{"took":112,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":22037,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16246992","_score":15.539333,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted disputes regarding inaccurate accounts on my credit reports with all three credit bureaus over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable investigation within 30 days and provide me with the results in writing. As of today, none of the credit bureaus have provided me with the required written investigation results. This failure to investigate and provide timely results is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law.","date_sent_to_company":"2025-09-29T14:15:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"16246992","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-29T14:15:13.000Z","state":"OH","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":["Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable <em>investigation</em> <em>within</em> 30 days and <em>provide</em> me with the <em>results</em> in <em>writing</em>. As of today, none of the credit bureaus have provided me with the required written <em>investigation</em> <em>results</em>. This failure to <em>investigate</em> and <em>provide</em> timely <em>results</em> is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.539333,"16246992"]},{"_index":"complaint-public-v1","_id":"16246993","_score":15.525661,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted disputes regarding inaccurate accounts on my credit reports with all three credit bureaus over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable investigation within 30 days and provide me with the results in writing. As of today, none of the credit bureaus have provided me with the required written investigation results. This failure to investigate and provide timely results is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law.","date_sent_to_company":"2025-09-29T14:15:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"16246993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-29T14:15:13.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable <em>investigation</em> <em>within</em> 30 days and <em>provide</em> me with the <em>results</em> in <em>writing</em>. As of today, none of the credit bureaus have provided me with the required written <em>investigation</em> <em>results</em>. This failure to <em>investigate</em> and <em>provide</em> timely <em>results</em> is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law."]},"sort":[15.525661,"16246993"]},{"_index":"complaint-public-v1","_id":"16246929","_score":15.5190935,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted disputes regarding inaccurate accounts on my credit reports with all three credit bureaus over 30 days ago. Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable investigation within 30 days and provide me with the results in writing. As of today, none of the credit bureaus have provided me with the required written investigation results. This failure to investigate and provide timely results is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law.","date_sent_to_company":"2025-09-29T14:15:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"16246929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-29T14:03:45.000Z","state":"OH","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":["Under the Fair Credit Reporting Act ( FCRA ), the bureaus are required to complete a reasonable <em>investigation</em> <em>within</em> 30 days and <em>provide</em> me with the <em>results</em> in <em>writing</em>. As of today, none of the credit bureaus have provided me with the required written <em>investigation</em> <em>results</em>. This failure to <em>investigate</em> and <em>provide</em> timely <em>results</em> is a violation of the FCRA, and I am requesting the CFPBs assistance in enforcing my rights under the law."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.5190935,"16246929"]},{"_index":"complaint-public-v1","_id":"21112299","_score":15.230372,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing regarding the results of a previous dispute I submitted for the account ( s ) listed below.\n\nUnder the Fair Credit Reporting Act ( FCRA ), I understand that you are required to complete an investigation within 30 days and provide the results to me within 5 business days after the investigation is completed. However, I never received any written notice or results of this investigation. \n\nBecause I did not receive the required notification, I am requesting that this matter be reinvestigated. Additionally, I am requesting full verification of the account ( s ) in question.\n\nPlease provide the following : - The method of verification used- The name and contact information of the furnisher of the information - Copies of any documents used to verify the account If you are unable to provide proper verification in accordance with the FCRA, I request that this account be removed from my credit report. \n\nPlease update me with the results of your investigation and send all correspondence to my correct mailing address on file. \n\nThank you.","date_sent_to_company":"2026-04-09T23:47:11.000Z","issue":"Written notification about debt","sub_product":"Rental debt","zip_code":"563XX","tags":null,"has_narrative":true,"complaint_id":"21112299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HW Holding, Inc","date_received":"2026-04-09T23:37:34.000Z","state":"MN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am <em>writing</em> regarding the <em>results</em> of a previous dispute I submitted for the account ( s ) listed below.\n\nUnder the Fair Credit Reporting Act ( FCRA ), I understand that you are required to complete an <em>investigation</em> <em>within</em> 30 days and <em>provide</em> the <em>results</em> to me <em>within</em> 5 business days after the <em>investigation</em> is completed. However, I never received any written notice or <em>results</em> of this <em>investigation</em>."]},"sort":[15.230372,"21112299"]},{"_index":"complaint-public-v1","_id":"8543325","_score":14.77228,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to inform you that if the situation regarding the erroneous account is not rectified within XXXX ( XXXX ) days, I will file a complaint with the Federal Trade Commission ( FTC ) against your company. You are legally obligated to respond within XXXX ( XXXX  ) days, failing which could result in fines up to {$1000.00}. Please provide the detailed procedures for the investigation results of the following account within XXXX ( XXXX ) days to avoid the filing of a complaint. \nXXXX XXXX","date_sent_to_company":"2024-03-13T07:35:25.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"8543325","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-13T07:25:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am <em>writing</em> to inform you that if the situation regarding the erroneous account is not rectified <em>within</em> XXXX ( XXXX ) days, I will file a complaint with the Federal Trade Commission ( FTC ) against your company. You are legally obligated to respond <em>within</em> XXXX ( XXXX  ) days, failing which could <em>result</em> in fines up to {$1000.00}. Please <em>provide</em> the detailed procedures for the <em>investigation</em> <em>results</em> of the following account <em>within</em> XXXX ( XXXX ) days to avoid the filing of a complaint. \nXXXX XXXX"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.77228,"8543325"]},{"_index":"complaint-public-v1","_id":"11685958","_score":14.530721,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I disputed the accuracy of several accounts on my report on XX/XX/2025, via the CFPB website report # XXXXXXXX and sent direct mail to them of the dispute. Experian returned with their canned computer-generated response on XXXX but failed to complete the investigation and today is the XXXX of XXXX. Under the FCRA, credit bureaus are obligated to investigate disputes within 30 days of receiving a consumers dispute. They must also provide the consumer with the results of their investigation in writing. If they fail to complete the investigation within this time frame, the disputed item must be removed from the credit report. This has not happened!","date_sent_to_company":"2025-01-23T05:44:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75115","tags":null,"has_narrative":true,"complaint_id":"11685958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T05:26:45.000Z","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":["Experian returned with their canned computer-generated response on XXXX but failed to complete the <em>investigation</em> and today is the XXXX of XXXX. Under the FCRA, credit bureaus are obligated to <em>investigate</em> disputes <em>within</em> 30 days of receiving a consumers dispute. They must also <em>provide</em> the consumer with the <em>results</em> of their <em>investigation</em> in <em>writing</em>. If they fail to complete the <em>investigation</em> <em>within</em> this time frame, the disputed item must be removed from the credit report. This has not happened!"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[14.530721,"11685958"]},{"_index":"complaint-public-v1","_id":"12026727","_score":14.5190525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed disputes on XXXX accounts on my Experian credit report. Experian failed to notify me in writing of the investigation results or provide verification details, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I only discovered the dispute results by logging into their website. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency must provide written notice within XXXX business days after completing an investigation. I request that Experian be held accountable for this non-compliance and for corrective action to be taken.","date_sent_to_company":"2025-02-11T18:40:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"55025","tags":null,"has_narrative":true,"complaint_id":"12026727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T18:13:32.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Experian failed to notify me in <em>writing</em> of the <em>investigation</em> <em>results</em> or <em>provide</em> verification details, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I only discovered the dispute <em>results</em> by logging into their website. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency must <em>provide</em> written notice <em>within</em> XXXX business days after completing an <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or <em>results</em>"]},"sort":[14.5190525,"12026727"]},{"_index":"complaint-public-v1","_id":"12851144","_score":14.353941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and potentially fraudulent information listed on my credit report. The entry from XXXX XXXX XXXX, with account number XXXX, is reported as a charged-off auto loan account with a balance of {$21000.00}. I have no knowledge of this account, and I believe it XXXX be in error or the result of identity theft. \n\nPer the Fair Credit Reporting Act ( FCRA ), I am requesting that you reinvestigate this item and provide documentation verifying the accuracy and ownership of this account. If XXXX XXXX XXXX can not provide verifiable documentation that I opened and am responsible for this debt, it must be removed from my credit file. \n\nAttached are a copy of my government-issued ID and any supporting documentation I have. Please provide the results of your investigation in writing within the legally required time frame.","date_sent_to_company":"2025-04-07T03:37:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"12851144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2025-04-07T03:36:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Please <em>provide</em> the <em>results</em> of your <em>investigation</em> in <em>writing</em> <em>within</em> the legally required time frame."]},"sort":[14.353941,"12851144"]},{"_index":"complaint-public-v1","_id":"11588046","_score":14.281271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian on XX/XX/year>, I am compelled to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Specifically, I disputed the following entries on my credit report XXXX XXXX Account {$15.00} {$270.00} also I HAVE NO EMPLOYER Pursuant to 15 U.S.C. 1681i, I have the right to request a description of the procedures used during your investigation of these disputed items. Your failure to provide this information constitutes a violation of the FCRA. Additionally, I insist that you conduct a thorough investigation as required by federal law. It is your duty not to simply accept the findings of furnishers who fail to provide adequate or thorough results of their investigations. Please provide me with the results of your investigation in writing, as well as a detailed explanation of the methods and procedures used in reviewing the disputed information. If you can not verify the accuracy of these inquiries or entries, I request that you delete them from my credit file within the timeline mandated by federal law. If you fail to resolve this matter appropriately, If you fail to resolve this matter appropriately, I am prepared to SUE! Thank you for your prompt attention to this matter. I look forward to your written response and resolution within the time frame outlined in the FCRA.","date_sent_to_company":"2025-01-20T17:28:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"11588046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T17:23:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It is your duty not to simply accept the findings of furnishers who fail to <em>provide</em> adequate or thorough <em>results</em> of their <em>investigations</em>. Please <em>provide</em> me with the <em>results</em> of your <em>investigation</em> in <em>writing</em>, as well as a detailed explanation of the methods and procedures used in reviewing the disputed information. If you can not verify the accuracy of these inquiries or entries, I request that you delete them from my credit file <em>within</em> the timeline mandated by federal law."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.281271,"11588046"]},{"_index":"complaint-public-v1","_id":"15235840","_score":14.118479,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute an inaccurate item listed on my credit report. The account in question is marked as a charge-off, which I believe is incorrect and should be investigated and either updated or removed in accordance with the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation into this account and provide documentation supporting the validity of this charge-off. If the information can not be verified, I respectfully request that it be removed from my credit file as required by law. \n\nEnclosed are the following documents to support my dispute : A copy of my government-issued ID A copy of a utility bill or bank statement confirming my identity and address A copy of the relevant credit report highlighting the disputed item Please respond in writing within the 30-day period outlined in the FCRA and provide an updated copy of my credit report reflecting the results of your investigation.","date_sent_to_company":"2025-08-12T14:48:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"15235840","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-12T14:39:24.000Z","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":["Enclosed are the following documents to support my dispute : A copy of my government-issued ID A copy of a utility bill or bank statement confirming my identity and address A copy of the relevant credit report highlighting the disputed item Please respond in <em>writing</em> <em>within</em> the 30-day period outlined in the FCRA and <em>provide</em> an updated copy of my credit report reflecting the <em>results</em> of your <em>investigation</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.118479,"15235840"]},{"_index":"complaint-public-v1","_id":"14432456","_score":14.0851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and demand the immediate removal of XXXX inaccurate accounts currently being reported on my TransUnion credit file. I previously submitted a dispute regarding these accounts, along with a request for full disclosure of the investigative process conducted in response to my concerns. To date, TransUnion has failed to provide the sought results or explanation of any such investigation, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). \n\nUnder the FCRA, Transunion isrequired to conduct a reasonable investigation and respond with the results of that investigation within 30 days. Transuion had failed to do so, coupled with the continued reporting of erroneous information, is unacceptable and legally questionable.","date_sent_to_company":"2025-07-02T12:01:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07304","tags":null,"has_narrative":true,"complaint_id":"14432456","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-02T09:56:55.000Z","state":"NJ","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":["Under the FCRA, Transunion isrequired to conduct a reasonable <em>investigation</em> and respond with the <em>results</em> of that <em>investigation</em> <em>within</em> 30 days. Transuion had failed to do so, coupled with the continued reporting of erroneous information, is unacceptable and legally questionable."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.0851,"14432456"]},{"_index":"complaint-public-v1","_id":"11707295","_score":14.031015,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Transunion I am writing to formally dispute the accuracy of the following accounts that are currently listed on my credit report. The following accounts are not mine, were not authorized by me, and therefore should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, you are required to investigate and verify the accuracy of any disputed information within XXXX  days. If these accounts can not be verified as accurate and authorized by me, they must be deleted from my credit report immediately. \n\nI request that you conduct a thorough investigation and provide me with the results in writing. Additionally, please provide any supporting documentation that validates the accuracy and ownership of these accounts. If you are unable to verify the disputed accounts, I expect their prompt removal to ensure compliance with federal law. \n\nPlease consider this letter as my formal dispute, and I request that any correspondence regarding this matter be directed to me in writing at the address listed above. \n\nThank you for your prompt attention to this matter. I expect a resolution within the timeframe prescribed by the FCRA. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T04:06:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"065XX","tags":null,"has_narrative":true,"complaint_id":"11707295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-24T03:34:29.000Z","state":"CT","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 request that you conduct a thorough <em>investigation</em> and <em>provide</em> me with the <em>results</em> in <em>writing</em>. Additionally, please <em>provide</em> any supporting documentation that validates the accuracy and ownership of these accounts. If you are unable to verify the disputed accounts, I expect their prompt removal to ensure compliance with federal law."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.031015,"11707295"]},{"_index":"complaint-public-v1","_id":"9388399","_score":14.013195,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against XXXX for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as disputed incorrect personal information. \nDespite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from XXXX regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. \nXXXX failure to respond within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. \nI seek assurance that the disputed items on my credit report will be removed and that my personal information will be updated accurately.","date_sent_to_company":"2024-07-01T01:18:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":null,"has_narrative":true,"complaint_id":"9388399","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-01T01:15:03.000Z","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":["XXXX failure to respond <em>within</em> the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to <em>investigate</em> disputes and <em>provide</em> the <em>results</em> of the <em>investigation</em> to the consumer <em>within</em> 30 days of receiving the dispute. \nI seek assurance that the disputed items on my credit report will be removed and that my personal information will be updated accurately."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or <em>results</em>"]},"sort":[14.013195,"9388399"]},{"_index":"complaint-public-v1","_id":"11841970","_score":13.91907,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Accounts Reported in 2024 Dear XXXX, I am writing to formally dispute all accounts listed on my credit report from the year 2024. I believe these accounts to be inaccurate or unverified, and I request that they be thoroughly investigated and removed from my credit file. \n\nPlease provide the details of each account in question, including the name of the creditor, the account number, and any supporting documentation that verifies the accuracy of the reporting. I also request that you provide an update on the status of the investigation within the timeframe allowed by law. \n\nFor your reference, I have included a copy of my current credit report with the disputed accounts highlighted. \n\nIn accordance with the Fair Credit Reporting Act ( FCRA ), I understand I am entitled to a resolution within XXXX  days of receiving this letter. Should the accounts remain unresolved or not be verified, I expect them to be removed from my credit file. \n\nPlease notify me in writing with the results of your investigation. If you need further information or documentation, feel free to contact me. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-01-30T00:13:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06489","tags":null,"has_narrative":true,"complaint_id":"11841970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T00:06:47.000Z","state":"CT","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 notify me in <em>writing</em> with the <em>results</em> of your <em>investigation</em>. If you need further information or documentation, feel free to contact me. \n\nThank you for your attention to this matter."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.91907,"11841970"]},{"_index":"complaint-public-v1","_id":"11841585","_score":13.916925,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Accounts Reported in XXXX  Dear XXXX, I am writing to formally dispute all accounts listed on my credit report from the year XXXX. I believe these accounts to be inaccurate or unverified, and I request that they be thoroughly investigated and removed from my credit file. \n\nPlease provide the details of each account in question, including the name of the creditor, the account number, and any supporting documentation that verifies the accuracy of the reporting. I also request that you provide an update on the status of the investigation within the timeframe allowed by law. \n\nFor your reference, I have included a copy of my current credit report with the disputed accounts highlighted. \n\nIn accordance with the Fair Credit Reporting Act ( FCRA ), I understand I am entitled to a resolution within 30 days of receiving this letter. Should the accounts remain unresolved or not be verified, I expect them to be removed from my credit file. \n\nPlease notify me in writing with the results of your investigation. If you need further information or documentation, feel free to contact me. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-03-21T16:37:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"06489","tags":null,"has_narrative":true,"complaint_id":"11841585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-30T00:13:50.000Z","state":"CT","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 notify me in <em>writing</em> with the <em>results</em> of your <em>investigation</em>. If you need further information or documentation, feel free to contact me. \n\nThank you for your attention to this matter."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.916925,"11841585"]},{"_index":"complaint-public-v1","_id":"8998894","_score":13.851137,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute the accuracy of information on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, I am requesting an investigation into the following item ( s ) listed on my credit report : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX  Account number : XXXX. I am requesting that Equifax conduct a thorough investigation into these discrepancies and provide me with the results. According to the FCRA, you are required to investigate disputed items within 30 days of receiving a consumer dispute.Please provide me with information on the actions taken, including any corrections made to my credit report as a result of your investigation. Additionally, please send me a copy of my updated credit report once the investigation is complete.Thank you for your attention to this matter. I look forward to receiving a prompt response.","date_sent_to_company":"2024-05-13T13:00:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19446","tags":null,"has_narrative":true,"complaint_id":"8998894","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-13T12:54:32.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["According to the FCRA, you are required to <em>investigate</em> disputed items <em>within</em> 30 days of receiving a consumer dispute.Please <em>provide</em> me with information on the actions taken, including any corrections made to my credit report as a <em>result</em> of your <em>investigation</em>. Additionally, please send me a copy of my updated credit report once the <em>investigation</em> is complete.Thank you for your attention to this matter. I look forward to receiving a prompt response."]},"sort":[13.851137,"8998894"]},{"_index":"complaint-public-v1","_id":"11057063","_score":13.815921,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear Equifax, I am writing to formally follow up on the dispute I submitted to you on XX/XX/year> regarding a fraudulent account that appears on my credit report. As I have previously stated, this account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report.\n\nUnder the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. \n\nTo date, I have not received a response that satisfies the FCRA requirements, nor have I been provided with evidence of your investigation into the fraudulent account. Specifically, the account in question is as follows : XXXX XXXX XXXX XXXXXXXX This account was opened as a result of identity theft, I respectfully request the following from you : Evidence of the Investigation : Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with this fraudulent account. \nVerification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed account, including the steps you followed to confirm the legitimacy of this account, and the results of your investigation.\n\nAccount Blocking Confirmation : As required by the FCRA, I request that the fraudulent account be blocked from my credit report. If this account has not yet been blocked, I ask that you explain why this has not been done. \nPlease provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent account. \nI would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, pursuing potential legal action for failure to comply with the FCRA. \n\nPlease consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-12-06T17:26:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"11057063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-06T17:16:40.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>provide</em> me with an updated copy of my credit report showing the <em>results</em> of your <em>investigation</em>, including the removal or correction of the fraudulent account. \nI would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute <em>within</em> 30 days. Failure to <em>provide</em> the requested documentation and evidence of your <em>investigation</em> will <em>result</em> in further action, pursuing potential legal action for failure to comply with the FCRA."],"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":[13.815921,"11057063"]},{"_index":"complaint-public-v1","_id":"9388237","_score":13.776488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. \nDespite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from Experian regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. \nExperians failure to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. \nI seek assurance that the disputed information on my credit report will be deleted and that my personal information will be updated accurately.","date_sent_to_company":"2024-07-01T01:12:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":null,"has_narrative":true,"complaint_id":"9388237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-01T01:09:59.000Z","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":["Experians failure to respond <em>within</em> the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to <em>investigate</em> disputes and <em>provide</em> the <em>results</em> of the <em>investigation</em> to the consumer <em>within</em> 30 days of receiving the dispute. \nI seek assurance that the disputed information on my credit report will be deleted and that my personal information will be updated accurately."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or <em>results</em>"]},"sort":[13.776488,"9388237"]},{"_index":"complaint-public-v1","_id":"9388224","_score":13.776488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Equifax for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as disputed incorrect personal information. \nDespite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from Equifax regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. \nXXXX failure to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. \nI seek assurance that the disputed items on my credit report will be removed and that my personal information will be updated accurately.","date_sent_to_company":"2024-07-01T01:23:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":null,"has_narrative":true,"complaint_id":"9388224","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-01T01:20:22.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XXXX failure to respond <em>within</em> the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to <em>investigate</em> disputes and <em>provide</em> the <em>results</em> of the <em>investigation</em> to the consumer <em>within</em> 30 days of receiving the dispute. \nI seek assurance that the disputed items on my credit report will be removed and that my personal information will be updated accurately."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or <em>results</em>"]},"sort":[13.776488,"9388224"]},{"_index":"complaint-public-v1","_id":"9388396","_score":13.771922,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against TransUnion for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. \nDespite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from TransUnion regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. \nXXXX failure to respond within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. \nI seek assurance that the disputed information on my credit report will be removed and that my personal information will be updated accurately.","date_sent_to_company":"2024-07-01T01:08:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33177","tags":null,"has_narrative":true,"complaint_id":"9388396","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-07-01T01:03:17.000Z","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":["XXXX failure to respond <em>within</em> the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to <em>investigate</em> disputes and <em>provide</em> the <em>results</em> of the <em>investigation</em> to the consumer <em>within</em> 30 days of receiving the dispute. \nI seek assurance that the disputed information on my credit report will be removed and that my personal information will be updated accurately."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Was not notified of <em>investigation</em> status or <em>results</em>"]},"sort":[13.771922,"9388396"]},{"_index":"complaint-public-v1","_id":"16230478","_score":13.698317,"_source":{"product":"Debt collection","complaint_what_happened":"These accounts are not mine. I have never opened an account with this creditor, and I believe this may be a case of mistaken identity, merged credit file, or potential identity theft.\n\nUnder the Fair Credit Reporting Act ( FCRA ), I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or unverifiable. Please provide me with the results of your investigation in writing.\n\nPlease complete your investigation within the 30-day timeframe as required by the FCRA and confirm the removal of any inaccurate information.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-09-28T19:44:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"16230478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldous & Associates, PLLC","date_received":"2025-09-28T19:34:33.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Under the Fair Credit Reporting Act ( FCRA ), I request that you <em>investigate</em> these items and remove them from my credit report if they are found to be inaccurate or unverifiable. Please <em>provide</em> me with the <em>results</em> of your <em>investigation</em> in <em>writing</em>.\n\nPlease complete your <em>investigation</em> <em>within</em> the 30-day timeframe as required by the FCRA and confirm the removal of any inaccurate information.\n\nThank you for your prompt attention to this matter."]},"sort":[13.698317,"16230478"]},{"_index":"complaint-public-v1","_id":"11902711","_score":13.678451,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). \n\nDetails of the Complaint : - Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Date of Dispute Submission : XX/XX/XXXX - Dispute # XXXX - Nature of Dispute : These accounts were disputed on the grounds of identity theft and are fraudulent. \n\nTransUnion 's Response : As of XX/XX/XXXX, I have not received any communication from TransUnion regarding the status or results of their investigation into these disputes. \n\nFCRA Violations : TransUnion 's failure to respond to my disputes within the required timeframe constitutes violations of the FCRA : 1. Failure to Investigate Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : TransUnion is required to investigate consumer disputes within 30 days of receipt. My disputes were submitted on XX/XX/XXXX, and as of XX/XX/XXXX, no response has been provided, exceeding the 30-day requirement.\n\n2. Failure to Provide Results of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ) : TransUnion must provide written notice of the results of the reinvestigation within 5 business days after completion. I have not received any such notice.","date_sent_to_company":"2025-02-03T11:25:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30519","tags":"Servicemember","has_narrative":true,"complaint_id":"11902711","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-03T11:08:53.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Failure to <em>Provide</em> <em>Results</em> of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ) : TransUnion must <em>provide</em> written notice of the <em>results</em> of the reinvestigation <em>within</em> 5 business days after completion. I have not received any such notice."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[13.678451,"11902711"]},{"_index":"complaint-public-v1","_id":"8080156","_score":13.660662,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. \n\nIdentity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).\n\nI kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within XXXX  days. \nConduct a thorough investigation into the unauthorized charges.\n\nTemporarily suspend any further collection activities related to these charges during the investigation.\n\nProvide me with written updates on the progress of the investigation.\n\nProvide a final written resolution of this dispute within XXXX days. \nFailure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.","date_sent_to_company":"2023-12-30T01:00:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70802","tags":null,"has_narrative":true,"complaint_id":"8080156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-30T00:52:44.000Z","state":"LA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Provide</em> a final written resolution of this dispute <em>within</em> XXXX days. \nFailure to comply with the FCBA and other relevant laws may <em>result</em> in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process."]},"sort":[13.660662,"8080156"]},{"_index":"complaint-public-v1","_id":"8080129","_score":13.660662,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. \n\nIdentity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). \n\nI kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within 30 days. \nConduct a thorough investigation into the unauthorized charges. \nTemporarily suspend any further collection activities related to these charges during the investigation. \nProvide me with written updates on the progress of the investigation. \nProvide a final written resolution of this dispute within 90 days. \nFailure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.","date_sent_to_company":"2023-12-30T01:00:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70802","tags":null,"has_narrative":true,"complaint_id":"8080129","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-30T01:00:20.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Provide</em> a final written resolution of this dispute <em>within</em> 90 days. \nFailure to comply with the FCBA and other relevant laws may <em>result</em> in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.660662,"8080129"]},{"_index":"complaint-public-v1","_id":"7482312","_score":13.645668,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to express my profound dissatisfaction and concern regarding your failure to respond to my dispute dated XXXX Your lack of communication and the absence of investigation results constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), which has caused significant distress and financial hardships on my end. My dispute was submitted with the intention of rectifying the inaccuracies present on my credit report. However, to date, I have not received any response or communication from Equifax regarding my dispute. According to the FCRA regulations, credit reporting agencies are required to investigate disputes within 30 days and provide consumers with the results of the investigation. Your institution 's failure to adhere to these obligations is both disappointing and unacceptable, leaving me in a state of uncertainty and financial vulnerability.","date_sent_to_company":"2023-09-01T00:28:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32034","tags":null,"has_narrative":true,"complaint_id":"7482312","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-01T00:26:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["According to the FCRA regulations, credit reporting agencies are required to <em>investigate</em> disputes <em>within</em> 30 days and <em>provide</em> consumers with the <em>results</em> of the <em>investigation</em>. Your institution 's failure to adhere to these obligations is both disappointing and unacceptable, leaving me in a state of uncertainty and financial vulnerability."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or <em>results</em>"]},"sort":[13.645668,"7482312"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":22037,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":22037}]}},"product":{"doc_count":22037,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":17319,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":17180},{"key":"Other personal consumer report","doc_count":139}]}},{"key":"Credit reporting, credit repair services, or 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