{"took":395,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":6271,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11666946","_score":15.909563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Equifax Non-Compliance with FCRA in Handling My Credit Report Disputes. \n\nI am writing to file a formal complaint against Equifax for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). \n\nDetails : Failure to Investigate Disputes : On XX/XX/year> and XX/XX/year> I submitted formal disputes to Equifax regarding inaccuracies in my credit report. Despite providing all necessary documentation, Equifax failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\nLack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Equifax did not provide this description within the 15-day timeframe mandated by the FCRA.\n\nThis lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Equifax practices and enforce adherence to federal regulations to protect consumers like myself.","date_sent_to_company":"2025-01-17T17:45:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"11666946","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-17T17:22:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I urge the CFPB to <em>investigate</em> Equifax <em>practices</em> and enforce adherence to federal regulations to protect consumers like myself."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.909563,"11666946"]},{"_index":"complaint-public-v1","_id":"11665451","_score":15.895082,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Failure to Investigate Disputes and Provide Procedure Descriptions Subject : Transunion Non-Compliance with FCRA in Handling My Credit Report Disputes. \n\nI am writing to file a formal complaint against Transunion for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). \n\n\nFailure to Investigate Disputes : On XX/XX/2024, XX/XX/2024 and XX/XX/2024 I submitted formal disputes to Transunion regarding inaccuracies in my credit report. Despite providing all necessary documentation, Transunion failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\nLack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Transunion did not provide this description within the 15-day timeframe mandated by the FCRA. \n\nThis lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Transunion practices and enforce adherence to federal regulations to protect consumers like myself.","date_sent_to_company":"2025-01-17T18:14:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"11665451","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-17T17:56:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I urge the CFPB to <em>investigate</em> Transunion <em>practices</em> and enforce adherence to federal regulations to protect consumers like myself."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.895082,"11665451"]},{"_index":"complaint-public-v1","_id":"11649605","_score":15.876629,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). \nDetails : Failure to Investigate Disputes : On [ insert date ], I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\nLack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the XXXX timeframe mandated by the FCRA. \nThis lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.","date_sent_to_company":"2025-01-18T03:42:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92782","tags":null,"has_narrative":true,"complaint_id":"11649605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T03:38:32.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This lack of compliance has caused significant distress and potential <em>financial</em> harm. I urge the CFPB to <em>investigate</em> Experian 's <em>practices</em> and enforce adherence to federal regulations to protect consumers like myself."]},"sort":[15.876629,"11649605"]},{"_index":"complaint-public-v1","_id":"11648577","_score":15.8583145,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). \n\nDetails : Failure to Investigate Disputes : On [ insert date ], I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nLack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian did not provide this description within the 15-day timeframe mandated by the FCRA. \n\nThis lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.","date_sent_to_company":"2025-01-18T03:06:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92782","tags":null,"has_narrative":true,"complaint_id":"11648577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T02:41:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This lack of compliance has caused significant distress and potential <em>financial</em> harm. I urge the CFPB to <em>investigate</em> Experian 's <em>practices</em> and enforce adherence to federal regulations to protect consumers like myself."]},"sort":[15.8583145,"11648577"]},{"_index":"complaint-public-v1","_id":"12130188","_score":15.422742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Experian 's Non-Compliance with FCRA in Handling My Credit Report Disputes Complain : I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). \nDetails : Failure to Investigate Disputes : On XX/XX/year>, I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\nLack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the 15-day timeframe mandated by the FCRA. \nThis lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.","date_sent_to_company":"2025-02-26T00:23:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78043","tags":null,"has_narrative":true,"complaint_id":"12130188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-20T00:51:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I urge the CFPB to <em>investigate</em> Experian 's <em>practices</em> and enforce adherence to federal regulations to protect consumers like myself."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[15.422742,"12130188"]},{"_index":"complaint-public-v1","_id":"11605193","_score":15.417983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act ( FCRA ). \nDetails : Failure to Investigate Disputes : On [ insert date ], I submitted a formal dispute to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).\n\nLack of Procedure Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Experian did not provide this description within the 15-day timeframe mandated by the FCRA.\n\nThis lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself. \n\nXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-21T07:43:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"725XX","tags":null,"has_narrative":true,"complaint_id":"11605193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T07:33:00.000Z","state":"AR","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":["This lack of compliance has caused significant distress and potential <em>financial</em> harm. I urge the CFPB to <em>investigate</em> Experian 's <em>practices</em> and enforce adherence to federal regulations to protect consumers like myself. \n\nXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[15.417983,"11605193"]},{"_index":"complaint-public-v1","_id":"10909490","_score":15.358935,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX, a transaction for {$63.00} was posted to my Chime account for services I did not receive from a can service. I promptly reported this unauthorized or disputed transaction to Chime. Despite this, no provisional credit has been applied to my account, as required under Regulation XXXX ( XXXX XXXX Transfer Act ). This failure has caused me financial hardship and dishonor. \n\n1. Regulation E ( 12 CFR 1005.11 - Procedures for Resolving Errors ) Financial institutions must investigate reported errors, provide provisional credit to the account within 10 business days, and conclude the investigation within 45 days. \n\nChimes failure to issue a provisional credit violates this regulation, especially as no safeguards or accurate verification of the dispute were undertaken. \n\n2. Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 et seq. ) This law protects consumers against unauthorized transactions. Financial institutions are required to respond promptly to disputes and safeguard account holders ' funds during investigations.\n\n3. Unfair or Deceptive Acts or Practices ( UDAP, Section 5 of the FTC Act ) Chimes failure to safeguard your account, resolve the dispute, or adhere to required protections may constitute an unfair or deceptive act.\n\n4. Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5531 ) Prohibits financial service providers from engaging in acts or practices that are abusive, deceptive, or unfair. Chimes handling of this dispute may fall under these provisions.\n\n5. Duty of Care in Financial Institutions Financial institutions are obligated to act in good faith and ensure their processes are fair, transparent, and diligent when dealing with disputes. Chimes actions ( or lack thereof ) breach this duty.","date_sent_to_company":"2024-11-24T00:01:55.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"10027","tags":null,"has_narrative":true,"complaint_id":"10909490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-11-23T23:43:50.000Z","state":"NY","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Despite this, no provisional credit has been applied to my account, as <em>required</em> under Regulation XXXX ( XXXX XXXX Transfer Act ). This failure has caused me <em>financial</em> hardship and dishonor. \n\n1. Regulation E ( 12 CFR 1005.11 - <em>Procedures</em> for Resolving Errors ) <em>Financial</em> institutions must <em>investigate</em> reported errors, provide provisional credit to the account within 10 business days, and conclude the <em>investigation</em> within 45 days."],"company":["Chime <em>Financial</em> Inc"]},"sort":[15.358935,"10909490"]},{"_index":"complaint-public-v1","_id":"10242210","_score":15.127536,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary : Failure to Block Fraudulent Information as Required by FCRA Section 605B, & Potential Pattern of Illegal Practices by XXXX XXXX Complaint Details : I submitted an identity theft report to Transunion on requesting that they block the fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section requires credit bureaus to block the disputed information within four business days upon receipt of an identity theft report while they conduct their investigation. \nInstead of following the required procedure, TransUnion treated my submission as a standard dispute and began a 30-day investigation process. They did not block the fraudulent items from my report as required within the four-day window. \n\nFurthermore, the fraudulent accounts in question are associated with XXXX XXXX ( XXXX ). It is important to note that XXXX XXXX has a documented history of engaging in illegal and deceptive practices, as demonstrated by a Consumer Financial Protection Bureau ( CFPB ) enforcement action that ordered XXXX to refund {$59.00} XXXX to over XXXX consumers due to illegal credit card practices. The CFPB found that XXXX used misleading and deceptive marketing tactics and imposed an additional {$9.00} XXXX in civil penalties. This history of fraudulent practices may suggest that the identity theft on my credit report could be part of their ongoing illegal behavior. \n\nAs a result of the credit bureau 's failure to block the fraudulent information and the potential involvement of XXXX XXXX in deceptive activities, I have suffered financial harm, including [ describe the financial impacts, such as denied credit applications, higher interest rates, loss of opportunity, etc. ]. I am requesting that the CFPB ensure that the credit bureau complies with FCRA Section 605B by blocking the fraudulent information immediately.","date_sent_to_company":"2024-09-25T18:59:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23223","tags":null,"has_narrative":true,"complaint_id":"10242210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-25T18:33:56.000Z","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":["This section <em>requires</em> credit bureaus to block the disputed information within four business days upon receipt of an identity theft report while they conduct their <em>investigation</em>. \nInstead of following the <em>required</em> <em>procedure</em>, TransUnion treated my submission as a standard dispute and began a 30-day <em>investigation</em> process. They did not block the fraudulent items from my report as <em>required</em> within the four-day window."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.127536,"10242210"]},{"_index":"complaint-public-v1","_id":"10358922","_score":15.068308,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary : Experians Failure to Block Fraudulent Information as Required by FCRA Section 605B, & Potential Pattern of Illegal Practices by Credence Resource Management : I submitted an identity theft report to Experian on XX/XX/year>, requesting that they block the fraudulent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. This section requires credit bureaus to block the disputed information within four business days upon receipt of an identity theft report while they conduct their investigation. Instead of following the required procedure, Experian treated my submission as a standard dispute and began a 30-day investigation process. They did not block the fraudulent items from my report as required within the four-day window. Furthermore, the fraudulent accounts in question are associated with. XXXX XXXX XXXX. It is important to note that they have a documented history of engaging in illegal and deceptive collection practices, as demonstrated by several US District court rulings. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This history of fraudulent practices may suggest that the identity theft on my credit report could be part of their ongoing illegal behavior. As a result of the credit bureau 's failure to block the fraudulent information and the potential involvement of XXXX XXXX XXXX deceptive activities, I have suffered financial harm, including financial impacts, such as denied credit applications, higher interest rates, loss of opportunity, etc.","date_sent_to_company":"2024-10-05T20:09:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23223","tags":null,"has_narrative":true,"complaint_id":"10358922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-05T19:43:52.000Z","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":["This section <em>requires</em> credit bureaus to block the disputed information within four business days upon receipt of an identity theft report while they conduct their <em>investigation</em>. Instead of following the <em>required</em> <em>procedure</em>, Experian treated my submission as a standard dispute and began a 30-day <em>investigation</em> process. They did not block the fraudulent items from my report as <em>required</em> within the four-day window. Furthermore, the fraudulent accounts in question are associated with. XXXX XXXX XXXX."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.068308,"10358922"]},{"_index":"complaint-public-v1","_id":"11570750","_score":15.025302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for failing to properly investigate inaccuracies in my credit report and for not providing the required description of their investigation procedures, as mandated by the Fair Credit Reporting Act 15 USC 1681 ( 6 ) ( B ) iii ( FCRA ). \n\nFailure to Investigate Disputes : On XXXX and XXXX, I submitted formal disputes to Experian regarding inaccuracies in my credit report. Despite providing all necessary documentation, Experian failed to conduct a reasonable reinvestigation of the disputed information, as required by 15 U.S.C. 1681 ( a ) ( 1 ) ( A ). \n\nXXXX of XXXX Description : Following the inadequate investigation, I requested a description of the procedures used to determine the accuracy and completeness of the disputed information, as stipulated in 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). Experian did not provide this description within the XXXX timeframe mandated by the FCRA. \nThis lack of compliance has caused significant distress and potential financial harm. I urge the CFPB to investigate Experian 's practices and enforce adherence to federal regulations to protect consumers like myself.","date_sent_to_company":"2025-01-17T03:15:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"11570750","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-17T02:50:19.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This lack of compliance has caused significant distress and potential <em>financial</em> harm. I urge the CFPB to <em>investigate</em> Experian 's <em>practices</em> and enforce adherence to federal regulations to protect consumers like myself."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.025302,"11570750"]},{"_index":"complaint-public-v1","_id":"11586967","_score":14.85632,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically their failure to provide a description of the procedures used during investigations of disputed items, improper investigation practices, and repeated updating of inaccurate information on my credit report. These actions demonstrate a disregard for the FCRA and highlight systemic issues recently brought to light in the CFPBs lawsuit against Equifax for improper investigation of credit reporting errors.\n\nDetails of My Complaint : Failure to Provide a Description of Procedures After disputing inaccuracies in my credit report and requesting Equifax to investigate, I formally requested a detailed description of the procedures they employed to verify the disputed information, as required by FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ].\n\nEquifax failed to provide this information, preventing me from understanding the methods or sources they used to verify the disputed data.\n\nFailure to Properly Investigate My Dispute Equifaxs handling of my dispute appears to reflect improper investigation practices. Instead of conducting a thorough investigation as required by FCRA 611 ( a ) ( 1 ), Equifax appears to have relied on automated processes or unverified responses from the creditor, as evidenced by the continued inaccuracies on my credit report. \nThis failure demonstrates Equifaxs noncompliance with their obligation to conduct reasonable investigations of disputed information.\n\nRepeated Updates of Inaccurate Information Despite being notified of inaccuracies in the disputed accounts, Equifax has continued to update these accounts on my credit report with the same incorrect information.\n\nThis ongoing issue highlights Equifaxs failure to ensure maximum possible accuracy of the information they report, in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].\n\nDisputed Accounts These disputed accounts that contain the inaccurate information referenced above, will be attached to the complaint, as well as proof of certified mail delivered.\n\nHarm to Me as a Consumer Equifaxs failure to properly investigate my dispute, provide a description of their procedures, and correct inaccurate information has left me with an erroneous credit report that continues to harm my financial standing. These repeated violations of the FCRA have caused me financial and emotional distress.\n\nConnection to the CFPB Lawsuit Against Equifax : I am aware that the CFPB recently filed a lawsuit against Equifax for failing to adequately investigate credit reporting errors. According to the CFPB, Equifax relied on improper practices, such as automated systems or unverified responses from creditors, which resulted in the perpetuation of errors on consumers ' credit reports. My experience reflects these systemic issues, particularly : Equifaxs reliance on inadequate verification processes.\n\nEquifaxs repeated failure to address and correct disputed inaccuracies, instead perpetuating them through regular updates.\n\nTheir lack of transparency in disclosing the procedures employed during investigations.\n\nMy Request : In light of these issues, I respectfully request the CFPB to take the following actions : Investigate Equifaxs failure to provide a description of procedures employed in their investigation of my dispute.\n\nInvestigate Equifaxs failure to conduct a proper and thorough investigation of the disputed information.\n\nInvestigate Equifaxs repeated updating of inaccurate account information on my credit report.\n\nCompel Equifax to delete the disputed accounts from my credit report, as their continued reporting violates the FCRA.\n\nTake appropriate enforcement action against Equifax if they are found to have violated the FCRA in this matter.\n\nEquifaxs repeated noncompliance with the FCRA, as demonstrated by my case and the CFPBs lawsuit, harms consumers and undermines trust in the credit reporting system. I appreciate the CFPBs attention to this matter and look forward to your response.","date_sent_to_company":"2025-01-21T18:08:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33165","tags":null,"has_narrative":true,"complaint_id":"11586967","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-21T17:47:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Harm to Me as a Consumer Equifaxs failure to properly <em>investigate</em> my dispute, provide a description of their <em>procedures</em>, and correct inaccurate information has left me with an erroneous credit report that continues to harm my <em>financial</em> standing. These repeated violations of the FCRA have caused me <em>financial</em> and emotional distress."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.85632,"11586967"]},{"_index":"complaint-public-v1","_id":"12718354","_score":14.847257,"_source":{"product":"Debt collection","complaint_what_happened":"Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i This statute mandates that credit reporting agencies must conduct a reasonable investigation of consumer disputes within 30 days. Equifaxs repeated failure to investigate and respond properly violates this core obligation under the FCRA. \n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) This provision requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information in consumers credit reports. Equifaxs inaccurate reporting and lack of diligence in verifying disputed information constitute further violations. \n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) This law prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ). Equifaxs failure to investigate disputes, provide necessary documentation, and ensure accuracy in its credit reporting practices violates the CFPA. Notably, the CFPB recently cited Equifax in XXXX XXXX XXXX XXXX. XXXX for engaging in similar unfair and deceptive practices, which underscores the companys repeated pattern of non-compliance. \n\nRequest for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Equifaxs ongoing non-compliance with the FCRA and CFPA. Specifically, I request that the CFPB : Investigate Equifaxs failure to conduct reasonable investigations of consumer disputes and ensure compliance with FCRA-mandated procedures. \n\nRequire Equifax to provide documented proof of any investigation conducted, as required under federal law. \n\nImpose corrective measures and penalties, as appropriate, to prevent future violations. \n\nNotice of Intent to Sue : If these issues are not resolved promptly and Equifax does not correct the inaccuracies in my credit report and provide documented proof of a proper investigation, I will pursue legal action against Equifax. Under the FCRA, consumers have the right to file a lawsuit in federal court for willful violations ( 15 U.S.C. 1681n ) or negligent violations ( 15 U.S.C. 1681o ), and may be entitled to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorneys fees and court costs. \n\nI urge the CFPB to act swiftly to protect consumers like me from further harm caused by Equifaxs unlawful practices. If Equifax continues to ignore my rights under federal law, I will take further legal action to hold them accountable.","date_sent_to_company":"2025-03-28T19:09:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"21217","tags":null,"has_narrative":true,"complaint_id":"12718354","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-28T18:32:39.000Z","state":"MD","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Request for Action : I request that the Consumer <em>Financial</em> Protection Bureau ( CFPB ) take immediate action to <em>investigate</em> Equifaxs ongoing non-compliance with the FCRA and CFPA. Specifically, I request that the CFPB : <em>Investigate</em> Equifaxs failure to conduct reasonable <em>investigations</em> of consumer disputes and ensure compliance with FCRA-mandated <em>procedures</em>. \n\n<em>Require</em> Equifax to provide documented proof of any <em>investigation</em> conducted, as <em>required</em> under federal law."]},"sort":[14.847257,"12718354"]},{"_index":"complaint-public-v1","_id":"11553382","_score":14.688137,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. \n\nThe CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. \nImproperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. \nIn addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.\n\nEnforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund.","date_sent_to_company":"2025-01-15T18:17:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76712","tags":"Servicemember","has_narrative":true,"complaint_id":"11553382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-15T17:48:56.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake <em>procedures</em> and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer <em>Financial</em> Protection Acts prohibition on unfair acts or <em>practices</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.688137,"11553382"]},{"_index":"complaint-public-v1","_id":"11552207","_score":14.688137,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. \n\nThe CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. \nImproperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. \nIn addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.\n\nEnforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund.","date_sent_to_company":"2025-01-15T18:17:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76712","tags":"Servicemember","has_narrative":true,"complaint_id":"11552207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-01-15T18:17:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake <em>procedures</em> and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer <em>Financial</em> Protection Acts prohibition on unfair acts or <em>practices</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.688137,"11552207"]},{"_index":"complaint-public-v1","_id":"11539833","_score":14.67363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. \n\nThe CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. \nImproperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. \nIn addition to alleging violations of the FCRAs requirements, the CFPB alleges that XXXX  faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.\n\nEnforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CFPA. The CFPBs lawsuit seeks to stop the companys unlawful conduct, to provide redress for harmed consumers, and the imposition of a civil money penalty, which would be paid into the CFPBs victims relief fund.","date_sent_to_company":"2025-01-15T18:17:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76712","tags":"Servicemember","has_narrative":true,"complaint_id":"11539833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-01-15T18:17:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["In addition to alleging violations of the FCRAs requirements, the CFPB alleges that XXXX  faulty dispute intake <em>procedures</em> and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer <em>Financial</em> Protection Acts prohibition on unfair acts or <em>practices</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.67363,"11539833"]},{"_index":"complaint-public-v1","_id":"11466564","_score":14.640621,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to report Experians failure to properly investigate and resolve disputes regarding inaccuracies on my credit report. My experience aligns with allegations in the CFPBs recent lawsuit against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). \n\nSpecifically, I have experienced the following issues : Faulty Investigation Procedures : I disputed inaccurate information on my credit report related to accounts from XXXX XXXX and XXXX that were reporting inconsistently across the XXXX major credit reporting agencies ( Experian, XXXX, and XXXX ). However, Experian updated these accounts without providing any details about the investigation or the basis for the updates. It appears that Experian uncritically accepted the responses from XXXX XXXX and XXXX without thoroughly reviewing the evidence I submitted or ensuring the accuracy of the updated information. \n\nUnclear or Incomplete Notices : The notices I received from Experian regarding the dispute resolutions were vague and lacked critical details about their findings or how they arrived at their conclusions. This left me unable to understand or verify whether the investigations were conducted properly or if the updated information was accurate. \n\nUnfair Acts or Practices : XXXX handling of my disputes reflects systemic issues highlighted in the CFPBs lawsuit. Their flawed intake procedures and deference to data furnishers have caused harm to my financial standing and creditworthiness. These practices violate federal laws requiring consumer reporting agencies to ensure accuracy and transparency. \n\nAs a result of Experians inadequate investigation and failure to provide proper resolution, the inaccurate accounts remain on my credit report, negatively impacting my ability to access credit.","date_sent_to_company":"2025-01-10T19:47:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33023","tags":null,"has_narrative":true,"complaint_id":"11466564","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T19:39:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This left me unable to understand or verify whether the <em>investigations</em> were conducted properly or if the updated information was accurate. \n\nUnfair Acts or <em>Practices</em> : XXXX handling of my disputes reflects systemic issues highlighted in the CFPBs lawsuit. Their flawed intake <em>procedures</em> and deference to data furnishers have caused harm to my <em>financial</em> standing and creditworthiness. These <em>practices</em> violate federal laws <em>requiring</em> consumer reporting agencies to ensure accuracy and transparency."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.640621,"11466564"]},{"_index":"complaint-public-v1","_id":"12640168","_score":14.59421,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I want to emphasize that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX and Equifax for conducting sham investigations and failing to properly investigate consumer disputes. I expect Equifax to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting \" validation* ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX XXXX I was never provided any proof of this alleged debt.","date_sent_to_company":"2025-03-24T22:29:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"15221","tags":null,"has_narrative":true,"complaint_id":"12640168","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-24T22:19:21.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I want to emphasize that I am fully aware of the Consumer <em>Financial</em> Protection Bureau ( CFPB ) lawsuits against XXXX and Equifax for conducting sham <em>investigations</em> and failing to properly <em>investigate</em> consumer disputes. I expect Equifax to conduct a thorough, good faith <em>investigation</em>, as <em>required</em> by law, and to avoid engaging in any <em>practices</em> that mirror those outlined in the CFPB complaints."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.59421,"12640168"]},{"_index":"complaint-public-v1","_id":"11869969","_score":14.57583,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX XXXX and portfolio recovery, and other financial institutions. \n\n# # Demand for XXXX XXXXccount Deletion XXXX has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. \n\n# # Investigation of Fraudulent Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : 1. The failure of these financial institutions to issue required 1099-C forms for allegedly canceled debts. \n2. The continued reporting of these accounts despite the lack of proper documentation. 3. The sudden deletion of these accounts when pressed for 1099-C records. \n\n# # Demands for Immediate Action 1. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. \n2. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts.\n\n3. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. \nXXXX. Provide written confirmation of these actions within XXXX business days. \n\n# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX XXXX constitute : 1. Negligent or willful noncompliance with the FCRA 2. Complicity in the financial institutions ' fraudulent practices 3. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) 2. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees 3. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-31T23:01:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92374","tags":null,"has_narrative":true,"complaint_id":"11869969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-01-31T22:55:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent <em>practices</em> of the reporting <em>financial</em> institutions. \n\n# # <em>Investigation</em> of Fraudulent <em>Practices</em> The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the <em>practices</em> of the reporting institutions. I demand a full <em>investigation</em> into : 1."]},"sort":[14.57583,"11869969"]},{"_index":"complaint-public-v1","_id":"12184713","_score":14.554168,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this complaint regarding Ally Financials reporting of a charge-off on my credit report. I am disputing the accuracy and fairness of this reporting and request an immediate investigation and removal.\n\nUnder the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, furnishers of credit information are required to provide accurate, complete, and verifiable data to the credit bureaus. If Ally Financial can not provide documented proof validating the balance, charge-off status, and accuracy of the information being reported, it must be deleted immediately per FCRA 1681s-2 ( b ).\n\nAdditionally, I am requesting verification that Ally Financial followed the proper procedures before charging off this account. If this charge-off includes unlawful fees, misapplied payments, or improper collection practices, it may be in violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and other consumer protection laws.\n\nI demand : 1. Full validation of the debt, including a breakdown of the balance, charge-off date, and payment history.\n\n2. Proof that Ally Financial complied with all legal requirements before reporting this charge-off.\n\n3. If Ally Financial can not provide full validation, this charge-off must be removed from my credit report immediately. \n\nPlease provide a response within the legally required timeframe. Thank you for your prompt attention to this matter. \n\nXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-23T14:56:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19119","tags":null,"has_narrative":true,"complaint_id":"12184713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-02-23T14:50:25.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["To Whom It May Concern, I am submitting this complaint regarding Ally <em>Financials</em> reporting of a charge-off on my credit report. I am disputing the accuracy and fairness of this reporting and request an immediate <em>investigation</em> and removal.\n\nUnder the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, furnishers of credit information are <em>required</em> to provide accurate, complete, and verifiable data to the credit bureaus."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["ALLY <em>FINANCIAL</em> INC."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.554168,"12184713"]},{"_index":"complaint-public-v1","_id":"12524996","_score":14.418079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Director XXXX XXXX has asserted that when consumers dispute inaccuracies on their credit reports, Experian conducts perfunctory re-investigationswhat many characterize as sham investigationsinstead of performing the thorough reviews mandated by federal law. According to the director, such errors in credit reporting can have severe financial repercussions for families, making it imperative that consumer reporting agencies adhere strictly to statutory requirements. \n\nUnder the Fair Credit Reporting Act ( FCRA ), agencies are obligated to take reasonable measures to ensure that consumer reports are accurate, and to investigate any information that consumers dispute. Moreover, the FCRA requires that agencies follow specific procedures before reinserting information into consumer reports that was previously removed as a result of a dispute. \n\nThe CFPB further alleges that Experian employs defective dispute intake procedures and fails to convey all pertinent details of disputes to the original furnisher. The agency is said to routinely and uncritically accept responses from furnisherseven when such responses are either improbable, illogical, or contradicted by other available evidence regarding the furnishers reliability. At the conclusion of its investigations, Experian reportedly sends consumers notices that are confusing, ambiguous, or internally inconsistent, thereby failing to clearly communicate the investigations outcome. \n\nIn addition, Experian has not implemented basic matching tools that could prevent the erroneous reinsertion of previously deleted tradelines. As a result, inaccurate information is sometimes reintroduced into consumer reports under a different furnishers name, without proper explanation, even after consumers have disputed the original inaccuracies. \n\nIt is also important to note that Experian maintains that it does not conduct initial investigations, but only re-investigations, as a matter of policy. However, this practice directly contravenes the requirements of the FCRA. \n\nThese practices, according to the CFPB, also violate the XXXXnsumer Financial Protection Acts prohibition on unfair, deceptive, or abusive acts or practices. Under this Act, the CFPB is empowered to take enforcement action against institutions that flout consumer financial protection laws, including the FCRA. Consequently, the CFPBs lawsuit seeks to halt these alleged unlawful practices, to secure redress for affected consumers, and to impose a civil monetary penalty on the company. \n\nThe accounts in question are an XXXX account, XXXX XXXX XXXX account, XXXX XXXXXXXX XXXX XXXX account, XXXX XXXX XXXX account, XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX account that was deleted from a dispute I contacted Experian about then reinserted under a third party named ABSOLUTE RESOLUTIONS I. This is one of the reasons the CFPB is suing EXPERIAN","date_sent_to_company":"2025-03-18T00:19:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"777XX","tags":null,"has_narrative":true,"complaint_id":"12524996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-17T23:40:09.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is also important to note that Experian maintains that it does not conduct initial <em>investigations</em>, but only re-<em>investigations</em>, as a matter of policy. However, this <em>practice</em> directly contravenes the requirements of the FCRA. \n\nThese <em>practices</em>, according to the CFPB, also violate the XXXXnsumer <em>Financial</em> Protection Acts prohibition on unfair, deceptive, or abusive acts or <em>practices</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.418079,"12524996"]},{"_index":"complaint-public-v1","_id":"11461143","_score":14.414885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX  XXXX, and portfolio recovery, and other financial institutions. \n\n# # Demand for XXXX  Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. \n\n# # XXXX of XXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : XXXX. The failure of these financial institutions to issue required XXXX forms for allegedly canceled debts. \nXXXX. The continued reporting of these accounts despite the lack of proper documentation. \nXXXX. The sudden deletion of these accounts when pressed for XXXX records. \n\n# # Demands for XXXX XXXX XXXX. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. \nXXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. \nXXXX. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. \nXXXX. Provide written confirmation of these actions within XXXX business days. \n\n# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX may constitute : XXXX. Negligent or willful noncompliance with the FCRA XXXX. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : XXXX. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) XXXX. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees XXXX. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-10T11:12:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92374","tags":null,"has_narrative":true,"complaint_id":"11461143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-01-10T11:12:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Demand for Immediate Account Deletion and <em>Investigation</em> of Fraudulent Reporting <em>Practices</em> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an <em>investigation</em> into the reporting <em>practices</em> of XXXX  XXXX, and portfolio recovery, and other <em>financial</em> institutions."]},"sort":[14.414885,"11461143"]},{"_index":"complaint-public-v1","_id":"11461142","_score":14.414885,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX  XXXX, and portfolio recovery, and other financial institutions. \n\n# # Demand for XXXX Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that XXXX and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. \n\n# # XXXX of XXXX Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : XXXX. The failure of these financial institutions to issue required XXXX forms for allegedly canceled debts. \nXXXX. The continued reporting of these accounts despite the lack of proper documentation. \nXXXX. The sudden deletion of these accounts when pressed for XXXX records. \n\n# # Demands for XXXX XXXX XXXX. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. \nXXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. \nXXXX. Initiate an investigation into the reporting practices of XXXX  XXXX, portfolio recovery and other involved institutions. \nXXXX. Provide written confirmation of these actions within XXXX business days. \n\n# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX may constitute : XXXX. Negligent or willful noncompliance with the FCRA XXXX. Complicity in the financial institutions ' fraudulent practices XXXX. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : XXXX. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) XXXX. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees XXXX. Seeking punitive damages for willful noncompliance Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-10T11:12:18.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92374","tags":null,"has_narrative":true,"complaint_id":"11461142","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-01-10T11:12:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Demand for Immediate Account Deletion and <em>Investigation</em> of Fraudulent Reporting <em>Practices</em> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an <em>investigation</em> into the reporting <em>practices</em> of XXXX  XXXX, and portfolio recovery, and other <em>financial</em> institutions."]},"sort":[14.414885,"11461142"]},{"_index":"complaint-public-v1","_id":"12711167","_score":14.384649,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against TransUnion for its failure to properly investigate my disputes regarding inaccuracies in my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and other federal consumer protection laws. Despite my repeated submissions of supporting evidence, TransUnion has failed to conduct a reasonable investigation, as required by law, and has responded with boilerplate statements asserting that the account is accuratewithout providing any proof of a thorough investigation. \n\nLegal Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i This statute mandates that credit reporting agencies must conduct a reasonable investigation of consumer disputes within 30 days. TransUnions repeated failure to investigate and respond properly violates this core obligation under the FCRA. \n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) This provision requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information in consumers credit reports. TransUnions inaccurate reporting and lack of diligence in verifying disputed information constitute further violations.\n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) This law prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ). TransUnions failure to investigate disputes, provide necessary documentation, and ensure accuracy in its credit reporting practices violates the CFPA. Notably, the CFPB recently cited a major credit bureau in Administrative Proceeding File No. 2025-CFPB-0002 for engaging in similar unfair and deceptive practices, which underscores a broader concern regarding non-compliance across the credit reporting industry. \n\nRequest for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate TransUnions ongoing non-compliance with the FCRA and CFPA. Specifically, I request that the CFPB : Investigate TransUnions failure to conduct reasonable investigations of consumer disputes and ensure compliance with FCRA-mandated procedures.\n\nRequire TransUnion to provide documented proof of any investigation conducted, as required under federal law. \n\nImpose corrective measures and penalties, as appropriate, to prevent future violations. \n\nNotice of Intent to Sue : If these issues are not resolved promptly and TransUnion does not correct the inaccuracies in my credit report and provide documented proof of a proper investigation, I will pursue legal action against TransUnion. Under the FCRA, consumers have the right to file a lawsuit in federal court for willful violations ( 15 U.S.C. 1681n ) or negligent violations ( 15 U.S.C. 1681o ), and may be entitled to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorneys fees and court costs.\n\nI urge the CFPB to act swiftly to protect consumers like myself from further harm caused by TransUnions unlawful practices. If TransUnion continues to ignore my rights under federal law, I will take further legal action to hold them accountable.","date_sent_to_company":"2025-03-28T19:18:15.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"21217","tags":null,"has_narrative":true,"complaint_id":"12711167","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-28T19:12:26.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Specifically, I request that the CFPB : <em>Investigate</em> TransUnions failure to conduct reasonable <em>investigations</em> of consumer disputes and ensure compliance with FCRA-mandated <em>procedures</em>.\n\n<em>Require</em> TransUnion to provide documented proof of any <em>investigation</em> conducted, as <em>required</em> under federal law. \n\nImpose corrective measures and penalties, as appropriate, to prevent future violations."]},"sort":[14.384649,"12711167"]},{"_index":"complaint-public-v1","_id":"12712616","_score":14.377625,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this formal complaint against XXXX for its failure to properly investigate my disputes regarding inaccuracies in my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and other federal consumer protection laws. Despite my repeated submissions of supporting evidence, XXXX has failed to conduct a reasonable investigation, as required by law, and has responded with boilerplate statements asserting that the account is accuratewithout providing any proof of a thorough investigation. \n\nLegal Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i This statute mandates that credit reporting agencies must conduct a reasonable investigation of consumer disputes within 30 days. XXXX repeated failure to investigate and respond properly violates this core obligation under the FCRA.\n\nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) This provision requires that credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information in consumers credit reports. CreditWises inaccurate reporting and lack of diligence in verifying disputed information constitute further violations.\n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) This law prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ). XXXX failure to investigate disputes, provide necessary documentation, and ensure accuracy in its credit reporting practices violates the CFPA. Notably, the CFPB recently cited a major credit bureau in Administrative Proceeding File No. 2025-CFPB-0002 for engaging in similar unfair and deceptive practices, which underscores a broader concern regarding non-compliance across the credit reporting industry. \n\nRequest for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate CreditWises ongoing non-compliance with the FCRA and XXXX. Specifically, I request that the CFPB : Investigate XXXX failure to conduct reasonable investigations of consumer disputes and ensure compliance with FCRA-mandated procedures.\n\nRequire XXXX to provide documented proof of any investigation conducted, as required under federal law.\n\nImpose corrective measures and penalties, as appropriate, to prevent future violations.\n\nNotice of Intent to Sue : If these issues are not resolved promptly and XXXX does not correct the inaccuracies in my credit report and provide documented proof of a proper investigation, I will pursue legal action against XXXX. Under the FCRA, consumers have the right to file a lawsuit in federal court for willful violations ( 15 U.S.C. 1681n ) or negligent violations ( 15 U.S.C. 1681o ), and may be entitled to actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reimbursement of attorneys fees and court costs. \n\nI urge the CFPB to act swiftly to protect consumers like me from further harm caused by XXXX unlawful practices. If XXXX continues to ignore my rights under federal law, I will take further legal action to hold them accountable.","date_sent_to_company":"2025-05-14T20:13:57.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"21217","tags":null,"has_narrative":true,"complaint_id":"12712616","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-28T19:22:54.000Z","state":"MD","company_public_response":null,"sub_issue":"Threatened to arrest you or take you to jail if you do not pay"},"highlight":{"complaint_what_happened":["Specifically, I request that the CFPB : <em>Investigate</em> XXXX failure to conduct reasonable <em>investigations</em> of consumer disputes and ensure compliance with FCRA-mandated <em>procedures</em>.\n\n<em>Require</em> XXXX to provide documented proof of any <em>investigation</em> conducted, as <em>required</em> under federal law.\n\nImpose corrective measures and penalties, as appropriate, to prevent future violations."]},"sort":[14.377625,"12712616"]},{"_index":"complaint-public-v1","_id":"12169147","_score":14.370733,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally lodge a complaint against Experian, Transunion and Equifax for what I believe to be unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ) of 2010 and the Fair Credit Reporting Act ( FCRA ). These practices have directly impacted my ability to resolve serious issues of identity theft and have resulted in significant harm to my financial standing. \n\nIncident Description : has failed to properly convey my disputes regarding fraudulent activities reported on my credit report to the furnishers of information. The disputes that I submitted were distorted, truncated, and mischaracterized by Experian, thus not fully or accurately representing my claims to the furnishers. This has impeded the resolution of these disputes and allowed the continuation of incorrect information in my credit file. \n\nConsumer Financial Protection Act of 2010 : This act prohibits unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service. Experians practices in handling my disputes have been both unfair and deceptive, thereby violating this act. \nFCRA 611 ( Procedure in Case of Disputed Accuracy ) : This provision requires that credit reporting agencies must conduct a reasonable investigation of the disputed information, which includes properly forwarding all relevant dispute information to the furnisher. Experians failure to do so has violated this mandate.\n\nFCRA 623 ( b ) ( Responsibilities of Furnishers of Information ) : This section outlines the duty of furnishers to investigate the disputes received from the credit reporting agencies. Incomplete or inaccurate communication from Experian compromises the ability of furnishers to comply with this obligation. As a result of these violations, I have suffered ongoing financial repercussions and undue stress. The failure of Experian to act according to federal laws has not only impeded the correction of my credit report but also prolonged the negative consequences of identity theft on my personal and financial life.","date_sent_to_company":"2025-02-21T17:33:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28105","tags":null,"has_narrative":true,"complaint_id":"12169147","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-21T17:32:43.000Z","state":"NC","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["FCRA 611 ( <em>Procedure</em> in Case of Disputed Accuracy ) : This provision <em>requires</em> that credit reporting agencies must conduct a reasonable <em>investigation</em> of the disputed information, which includes properly forwarding all relevant dispute information to the furnisher. Experians failure to do so has violated this mandate."]},"sort":[14.370733,"12169147"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":6271,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":6271}]}},"product":{"doc_count":6271,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4729,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4667},{"key":"Other personal consumer report","doc_count":62}]}},{"key":"Debt collection","doc_count":482,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":223},{"key":"Credit card debt","doc_count":115},{"key":"Other debt","doc_count":41},{"key":"Medical debt","doc_count":25},{"key":"Telecommunications 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