,"6950226"]},{"_index":"complaint-public-v1","_id":"14541604","_score":12.0960865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a clear case of Identity Theft, I request that these items be immediately permanently remove/deleted from my credit report. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately. I will not tolerate inaccurate, damaging, and unauthorized data remaining on my report. Please Remove these fraudulent accounts and inquiries now. \" I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.","date_sent_to_company":"2025-07-09T19:49:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32829","tags":null,"has_narrative":true,"complaint_id":"14541604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-09T19:46:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I demand that these items be <em>investigated</em> and <em>permanently</em> <em>removed</em> from my <em>credit</em> report immediately. I will not tolerate inaccurate, damaging, and unauthorized data remaining on my report. Please <em>Remove</em> these fraudulent <em>accounts</em> and inquiries now. \" I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY <em>CREDIT</em> REPORTS ''."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.0960865,"14541604"]},{"_index":"complaint-public-v1","_id":"14540349","_score":12.0960865,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a clear case of Identity Theft, I request that these items be immediately permanently remove/deleted from my credit report. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. I did not open these accounts nor did I apply for any credit that would justify these hard inquiries. This is a clear case of identity theft. I demand that these items be investigated and permanently removed from my credit report immediately. I will not tolerate inaccurate, damaging, and unauthorized data remaining on my report. Please Remove these fraudulent accounts and inquiries now. \" I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.","date_sent_to_company":"2025-07-09T19:49:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32829","tags":null,"has_narrative":true,"complaint_id":"14540349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-09T19:44:45.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I demand that these items be <em>investigated</em> and <em>permanently</em> <em>removed</em> from my <em>credit</em> report immediately. I will not tolerate inaccurate, damaging, and unauthorized data remaining on my report. Please <em>Remove</em> these fraudulent <em>accounts</em> and inquiries now. \" I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY <em>CREDIT</em> REPORTS ''."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.0960865,"14540349"]},{"_index":"complaint-public-v1","_id":"15808685","_score":11.986914,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had a Collection with XXXX XXXX XXXX that was removed by XXXX after investigation, but Experian continues to report the same account. This creates inconsistent and inaccurate reporting across credit bureaus. I am requesting Experian to remove this account as it has already been deleted by XXXX, proving it is inaccurate or unverifiable. The continues reporting is misleading to my credit profile, and violates the Fair Credit Reporting Act ( FCRA ). Please investigate and ensure the account is permanently deleted.","date_sent_to_company":"2025-09-11T13:54:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"22554","tags":"Servicemember","has_narrative":true,"complaint_id":"15808685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-10T05:41:19.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>investigate</em> and ensure the <em>account</em> is <em>permanently</em> deleted."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.986914,"15808685"]},{"_index":"complaint-public-v1","_id":"5613315","_score":11.9661045,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 2 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing I see on my consumer report is certain accounts creditor remarks have changed to \" Customer disputed account '' but I was never informed of investigation, nothing was ever removed and/or continued to be inaccurate. In prior months there was no creditor remarks so the disputes are being received I'm just not being informed of results. They have also failed to do a proper investigation and resolve the issue. I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I have names on my report that do not belong to me, as per the FCRA and Metro 2 Compliance must be deleted. I have listed accounts the accounts that are appearing inaccurately on my credit file below : XXXX XXXXAcct # XXXX the high balance is wrong. The account is inaccurate and unverified. This account needs to be PERMANENTLY removed from my credit file XXXX # XXXX This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. \nXXXX XXXX/Acct # XXXX High balance {$1600.00}. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. \nXXXX XXXX/Acct # XXXX High balance {$1900.00}. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. \nXXXX XXXX/Acct # XXXX. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. \nXXXX XXXX # XXXX. This account is inaccurate and unverified. The account is closed yet there is no closed date reporting. This account needs to be PERMANENTLY removed from my credit file for failing to meet FCRA guidelines and Metro 2 Compliance. \nThere are also multiple inquiries which lack certifiable evidence of lawful permissible purpose.","date_sent_to_company":"2022-05-31T05:19:42.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32311","tags":null,"has_narrative":true,"complaint_id":"5613315","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-31T04:42:16.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have listed <em>accounts</em> the <em>accounts</em> that are appearing inaccurately on my <em>credit</em> file below : XXXX XXXXAcct # XXXX the high balance is wrong. The <em>account</em> is inaccurate and unverified. This <em>account</em> needs to be <em>PERMANENTLY</em> <em>removed</em> from my <em>credit</em> file XXXX # XXXX This <em>account</em> is inaccurate and unverified. The <em>account</em> is closed yet there is no closed date reporting. This <em>account</em> needs to be <em>PERMANENTLY</em> <em>removed</em> from my <em>credit</em> file for failing to meet FCRA guidelines and Metro 2 Compliance."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[11.9661045,"5613315"]},{"_index":"complaint-public-v1","_id":"14684182","_score":11.938676,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EQUIFAX IS ILLEGALLY RE- AGING PORTFOLIO ACCOUNT. Equifax previously confirmed that it would remove an account from XXXX XXXX XXXX from my credit report. Despite this written confirmation, the account was not fully removed. Instead, it was modified and still appears on my report with a false \" updated '' date of XX/XX/year>, which makes it seem as though the debt is recent. \n\nThis is deceptive, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), specifically provisions prohibiting re-aging of old debt. I have no contract or obligation with XXXX XXXX XXXX, and this debt is not mine. \n\nEquifaxs conduct in updating a deleted account with a misleading 2024 date is not only a violation of the FCRA but also damages my credit standing. I am requesting the CFPB investigate this matter and ensure Equifax permanently deletes the account as promised. \n\n\n\nPermanent deletion of the XXXX XXXX XXXX account. \n\nConfirmation of the deletion in writing. \n\nSanctions or further investigation if Equifax is found to be illegally re-aging accounts.","date_sent_to_company":"2025-07-16T19:16:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"170XX","tags":null,"has_narrative":true,"complaint_id":"14684182","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T19:13:14.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Permanent</em> deletion of the XXXX XXXX XXXX <em>account</em>. \n\nConfirmation of the deletion in writing. \n\nSanctions or further <em>investigation</em> if Equifax is found to be illegally re-aging <em>accounts</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.938676,"14684182"]},{"_index":"complaint-public-v1","_id":"12377288","_score":11.918683,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to properly investigate, remove, and permanently block fraudulent accounts, addresses, inquiries, and employer data from my credit reports. Despite multiple written disputes and the submission of supporting documentation, these credit bureaus continue to report fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and other federal consumer protection laws. \n\nViolations Committed by Equifax, Experian, and TransUnion Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681i Credit bureaus must investigate disputes within 30 days ( or 45 days if additional information is submitted ). They failed to complete a proper investigation within this timeframe. \nFailure to Remove Fraudulent Accounts 15 U.S.C. 1681c-2 Under FCRA, the credit bureaus must block fraudulent information within four business days upon receiving an identity theft report. They failed to comply. \nFailure to Prevent the Reappearance of Fraudulent Data 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Despite my disputes, fraudulent information continues to be reinserted into my reports without proper verification. \nFailure to Notify Me of Reinvestigation Results 15 U.S.C. 1681i ( a ) ( 6 ) The bureaus failed to provide me with written results of their reinvestigation and the reasons for their decision. \nFailure to Provide Identity Theft Protections 15 U.S.C. 1681g ( e ) The credit bureaus failed to properly mark my file as fraud-related, exposing me to further harm. \nFailure to Comply with Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 They failed to protect my financial data, allowing fraudulent accounts, addresses, and employer records to remain active. \nViolations of the Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX The continued reporting of fraudulent accounts despite a police report facilitates criminal activity. \nFraudulent Accounts to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Linked Fraudulently ) Fraudulent Employers to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to be Removed & Permanently Blocked ( Include all fraudulent credit inquiries appearing on your reportlet me know if you want me to add specific details here. ) Requested Relief & Enforcement Actions Due to the continued violations of FCRA, GLBA, and federal consumer protection laws, I demand the following immediate enforcement actions from the CFPB : Immediate and Permanent Removal of all fraudulent accounts, addresses, employers, and credit inquiries. \nMandatory Investigation into the credit bureaus noncompliance with federal law.\n\nCivil Penalties and Fines against Equifax, Experian, and TransUnion for their violations. \nA Written Confirmation from each bureau verifying the permanent deletion of all fraudulent information. \nImplementation of Stronger Identity Theft Safeguards to prevent unauthorized reinsertion of fraudulent data. \nFailure to comply will result in further legal action, including a federal lawsuit and additional complaints with the Federal Trade Commission ( FTC ), U.S. Attorney General 's Office, and State Consumer Protection Agencies. \n\nI expect a written response within 30 days, per CFPB and FCRA regulations. \n\nSincerely,","date_sent_to_company":"2025-03-09T05:45:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33647","tags":null,"has_narrative":true,"complaint_id":"12377288","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-09T05:45:04.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to properly <em>investigate</em>, <em>remove</em>, and <em>permanently</em> block fraudulent <em>accounts</em>, addresses, inquiries, and employer data from my <em>credit</em> reports."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.918683,"12377288"]},{"_index":"complaint-public-v1","_id":"12377389","_score":11.89966,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to properly investigate, remove, and permanently block fraudulent accounts, addresses, inquiries, and employer data from my credit reports. Despite multiple written disputes and the submission of supporting documentation, these credit bureaus continue to report fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and other federal consumer protection laws. \n\nViolations Committed by Equifax, Experian, and TransUnion Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681i Credit bureaus must investigate disputes within 30 days ( or 45 days if additional information is submitted ). They failed to complete a proper investigation within this timeframe. \nFailure to Remove Fraudulent Accounts 15 U.S.C. 1681c-2 Under FCRA, the credit bureaus must block fraudulent information within four business days upon receiving an identity theft report. They failed to comply. \nFailure to Prevent the Reappearance of Fraudulent Data 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Despite my disputes, fraudulent information continues to be reinserted into my reports without proper verification. \nFailure to Notify Me of Reinvestigation Results 15 U.S.C. 1681i ( a ) ( 6 ) The bureaus failed to provide me with written results of their reinvestigation and the reasons for their decision. \nFailure to Provide Identity Theft Protections 15 U.S.C. 1681g ( e ) The credit bureaus failed to properly mark my file as fraud-related, exposing me to further harm. \nFailure to Comply with Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 They failed to protect my financial data, allowing fraudulent accounts, addresses, and employer records to remain active. \nViolations of the Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX The continued reporting of fraudulent accounts despite a police report facilitates criminal activity. \nFraudulent Accounts to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Linked Fraudulently ) Fraudulent Employers to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to be Removed & Permanently Blocked ( Include all fraudulent credit inquiries appearing on your reportlet me know if you want me to add specific details here. ) Requested Relief & Enforcement Actions Due to the continued violations of FCRA, GLBA, and federal consumer protection laws, I demand the following immediate enforcement actions from the CFPB : Immediate and Permanent Removal of all fraudulent accounts, addresses, employers, and credit inquiries. \nMandatory Investigation into the credit bureaus noncompliance with federal law.\n\nCivil Penalties and Fines against Equifax, Experian, and TransUnion for their violations. \nA Written Confirmation from each bureau verifying the permanent deletion of all fraudulent information. \nImplementation of Stronger Identity Theft Safeguards to prevent unauthorized reinsertion of fraudulent data. \nFailure to comply will result in further legal action, including a federal lawsuit and additional complaints with the Federal Trade Commission ( FTC ), U.S. Attorney General 's Office, and State Consumer Protection Agencies. \n\nI expect a written response within 30 days, per CFPB and FCRA regulations. \n\nSincerely,","date_sent_to_company":"2025-03-09T05:45:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33647","tags":null,"has_narrative":true,"complaint_id":"12377389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-09T05:21:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to properly <em>investigate</em>, <em>remove</em>, and <em>permanently</em> block fraudulent <em>accounts</em>, addresses, inquiries, and employer data from my <em>credit</em> reports."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.89966,"12377389"]},{"_index":"complaint-public-v1","_id":"12377289","_score":11.895268,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to properly investigate, remove, and permanently block fraudulent accounts, addresses, inquiries, and employer data from my credit reports. Despite multiple written disputes and the submission of supporting documentation, these credit bureaus continue to report fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and other federal consumer protection laws. \n\nViolations Committed by Equifax, Experian, and TransUnion Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681i Credit bureaus must investigate disputes within 30 days ( or 45 days if additional information is submitted ). They failed to complete a proper investigation within this timeframe. \nFailure to Remove Fraudulent Accounts 15 U.S.C. 1681c-2 Under FCRA, the credit bureaus must block fraudulent information within four business days upon receiving an identity theft report. They failed to comply. \nFailure to Prevent the Reappearance of Fraudulent Data 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Despite my disputes, fraudulent information continues to be reinserted into my reports without proper verification. \nFailure to Notify Me of Reinvestigation Results 15 U.S.C. 1681i ( a ) ( 6 ) The bureaus failed to provide me with written results of their reinvestigation and the reasons for their decision. \nFailure to Provide Identity Theft Protections 15 U.S.C. 1681g ( e ) The credit bureaus failed to properly mark my file as fraud-related, exposing me to further harm. \nFailure to Comply with Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 They failed to protect my financial data, allowing fraudulent accounts, addresses, and employer records to remain active. \nViolations of the Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX The continued reporting of fraudulent accounts despite a police report facilitates criminal activity. \nFraudulent Accounts to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Linked Fraudulently ) Fraudulent Employers to be Removed & Permanently Blocked XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries to be Removed & Permanently Blocked ( Include all fraudulent credit inquiries appearing on your reportlet me know if you want me to add specific details here. ) Requested Relief & Enforcement Actions Due to the continued violations of FCRA, GLBA, and federal consumer protection laws, I demand the following immediate enforcement actions from the CFPB : Immediate and Permanent Removal of all fraudulent accounts, addresses, employers, and credit inquiries. \nMandatory Investigation into the credit bureaus noncompliance with federal law.\n\nCivil Penalties and Fines against Equifax, Experian, and TransUnion for their violations. \nA Written Confirmation from each bureau verifying the permanent deletion of all fraudulent information. \nImplementation of Stronger Identity Theft Safeguards to prevent unauthorized reinsertion of fraudulent data. \nFailure to comply will result in further legal action, including a federal lawsuit and additional complaints with the Federal Trade Commission ( FTC ), U.S. Attorney General 's Office, and State Consumer Protection Agencies. \n\nI expect a written response within 30 days, per CFPB and FCRA regulations. \n\nSincerely,","date_sent_to_company":"2025-03-09T05:45:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33647","tags":null,"has_narrative":true,"complaint_id":"12377289","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-09T05:45:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to properly <em>investigate</em>, <em>remove</em>, and <em>permanently</em> block fraudulent <em>accounts</em>, addresses, inquiries, and employer data from my <em>credit</em> reports."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.895268,"12377289"]},{"_index":"complaint-public-v1","_id":"14534443","_score":11.868052,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Despite submitting a formal dispute to the credit bureau and creditor, this fraudulent account has not been permanently removed. Under 15 U.S. Code 1681i, the credit bureau is obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy of an item on their credit report. \n\nGiven that this account was opened using information likely exposed in the Equifax data breach, I request the immediate and permanent deletion of the fraudulent account from all credit reporting agencies. I am also requesting that the original creditor conduct a full fraud investigation in accordance with 15 U.S.C. 1681s-2.","date_sent_to_company":"2025-07-08T21:47:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30016","tags":"Servicemember","has_narrative":true,"complaint_id":"14534443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T21:46:40.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite submitting a formal dispute to the <em>credit</em> bureau and creditor, this fraudulent <em>account</em> has not been <em>permanently</em> <em>removed</em>. Under 15 U.S. Code 1681i, the <em>credit</em> bureau is obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy of an item on their <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.868052,"14534443"]},{"_index":"complaint-public-v1","_id":"3752068","_score":11.827897,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.","date_sent_to_company":"2020-07-18T23:44:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"3752068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-18T23:44:02.000Z","state":"SC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["AFTER REVIEWING MY <em>CREDIT</em> REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY <em>CREDIT</em> FILE. THESE <em>ACCOUNTS</em> ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN <em>INVESTIGATION</em> INTO THIS MATTER TO HAVE THOSE <em>ACCOUNTS</em> <em>PERMANENTLY</em> <em>REMOVED</em> OFF MY <em>CREDIT</em> FILE."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.827897,"3752068"]},{"_index":"complaint-public-v1","_id":"14535140","_score":11.81464,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Despite submitting a formal dispute to the credit bureau and creditor, this fraudulent account has not been permanently removed. Under 15 U.S. Code 1681i, the credit bureau is obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy of an item on their credit report.\n\nGiven that this account was opened using information likely exposed in the XXXX  data breach, I request the immediate and permanent deletion of the fraudulent account from all credit reporting agencies. I am also requesting that the original creditor conduct a full fraud investigation in accordance with 15 U.S.C. 1681s-2.","date_sent_to_company":"2025-07-08T21:47:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30016","tags":"Servicemember","has_narrative":true,"complaint_id":"14535140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CredHub, Inc","date_received":"2025-07-08T21:35:14.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite submitting a formal dispute to the <em>credit</em> bureau and creditor, this fraudulent <em>account</em> has not been <em>permanently</em> <em>removed</em>. Under 15 U.S. Code 1681i, the <em>credit</em> bureau is obligated to conduct a reasonable reinvestigation if a consumer disputes the accuracy of an item on their <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.81464,"14535140"]},{"_index":"complaint-public-v1","_id":"3543215","_score":11.811767,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"This account belonged to XXXX  XXXX XXXX  and has not provided the correct balance regarding this account.I received a letter and a spoke with a representative sometime inXX/XX/XXXX-XX/XX/XXXX and was advised that all of the transactions were credited and that they did update my credit report to remove the late reporting for the fraud charges, agreed to close the account and issued permanent refund. Then I received a bill huge bill and I had no Idea of why. This merchant agreed to do a reasonable investigation for fraud that was done on my account. They removed fraud charges, agents advised that the credits were permanent. The company also sent a letter stating that the the past due history was updated and all fraud charges were removed. XXXX XXXX also agreed to delete the account. However, XXXX XXXX sold the account again and there is a claim that there is a balance of {$800.00} for a credit limit that was only {$400.00}. My fees and interest have not been properly issue doing the investigation and nor did they dispute all of the charges as being fraudulent. In XX/XX/XXXXthey did agree and removed the XXXX XXXX account but now there is a company that I did also advise that I should not responsible for this account due to the fraud that was done because the card was lost/stolen.","date_sent_to_company":"2020-02-25T08:58:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"23112","tags":null,"has_narrative":true,"complaint_id":"3543215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2020-02-25T03:44:08.000Z","state":"VA","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["This merchant agreed to do a reasonable <em>investigation</em> for fraud that was done on my <em>account</em>. They <em>removed</em> fraud charges, agents advised that the <em>credits</em> were <em>permanent</em>. The company also sent a letter stating that the the past due history was updated and all fraud charges were <em>removed</em>. XXXX XXXX also agreed to delete the <em>account</em>. However, XXXX XXXX sold the <em>account</em> again and there is a claim that there is a balance of {$800.00} for a <em>credit</em> limit that was only {$400.00}."],"product":["<em>Credit</em> card or prepaid card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[11.811767,"3543215"]},{"_index":"complaint-public-v1","_id":"21109907","_score":11.806523,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute an inaccurate account that has reappeared on my credit report through XXXX XXXX. The account in question is with XXXX. This account does not belong to me. I previously disputed this account, and it was removed from my credit report. However, it has recently reappeared on my credit file through XXXX XXXX, which is both concerning and frustrating. I would like to emphasize the following : I did not open or authorize this XXXX account. The account was previously investigated and removed. It was reappearance back on my credit report. It reappear back on credit bureau XXXX  which a new debt collector company Harris & Harris LTD that show on my XXXX XXXX. I tried to dispute it but there was't there for that account to choose from to pick to dispute it. I suggests an error or improper reporting by the phone company and the debt collector Harris & Harris , LTD . I respectfully request that this matter be investigated promptly. Specifically, I ask that The account be verified for accuracy and ownership. If it can not be properly verified, it be permanently removed from my credit report. Steps be taken to ensure this account does not reappear in the future. Please investigate this account and remove this account from my credit report permanently from my credit report. I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-04-09T22:33:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"503XX","tags":null,"has_narrative":true,"complaint_id":"21109907","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2026-04-09T21:47:31.000Z","state":"IA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Specifically, I ask that The <em>account</em> be verified for accuracy and ownership. If it can not be properly verified, it be <em>permanently</em> <em>removed</em> from my <em>credit</em> report. Steps be taken to ensure this <em>account</em> does not reappear in the future. Please <em>investigate</em> this <em>account</em> and <em>remove</em> this <em>account</em> from my <em>credit</em> report <em>permanently</em> from my <em>credit</em> report. I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my <em>credit</em> report. \n\nSincerely, XXXX XXXX"]},"sort":[11.806523,"21109907"]},{"_index":"complaint-public-v1","_id":"2669873","_score":11.793987,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I submitted proof of payment for a check that was accepted by XXXX XXXX to Equifax, the check had a restrictive endorsement statement on it. The statement said \" cashing means an agreement to permanently remove account from my credit report ''. Instead of Equifax removing the account, they updated the balance of the account and did not investigate the actual dispute, which was that the account must be removed, since the check was accepted for payment.","date_sent_to_company":"2017-09-12T13:40:56.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"285XX","tags":null,"has_narrative":true,"complaint_id":"2669873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T13:33:57.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The statement said \" cashing means an agreement to <em>permanently</em> <em>remove</em> <em>account</em> from my <em>credit</em> report ''. Instead of Equifax <em>removing</em> the <em>account</em>, they updated the balance of the <em>account</em> and did not <em>investigate</em> the actual dispute, which was that the <em>account</em> must be <em>removed</em>, since the check was accepted for payment."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[11.793987,"2669873"]},{"_index":"complaint-public-v1","_id":"3752441","_score":11.780603,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.","date_sent_to_company":"2020-07-18T23:44:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"3752441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-07-18T23:44:02.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["AFTER REVIEWING MY <em>CREDIT</em> REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY <em>CREDIT</em> FILE. THESE <em>ACCOUNTS</em> ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN <em>INVESTIGATION</em> INTO THIS MATTER TO HAVE THOSE <em>ACCOUNTS</em> <em>PERMANENTLY</em> <em>REMOVED</em> OFF MY <em>CREDIT</em> FILE."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.780603,"3752441"]},{"_index":"complaint-public-v1","_id":"3752067","_score":11.780603,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN INVESTIGATION INTO THIS MATTER TO HAVE THOSE ACCOUNTS PERMANENTLY REMOVED OFF MY CREDIT FILE.","date_sent_to_company":"2020-07-18T23:43:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29229","tags":null,"has_narrative":true,"complaint_id":"3752067","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-18T22:34:23.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["AFTER REVIEWING MY <em>CREDIT</em> REPORT, I HAVE IDENTIFIED INACCURATE ITEMS THAT HAVE CAUSED SEVERE DAMAGE TO MY <em>CREDIT</em> FILE. THESE <em>ACCOUNTS</em> ARE REPORTING INACCURATELY AND I WANT TO REQUEST AN <em>INVESTIGATION</em> INTO THIS MATTER TO HAVE THOSE <em>ACCOUNTS</em> <em>PERMANENTLY</em> <em>REMOVED</em> OFF MY <em>CREDIT</em> FILE."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.780603,"3752067"]},{"_index":"complaint-public-v1","_id":"12983176","_score":11.76231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that the XXXX XXXX XXXXXXXX account ( # XXXX ) be thoroughly investigated. Because the account is found to be inaccurate, unverifiable, or reported in error, I am requesting that it be corrected or permanently removed from my credit report with Equifax.","date_sent_to_company":"2025-04-15T00:19:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32819","tags":null,"has_narrative":true,"complaint_id":"12983176","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-15T00:19:07.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I am requesting that the XXXX XXXX XXXXXXXX <em>account</em> ( # XXXX ) be thoroughly <em>investigated</em>. Because the <em>account</em> is found to be inaccurate, unverifiable, or reported in error, I am requesting that it be corrected or <em>permanently</em> <em>removed</em> from my <em>credit</em> report with Equifax."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["<em>Credit</em> inquiries on your report that you don't recognize"]},"sort":[11.76231,"12983176"]},{"_index":"complaint-public-v1","_id":"14264033","_score":11.750899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently reviewed my credit file and was alarmed to discover multiple accounts that I have no knowledge of and did not authorize. I believe these accounts to be fraudulent and possibly the result of identity theft. I am writing to demand that these accounts be investigated and permanently removed from my credit report.","date_sent_to_company":"2025-06-24T20:57:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77433","tags":null,"has_narrative":true,"complaint_id":"14264033","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-24T20:55:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I recently reviewed my <em>credit</em> file and was alarmed to discover multiple <em>accounts</em> that I have no knowledge of and did not authorize. I believe these <em>accounts</em> to be fraudulent and possibly the result of identity theft. I am writing to demand that these <em>accounts</em> be <em>investigated</em> and <em>permanently</em> <em>removed</em> from my <em>credit</em> report."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.750899,"14264033"]},{"_index":"complaint-public-v1","_id":"12246801","_score":11.733609,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters : A formal dispute of inaccurate information on my consumer reports from XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  and MicroBilt/PRBC. \nA request for a permanent security freeze and permanent opt-out on my consumer file. \nPart XXXX : Dispute of Inaccurate Information Upon reviewing my consumer reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). Below are the issues identified : Disputed Account XXXX Account Name : CREDIT COLLECTION SERV Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name CREDIT COLLECTION SERV. \nDisputed Account XXXX Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX \nI request a manual review of this information, as the inaccuracies require correction. I have attached copies of my reports with the incorrect information clearly marked. Please investigate and remove the inaccurate information from my reports, and notify me in writing of the results of your investigation. \n\nUnder the FCRA, I am entitled to a thorough and transparent investigation of my dispute. If the investigation is not conducted properly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.","date_sent_to_company":"2025-02-28T04:11:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30004","tags":null,"has_narrative":true,"complaint_id":"12246801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-02-28T04:11:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please <em>investigate</em> and <em>remove</em> the inaccurate information from my reports, and notify me in writing of the results of your <em>investigation</em>. \n\nUnder the FCRA, I am entitled to a thorough and transparent <em>investigation</em> of my dispute. If the <em>investigation</em> is not conducted properly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.733609,"12246801"]},{"_index":"complaint-public-v1","_id":"14954133","_score":11.688691,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am requesting that these accounts be investigated and permanently removed from my credit report as they are incorrect and not a valid reflection of my credit history. Please also place a fraud alert on my file to help prevent future misuse of my personal information. \nAttached are copies of my government-issued ID, proof of address, and a copy of my credit report with the fraudulent accounts highlighted for reference. 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