{"took":75,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2047,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20973180","_score":18.79773,"_source":{"product":"Debt collection","complaint_what_happened":"Over the course of the last 5 months, Company : Credit Collection Services Account : {$540.00} Reported : XX/XX/year> I am filing this complaint after multiple disputes with this company regarding the above account. \nDespite sending multiple dispute letters, the company continues to respond with the same generic account summaries and has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). \nThey have not provided competent evidence of the debt, only internal summaries, which do not constitute proper verification. \nIn some cases, accounts have been improperly updated, reinserted, or marked inaccurately instead of being removed entirely. \nFor accounts dismissed in court, the company continues to report them despite lack of evidence and legal standing. \nThis is inaccurate, misleading, and a violation of federal law. \nI am requesting : Immediate and permanent deletion from all credit bureaus Proof of investigation and method of verification Confirmation that deletion has been submitted to all three credit bureaus Failure to comply demonstrates continued noncompliance with federal law.\n\nI expect resolution within the required CFPB response timeframe.","date_sent_to_company":"2026-04-06T15:02:44.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"65616","tags":"Servicemember","has_narrative":true,"complaint_id":"20973180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2026-04-06T14:51:23.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Over the course of the last 5 months, Company : Credit Collection Services Account : {$540.00} Reported : XX/XX/year> I am <em>filing</em> this <em>complaint</em> after multiple disputes with this company <em>regarding</em> the above account. \nDespite sending multiple dispute letters, the company continues to respond with the same generic account <em>summaries</em> and has failed to conduct a reasonable <em>investigation</em> as required <em>under</em> the Fair Credit Reporting Act ( FCRA )."]},"sort":[18.79773,"20973180"]},{"_index":"complaint-public-v1","_id":"16298488","_score":17.770409,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Complaint Summary Axos XXXX I am filing a complaint against Axos XXXX  regarding XXXX unauthorized transaction disputes : Claim # XXXX ( filed XX/XX/year> ) As of XX/XX/year>, more than XXXX month has passed and no resolution has been provided. \n\nI have followed up with XXXX every XXXX weeks since filing these disputes, but I have received no provisional credit, no written acknowledgment of an extension, and no final determination. \n\nUnder federal law : Regulation XXXX ( XXXX CFR XXXX ) requires banks to resolve unauthorized debit/ACH/ATM disputes within XXXX business days, or issue a provisional credit while extending the investigation. \n\nRegulation Z ( XXXX CFR XXXX ) requires credit card issuers to acknowledge a billing error dispute within 30 days and resolve it within XXXX  days. \n\nAxos XXXX  failure to provide provisional credit, timely acknowledgment, or a resolution appears to be a violation of these regulations.","date_sent_to_company":"2025-10-01T11:29:49.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"17325","tags":null,"has_narrative":true,"complaint_id":"16298488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AXOS FINANCIAL, INC.","date_received":"2025-10-01T11:22:04.000Z","state":"PA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Consumer <em>Complaint</em> <em>Summary</em> Axos XXXX I am <em>filing</em> a <em>complaint</em> against Axos XXXX  <em>regarding</em> XXXX unauthorized transaction disputes : Claim # XXXX ( <em>filed</em> XX/XX/year> ) As of XX/XX/year>, more than XXXX month has passed and no resolution has been provided. \n\nI have followed up with XXXX every XXXX weeks since <em>filing</em> these disputes, but I have received no provisional credit, no written acknowledgment of an extension, and no final determination."]},"sort":[17.770409,"16298488"]},{"_index":"complaint-public-v1","_id":"15278070","_score":17.51307,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing this complaint regarding Resurgent Capital Services. I have filed an identity theft report and have spoken with Resurgent Capital Services twice regarding an alleged debt they claim I owe. \n\nI specifically requested an original copy of the contract or documentation from the original creditor proving that I owe this balance. Instead, they have repeatedly sent only an account summary, which does not satisfy the validation requirements under federal law. \n\nViolations of U.S. Code : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Requires that, upon written dispute, a debt collector must provide proper validation of the debt, not merely an account summary. \n15 U.S.C. 1681c-2 ( FCRA ) : When an identity theft report is submitted, furnishers and credit reporting agencies are required to block information resulting from identity theft from appearing on a consumers report. \n\nResurgent Capital Services is refusing to provide full validation as required by law and continues to attempt to collect without proper documentation. I request that the CFPB investigate this matter and require Resurgent Capital Services to : XXXX. Provide original documentation bearing my signature or other definitive proof of the debt, or XXXX. Cease collection activity and remove any reporting associated with this alleged account. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-08-15T04:48:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"38141","tags":null,"has_narrative":true,"complaint_id":"15278070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-08-15T04:26:43.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this <em>complaint</em> <em>regarding</em> Resurgent Capital Services. I have <em>filed</em> an identity theft report and have spoken with Resurgent Capital Services twice <em>regarding</em> an alleged debt they claim I owe. \n\nI specifically requested an original copy of the contract or documentation from the original creditor proving that I owe this balance. Instead, they have repeatedly sent only an account <em>summary</em>, which does not satisfy the validation requirements <em>under</em> <em>federal</em> law. \n\nViolations of U.S."]},"sort":[17.51307,"15278070"]},{"_index":"complaint-public-v1","_id":"13138823","_score":17.266806,"_source":{"product":"Debt collection","complaint_what_happened":"I previously filed a complaint regarding an alleged debt, and the company responded through the CFPB portal. However, the response provided by LVNV/XXXX  does not meet the legal requirements for debt validation under 15 U.S.C. 1692g ( b ) of the FDCPA. Billing statements and self-generated summaries do not qualify as validation. They failed to produce a signed original agreement or chain of assignment proving their right to collect this alleged debt. \n\nAdditionally, they violated FCRA 1681e ( b ) by updating and using address information pulled directly from my disputewithout proper validation first. This constitutes a failure to ensure the maximum possible accuracy of my credit file. \n\nTheir response also does not satisfy their obligation under FCRA 623 ( b ) to investigate and accurately report disputed information. Updating account data while maintaining negative reporting without sufficient verification is unlawful. \n\nI am formally disputing this account again and demand that it be deleted from all consumer credit reports due to failure to validate and violations of my rights under federal law.","date_sent_to_company":"2025-04-23T20:38:52.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92054","tags":null,"has_narrative":true,"complaint_id":"13138823","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-04-23T20:26:15.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I previously <em>filed</em> a <em>complaint</em> <em>regarding</em> an alleged debt, and the company responded through the CFPB portal. However, the response provided by LVNV/XXXX  does not meet the legal requirements for debt validation <em>under</em> 15 U.S.C. 1692g ( b ) of the FDCPA. Billing statements and self-generated <em>summaries</em> do not qualify as validation. They failed to produce a signed original agreement or chain of assignment proving their right to collect this alleged debt."]},"sort":[17.266806,"13138823"]},{"_index":"complaint-public-v1","_id":"10992503","_score":17.103659,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Unlawful Reporting of Bankruptcy Record and Associated Accounts Complainant : XXXX XXXX Credit Reporting Agency : Experian Complaint Summary : Experian continues to unlawfully report a Chapter XXXX bankruptcy ( Filing Number : XXXX, Filed : XX/XX/2019 ) and associated accounts on my credit report despite multiple dispute attempts. I provided an affidavit from the court confirming that they do not share information with credit reporting agencies. Experians claim of verifying this information with the original creditor is both false and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\nI have already filed a formal complaint with the Federal Trade Commission ( FTC ), Report XXXX XXXX, regarding these violations. Despite three dispute rounds, Experian has failed to meet verification requirements or provide accurate reporting. Their continued inclusion of this information disregards federal regulations and my rights as a consumer. \n\nResolution Requested : Immediate removal of the bankruptcy record and all associated accounts. \nWritten confirmation of removal within 15 days. \nAttachments : Court affidavit. \nDispute correspondence. \nFTC complaint ( No. XXXX ). \nExperians actions are unlawful, and I request the CFPB to investigate and enforce compliance. \n\nSigned : XXXX XXXX","date_sent_to_company":"2024-12-02T18:01:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33543","tags":null,"has_narrative":true,"complaint_id":"10992503","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-02T18:01:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Experians claim of verifying this information with the original creditor is both false and a violation of my rights <em>under</em> the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\nI have already <em>filed</em> a formal <em>complaint</em> with the <em>Federal</em> Trade Commission ( FTC ), Report XXXX XXXX, <em>regarding</em> these violations. Despite three dispute rounds, Experian has failed to meet verification requirements or provide accurate reporting."]},"sort":[17.103659,"10992503"]},{"_index":"complaint-public-v1","_id":"10992414","_score":17.103659,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Unlawful Reporting of XXXX  Record and Associated Accounts Complainant : XXXX XXXX XXXX XXXX XXXX : Experian Complaint Summary : Experian continues to unlawfully report a XXXX XXXX XXXX ( Filing Number : XXXX, Filed : XX/XX/year> ) and associated accounts on my credit report despite multiple dispute attempts. I provided an affidavit from the court confirming that they do not share information with credit reporting agencies. Experians claim of verifying this information with the original creditor is both false and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\nI have already filed a formal complaint with the Federal Trade Commission ( FTC ), Report XXXX XXXX, regarding these violations. Despite three dispute rounds, Experian has failed to meet verification requirements or provide accurate reporting. Their continued inclusion of this information disregards federal regulations and my rights as a consumer.\n\nResolution Requested : Immediate removal of the XXXX record and all associated accounts. \nWritten confirmation of removal within 15 days. \nAttachments : Court affidavit. \nDispute correspondence. \nFTC complaint ( No. XXXX ). \nExperians actions are unlawful, and I request the CFPB to investigate and enforce compliance. \n\nSigned : XXXX XXXX","date_sent_to_company":"2024-12-02T18:01:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33543","tags":null,"has_narrative":true,"complaint_id":"10992414","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-02T17:39:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Experians claim of verifying this information with the original creditor is both false and a violation of my rights <em>under</em> the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). \n\nI have already <em>filed</em> a formal <em>complaint</em> with the <em>Federal</em> Trade Commission ( FTC ), Report XXXX XXXX, <em>regarding</em> these violations. Despite three dispute rounds, Experian has failed to meet verification requirements or provide accurate reporting."]},"sort":[17.103659,"10992414"]},{"_index":"complaint-public-v1","_id":"14218739","_score":16.93,"_source":{"product":"Student loan","complaint_what_happened":"I am writing to formally file a complaint against the U.S. Department of Educations Federal Student Aid Office ( FAFSA ) regarding unacceptable and unresolved issues related to my XXXX financial aid application. I believe this constitutes a failure to provide clear financial communication and timely service, ultimately affecting my right to access federal educational funding. \n\nI am a student at XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ). I submitted my XXXX FAFSA application months ago. Despite making all the required corrections and resubmitting the application several timesincluding mailing in a paper signature for my contributor ( my spouse ), as requestedFAFSA has failed to update or process my application. They have confirmed receipt of my mailed form but have not provided any progress update or final status. \n\nI have called FAFSA support repeatedly. While some agents were helpful, I have been : Denied access to a supervisor Denied the ability to speak with technical support Given repetitive, inaccurate instructions that have already been followed Referred back and forth between FAFSA and my school, creating a cycle with no resolution In addition, I have not received my submission summary report in the mail which I was informed that will possibly fix the issue. I have been waiting for a letter in the mail from them for almost two months.\n\nThis situation has created confusion, hardship, and the risk of delayed or canceled education due to financial aid denial. I am asking the CFPB to investigate whether FAFSA and/or its affiliated servicing contractors are engaging in practices that violate consumer protection standards under federal education loan servicing regulations.\n\nSummary of Complaint : Failure to update or finalize FAFSA application despite full compliance Miscommunication and improper handling of mailed documents Repeated obstruction of escalation or supervisor access Inconsistent and unclear guidance regarding school aid eligibility and bankruptcy concerns Financial harm due to inability to access approved aid I have supporting documentation including mailed form confirmations, application corrections, and correspondence logs, which I am willing to provide upon request. \n\nI request the CFPB to investigate this matter and help ensure that FAFSA properly processes my financial aid application and provides the transparency and communication required under federal law. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-06-22T22:22:10.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"20737","tags":null,"has_narrative":true,"complaint_id":"14218739","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Servicer under contract with Federal Student Aid","date_received":"2025-06-22T21:55:22.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["I am asking the CFPB to <em>investigate</em> whether FAFSA and/or its affiliated servicing contractors are engaging in practices that violate consumer protection standards <em>under</em> <em>federal</em> education loan servicing regulations."],"company":["Servicer <em>under</em> contract with <em>Federal</em> Student Aid"],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[16.93,"14218739"]},{"_index":"complaint-public-v1","_id":"16945690","_score":16.813643,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Violations of FCRA and TILA by TransUnion To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by TransUnion. Despite multiple written disputesLetter 1 dated XX/XX/2025 and Letter 2 dated XX/XX/XXXX, XXXX credit bureau has failed to fulfill its legal responsibilities in investigating and verifying disputed information. \nNature of the Complaint : I have disputed the accuracy and validity of the following account ( s ), which remain on my credit report : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. \n\nCreditor Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. \n\nLegal Basis for Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to Conduct a Proper Reinvestigation The bureau did not provide an adequate description of the reinvestigation process as required by law.\n\n15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The information reported does not meet the standard of accuracy required under the FCRA.\n\n15 U.S.C. 1681b ( 2 ) Impermissible Purpose The information reported may have been shared or retained without a legally permissible purpose.\n\n15 U.S.C. 1681a ( 4 ) Violation of Privacy Rights The ongoing reporting of this account violates my right to privacy under federal law.\n\n15 U.S.C. 1681i ( 7 ) Failure to Provide Investigation Summary I have not received a summary of the investigation process within the 15-day window, as required.\n\n15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) Verification Failure I am invoking my right to demand physical proof of the original signed contract related to this account. Failure to produce this documentation constitutes a breach of verification standards.\n\nViolations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate and Timely Disclosures TransUnion failed to provide accurate disclosures regarding the status of the account in accordance with the TILA.\n\nFederal Consumer Protection Violations : Title 15, Chapter 41 This bureaus repeated failures to verify and correct information indicate systemic violations of federal consumer protection laws.\n\nPublic Law 91-506, Title VI, Section 611 ( Subsections AD ) The process used did not comply with federal requirements for removing inaccurate or unverifiable information.","date_sent_to_company":"2025-10-31T20:18:49.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"16945690","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-31T20:11:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> Violations of FCRA and TILA by TransUnion To the Consumer Financial Protection Bureau ( CFPB ) : I am <em>filing</em> this <em>complaint</em> <em>regarding</em> ongoing violations of my consumer rights <em>under</em> the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by TransUnion."]},"sort":[16.813643,"16945690"]},{"_index":"complaint-public-v1","_id":"16945886","_score":16.80948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Violations of FCRA and TILA by Equifax To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by Equifax. Despite multiple written disputesLetter XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/XXXX, XXXX credit bureau has failed to fulfill its legal responsibilities in investigating and verifying disputed information. \nNature of the Complaint : I have disputed the accuracy and validity of the following account ( s ), which remain on my credit report : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. \n\nCreditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. \n\nLegal Basis for Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to Conduct a Proper Reinvestigation The bureau did not provide an adequate description of the reinvestigation process as required by law. \n\n15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The information reported does not meet the standard of accuracy required under the FCRA.\n\n15 U.S.C. 1681b ( 2 ) Impermissible Purpose The information reported may have been shared or retained without a legally permissible purpose.\n\n15 U.S.C. 1681a ( 4 ) Violation of Privacy Rights The ongoing reporting of this account violates my right to privacy under federal law.\n\n15 U.S.C. 1681i ( 7 ) Failure to Provide Investigation Summary I have not received a summary of the investigation process within the 15-day window, as required. \n\n15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) Verification Failure I am invoking my right to demand physical proof of the original signed contract related to this account. Failure to produce this documentation constitutes a breach of verification standards. \n\nViolations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate and Timely Disclosures Equifax failed to provide accurate disclosures regarding the status of the account in accordance with the TILA. \n\nFederal Consumer Protection Violations : Title 15, Chapter 41 This bureaus repeated failures to verify and correct information indicate systemic violations of federal consumer protection laws. \n\nPublic Law 91-506, Title VI, Section 611 ( Subsections AD ) The process used did not comply with federal requirements for removing inaccurate or unverifiable information.","date_sent_to_company":"2025-10-31T20:28:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"16945886","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-31T20:24:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> Violations of FCRA and TILA by Equifax To the Consumer Financial Protection Bureau ( CFPB ) : I am <em>filing</em> this <em>complaint</em> <em>regarding</em> ongoing violations of my consumer rights <em>under</em> the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by Equifax."]},"sort":[16.80948,"16945886"]},{"_index":"complaint-public-v1","_id":"16945144","_score":16.799858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Violations of FCRA and TILA by Experian To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by Experian. Despite multiple written disputesLetter XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/XXXX, XXXX credit bureau has failed to fulfill its legal responsibilities in investigating and verifying disputed information. \nNature of the Complaint : I have disputed the accuracy and validity of the following account ( s ), which remain on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. \n\nCreditor Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. \n\nLegal Basis for Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to Conduct a Proper Reinvestigation The bureau did not provide an adequate description of the reinvestigation process as required by law.\n\n15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The information reported does not meet the standard of accuracy required under the FCRA.\n\n15 U.S.C. 1681b ( 2 ) Impermissible Purpose The information reported may have been shared or retained without a legally permissible purpose.\n\n15 U.S.C. 1681a ( 4 ) Violation of Privacy Rights The ongoing reporting of this account violates my right to privacy under federal law.\n\n15 U.S.C. 1681i ( 7 ) Failure to Provide Investigation Summary I have not received a summary of the investigation process within the 15-day window, as required.\n\n15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) Verification Failure I am invoking my right to demand physical proof of the original signed contract related to this account. Failure to produce this documentation constitutes a breach of verification standards.\n\nViolations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate and Timely Disclosures Experian failed to provide accurate disclosures regarding the status of the account in accordance with the TILA.\n\nFederal Consumer Protection Violations : Title 15, Chapter 41 This bureaus repeated failures to verify and correct information indicate systemic violations of federal consumer protection laws.\n\nPublic Law 91-506, Title VI, Section 611 ( Subsections AD ) The process used did not comply with federal requirements for removing inaccurate or unverifiable information.","date_sent_to_company":"2025-10-31T20:24:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"16945144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-31T20:18:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal <em>Complaint</em> Violations of FCRA and TILA by Experian To the Consumer Financial Protection Bureau ( CFPB ) : I am <em>filing</em> this <em>complaint</em> <em>regarding</em> ongoing violations of my consumer rights <em>under</em> the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by Experian."]},"sort":[16.799858,"16945144"]},{"_index":"complaint-public-v1","_id":"14228274","_score":16.783867,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed multiple identity theft disputes with the CFPB regarding fraudulent and inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. I followed all proper procedures and submitted the required documentation, including : A valid FTC Identity Theft Report Proof of identity A formal written request for blocking fraudulent items under FCRA 605B CFPB Complaint Details : Experian Complaint ID : XXXX ( Filed XX/XX/year> Still open, no action taken ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Equifax Complaint ID : XXXX ( Filed XX/XX/year> Closed ; they falsely claimed missing documents ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) TransUnion Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Despite proper and timely submission through the CFPB complaint portal, I have received no documentation, no investigation summaries, and no verification methods from any bureau regarding items they have left on my credit reports. Their failure to respond transparently and lawfully constitutes willful negligence and knowing noncompliance with the Fair Credit Reporting Act ( FCRA ). \n\nSpecific Violations : Equifax is refusing to honor documentation submitted via the CFPB, demanding that I resubmit materials directly. This is a violation of FCRA 605B ( c ) and demonstrates knowing noncompliance with the CFPBs formal complaint process.\n\nTransUnion falsely claims it never received my identity theft documentation, despite full submission through the CFPB portal a clear case of negligence and failure to meet its obligations under FCRA 605B.\n\nExperian has taken no action at all. I have received no written update, no results of any investigation, and no evidence that any investigation occurred. This is a blatant violation of FCRA XXXX ( a ) ( XXXX ), which requires that consumers be provided the method of verification when disputed information is retained. \n\nAll three credit bureaus are demonstrating willful negligence and knowing noncompliance with federal consumer protection law. Their failure to block, investigate, or properly verify fraudulent information after receiving valid identity theft documentation is unlawful and harmful.","date_sent_to_company":"2025-06-21T16:42:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23666","tags":null,"has_narrative":true,"complaint_id":"14228274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-21T16:32:46.000Z","state":"VA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["> Still open ) TransUnion <em>Complaint</em> ID : XXXX ( <em>Filed</em> XX/XX/year> Still open ) <em>Complaint</em> ID : XXXX ( <em>Filed</em> XX/XX/year> Still open ) Despite proper and timely submission through the CFPB <em>complaint</em> portal, I have received no documentation, no <em>investigation</em> <em>summaries</em>, and no verification methods from any bureau <em>regarding</em> items they have left on my credit reports."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.783867,"14228274"]},{"_index":"complaint-public-v1","_id":"14228815","_score":16.779875,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed multiple identity theft disputes with the CFPB regarding fraudulent and inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. I followed all proper procedures and submitted the required documentation, including : A valid FTC Identity Theft Report Proof of identity A formal written request for blocking fraudulent items under FCRA 605B CFPB Complaint Details : Experian Complaint ID : XXXX ( Filed XX/XX/year> Still open, no action taken ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Equifax Complaint ID : XXXX ( Filed XX/XX/year> Closed ; they falsely claimed missing documents ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) TransUnion Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Despite proper and timely submission through the CFPB complaint portal, I have received no documentation, no investigation summaries, and no verification methods from any bureau regarding items they have left on my credit reports. Their failure to respond transparently and lawfully constitutes willful negligence and knowing noncompliance with the Fair Credit Reporting Act ( FCRA ). \n\nSpecific Violations : Equifax is refusing to honor documentation submitted via the CFPB, demanding that I resubmit materials directly. This is a violation of FCRA 605B ( c ) and demonstrates knowing noncompliance with the CFPBs formal complaint process.\n\nTransUnion falsely claims it never received my identity theft documentation, despite full submission through the CFPB portal a clear case of negligence and failure to meet its obligations under FCRA 605B.\n\nExperian has taken no action at all. I have received no written update, no results of any investigation, and no evidence that any investigation occurred. This is a blatant violation of FCRA XXXX ( a ) ( XXXX ), which requires that consumers be provided the method of verification when disputed information is retained. \n\nAll three credit bureaus are demonstrating willful negligence and knowing noncompliance with federal consumer protection law. Their failure to block, investigate, or properly verify fraudulent information after receiving valid identity theft documentation is unlawful and harmful.","date_sent_to_company":"2025-06-21T16:42:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23666","tags":null,"has_narrative":true,"complaint_id":"14228815","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-21T16:41:58.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["> Still open ) TransUnion <em>Complaint</em> ID : XXXX ( <em>Filed</em> XX/XX/year> Still open ) <em>Complaint</em> ID : XXXX ( <em>Filed</em> XX/XX/year> Still open ) Despite proper and timely submission through the CFPB <em>complaint</em> portal, I have received no documentation, no <em>investigation</em> <em>summaries</em>, and no verification methods from any bureau <em>regarding</em> items they have left on my credit reports."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.779875,"14228815"]},{"_index":"complaint-public-v1","_id":"14228814","_score":16.764006,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed multiple identity theft disputes with the CFPB regarding fraudulent and inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. I followed all proper procedures and submitted the required documentation, including : A valid FTC Identity Theft Report Proof of identity A formal written request for blocking fraudulent items under FCRA 605B CFPB Complaint Details : Experian Complaint ID : XXXX ( Filed XX/XX/year> Still open, no action taken ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Equifax Complaint ID : XXXX ( Filed XX/XX/year> Closed ; they falsely claimed missing documents ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) TransUnion Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Despite proper and timely submission through the CFPB complaint portal, I have received no documentation, no investigation summaries, and no verification methods from any bureau regarding items they have left on my credit reports. Their failure to respond transparently and lawfully constitutes willful negligence and knowing noncompliance with the Fair Credit Reporting Act ( FCRA ). \n\nSpecific Violations : Equifax is refusing to honor documentation submitted via the CFPB, demanding that I resubmit materials directly. This is a violation of FCRA 605B ( c ) and demonstrates knowing noncompliance with the CFPBs formal complaint process.\n\nTransUnion falsely claims it never received my identity theft documentation, despite full submission through the CFPB portal a clear case of negligence and failure to meet its obligations under FCRA 605B.\n\nExperian has taken no action at all. I have received no written update, no results of any investigation, and no evidence that any investigation occurred. This is a blatant violation of FCRA XXXX ( a ) ( XXXX ), which requires that consumers be provided the method of verification when disputed information is retained. \n\nAll three credit bureaus are demonstrating willful negligence and knowing noncompliance with federal consumer protection law. Their failure to block, investigate, or properly verify fraudulent information after receiving valid identity theft documentation is unlawful and harmful.","date_sent_to_company":"2025-06-21T16:42:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23666","tags":null,"has_narrative":true,"complaint_id":"14228814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-21T16:41:58.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["> Still open ) TransUnion <em>Complaint</em> ID : XXXX ( <em>Filed</em> XX/XX/year> Still open ) <em>Complaint</em> ID : XXXX ( <em>Filed</em> XX/XX/year> Still open ) Despite proper and timely submission through the CFPB <em>complaint</em> portal, I have received no documentation, no <em>investigation</em> <em>summaries</em>, and no verification methods from any bureau <em>regarding</em> items they have left on my credit reports."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.764006,"14228814"]},{"_index":"complaint-public-v1","_id":"14539870","_score":16.745577,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian due to its failure to investigate and respond to a legitimate and fully documented dispute regarding multiple inaccuracies on my credit report. Experians inaction constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about its adherence to federally mandated consumer protection standards. \nOn XX/XX/year>, I sent a detailed dispute letter to Experian via XXXX XXXX Mail ( Tracking Number : XXXX ), formally requesting an investigation into the following items : XXXX XXXX Bankruptcy ( Reference # XXXX ) Supporting documentation included, such as a copy of the PACER case summary and a copy of my credit report, highlighting the errors. \nXXXX XXXX Bankruptcy ( Reference # XXXX ) Supporting documentation included, such as a copy of the PACER case summary and a copy of my credit report, highlighting the errors. \n3.Inaccurate personal information listed on my credit profile.\n\nTo ensure proper identity verification, I included all required documentation : A copy of my government-issued photo ID, social security card , recent utility bill reflecting my current address. According to USPS tracking records, the dispute letter was delivered to Experian on XX/XX/year>. \nAs of todaywell over 30 days laterI have received no response, no updates, and no results from Experian regarding the outcome of my dispute. This failure to conduct a reinvestigation and provide a timely response is a direct breach of Experians legal obligations under the FCRA. \nUnder the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to conduct a reasonable investigation and provide the consumer with the results within 30 days of receiving a valid dispute. Experian has failed on all counts. This level of negligence obstructs my ability to maintain an accurate credit report and directly harms my financial standing. Moreover, Experians noncompliance undermines consumer trust and calls into question the bureaus commitment to federal regulations. \nI am attaching a copy of the original dispute letter and USPS certified mail proof of delivery as evidence of my effort to resolve this matter in good faith.","date_sent_to_company":"2025-07-09T19:57:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"14539870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-09T19:50:13.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I am <em>filing</em> this <em>complaint</em> against Experian due to its failure to <em>investigate</em> and respond to a legitimate and fully documented dispute <em>regarding</em> multiple inaccuracies on my credit report. Experians inaction constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and raises serious concerns about its adherence to <em>federally</em> mandated consumer protection standards."],"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":[16.745577,"14539870"]},{"_index":"complaint-public-v1","_id":"14423598","_score":16.744139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Notice of Mishandling and Misrepresentation by Experian and Equifax Regarding Improper Use of Credit Report and Deceptive Investigation Practices Dear CFPB Representative, I am submitting this formal notice to express serious concerns and allegations regarding both Experian and Equifax for the mishandling of my consumer credit file, specifically as it relates to a previously deleted account with XXXX XXXX XXXX XXXX ( XXXX  ) that was improperly reinserted and each bureau 's subsequent deceptive handling of my disputes and complaints. \n\nSummary of Experian 's Violations : The XXXX account in question was successfully removed from my Experian credit file in XX/XX/2025, after being disputed. \n\nWithout notice or certification of reinvestigation, this same account reappeared in XX/XX/2025. \n\nI immediately filed multiple complaints and disputes, both directly with Experian and through the CFPB portal ( Over XXXX complaints submitted to date ). \n\nDespite Experian 's portal stating the dispute is closed, the CFPB complaint portal falsely reflects that the investigation is still in progress. \n\nThis discrepancy indicates that Experian XXXX be misleading federal investigators by falsely presenting ongoing investigations when in fact they are concluded and ignored. \n\nSummary of Equifax 's Violations : A CFPB complaint regarding the XXXX account was filed in XX/XX/2025 under Reference Complaint XXXX XXXX XXXXXXXX. \n\nI provided supporting documentation with that complaint, which was forwarded to Equifax. \n\nAs a result, Equifax confirmed that the disputed XXXX  account was deleted, and I received written confirmation of this outcome. \n\nHowever, in XX/XX/2025, the XXXX account was reinserted on my Equifax credit report without notice or certification, in violation of FCRA regulations. \n\nI immediately contacted Equifax on the phone and received Confirmation XXXX XXXX XXXX to have the account removed. Yet, over XXXX  days later, the account remains on my credit report. \n\nI called again on XXXX XXXX  and spoke with Representative XXXX XXXX XXXX XXXX XXXX  ) and was issued another Confirmation XXXX XXXX XXXXXXXX with the understanding that the account would be removed. Still, no action has been taken. \n\nEquifax has failed to correct inaccurate reporting and continues to permit unauthorized use of my credit file. \n\nXXXX and XXXX Violations : The actions of both Experian and Equifax constitute multiple violations of : XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) : Reinserted information must be certified by the furnisher and the consumer notified within XXXX business days. \n\nXXXX. FCRA XXXX & XXXX ( a ) ( XXXX ) : I exercised my rights for verification and blocking of inaccurate or fraudulent data. \n\nXXXX. FCRA XXXX ( a ) : Failure to conduct a proper reinvestigation. \n\nXXXX. FCRA XXXX ( a ) : Permissible purpose violatedcontinued unauthorized access to my credit file. \n\nXXXX. CFPB XXXX XXXX ( XXXX XXXX XXXX ) : Inaccurate reporting, failure to maintain reasonable procedures, and failure to respond to consumer complaints effectively. \n\nXXXX XXXX Requested : - XXXX permanent removal of the XXXX account from both my Experian and Equifax credit reports. \n\n- Full disclosure from both bureaus regarding the certification used ( if any ) to reinsert the XXXX account. \n\n- An independent CFPB review of each bureau 's mishandling of timelines, documentation, and misrepresentation of complaint statuses. \n\n- Sanctions or enforcement action against Experian and Equifax for repeated and willful violations of the FCRA and for the deceptive handling of my consumer rights. \n\nI have exhausted all administrative remedies directly with both Experian and Equifax and now seek immediate federal intervention. The supporting documentation referenced including complaint history, confirmation numbers, and dispute materials is already on file and available within the CFPB portal under previously submitted complaints. I trust the XXXX will thoroughly examine these records and hold each bureau accountable for its noncompliance. \n\nRespectfully, XXXX XXXX XXXX","date_sent_to_company":"2025-07-02T15:22:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27545","tags":null,"has_narrative":true,"complaint_id":"14423598","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-02T15:13:16.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite Experian 's portal stating the dispute is closed, the CFPB <em>complaint</em> portal falsely reflects that the <em>investigation</em> is still in progress. \n\nThis discrepancy indicates that Experian XXXX be misleading <em>federal</em> <em>investigators</em> by falsely presenting ongoing <em>investigations</em> when in fact they are concluded and ignored. \n\n<em>Summary</em> of Equifax 's Violations : A CFPB <em>complaint</em> <em>regarding</em> the XXXX account was <em>filed</em> in XX/XX/2025 <em>under</em> Reference <em>Complaint</em> XXXX XXXX XXXXXXXX."]},"sort":[16.744139,"14423598"]},{"_index":"complaint-public-v1","_id":"6947669","_score":16.643707,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Credit Bureau has violated my rights under The Fair Credit Reporting Act ( FCRA ), which is the federal law that regulates credit reporting agencies and compels them to insure, that the information they gather and distribute is a fair and accurate summary of a consumers credit history, Equifax has failed in its duty. On XX/XX/2023, I filed a complaint # XXXX regarding debt collector XXXX XXXX XXXX XXXX and its fraudulent, identity theft account being reported to Equifax credit bureau XXXX Equifax has failed to adequately investigate, this inaccurate, fraudulent, identity theft account and have ignored the police report submitted to them showing proof that this is indeed a fraudulent, identity theft account. XXXX and XXXX have completed its investigations and have successfully proven this debtor collector to be a fraudulent account and have removed said account from its credit bureau XXXX XXXX. However, Equifax is for whatever reason still reporting and refusing to remove this inaccurate, fraudulent, identity theft account from its credit report system.","date_sent_to_company":"2023-05-09T03:06:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"6947669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-09T02:34:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/2023, I <em>filed</em> a <em>complaint</em> # XXXX <em>regarding</em> debt collector XXXX XXXX XXXX XXXX and its fraudulent, identity theft account being reported to Equifax credit bureau XXXX Equifax has failed to adequately <em>investigate</em>, this inaccurate, fraudulent, identity theft account and have ignored the police report submitted to them showing proof that this is indeed a fraudulent, identity theft account."],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.643707,"6947669"]},{"_index":"complaint-public-v1","_id":"17868027","_score":16.607985,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against TransUnion for failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( 15 USC 1681i ), failure to ensure maximum possible accuracy ( 1681e ( b ) ), and for accepting clearly inaccurate/retaliatory data furnished by XXXX XXXX while my dispute was still open. \n\nBetween XXXX 2025, I filed a dispute regarding a XXXX XXXX tradeline that is factually inaccurate and includes impossible payment activity. TransUnion initially opened the dispute, however on XXXX XXXX, 2025 TransUnion reported the account as verified as accurate while the furnisher was still actively under investigation with the other CRAs for the same inaccuracies and for retaliation. \n\nTransUnion accepted new updated information from the furnisher even though this account was already in an active dispute period and the update itself appears retaliatory, similar to earlier retaliatory updates provided to other CRAs. \n\nTransUnion failed to provide me with the validation used to verify the accuracy, failed to provide procedures used in the reinvestigation, and failed to identify any actual documentary validation from the furnisher. \n\nTransUnions own dispute summary indicates they relied on prior verification rather than an independent reinvestigation. This is not compliant with FCRA and was already federally disputed.","date_sent_to_company":"2025-12-09T12:42:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90045","tags":null,"has_narrative":true,"complaint_id":"17868027","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-09T12:32:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a <em>complaint</em> against TransUnion for failure to conduct a reasonable <em>investigation</em> <em>under</em> the Fair Credit Reporting Act ( 15 USC 1681i ), failure to ensure maximum possible accuracy ( 1681e ( b ) ), and for accepting clearly inaccurate/retaliatory data furnished by XXXX XXXX while my dispute was still open. \n\nBetween XXXX 2025, I <em>filed</em> a dispute <em>regarding</em> a XXXX XXXX tradeline that is factually inaccurate and includes impossible payment activity."],"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":[16.607985,"17868027"]},{"_index":"complaint-public-v1","_id":"16202349","_score":16.58179,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX ( XXXX XXXX ) Address : Axos Financial , Inc . \nXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Consumer Complaint Summary Axos Bank I am filing a complaint against Axos Bank regarding XXXX unauthorized transaction disputes : Claim # XXXX ( filed XX/XX/year> ) Claim # XXXX ( filed XX/XX/year> ) As of XX/XX/year>, more than XXXX month has passed and no resolution has been provided. \n\n\n\nI have followed up with XXXX every XXXX weeks since filing these disputes, but I have received no provisional credit, no written acknowledgment of an extension, and no final determination. \n\n\n\nUnder federal law : Regulation XXXX ( XXXX CFR XXXX ) requires banks to resolve unauthorized debit/ACH/ATM disputes within XXXX business days, or issue a provisional credit while extending the investigation. \n\nRegulation XXXX  ( XXXX CFR XXXX ) requires credit card issuers to acknowledge a billing error dispute within XXXX  days and resolve it within XXXX  days. \n\n\n\nXXXX Banks failure to provide provisional credit, timely acknowledgment, or a resolution appears to be a violation of these regulations.","date_sent_to_company":"2025-09-26T18:19:37.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"17325","tags":null,"has_narrative":true,"complaint_id":"16202349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AXOS FINANCIAL, INC.","date_received":"2025-09-26T18:09:42.000Z","state":"PA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Consumer <em>Complaint</em> <em>Summary</em> Axos Bank I am <em>filing</em> a <em>complaint</em> against Axos Bank <em>regarding</em> XXXX unauthorized transaction disputes : Claim # XXXX ( <em>filed</em> XX/XX/year> ) Claim # XXXX ( <em>filed</em> XX/XX/year> ) As of XX/XX/year>, more than XXXX month has passed and no resolution has been provided."]},"sort":[16.58179,"16202349"]},{"_index":"complaint-public-v1","_id":"15993231","_score":16.399788,"_source":{"product":"Student loan","complaint_what_happened":"Product : Student Loan Issue : Problem with a loan servicer / privacy and data handling Complaint Summary : I am filing a complaint regarding a violation of my privacy rights connected to my federal student loan account. \n\nI believe my personal data has been improperly accessed and/or shared through the XXXX.S. Department of Educations systems without my authorization. I was never notified of this disclosure and did not provide consent. I have reason to believe my records were exposed or mishandled in a way that violates my rights under FERPA and other federal protections.\n\nAs a result, my trust in the Department of Education and its servicers has been severely undermined. The mishandling of my private student loan data has caused me emotional distress and has potentially impacted my eligibility for loan forgiveness programs. \n\nRequested Resolution : Investigate whether my student loan data was disclosed or accessed without my consent.\n\nConfirm if a breach occurred, and identify who accessed or received my personal records.\n\nProvide me with a written explanation of the findings.\n\nGiven the seriousness of this violation, I request that the Department of Education and my loan servicer grant appropriate relief, up to and including loan discharge/forgiveness, as remedy for the privacy breach and harm caused.","date_sent_to_company":"2025-09-17T21:09:15.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"15993231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-09-17T20:52:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["Product : Student Loan Issue : Problem with a loan servicer / privacy and data handling <em>Complaint</em> <em>Summary</em> : I am <em>filing</em> a <em>complaint</em> <em>regarding</em> a violation of my privacy rights connected to my <em>federal</em> student loan account. \n\nI believe my personal data has been improperly accessed and/or shared through the XXXX.S. Department of Educations systems without my authorization. I was never notified of this disclosure and did not provide consent."],"sub_product":["<em>Federal</em> student loan servicing"]},"sort":[16.399788,"15993231"]},{"_index":"complaint-public-v1","_id":"15601697","_score":16.371218,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint supplements CFPB Complaint # XXXX, originally filed on XX/XX/year>, regarding Equifaxs failure to comply with the identity theft blocking provisions under 15 U.S.C. 1681c-2. \n\nSummary of Complaint I submitted a full identity theft dispute package to Equifax via certified mail, which was delivered on XX/XX/year>. This package included : FTC Identity Theft Affidavit Police Report Government-issued ID Proof of address List of disputed accounts Equifax has failed to respond directly or take any action, and continues to report the following fraudulent accounts : Fraudulent Accounts Still Being Reported by Equifax XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These are identity theft-related tradelines that must be blocked within 4 business days under federal law. To date, Equifax has not provided any confirmation that these accounts have been blocked. \n\nComparative Compliance from Experian To show that my package was valid and complete : Experian received the exact same identity theft package on XX/XX/year> and responded by blocking the fraudulent accounts from my report. This confirms the documentation I submitted was sufficient and legally compliant. \n\nInterim Response from Equifax Equifax responded to the original CFPB complaint only with a vague statement on XX/XX/XXXX, saying they \" need more time '' to investigate. This is not a valid excuse under the FCRA.","date_sent_to_company":"2025-08-29T16:08:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33919","tags":null,"has_narrative":true,"complaint_id":"15601697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-29T16:05:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This <em>complaint</em> supplements CFPB <em>Complaint</em> # XXXX, originally <em>filed</em> on XX/XX/year>, <em>regarding</em> Equifaxs failure to comply with the identity theft blocking provisions <em>under</em> 15 U.S.C. 1681c-2. \n\n<em>Summary</em> of <em>Complaint</em> I submitted a full identity theft dispute package to Equifax via certified mail, which was delivered on XX/XX/year>."]},"sort":[16.371218,"15601697"]},{"_index":"complaint-public-v1","_id":"17123576","_score":16.271788,"_source":{"product":"Credit card","complaint_what_happened":"Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA Federal Savings Bank Dear XXXX XXXX XXXX Representative, I am submitting this formal complaint against both XXXX  XXXX, XXXX and USAA Federal Savings Bank regarding a defective automotive Engine Control Module ( ECM ) and the improper denial of my billing dispute under the Fair Credit Billing Act ( XXXX ). I respectfully request a full investigation into both companies conduct and a prompt resolution to this matter. \nAttached is a detailed statement outlining the timeline of events, violations, and supporting documentation. Please review this complaint and ensure that both companies are held accountable for their actions. I request that this be treated as a formal consumer complaint under applicable federal consumer protection laws. \n\n* * Companies Involved : * * XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. USAA Federal Savings Bank XXXX XXXX XXXX, XXXX XXXX, TX XXXX Summary of Complaint I am submitting this complaint regarding a defective automotive part purchased from XXXX XXXX XXXX XXXX, and USAA Federal Savings Banks improper handling and denial of my dispute concerning that transaction. \nOn XX/XX/XXXX, I purchased an Engine Control Module ( ECM ) from XXXX  XXXX for my XXXX XXXX XXXX ( Order # XXXX ). The first ECM failed shortly after installation, despite following all required procedures. XXXX XXXX later shipped a replacement on XX/XX/XXXX, which also failed within months. \nXXXX XXXX refused to honor their warranty or provide a refund, despite numerous attempts to contact them. They also provided false information to the Better Business Bureau ( BBB ) and other agencies. When I filed a dispute with USAA ( the card issuer ), USAA improperly denied my claim without conducting a reasonable investigation, in violation of the Fair Credit Billing Act and Regulation Z. \nViolations XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Sold a defective ECM that failed twice under normal use. \n- Failed to honor its warranty or provide a refund. \n- Misrepresented warranty coverage and customer service practices. \n- Provided false statements to the BBB and other regulators. \n* * USAA Federal Savings Bank * * - Denied a legitimate billing dispute without proper investigation. \n- Failed to provide documentation or reasoning for the denial. \n- Violated FCBA and Regulation Z billing error procedures. \n- Continued to hold me liable for a defective product purchase.","date_sent_to_company":"2025-11-09T21:20:10.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"32909","tags":null,"has_narrative":true,"complaint_id":"17123576","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2025-11-09T21:07:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA <em>Federal</em> Savings Bank Dear XXXX XXXX XXXX Representative, I am submitting this formal <em>complaint</em> against both XXXX  XXXX, XXXX and USAA <em>Federal</em> Savings Bank <em>regarding</em> a defective automotive Engine Control Module ( ECM ) and the improper denial of my billing dispute <em>under</em> the Fair Credit Billing Act ( XXXX ). I respectfully request a full <em>investigation</em> into both companies conduct and a prompt resolution to this matter."]},"sort":[16.271788,"17123576"]},{"_index":"complaint-public-v1","_id":"20832517","_score":16.270239,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a formal complaint against Comenity Bank regarding inaccurate and unverified information being reported on my credit file. \n\nI have previously disputed this account directly with the company, requesting proper validation of the alleged debt, including a signed original contract and full account-level documentation. Instead of providing legally sufficient verification, Comenity has only supplied billing statements and summary information, which do not meet the standard of proof required under federal law.\n\nBilling statements are not proof of a valid, enforceable debt, nor do they demonstrate that I am legally obligated for the account. Despite this, Comenity continues to report this account to the credit bureaus, which is causing harm to my credit profile. \n\nThis is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as inaccurate and unverified information must not be reported. The company has failed to properly investigate my dispute and continues to furnish information that can not be substantiated. \n\nI am requesting that Comenity Bank : Provide full and proper validation of this account, including a signed agreement and complete transactional records, OR Immediately delete this account from all credit reporting agencies If Comenity can not provide competent evidence of this debt, they must cease reporting it. \n\nI am seeking a full correction of my credit file and enforcement of my consumer rights.","date_sent_to_company":"2026-04-01T02:30:41.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"20832517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2026-04-01T02:17:29.000Z","state":"NJ","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a formal <em>complaint</em> against Comenity Bank <em>regarding</em> inaccurate and unverified information being reported on my credit <em>file</em>. \n\nI have previously disputed this account directly with the company, requesting proper validation of the alleged debt, including a signed original contract and full account-level documentation."]},"sort":[16.270239,"20832517"]},{"_index":"complaint-public-v1","_id":"16238914","_score":16.198946,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern I am submitting this formal complaint regarding multiple false and damaging items being reported on my credit file. These inaccurate entries include wrong addresses, unverifiable charge-off accounts, and fraudulent collection activity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and the jurisdiction of the Consumer Financial Protection Bureau, I am requesting an immediate investigation and deletion of these items because they are not accurate, not verifiable, and are harming my creditworthiness. \nXXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Address reporting is incorrect and does not belong to me. I have never lived at this location, never applied for credit using this address, and never received any correspondence at this property. Reporting an address that does not belong to me creates confusion, misrepresentation, and the appearance of fraud. This violates FCRA Section 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. \nIn summary, the reporting of false addresses, unverifiable chargeoffs, and fraudulent collections on my credit report is unlawful and in violation of federal consumer protection laws. I respectfully request that the CFPB investigate these violations, hold the furnishers and credit reporting agencies accountable, and require the immediate deletion of any items that can not be 100 % verified with original documentation. My right under federal law is to maintain a credit file free from inaccurate, misleading, and damaging information, and I am requesting that this right be enforced through your office.","date_sent_to_company":"2025-09-29T21:15:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92555","tags":null,"has_narrative":true,"complaint_id":"16238914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-29T21:13:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["My right <em>under</em> <em>federal</em> law is to maintain a credit <em>file</em> free from inaccurate, misleading, and damaging information, and I am requesting that this right be enforced through your office."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.198946,"16238914"]},{"_index":"complaint-public-v1","_id":"16235714","_score":16.196815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern I am submitting this formal complaint regarding multiple false and damaging items being reported on my credit file. These inaccurate entries include wrong addresses, unverifiable charge-off accounts, and fraudulent collection activity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and the jurisdiction of the Consumer Financial Protection Bureau, I am requesting an immediate investigation and deletion of these items because they are not accurate, not verifiable, and are harming my creditworthiness. \nXXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} Chargeoff This account is being reported as a chargeoff, which is false and misleading. The account shows a XXXX balance yet is still marked as charged off. This is contradictory and inaccurate reporting, which directly violates FCRA Section 607 ( b ). The reporting of this account is causing harm by suggesting I defaulted when no such default occurred. This is a violation of my consumer rights, and I demand correction or deletion.\n\nIn summary, the reporting of false addresses, unverifiable chargeoffs, and fraudulent collections on my credit report is unlawful and in violation of federal consumer protection laws. I respectfully request that the CFPB investigate these violations, hold the furnishers and credit reporting agencies accountable, and require the immediate deletion of any items that can not be 100 % verified with original documentation. My right under federal law is to maintain a credit file free from inaccurate, misleading, and damaging information, and I am requesting that this right be enforced through your office.","date_sent_to_company":"2025-09-29T21:19:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92555","tags":null,"has_narrative":true,"complaint_id":"16235714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-29T21:17:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["My right <em>under</em> <em>federal</em> law is to maintain a credit <em>file</em> free from inaccurate, misleading, and damaging information, and I am requesting that this right be enforced through your office."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[16.196815,"16235714"]},{"_index":"complaint-public-v1","_id":"11489233","_score":16.191713,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Follow-Up Complaint XXXX Against Equifax Noncompliance with Best Evidence Rule and UCC 8-102 To Whom It May Concern, I am writing to follow up on my prior complaint ( XXXX ) regarding Equifaxs reporting of inaccurate information on my credit file. Equifaxs response to my complaint failed to address my concerns adequately and highlights further issues with their investigative processes and compliance with federal law, including the Federal Rules of Evidence Rule 1002 ( Best Evidence Rule ) and Uniform Commercial Code ( UCC ) 8-102. \nFederal Rules of Evidence Rule 1002 Best Evidence Rule Equifaxs response states that they verified the accuracy of several disputed items by transmitting my disputes to data furnishers or by seeking information from public record sources, often relying on third-party vendors. However, Rule 1002 mandates that the original document or a certified equivalent must be produced as evidence. In this case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax has not provided original documentation from these furnishers to substantiate the alleged delinquencies. A simple statement of \" verified as reported '' or reliance on electronic summaries provided by the furnishers does not meet the Best Evidence Rule requirements.\\n 2. Public Records : Equifax stated that it obtains public record information, such as judgments or liens, from third-party vendors or databases. Without producing certified copies of the original public records, Equifax can not claim compliance with Rule 1002.\\n Uniform Commercial Code ( UCC ) 8-102 Securities and Record keeping Under UCC 8-102, financial institutions and credit reporting agencies that rely on securities as part of a record keeping system must ensure that the records are maintained accurately and traceable to their original source. Equifaxs reliance on intermediaries, electronic summaries, and public databases introduces significant risks of error, as demonstrated by the issues in my case : 1. Inquiries : Equifax claims that inquiries, such as those from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are \" a factual record of file access. '' However, without providing the original records or verifiable evidence of these inquiries, Equifax can not confirm their accuracy under UCC 8-102.\\n 2. Collections : The item from XXXX XXXX XXXX XXXX has been \" verified '' without producing original contracts, account agreements, or payment records that would substantiate the alleged debt under the UCCs record keeping requirements.\\n My Requests to the CFPB Given these concerns, I respectfully request the CFPB to take the following actions : 1. Require Equifax to produce original documents or certified copies from data furnishers, public records, or other sources that substantiate the disputed information. \n2.\n\nInvestigate Equifaxs reliance on third-party vendors and electronic summaries, which may violate Rule 1002 and UCC 8-102 .\n\n3. Mandate Equifax to delete any items from my credit file for which they can not provide original documentation or certified evidence. \nEquifaxs failure to comply with the Best Evidence Rule and UCC 8-102 undermines the integrity of the credit reporting system and violates my rights under the Fair Credit Reporting Act ( FCRA ). I urge the CFPB to hold Equifax accountable for these shortcomings and ensure that accurate and verifiable information is reported in my credit file. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-12T18:26:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"11489233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-12T18:09:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Follow-Up <em>Complaint</em> XXXX Against Equifax Noncompliance with Best Evidence Rule and UCC 8-102 To Whom It May Concern, I am writing to follow up on my prior <em>complaint</em> ( XXXX ) <em>regarding</em> Equifaxs reporting of inaccurate information 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