{"took":444,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":43458,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11901835","_score":18.589586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to report Transunion failure to investigate and provide verification for disputed late payments reported on my credit report and failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Despite multiple written disputes regarding inaccuracies on my credit report, Transunion has refused to conduct proper investigations or correct the errors as mandated by law. I submitted proof regarding these inaccuracies on XX/XX/XXXX. As of XX/XX/XXXX, Transunion has failed to respond, re-investigate, or provide verification of the information they received from the original sources, which is a clear violation of federal laws under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). This failure has caused harm to my credit score, impacting my ability to secure housing for me and my children. This extended delay in addressing my disputes is also a violation of the FCRA, which mandates timely responses and investigations","date_sent_to_company":"2025-02-03T23:45:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60803","tags":null,"has_narrative":true,"complaint_id":"11901835","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-03T23:21:19.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["This extended delay in addressing my disputes is also a <em>violation</em> of the <em>FCRA</em>, <em>which</em> <em>mandates</em> timely responses and <em>investigations</em>"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[18.589586,"11901835"]},{"_index":"complaint-public-v1","_id":"11706351","_score":18.29095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax always responds within XXXX hours that the account is accurate, without providing any evidence of the investigation. This violates the Fair Credit Reporting Act ( FCRA ) which mandates a reasonable investigation of disputes","date_sent_to_company":"2025-01-22T09:36:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28546","tags":null,"has_narrative":true,"complaint_id":"11706351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-22T09:23:48.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax always responds within XXXX hours that the account is accurate, without providing any evidence of the <em>investigation</em>. This <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes"],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[18.29095,"11706351"]},{"_index":"complaint-public-v1","_id":"11619004","_score":17.947641,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. The practice violates the Fair credit reporting act ( fFCRA ) ,15 USC 1681i which mandates a reasonable investigation of disputes. Please delete that disputed information within required timeline of 30 days as set forth per FCRA which is federal law.","date_sent_to_company":"2025-01-20T04:09:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11230","tags":null,"has_narrative":true,"complaint_id":"11619004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T03:22:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Im filing a complaint against Experian for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my <em>credit</em> <em>report</em>. The practice <em>violates</em> the <em>Fair</em> <em>credit</em> <em>reporting</em> act ( f<em>FCRA</em> ) ,15 USC 1681i <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes. Please delete that disputed information within required timeline of 30 days as set forth per <em>FCRA</em> <em>which</em> is federal law."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Incorrect information on your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"]},"sort":[17.947641,"11619004"]},{"_index":"complaint-public-v1","_id":"8377176","_score":17.71472,"_source":{"product":"Debt collection","complaint_what_happened":"Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-20T02:16:53.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"8377176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-20T02:12:39.000Z","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":["Your continued disregard for my requests <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>which</em> <em>mandates</em> <em>investigation</em> of disputed information. This constitutes a clear <em>violation</em>, subjecting your company to legal consequences. Despite multiple requests to <em>investigate</em> and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[17.71472,"8377176"]},{"_index":"complaint-public-v1","_id":"11693802","_score":17.65959,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. \nDespite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed : XXXX XXXX XXXX, balance {$600.00}, date opened XX/XX/XXXX XXXX XXXX XXXX  balance {$400.00}, date opened XX/XX/XXXX first XXXX XXXX XXXX XXXX balance {$85.00}, date opened XX/XX/XXXX XXXX XXXX XXXX balance {$10.00}, date opened XX/XX/XXXX XXXX, balance {$0.00}, XX/XX/XXXX XXXX","date_sent_to_company":"2025-01-23T17:57:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"11693802","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-23T17:35:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against Equifax for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my <em>credit</em> <em>report</em>. \nDespite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), 15 U.S.C. 1681i, <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.65959,"11693802"]},{"_index":"complaint-public-v1","_id":"11693744","_score":17.634773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. \nDespite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-23T17:58:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"11693744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-23T17:57:55.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against XXXX for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my <em>credit</em> <em>report</em>. \nDespite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), 15 U.S.C. 1681i, <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.634773,"11693744"]},{"_index":"complaint-public-v1","_id":"11693604","_score":17.634773,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. \nDespite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. \nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.\n\n5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-23T17:58:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11412","tags":null,"has_narrative":true,"complaint_id":"11693604","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T17:57:55.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against XXXX for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my <em>credit</em> <em>report</em>. \nDespite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), 15 U.S.C. 1681i, <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.634773,"11693604"]},{"_index":"complaint-public-v1","_id":"12827266","_score":17.596458,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Transitions claims without providing any evidence of a thorough investigation.\n\nThis practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.","date_sent_to_company":"2025-04-04T11:35:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11691","tags":null,"has_narrative":true,"complaint_id":"12827266","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-04T11:14:08.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against Transunion for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my <em>credit</em> <em>report</em>. Transitions claims without providing any evidence of a thorough <em>investigation</em>.\n\nThis practice <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), 15 U.S.C. 1681i, <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.596458,"12827266"]},{"_index":"complaint-public-v1","_id":"11585707","_score":17.551914,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. \nDespite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.\n\nFurthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.","date_sent_to_company":"2025-01-20T19:20:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"11585707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-20T19:10:06.000Z","state":"PA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing a complaint against Equifax for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my <em>credit</em> <em>report</em>. \nDespite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), 15 U.S.C. 1681i, <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.551914,"11585707"]},{"_index":"complaint-public-v1","_id":"11838744","_score":17.520433,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate information on their credit report. However, in my case, the three major credit bureausExperian, XXXX, and XXXX to fulfill this obligation. Their investigation was neither comprehensive nor sufficient, as they did not properly verify the disputed information or consider the supporting evidence I provided. This negligence directly violates the FCRA, which mandates that all disputes be handled with due diligence to ensure the accuracy and fairness of consumer credit reports.","date_sent_to_company":"2025-01-29T13:35:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97233","tags":null,"has_narrative":true,"complaint_id":"11838744","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-29T13:35:45.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This negligence directly <em>violates</em> the <em>FCRA</em>, <em>which</em> <em>mandates</em> that all disputes be handled with due diligence to ensure the accuracy and <em>fairness</em> of consumer <em>credit</em> <em>reports</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.520433,"11838744"]},{"_index":"complaint-public-v1","_id":"11838745","_score":17.513456,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate information on their credit report. However, in my case, the three major credit bureausExperian, XXXX, and XXXX to fulfill this obligation. Their investigation was neither comprehensive nor sufficient, as they did not properly verify the disputed information or consider the supporting evidence I provided. This negligence directly violates the FCRA, which mandates that all disputes be handled with due diligence to ensure the accuracy and fairness of consumer credit reports.","date_sent_to_company":"2025-01-29T13:35:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97233","tags":null,"has_narrative":true,"complaint_id":"11838745","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-29T13:35:45.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This negligence directly <em>violates</em> the <em>FCRA</em>, <em>which</em> <em>mandates</em> that all disputes be handled with due diligence to ensure the accuracy and <em>fairness</em> of consumer <em>credit</em> <em>reports</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.513456,"11838745"]},{"_index":"complaint-public-v1","_id":"8650437","_score":17.509724,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Upon reviewing my credit report, I have discovered inaccuracies that warrant investigation and correction. However, it has come to my attention that your agency has failed to conduct an investigation into these inaccuracies, thus violating my rights under the FCRA. \n\nDespite my formal dispute regarding the accuracy of the information provided, your agency has not taken appropriate steps to investigate or correct these inaccuracies. This failure to conduct a thorough investigation is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputed information and correct any inaccuracies promptly.","date_sent_to_company":"2024-03-28T19:34:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"432XX","tags":null,"has_narrative":true,"complaint_id":"8650437","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-28T19:32:14.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to bring to your attention serious concerns regarding <em>violations</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) by your agency. Upon reviewing my <em>credit</em> <em>report</em>, I have discovered inaccuracies that warrant <em>investigation</em> and correction. However, it has come to my attention that your agency has failed to conduct an <em>investigation</em> into these inaccuracies, thus <em>violating</em> my rights under the <em>FCRA</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.509724,"8650437"]},{"_index":"complaint-public-v1","_id":"11653170","_score":17.503521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2024, I initiated a complaint with a credit reporting agency regarding discrepancies in my credit report which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to follow up, the agency has refused to conduct an active investigation into the matter. I contacted them multiple times via phone and email to request an investigation, but each time, I was either ignored or told that no investigation would be conducted. This refusal to investigate is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputes. I am seeking the CFPB 's assistance to compel this credit reporting agency to comply with FCRA laws and investigate this matter thoroughly. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.","date_sent_to_company":"2025-01-18T00:18:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"11653170","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-18T00:18:06.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XXXX XXXX, 2024, I initiated a complaint with a <em>credit</em> <em>reporting</em> agency regarding discrepancies in my <em>credit</em> <em>report</em> <em>which</em> I believe are in <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ). Despite my efforts to follow up, the agency has refused to conduct an active <em>investigation</em> into the matter. I contacted them multiple times via phone and email to request an <em>investigation</em>, but each time, I was either ignored or told that no <em>investigation</em> would be conducted."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.503521,"11653170"]},{"_index":"complaint-public-v1","_id":"11652460","_score":17.503521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/year>, I initiated a complaint with a credit reporting agency regarding discrepancies in my credit report which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to follow up, the agency has refused to conduct an active investigation into the matter. I contacted them multiple times via phone and email to request an investigation, but each time, I was either ignored or told that no investigation would be conducted. This refusal to investigate is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputes. I am seeking the CFPB 's assistance to compel this credit reporting agency to comply with FCRA laws and investigate this matter thoroughly. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.","date_sent_to_company":"2025-01-18T00:17:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"11652460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T00:07:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I initiated a complaint with a <em>credit</em> <em>reporting</em> agency regarding discrepancies in my <em>credit</em> <em>report</em> <em>which</em> I believe are in <em>violation</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ). Despite my efforts to follow up, the agency has refused to conduct an active <em>investigation</em> into the matter. I contacted them multiple times via phone and email to request an <em>investigation</em>, but each time, I was either ignored or told that no <em>investigation</em> would be conducted."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.503521,"11652460"]},{"_index":"complaint-public-v1","_id":"11839111","_score":17.496101,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate information on their credit report. However, in my case, the three major credit bureausXXXX, Equifax, and XXXXfailed to fulfill this obligation. Their investigation was neither comprehensive nor sufficient, as they did not properly verify the disputed information or consider the supporting evidence I provided. This negligence directly violates the FCRA, which mandates that all disputes be handled with due diligence to ensure the accuracy and fairness of consumer credit reports.","date_sent_to_company":"2025-01-29T13:35:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"97233","tags":null,"has_narrative":true,"complaint_id":"11839111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-29T13:29:39.000Z","state":"OR","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This negligence directly <em>violates</em> the <em>FCRA</em>, <em>which</em> <em>mandates</em> that all disputes be handled with due diligence to ensure the accuracy and <em>fairness</em> of consumer <em>credit</em> <em>reports</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.496101,"11839111"]},{"_index":"complaint-public-v1","_id":"8646008","_score":17.47637,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention serious concerns regarding violations of the Fair Credit Reporting Act ( FCRA ) by your agency. Upon reviewing my credit report, I have discovered inaccuracies that warrant investigation and correction. However, it has come to my attention that your agency has failed to conduct an investigation into these inaccuracies, thus violating my rights under the FCRA. \n\nDespite my formal dispute regarding the accuracy of the information provided, your agency has not taken appropriate steps to investigate or correct these inaccuracies. This failure to conduct a thorough investigation is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputed information and correct any inaccuracies promptly.","date_sent_to_company":"2024-03-28T19:31:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"432XX","tags":null,"has_narrative":true,"complaint_id":"8646008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-28T19:27:36.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to bring to your attention serious concerns regarding <em>violations</em> of the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ) by your agency. Upon reviewing my <em>credit</em> <em>report</em>, I have discovered inaccuracies that warrant <em>investigation</em> and correction. However, it has come to my attention that your agency has failed to conduct an <em>investigation</em> into these inaccuracies, thus <em>violating</em> my rights under the <em>FCRA</em>."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.47637,"8646008"]},{"_index":"complaint-public-v1","_id":"8377156","_score":17.469378,"_source":{"product":"Debt collection","complaint_what_happened":"Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates the investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-20T02:17:02.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"11219","tags":null,"has_narrative":true,"complaint_id":"8377156","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-20T02:12:59.000Z","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":["Your continued disregard for my requests <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act ( <em>FCRA</em> ), <em>which</em> <em>mandates</em> the <em>investigation</em> of disputed information. This constitutes a clear <em>violation</em>, subjecting your company to legal consequences. Despite multiple requests to <em>investigate</em> and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[17.469378,"8377156"]},{"_index":"complaint-public-v1","_id":"11653164","_score":17.465555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/scrub>, 2024, I initiated a complaint with a credit reporting agency regarding discrepancies in my credit report which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to follow up, the agency has refused to conduct an active investigation into the matter. I contacted them multiple times via phone and email to request an investigation, but each time, I was either ignored or told that no investigation would be conducted. This refusal to investigate is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputes. I am seeking the CFPB 's assistance to compel this credit reporting agency to comply with FCRA laws and investigate this matter thoroughly. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.","date_sent_to_company":"2025-01-18T00:18:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77545","tags":null,"has_narrative":true,"complaint_id":"11653164","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-18T00:18:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["This refusal to <em>investigate</em> is a clear <em>violation</em> of the <em>FCRA</em>, <em>which</em> <em>mandates</em> that consumer <em>reporting</em> agencies must <em>investigate</em> disputes. I am seeking the CFPB 's assistance to compel this <em>credit</em> <em>reporting</em> agency to comply with <em>FCRA</em> laws and <em>investigate</em> this matter thoroughly. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.465555,"11653164"]},{"_index":"complaint-public-v1","_id":"8649578","_score":17.44358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. \n\nFurthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.","date_sent_to_company":"2024-03-28T19:52:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"8649578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-28T19:50:07.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> <em>mandates</em> that <em>credit</em> bureaus must conduct a reasonable <em>investigation</em> into disputed items on a <em>credit</em> <em>report</em>. The lack of <em>investigation</em> not only <em>violates</em> my rights under the <em>FCRA</em> but also undermines the integrity of the <em>credit</em> <em>reporting</em> system."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.44358,"8649578"]},{"_index":"complaint-public-v1","_id":"8649537","_score":17.44358,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. \n\nFurthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.","date_sent_to_company":"2024-03-28T19:54:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"8649537","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-28T19:52:22.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> <em>mandates</em> that <em>credit</em> bureaus must conduct a reasonable <em>investigation</em> into disputed items on a <em>credit</em> <em>report</em>. The lack of <em>investigation</em> not only <em>violates</em> my rights under the <em>FCRA</em> but also undermines the integrity of the <em>credit</em> <em>reporting</em> system."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.44358,"8649537"]},{"_index":"complaint-public-v1","_id":"8645950","_score":17.42953,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. \n\nFurthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.","date_sent_to_company":"2024-03-28T19:49:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"8645950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-28T19:45:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> <em>mandates</em> that <em>credit</em> bureaus must conduct a reasonable <em>investigation</em> into disputed items on a <em>credit</em> <em>report</em>. The lack of <em>investigation</em> not only <em>violates</em> my rights under the <em>FCRA</em> but also undermines the integrity of the <em>credit</em> <em>reporting</em> system."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.42953,"8645950"]},{"_index":"complaint-public-v1","_id":"14225034","_score":17.421614,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b\"I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian's actions may also contravene the Consumer Financial Protection Act (CFPA), XXXX XXXX XXXX), as highlighted in the CFPB's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Experian's actions may also contravene the Consumer Financial Protection Act (CFPA), XXXX XXXX XXXX, as highlighted in the CFPB's recent administrative proceeding (File No. XXXX) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. -XXXX XXXX XXXX XXXX-BANKRUPTCY DISMMISED CH-XXXX XXXX -BANKRUPTCY DISMMISED CH-XXXX XXXX XXXX XXXX XXXX XXXX\"","date_sent_to_company":"2025-06-21T23:01:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38116","tags":null,"has_narrative":true,"complaint_id":"14225034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-21T22:53:24.000Z","state":"TN","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":["b\"I am filing a complaint against Experian for failing to properly <em>investigate</em> my disputes regarding inaccuracies in my <em>credit</em> <em>report</em>. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough <em>investigation</em>. This practice <em>violates</em> the <em>Fair</em> <em>Credit</em> <em>Reporting</em> Act (<em>FCRA</em>), XXXX XXXX XXXX, <em>which</em> <em>mandates</em> a reasonable <em>investigation</em> of disputes."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your <em>report</em>"]},"sort":[17.421614,"14225034"]},{"_index":"complaint-public-v1","_id":"8649396","_score":17.405361,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to dispute an account that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. After reviewing my credit report, I have found discrepancies that need to be addressed immediately. \n\nFurthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.","date_sent_to_company":"2024-03-28T19:57:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"8649396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-28T19:55:02.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The <em>FCRA</em> <em>mandates</em> that <em>credit</em> bureaus must conduct a reasonable <em>investigation</em> into disputed items on a <em>credit</em> <em>report</em>. The lack of <em>investigation</em> not only <em>violates</em> my rights under the <em>FCRA</em> but also undermines the integrity of the <em>credit</em> <em>reporting</em> system."],"product":["<em>Credit</em> <em>reporting</em> or other personal consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["<em>Credit</em> <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[17.405361,"8649396"]},{"_index":"complaint-public-v1","_id":"11756996","_score":17.394619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filling a complaint against Equifax for filling to properly investigate my dispute regarding the inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes.","date_sent_to_company":"2025-01-24T19:08:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48192","tags":null,"has_narrative":true,"complaint_id":"11756996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T19:08:39.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filling a complaint against Equifax for filling to properly <em>investigate</em> my dispute regarding the inaccuracies in my <em>credit</em> <em>report</em>. Despite my submissions, Equifax consistently responds with 24 hours stating any evidence of a thorough <em>investigation</em>. 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