{"took":72,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1596,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9015421","_score":17.732767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )","date_sent_to_company":"2024-05-16T05:33:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9015421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-16T05:33:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Director</em> of the Federal <em>Bureau</em> of <em>Investigation</em>, or the <em>Director</em> 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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":[17.732767,"9015421"]},{"_index":"complaint-public-v1","_id":"9015419","_score":17.732767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )","date_sent_to_company":"2024-05-16T05:33:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9015419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kovo","date_received":"2024-05-16T05:33:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Director</em> of the Federal <em>Bureau</em> of <em>Investigation</em>, or the <em>Director</em> 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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":[17.732767,"9015419"]},{"_index":"complaint-public-v1","_id":"9015779","_score":17.70459,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )","date_sent_to_company":"2024-05-16T05:33:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9015779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MEI AUTO FINANCE INC","date_received":"2024-05-16T05:03:26.000Z","state":"TX","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Director</em> of the Federal <em>Bureau</em> of <em>Investigation</em>, or the <em>Director</em> 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company believes the complaint provided an opportunity to answer <em>consumer</em>'s questions"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.70459,"9015779"]},{"_index":"complaint-public-v1","_id":"9015420","_score":17.65139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )","date_sent_to_company":"2024-05-16T05:33:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76123","tags":null,"has_narrative":true,"complaint_id":"9015420","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"McNeil & Meyers Asset Management Group, LLC","date_received":"2024-05-16T05:33:09.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Director</em> of the Federal <em>Bureau</em> of <em>Investigation</em>, or the <em>Director</em> 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B )"],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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":[17.65139,"9015420"]},{"_index":"complaint-public-v1","_id":"12026931","_score":17.471981,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX entity of financial institutions. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.","date_sent_to_company":"2025-02-11T16:33:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76140","tags":null,"has_narrative":true,"complaint_id":"12026931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MEI AUTO FINANCE INC","date_received":"2025-02-11T16:12:55.000Z","state":"TX","company_public_response":"Company believes the complaint provided an opportunity to answer consumer's questions","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Director</em> of the Federal <em>Bureau</em> of <em>Investigation</em>, or the <em>Director</em> 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company believes the complaint provided an opportunity to answer <em>consumer</em>'s questions"]},"sort":[17.471981,"12026931"]},{"_index":"complaint-public-v1","_id":"12030872","_score":17.442606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XX/XX/XXXXXXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.","date_sent_to_company":"2025-02-11T16:33:44.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76140","tags":null,"has_narrative":true,"complaint_id":"12030872","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T16:33:08.000Z","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":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> TEXAS <em>XXXX</em> # <em>XXXX</em> Cc : <em>Consumer</em> Financial Protection <em>Bureau</em> Cc : Attorney Generals Office Cc : XX/XX/XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.442606,"12030872"]},{"_index":"complaint-public-v1","_id":"11760082","_score":15.809542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX  Today, the Consumer Financial Protection Bureau ( CFPB ) sued Experian, the nationwide consumer reporting agency, for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.\n\nWhen consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, said CFPB Director XXXX XXXX. Credit reporting errors can have serious consequences for a familys finances, and it is critical that credit reporting giants follow the law.\n\nI have submitted over twelve complaints in which they came back as verified without knowledge of who verified and whom they spoke to that investigated.","date_sent_to_company":"2025-01-21T23:06:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89123","tags":"Older American","has_narrative":true,"complaint_id":"11760082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T23:06:20.000Z","state":"NV","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":["<em>XXXX</em> <em>XXXX</em>  Today, the <em>Consumer</em> Financial Protection <em>Bureau</em> ( CFPB ) sued Experian, the nationwide <em>consumer</em> reporting agency, for unlawfully failing to properly <em>investigate</em> <em>consumer</em> disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, <em>investigate</em>, and notify <em>consumers</em> about <em>consumer</em> disputes, resulting in the inclusion of incorrect information on credit reports."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.809542,"11760082"]},{"_index":"complaint-public-v1","_id":"6900055","_score":15.618711,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is to inform the CFPB, with the respect that the agency, deserve that I am fully aware of the procedures on how the CFPB, helps us as consumers, I am a consumer practicing my legal rights, notice to agent is notice to principal, notice to principle is notice to agent, my understandings are the following, how does CFPB enforce to help consumers when they enforce the law, we or a court XXXX order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any enforcement action or public enforcement actions. When warranted by the investigation, Enforcement may seek authority from the Director to take a public enforcement action. Alternatively, Enforcement may close the investigation without taking public action or refer the matter to the Office of Supervision Examinations to resolve the matter through our supervisory process. If the Director authorizes a public enforcement action, we may bring the action in state or federal court or institute an administrative adjudication proceeding. Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the Bureaus Director. The Director issues a final decision, either adopting or modifying the administrative law judges recommended decision. When we enforce the law, we or a court may order the defendant to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm by providing consumer redress. Obtaining consumer redress is a top priority in any Enforcement action. In addition, we also have obtained a wide range of injunctive relief designed to stop unlawful conduct and prevent future violations. In some instances, relief has included banning individuals and companies from future participation in the marketplace. And just to let the CFPB know with all the respect the agency deserves which I has no intention to promote any unlawful, false, or fraudulent purpose, to promote or conduct an illegitimate object or purpose, or is being requested or submitted in bad faith or for the purpose of harassing or defrauding a person, those companies that I have mentioned on the PDF file linked to this report has violated several times and disregard the noticed send by certified mail. on all companies mentioned on this attachment please address and enforce those violations since I have been disputing those accounts for the past month and for the past three years. And with respect I am aware of 12 section 411 which I have a dress to all the companies mention on the PDF file which they have disregarded. \nthank you.","date_sent_to_company":"2023-04-27T20:02:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93534","tags":null,"has_narrative":true,"complaint_id":"6900055","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-27T19:10:37.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This can include requiring the person or company to compensate its victims for this harm by providing <em>consumer</em> redress. Obtaining <em>consumer</em> redress is a top priority in any enforcement action or public enforcement actions. When warranted by the <em>investigation</em>, Enforcement may seek authority from the <em>Director</em> to take a public enforcement action."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[15.618711,"6900055"]},{"_index":"complaint-public-v1","_id":"7389862","_score":15.052368,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This company took money for services not rendered, there was never any work done by them at all. They promised on their website, conference call and numerous advertisement that they will dispute negative information after the fee was paid and nothing was done. I am seeking monetary damages, a complete refund of monies paid and a formal apology from the company. CFPB I urge you to fully investigate this matter. \n\nI am also in the process of contacting the office of XXXX XXXX Director of the Consumer Financial Protection Bureau For accuracy the company info is below Contact Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Visit Website ( XXXX ) XXXX","date_sent_to_company":"2023-08-12T13:41:06.000Z","issue":"Fraud or scam","sub_product":"Credit repair services","zip_code":"30046","tags":null,"has_narrative":true,"complaint_id":"7389862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"United Funding Logistics, LLC","date_received":"2023-08-12T13:32:12.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["CFPB I urge you to fully <em>investigate</em> this matter. \n\nI am also in the process of contacting the office of <em>XXXX</em> <em>XXXX</em> <em>Director</em> of the <em>Consumer</em> Financial Protection <em>Bureau</em> For accuracy the company info is below Contact Information XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, TX <em>XXXX</em> Visit Website ( <em>XXXX</em> ) <em>XXXX</em>"],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[15.052368,"7389862"]},{"_index":"complaint-public-v1","_id":"9733104","_score":14.851771,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have diligently submitted XXXX  investigation request letters to Equifax, however, to my disappointment, they have failed to respond or take any necessary action. This blatant disregard for the established guidelines of the Fair Credit Reporting Act is concerning and warrants attention. Enclosed are copies of the aforementioned letters, as well as the driver 's license and utility bill that have been consistently provided to Equifax. Not only have they disregarded my requests, but they have also lied to the government in a previous complaint submission, demonstrating a lack of respect for the authority of the Consumer Financial Protection Bureau ( CFPB ) and its consumers. It is disconcerting to see such negligence and disregard from a company entrusted with sensitive personal information. It is my sincere hope that this complaint will reach the Director of the CFPB and prompt a thorough investigation. I am prepared to pursue legal action if necessary.","date_sent_to_company":"2024-08-08T00:55:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"23669","tags":null,"has_narrative":true,"complaint_id":"9733104","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-08T00:42:04.000Z","state":"VA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Not only have they disregarded my requests, but they have also lied to the government in a previous complaint submission, demonstrating a lack of respect for the authority of the <em>Consumer</em> Financial Protection <em>Bureau</em> ( CFPB ) and its <em>consumers</em>. It is disconcerting to see such negligence and disregard from a company entrusted with sensitive personal information. It is my sincere hope that this complaint will reach the <em>Director</em> of the CFPB and prompt a thorough <em>investigation</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.851771,"9733104"]},{"_index":"complaint-public-v1","_id":"4571137","_score":14.491837,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX have requested several time for written proof from the courts. On XX/XX/2021, which is my finial notice. \n\nXXXX XXXX XXXX dispute any and all alleged debt in reference to CHAPTER XXXX. Notwithstanding the provisions of section 604 [ 1681b ] or any other provision of this title, a consumer reporting agency shall furnish identifying information respecting a consumer, limited to name, address, former addresses, places of employment, or former places of employment, to the Federal Bureau of Investigation when presented with a written request, signed by the Director or the Directors desig-nee, which certifies compliance with this subsection. This error is causing emotional distress, I do not want to run the risk of being denied, paying high Interest fees, denial of lines of credit. \n\nXXXX XXXX XXXX dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. PLEASE HAVE IN WRITIEN WHER THE COURTS GIVE YOU PRERISSION TO ADD THIS BANKRUCY TO MY CREDIT REPORT. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days.","date_sent_to_company":"2021-07-24T17:49:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38114","tags":null,"has_narrative":true,"complaint_id":"4571137","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-07-24T17:49:41.000Z","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":["Notwithstanding the provisions of section 604 [ 1681b ] or any other provision of this title, a <em>consumer</em> reporting agency shall furnish identifying information respecting a <em>consumer</em>, limited to name, address, former addresses, places of employment, or former places of employment, to the Federal <em>Bureau</em> of <em>Investigation</em> when presented with a written request, signed by the <em>Director</em> or the <em>Directors</em> desig-nee, which certifies compliance with this subsection."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[14.491837,"4571137"]},{"_index":"complaint-public-v1","_id":"5516203","_score":14.435554,"_source":{"product":"Mortgage","complaint_what_happened":"We are appealing to the American Justice for HELP Loan # XXXX ( Bank of America Loan from XXXX to XXXX ) The Modification of this Loan was delayed by the Servicer for over 5 years during the Financial Crisis. As described by Director XXXX : \" Like many other servicers, XXXX found that its volume of applications for loss mitigation rose sharply as a result of the foreclosure crisis. Our investigation found that XXXX was simply not equipped to handle the influx. For a time, it took the staff up to nine months to review a single application. In XXXX, XXXX had XXXX active loss mitigation applications but had only XXXX full-time employees and a third-party vendor in XXXX reviewing them. The Bureau found that in XXXX loss mitigation call center, the average wait time was 25 minutes and the average call abandonment rate was almost 50 percent. XXXX also had a heavy backlog of loss mitigation applications. '' WE ARE IN A SITUATION WHERE THE OWNER OF THE LOAN WILL WALK AWAY WITH HEFTY PROFITS BENEFITING FROM THE XXXX FINANTIAL CRISIS. \nWE, THE HOME OWNERS ( THE CONSUMERS ) WILL LOSE EVERYTHING WHEN THIS PROPERTY IS SOLD IN THE VERY NEAR FUTURE. \nIT IS NOT FEIR. WE SHOULD BE COMPENSATED BY BANK OF AMERICA FOR WITHHOLDING THIS LOAN AND NOT MODIFYING IT, JUST AS DISCRIBED BY DIRECTOR XXXX XXXX. Please help. \nEXCERPT FROM THE XXXX ENFORCEMENT BY DIRECTOR XXXX XXXX : Today the Consumer Financial Protection Bureau is taking its first enforcement action under the Bureaus new mortgage servicing rules. We are entering an order against Michigan-based XXXX Bank for violating those rules by failing borrowers and illegally blocking them from trying to save their homes. XXXX took excessive time to process borrowers applications, did not tell them when their applications were incomplete, denied loan modifications to qualified borrowers, and illegally delayed finalizing permanent loan modifications. These unlawful practices caused many consumers to lose the homes they had been trying to save. That is wrong and it is unacceptable. \n\nMortgage servicers play a central role in homeowners lives because they bear responsibility for managing the loans. They are the link between a mortgage borrower and a mortgage owner. They collect and apply payments, work out modifications to the loan terms, and handle the difficult process of foreclosure. Importantly, consumers can not take their business elsewhere. Instead, they are stuck with their mortgage servicer, whether they are treated well or poorly. \n\nIn XX/XX/XXXX, the Consumer Bureaus new mortgage servicing rules took effect. These new regulations establish specific rules of the road for handling loss mitigation applications. Since we first announced these rules almost two years ago, we have made clear that we expect full compliance to clean up the problems that had been pervasive in this industry and caused so many people to lose their homes. Consumers must not be hurt by illegal servicing any more. When mortgage servicers fail to treat people fairly, we will vigorously enforce the law. \n\nLike many other servicers, XXXX found that its volume of applications for loss mitigation rose sharply as a result of the foreclosure crisis. Our investigation found that XXXX was simply not equipped to handle the influx. For a time, it took the staff up to nine months to review a single application. In XXXX, XXXX had XXXX active loss mitigation applications but had only XXXX full-time employees and a third-party vendor in XXXX reviewing them. The Bureau found that in XXXX loss mitigation call center, the average wait time was 25 minutes and the average call abandonment rate was almost 50 percent. XXXX also had a heavy backlog of loss mitigation applications.","date_sent_to_company":"2022-04-29T12:42:32.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"07110","tags":"Older American","has_narrative":true,"complaint_id":"5516203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-04-29T12:04:09.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["WE, THE HOME OWNERS ( THE <em>CONSUMERS</em> ) WILL LOSE EVERYTHING WHEN THIS PROPERTY IS SOLD IN THE VERY NEAR FUTURE. \nIT IS NOT FEIR. WE SHOULD BE COMPENSATED BY BANK OF AMERICA FOR WITHHOLDING THIS LOAN AND NOT MODIFYING IT, JUST AS DISCRIBED BY <em>DIRECTOR</em> <em>XXXX</em> <em>XXXX</em>. Please help. \nEXCERPT FROM THE <em>XXXX</em> ENFORCEMENT BY <em>DIRECTOR</em> <em>XXXX</em> <em>XXXX</em> : Today the <em>Consumer</em> Financial Protection <em>Bureau</em> is taking its first enforcement action under the <em>Bureaus</em> new mortgage servicing rules."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.435554,"5516203"]},{"_index":"complaint-public-v1","_id":"8300781","_score":14.072819,"_source":{"product":"Mortgage","complaint_what_happened":"How do I get my payment? \nPlease order Wells Fargo to give me my payment. \nNo, the CFPB action against Wells Fargo was not a class action lawsuit. CFPB XXXX My mortgage was in Foreclosure for 14 Years Wells Fargo XXXX offered me a modification CFPB Director Rohit Chopra noted in a statement that the Bureaus XX/XX/XXXX order and the massive fine against Wells Fargo, who reportedly has {$1.00} XXXX in assets, is only the first step in fixing the banks fundamental problems. \nWells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, said CFPB Director XXXX XXXX Improperly denied me mortgage modifications : The bank incorrectly applied borrowers payments, improperly charged fees and interest, The CFPB determined that Wells Fargo had engaged in unfair and deceptive practices with respect to its auto loan servicing business The CFPB order requires Wells Fargo to : The CFPBs investigation found that Wells Fargo violated the Acts prohibition on unfair and deceptive acts and practices. \nProvide more than {$2.00} billion in redress to consumers : Wells Fargo will be required to pay redress totaling more than {$2.00} billion to harmed customers. These payments represent refunds of wrongful fees and other charges and compensation for a variety of harms such as frozen bank accounts, illegally repossessed vehicles, and wrongfully foreclosed homes. Specifically, Wells Fargo will have to pay :","date_sent_to_company":"2024-02-07T22:12:17.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"46375","tags":"Older American","has_narrative":true,"complaint_id":"8300781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-07T22:07:47.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["CFPB <em>XXXX</em> My mortgage was in Foreclosure for 14 Years Wells Fargo <em>XXXX</em> offered me a modification CFPB <em>Director</em> Rohit Chopra noted in a statement that the <em>Bureaus</em> XX/XX/<em>XXXX</em> order and the massive fine against Wells Fargo, who reportedly has {$1.00} <em>XXXX</em> in assets, is only the first step in fixing the banks fundamental problems."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.072819,"8300781"]},{"_index":"complaint-public-v1","_id":"16474235","_score":13.792796,"_source":{"product":"Debt collection","complaint_what_happened":"Obligation of the Consumer Financial Protection Bureau to Enforce and Consequences of Failure Pursuant to the Consumer Financial Protection Act of 2010, the Consumer Financial Protection Bureau ( CFPB ) is vested with the statutory duty to enforce federal consumer financial laws, including protections under the Fair Debt Collection Practices Act and the Religious Freedom Restoration Act as they apply to debt servicing and collection. This obligation includes promptly investigating and initiating enforcement actions against entities, such as Trellis and XXXX, that engage in unlawful, deceptive, or abusive practices. Failure by the CFPB to fulfill this dutyespecially after formal notice and repeated complaintsconstitutes a dereliction of its statutory responsibilities and undermines the agencys mandate to protect consumers. Such inaction may be interpreted as tacit approval or aiding and abetting of ongoing violations and exposes the CFPB to legal challenges for failing to act in accordance with its enabling statutes and the Administrative Procedure Act. -- -- -- -- -- -- -- -- -- -- -- -- FACTUAL NOTICE & DEMAND FOR PAYMENT Office of Agent via CFPB Portal. \n\nDate : XX/XX/XXXX To : Board of Directors, Trellis Company To : XXXX XXXX, successor Board Chair, Successor Trellis Company To : XXXX XXXX, successor Board Vice Chair, Successor Trellis Company To : XXXX XXXX, XXXX., successor Immediate Past Chair, Successor Trellis Company To : XXXX XXXX, successor Board Member, Successor Trellis Company To : XXXX XXXX, successor Board Member, Successor Trellis Company To : XXXX XXXX XXXX, successor Board Member, Successor Trellis Company To : Welcome XXXX, XXXX, successor Board Member, Successor Trellis Company XXXX XXXX XXXX XXXX, Texas XXXX And : Board of Directors, XXXX  XXXX XXXX XXXX XXXX ( XXXX ) To : XXXX XXXX, XXXX successor, Executive Director / CEO, Successor of XXXX To : XXXX XXXX, successor ( public representative ) Chairman To : XXXX XXXX, successor Vice Chair To : XXXX XXXX, successor Treasurer To : XXXX XXXX, successor Secretary in individual and official capacities XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : Final Notice Demand for Payment and Cease and Desist Due to Violations of Federal Law, Including the Do Not Call Registry ( 47 U.S.C. 227 ) To the Board of Directors of Trellis and XXXX, in your individual and corporate capacities : This letter serves as final written notice of your organizations unlawful behavior and demand for immediate payment and compliance. The subject individual an elderly XXXX veteran is registered on the Federal Do Not Call List and previously issued a clear Cease and Desist through Consumer Financial Protection Bureau.\n\nDespite this, your entities made four unauthorized calls on : XX/XX/XXXX XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX These constitute three separate and willful violations of the Telephone Consumer Protection Act ( TCPA ) and applicable consumer protection laws.\n\nDemand for Immediate Payment Per federal statutory guidelines, each violation carries a minimum statutory damage of {$1000.00}. The total due immediately is : {$1000.00} x 4 calls = {$4000.00} Payment must be received within 10 calendar days of this notice ( by XX/XX/XXXX ) to avoid further liability exposure.\n\nNotice of Further Liability for Non-Compliance Failure to remit payment and cease all unlawful contact within the time stated above will serve as formal acknowledgment and consent to the following : Treble damages ( 3x statutory amount ) for continued or willful violations under 47 U.S.C. 227 ( b ) ( 3 ).\n\nPotential civil conspiracy liability under the Pinkerton Doctrine, should coordination among directors or entities be substantiated.\n\nRICO exposure under 18 U.S.C. 19611968 where patterns of harassment, fraud, or coordinated conduct may be demonstrated.\n\nThese references are included for notice purposes only. No specific legal conclusions or allegations of criminal wrongdoing are made at this time.\n\nLegal Framework If Trellis and XXXX, after receiving a cease and desist order, conspired to continue their actions, they may be liable under : 42 U.S.C. 1985 ( 3 ) : Conspiracy to deprive rights.\n\nTelephone Consumer Protection Act ( TCPA ) : Prohibits certain types of unsolicited marketing calls.\n\nFair Debt Collection Practices Act ( FDCPA ) : Restricts the actions of third-party debt collectors.\n\nEach violation could potentially result in separate claims and damages.\n\nBoard members have fiduciary duties, including the duty of care and duty of loyalty. These duties require directors to act in good faith, with the care an ordinarily prudent person would exercise, and in a manner they reasonably believe to be in the best interests of the corporation. When board members are made aware of potential misconduct and fail to investigate or take corrective action, their silence can be interpreted as complicity. This failure to act may breach their fiduciary duties and expose them to legal liability.\n\nImplications of Inaction If the boards of Trellis and XXXX were notified of the alleged violations and did not take appropriate action, this could : Signal tacit approval of the misconduct.\n\nUndermine organizational integrity by failing to uphold ethical standards.\n\nExpose the boards to legal liability for negligence or breach of fiduciary duties.\n\nIn such cases, courts may assess whether directors acted with informed judgment or exhibited reckless indifference to known risks. The business judgment rule, which typically protects directors from liability for decisions made in good faith, does not shield directors who consciously fail to monitor known risks.\n\nLegal Assertion of violation of RFRA : We assert that Trellis and XXXX have violated our rights under the Religious Freedom Restoration Act ( RFRA ), 42 U.S.C. 2000bb-1. Despite prior notification, they have failed to cease actions that substantially burden our sincere religious exercise. Their negligence in this matter constitutes tacit approval of misconduct and a violation of our federally protected rights.\n\nLegal Basis : Under RFRA, the government shall not substantially burden a person 's exercise of religion unless it demonstrates that the burden is in furtherance of a compelling governmental interest and is the least restrictive means of furthering that interest.\n\nPenalties for Violation : While RFRA primarily provides for judicial relief through claims or defenses in legal proceedings, it does not specify criminal or civil penalties for violations. Enforcement typically involves injunctive relief or damages in civil suits. However, if the violation involves other statutes with specified penalties, such as the Telephone Consumer Protection Act ( TCPA ), additional penalties may apply.\n\nCivil Actions : Individuals whose religious exercise has been burdened in violation of RFRA may assert that violation as a claim or defense in a judicial proceeding and obtain appropriate relief against a government entity.\n\nConclusion : We demand immediate cessation of all actions that infringe upon our religious rights. Failure to comply within 10 days will result in legal action seeking appropriate relief, including potential claims under RFRA and related statutes.\n\nBoard Member Liability & Piercing the Veil As Trellis is the parent company of XXXX, and both have received prior warnings, individual Board Members are now on record. Continued willful misconduct, particularly after this formal notice, may support a claim to pierce the corporate veil and pursue individual accountability for damages arising from your actions or inactions.\n\nFinal Demands You are hereby instructed to : 1. Remit payment of {$4000.00} within 10 calendar days of this letter.\n\n2. Cease and desist all future contact, direct or indirect.\n\n3. Remove the affected partys information from all internal and affiliate databases.\n\n4. Provide written confirmation of compliance by the deadline.\n\nFailure to respond or comply will constitute further evidence of bad faith, and appropriate escalation will be pursued without further notice.\n\nSincerely, OFFICE OF AGENT","date_sent_to_company":"2025-10-09T17:48:57.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"402XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16474235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Texas Guaranteed","date_received":"2025-10-09T16:51:51.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Obligation of the <em>Consumer</em> Financial Protection <em>Bureau</em> to Enforce and Consequences of Failure Pursuant to the <em>Consumer</em> Financial Protection Act of 2010, the <em>Consumer</em> Financial Protection <em>Bureau</em> ( CFPB ) is vested with the statutory duty to enforce federal <em>consumer</em> financial laws, including protections under the Fair Debt Collection Practices Act and the Religious Freedom Restoration Act as they apply to debt servicing and collection."]},"sort":[13.792796,"16474235"]},{"_index":"complaint-public-v1","_id":"4694871","_score":13.525333,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/2021 I initiated a dispute with TransUnion credit bureau regarding incorrect balance information being reported on my credit report. The balance information they are reporting is from the month of XXXX and it is inaccurate and affecting my credit score in a negative way. I contacted the credit union, XXXX XXXX in XXXX and advised them to contact TransUnion directly and make them fix this error before XXXX. I was told by the Director of Consumer Lending at XXXX XXXX  that their credit reporting updates occur every month on the XXXX. TransUnion refuses to update my credit card balance and when I issued a dispute with them directly, I was sent a deceitful letter dated XX/XX/2021 explaining that no update is necessary!! My new credit card statement date is XX/XX/2021 and it clearly shows that my balance is {$40.00}. These facts make it clear that TransUnion is not working on behalf of the American Consumer and this bureau needs to be shut down!! Their investigations unit NEVER DISPUTES CONSUMER COMPLAINTS PROPERLY OR ACCURATELY. TransUnion remains in violation of FTC regulations. TransUnion refuses to update my new credit balance and increase my credit score which will be the next course of action to take place in XX/XX/2021.","date_sent_to_company":"2021-09-05T11:26:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89142","tags":"Servicemember","has_narrative":true,"complaint_id":"4694871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-09-05T11:01:23.000Z","state":"NV","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":["These facts make it clear that TransUnion is not working on behalf of the American <em>Consumer</em> and this <em>bureau</em> needs to be shut down!! Their <em>investigations</em> unit NEVER DISPUTES <em>CONSUMER</em> COMPLAINTS PROPERLY OR ACCURATELY. TransUnion remains in violation of FTC regulations. TransUnion refuses to update my new credit balance and increase my credit score which will be the next course of action to take place in <em>XX/XX</em>/2021."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.525333,"4694871"]},{"_index":"complaint-public-v1","_id":"12495009","_score":13.451379,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report, as provided by your agency. It has come to my attention that several entries listed are erroneous and must be investigated and rectified immediately in compliance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. \n\nThe specific issues requiring immediate investigation are : XXXX. Charge-off Accounts : - XXXX  XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX. Incorrect Inquiries : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX In light of the recent lawsuit against Experian by the Consumer Financial Protection Bureau ( CFPB ), which highlighted failures to properly investigate consumer disputes, I urge you to conduct a thorough and honest investigation into these matters. \n\nAccording to CFPB Director XXXX XXXX, Experian 's prior handling of consumer disputes lacked the depth and commitment required under federal law. This malpractice has significant financial implications for consumers like myself. \n\nI have attached relevant documentation supporting my claim. I expect a prompt resolution, including the correction and update of my credit report. \n\nUnder the FCRA, I am entitled to a prompt investigation and correction of any inaccurate information, and I expect written notification of the results within 30 days. \n\nThank you for your urgent attention to this matter. I look forward to your swift response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-14T06:20:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91316","tags":null,"has_narrative":true,"complaint_id":"12495009","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-14T06:05:15.000Z","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":["Incorrect Inquiries : - XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em> In light of the recent lawsuit against Experian by the <em>Consumer</em> Financial Protection <em>Bureau</em> ( CFPB ), which highlighted failures to properly <em>investigate</em> <em>consumer</em> disputes, I urge you to conduct a thorough and honest <em>investigation</em> into these matters. \n\nAccording to CFPB <em>Director</em> <em>XXXX</em> <em>XXXX</em>, Experian 's prior handling of <em>consumer</em> disputes lacked the depth and commitment required under federal law."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[13.451379,"12495009"]},{"_index":"complaint-public-v1","_id":"3356072","_score":13.449081,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2019 XXXX XXXX XXXX and XXXX pulled my Equifax Bureau credit report without my authorization and in error. \n\nI disputed ( # XXXX & XXXX ) this Hard inquiry with Equifax and Equifax investigation result is as below - \" >>> The information you disputed has been received. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX DBA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX TX XXXX '' I contacted Equifax on XX/XX/2019 to better understand their investigation process and meaning of their results. Equifax asked me - \" request XXXX to send Notification electronically or contact Equifax Business Consumer phone number XXXX if XXXX doesn't have a way to send notification electronically '' On XX/XX/2019 XXXX XXXX, Director of Finance at XXXX and On XX/XX/2019 XXXX XXXX of XXXX contacted Equifax Business Consumer Help Line to request equifax to remove hard inquiry from my file which was done in error. Equifax Representative informed XXXX XXXX XXXX that they will not remove this inquiry and asked them to let the Consumer ( me ) dispute the inquiry ( which i already did ). XXXX provided me a letter to confirm these details which i attached with this complaint. \n\nOn XX/XX/2019, I contacted Equifax to inquire about this contradiction. Equifax representative confirmed me that they will not contact the inquirers ( XXXX ) about the dispute i made and they will not confirm the validity of the inquiry. I informed equifax that I never authorized this credit inquiry and offered to show them the written proof from XXXX XXXX Director of Finance about \" the error they committed and how equifax would not correct my credit file accordingly ''. Equifax representative confirmed that they will not investigate inquiries ( like contacting inquirer about validity ) except they check only their database. \n\nAs Equifax not willing to remove my inquiry despite providing ample proof, I am approaching CFPB for help. \n\nEXPECTED RESOLUTION : Equifax should remove hard inquiry made by XXXX on XX/XX/2019 from my credit file. \n\nAttachements : 1. Dispute letter from equifax XXXX 2. Dispute letter from equifax XXXX 3. Letter from XXXX to confirm that inquiry is infact an error.","date_sent_to_company":"2019-08-27T04:54:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75024","tags":null,"has_narrative":true,"complaint_id":"3356072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-08-27T04:18:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax asked me - \" request <em>XXXX</em> to send Notification electronically or contact Equifax Business <em>Consumer</em> phone number <em>XXXX</em> if <em>XXXX</em> doesn't have a way to send notification electronically '' On <em>XX/XX</em>/2019 <em>XXXX</em> <em>XXXX</em>, <em>Director</em> of Finance at <em>XXXX</em> and On <em>XX/XX</em>/2019 <em>XXXX</em> <em>XXXX</em> of <em>XXXX</em> contacted Equifax Business <em>Consumer</em> Help Line to request equifax to remove hard inquiry from my file which was done in error."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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":[13.449081,"3356072"]},{"_index":"complaint-public-v1","_id":"3700829","_score":13.384257,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am the XXXX of a XXXX XXXX XXXX XXXX  in XXXX, GA. I currently have around XXXX vehicles financed through various banks. All of these vehicles are on auto draft with these institutions and always have been. Recently, one of the vehicles was at final payment and for some reason TD did not auto draft the account for payment. 60 days later we received a letter in the mail saying payment on that vehicle was delinquent. My finance director contacted them and immediately paid off the balance. We reached out to their customer support and they confirmed that we did nothing wrong and that maybe because of Covid-19 something happened in their system. The customer service rep was obviously working from home at that time. He recommended we file a dispute through the credit bureaus and directly to TD. The TD dispute claim just came back and they are stating they are denying the claim - XXXX as of XX/XX/XXXX. I contacted TD today XX/XX/XXXX and talked to a customer service rep. They said that we were notified when we bought the vehicle back in XXXX that the final payment would need to be a check. This is absolute nonsense and should not be a part of any process. I don't even have the same finance director now that I did back in XXXX. \n\nThis process is absolutely Predatory. I have not missed a payment for anything in over 15 years. I take the value of my credit to be sacred and one of the most important things in life. This one mistake on the part of TD Auto dropped my rating precipitously. The fact that a lower credit score rating directly benefits companies like TD Auto Finance should be investigated by the CFPB as a fraudulent practice meant to harm consumers and XXXX XXXX  like me.","date_sent_to_company":"2020-06-22T16:19:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30097","tags":null,"has_narrative":true,"complaint_id":"3700829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2020-06-16T14:08:25.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The fact that a lower credit score rating directly benefits companies like TD Auto Finance should be <em>investigated</em> by the CFPB as a fraudulent practice meant to harm <em>consumers</em> and <em>XXXX</em> <em>XXXX</em>  like me."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"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":[13.384257,"3700829"]},{"_index":"complaint-public-v1","_id":"4909670","_score":13.183306,"_source":{"product":"Mortgage","complaint_what_happened":"I contracted American Advisors Group to Refinance my home in XXXX, and I paid {$220.00} for my half of the appraisal cost on XX/XX/2021. \n\nMy contact is. XXXX XXXX, PRESIDENTS CLUB MEMBER, Reverse mortgage professional AAG | American Advisors Group XXXX ID : XXXX Phone : XXXX ext. XXXX Fax : XXXX Email : XXXX XXXX XXXX is Director of Marketing operations for AAG. Three days ago, I submitted a complaint to the California Department XXXX Consumer Affairs Bureau of Real Estate Appraisers I have not been contacted by an appraiser and XXXX XXXX has assured me that it has been assigned to an appraisal agency. I am in the conventional mortgage and real estate business, but other HECM lenders have told me that this is highly unusal length of time to wait. This is causing me a financial hardship, and I can not be told to wait again. Can you please investigate or assist in any way?","date_sent_to_company":"2021-12-02T23:33:41.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Reverse mortgage","zip_code":"94608","tags":"Older American","has_narrative":true,"complaint_id":"4909670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN ADVISORS GROUP","date_received":"2021-11-15T01:54:26.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Can you please <em>investigate</em> or assist in any way?"]},"sort":[13.183306,"4909670"]},{"_index":"complaint-public-v1","_id":"16474213","_score":13.028066,"_source":{"product":"Debt collection","complaint_what_happened":"Obligation of the Consumer Financial Protection Bureau to Enforce and Consequences of Failure Pursuant to the Consumer Financial Protection Act of XXXX, the Consumer Financial Protection Bureau ( CFPB ) is vested with the statutory duty to enforce federal consumer financial laws, including protections under the Fair Debt Collection Practices Act and the Religious Freedom Restoration Act as they apply to debt servicing and collection. This obligation includes promptly investigating and initiating enforcement actions against entities, such as XXXX and MOHELA, that engage in unlawful, deceptive, or abusive practices. Failure by the CFPB to fulfill this dutyespecially after formal notice and repeated complaintsconstitutes a dereliction of its statutory responsibilities and undermines the agencys mandate to protect consumers. Such inaction may be interpreted as tacit approval or aiding and abetting of ongoing violations and exposes the CFPB to legal challenges for failing to act in accordance with its enabling statutes and the Administrative ProceduXXXX XXXX. \n\nDespite our Cease and Desist to MOHELA and being on a FEDERAL DO NOT CALL LIST, MOHELA continues harrassment of elderly XXXX and violates Religious Freedom Restoration Act, and calls before XXXX am. Also calls repeatedly when informed to Cease and Desist.\n\nFACTUAL NOTICE & DEMAND FOR PAYMENT Office of Agent via CFPB Portal. \nDate : XX/XX/XXXX To : Board of Directors, XXXX Company To : XXXX XXXX, successor Board Chair, Successor XXXX Company To : XXXX XXXX, successor Board Vice Chair, Successor XXXX  Company To : XXXX XXXXXXXX XXXX successor Immediate Past Chair, Successor XXXX  Company To : XXXX XXXX, successor Board Member, Successor XXXX Company To : XXXX XXXX, successor Board Member, Successor XXXX Company To : XXXX XXXX XXXX, successor Board Member, Successor XXXX  Company To : Welcome XXXX, XXXX, successor Board Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX And : Board of Directors, Missouri XXXX XXXX XXXX XXXX ( MOHELA ) To : XXXX XXXX, XXXX successor, XXXX XXXX / CEO, Successor of MOHELA To : XXXX XXXX, successor ( public representative ) Chairman To : XXXX XXXX, successor Vice Chair To : XXXX XXXX, successor Treasurer To : XXXX XXXX, successor Secretary in individual and official capacities MOHELA XXXX XXXX XXXX XXXX, MO XXXX XXXX : Final Notice Demand for Payment and Cease and Desist Due to Violations of Federal Law, Including the Do Not Call Registry ( 47 U.S.C. 227 ) To the Board of Directors of XXXX and MOHELA, in your individual and corporate capacities : This letter serves as final written notice of your organizations unlawful behavior and demand for immediate payment and compliance. The subject individual an elderly XXXX veteran is registered on the XXXX Do Not Call List and previously issued a clear Cease and Desist through Consumer Financial Protection Bureau. \nDespite this, your entities made three unauthorized calls on : XX/XX/XXXX XX/XX/XXXX at XXXX AM XX/XX/XXXX at XXXX PM XX/XX/XXXX at XXXX AM These constitute XXXX separate and willful violations of the Telephone Consumer Protection Act ( TCPA ) and applicable consumer protection laws. \nDemand for Immediate Payment Per federal statutory guidelines, each violation carries a minimum statutory damage of {$1000.00}. \nThe total due immediately is : {$1000.00} x XXXX calls = {$3000.00} XXXX must be received within XXXX calendar days of this notice ( by XX/XX/XXXX ) to avoid further liability exposure. \nNotice of Further Liability for Non-Compliance Failure to remit payment and cease all unlawful contact within the time stated above will serve as formal acknowledgment and consent to the following : Treble damages ( XXXX statutory amount ) for continued or willful violations under 47 U.S.C. 227 ( b ) ( 3 ).\n\nPotential civil conspiracy liability under the Pinkerton Doctrine, should coordination among directors or entities be substantiated.\n\nRICO exposure under 18 U.S.C. 19611968 where patterns of harassment, fraud, or coordinated conduct may be demonstrated.\n\nThese references are included for notice purposes only. No specific legal conclusions or allegations of criminal wrongdoing are made at this time.\n\nLegal Framework If XXXX and MOHELA, after receiving a cease and desist order, conspired to continue their actions, they may be liable under : 42 U.S.C. 1985 ( 3 ) : Conspiracy to deprive rights.\n\nTelephone Consumer Protection Act ( TCPA ) : Prohibits certain types of unsolicited marketing calls.\n\nFair Debt Collection Practices Act ( FDCPA ) : Restricts the actions of third-party debt collectors.\n\nEach violation could potentially result in separate claims and damages.\n\nBoard members have fiduciary duties, including the duty of care and duty of loyalty.\n\nThese duties require directors to act in good faith, with the care an ordinarily prudent person would exercise, and in a manner they reasonably believe to be in the best interests of the corporation.\n\nWhen board members are made aware of potential misconduct and fail to investigate or take corrective action, their silence can be interpreted as complicity. This failure to act may breach their fiduciary duties and expose them to legal liability. \nImplications of Inaction If the boards of XXXX and MOHELA were notified of the alleged violations and did not take appropriate action, this could : Signal tacit approval of the misconduct. \nUndermine organizational integrity by failing to uphold ethical standards. \nExpose the boards to legal liability for negligence or breach of fiduciary duties. \nIn such cases, courts XXXX assess whether directors acted with informed judgment or exhibited reckless indifference to known risks. The business judgment rule, which typically protects directors from liability for decisions made in good faith, does not shield directors who consciously fail to monitor known risks. \nLegal Assertion of violation of RFRA : We assert that XXXX and MOHELA have violated our rights under the Religious Freedom Restoration Act ( RFRA ), 42 U.S.C. 2000bb-1. Despite prior notification, they have failed to cease actions that substantially burden our sincere religious exercise. Their negligence in this matter constitutes tacit approval of misconduct and a violation of our federally protected rights.\n\nLegal Basis : Under RFRA, the government shall not substantially burden a person 's exercise of religion unless it demonstrates that the burden is in furtherance of a compelling governmental interest and is the least restrictive means of furthering that interest. \nPenalties for Violation : While RFRA primarily provides for judicial relief through claims or defenses in legal proceedings, it does not specify criminal or civil penalties for violations. Enforcement typically involves injunctive relief or damages in civil suits. However, if the violation involves other statutes with specified penalties, such as the Telephone Consumer Protection Act ( TCPA ), additional penalties may apply.\n\nCivil Actions : Individuals whose religious exercise has been burdened in violation of RFRA may assert that violation as a claim or defense in a judicial proceeding and obtain appropriate relief against a government entity.\n\nConclusion : We demand immediate cessation of all actions that infringe upon our religious rights. Failure to comply within 10 days will result in legal action seeking appropriate relief, including potential claims under RFRA and related statutes. \nXXXX XXXX XXXX XXXX XXXX the Veil As Trellis is the parent company of MOHELA, and both have received prior warnings, XXXX XXXX Members are now on record. Continued willful misconduct, particularly after this formal notice, XXXX support a claim to pierce the corporate veil and pursue individual accountability for damages arising from your actions or inactions. \nXXXX Demands You are hereby instructed to : XXXX. Remit payment of {$4000.00} within XXXX calendar days of this letter. \nXXXX. Cease and desist all future contact, direct or indirect. \nXXXX. Remove the affected partys information from all internal and affiliate databases. \nXXXX. Provide written confirmation of compliance by the deadline. \nFailure to respond or comply will constitute further evidence of bad faith, and appropriate escalation will be pursued without further notice. \nSincerely, OFFICE OF AGENT","date_sent_to_company":"2025-10-09T16:50:44.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"402XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16474213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-10-09T16:23:40.000Z","state":"KY","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Obligation of the <em>Consumer</em> Financial Protection <em>Bureau</em> to Enforce and Consequences of Failure Pursuant to the <em>Consumer</em> Financial Protection Act of <em>XXXX</em>, the <em>Consumer</em> Financial Protection <em>Bureau</em> ( CFPB ) is vested with the statutory duty to enforce federal <em>consumer</em> financial laws, including protections under the Fair Debt Collection Practices Act and the Religious Freedom Restoration Act as they apply to debt servicing and collection."]},"sort":[13.028066,"16474213"]},{"_index":"complaint-public-v1","_id":"8210144","_score":12.931744,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. \n\nIn a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the XXXX major credit bureaus : XXXX reports a XXXX late payment in XX/XX/XXXX, XXXX reports XXXX XXXX late payment in XX/XX/XXXX, and Equifax reports a XXXX XXXX payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. \n\nDespite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. \n\nEnclosed are my payment records, the response from XXXX, and credit reports from XXXX, XXXX, and Equifax, evidencing the discrepancies and my attempts at rectification. \n\nI respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. \n\nThank you for your attention to this matter. I look forward to your prompt response and a resolution to this ongoing issue.","date_sent_to_company":"2024-01-23T21:28:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"8210144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-01-23T21:28:51.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Payment Reporting Dear <em>Consumer</em> Financial Protection <em>Bureau</em>, I am writing to file a formal complaint against <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. \n\nIn a response to my dispute, <em>XXXX</em> <em>XXXX</em>, <em>Director</em> of Compliance at <em>XXXX</em>, asserted that my loan was reported 30 days late in XX/XX/<em>XXXX</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"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":[12.931744,"8210144"]},{"_index":"complaint-public-v1","_id":"8210282","_score":12.891605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. \n\nIn a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the XXXX major credit bureaus : Experian reports a XXXX late payment in XX/XX/XXXX, XXXX reports XXXX XXXX late payment in XX/XX/XXXX, and XXXX reports a XXXX late payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. \n\nDespite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. \n\nEnclosed are my payment records, the response from XXXX, and credit reports from Experian, XXXX, and XXXX, evidencing the discrepancies and my attempts at rectification. \n\nI respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. \n\nThank you for your attention to this matter. I look forward to your prompt response and a resolution to this ongoing issue.","date_sent_to_company":"2024-01-23T21:28:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"8210282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-23T21:28:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Payment Reporting Dear <em>Consumer</em> Financial Protection <em>Bureau</em>, I am writing to file a formal complaint against <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. \n\nIn a response to my dispute, <em>XXXX</em> <em>XXXX</em>, <em>Director</em> of Compliance at <em>XXXX</em>, asserted that my loan was reported 30 days late in XX/XX/<em>XXXX</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.891605,"8210282"]},{"_index":"complaint-public-v1","_id":"8210048","_score":12.464848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Payment Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX ( XXXX ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. \n\nIn a response to my dispute, XXXX XXXX, Director of Compliance at XXXX, asserted that my loan was reported 30 days late in XX/XX/XXXX. However, this reporting is inconsistent across the three major credit bureaus : XXXX reports a 30-day late payment in XX/XX/XXXX, TransUnion reports a 30-day late payment in XX/XX/XXXX, and XXXX reports a 60-day late payment in XX/XX/XXXX. This discrepancy between XXXX 's statement and the credit bureau reports raises serious concerns about the accuracy and validity of their reporting. \n\nDespite my efforts to rectify this issue, including direct communication with XXXX and the credit bureaus, the erroneous reporting remains uncorrected, adversely affecting my credit score and potential financial opportunities. \n\nEnclosed are my payment records, the response from XXXX, and credit reports from XXXX, TransUnion, and XXXX, evidencing the discrepancies and my attempts at rectification. \n\nI respectfully request the CFPB 's intervention to investigate this matter thoroughly. I seek the correction of my credit records to accurately reflect my payment history and any other appropriate remedial actions. \n\nThank you for your attention to this matter. I look forward to your prompt response and a resolution to this ongoing issue.","date_sent_to_company":"2024-01-23T21:28:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44122","tags":null,"has_narrative":true,"complaint_id":"8210048","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-23T21:16:58.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Payment Reporting Dear <em>Consumer</em> Financial Protection <em>Bureau</em>, I am writing to file a formal complaint against <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> ) for their inconsistent and unresolved reporting of a late payment on my credit history, which I believe is a violation of the Fair Credit Reporting Act. \n\nIn a response to my dispute, <em>XXXX</em> <em>XXXX</em>, <em>Director</em> of Compliance at <em>XXXX</em>, asserted that my loan was reported 30 days late in XX/XX/<em>XXXX</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[12.464848,"8210048"]},{"_index":"complaint-public-v1","_id":"5314351","_score":12.3332815,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a victim of some sort of ID attempted theft. I researched how to file a proper dispute. I followed the FCRA and the CFPB guidelines on what information is needed to file the dispute. I filed a dispute with Transunion on XX/XX/XXXX. I received a letter dated XX/XX/XXXX plus days from the receipt of my letter. The letter read that they didn't believe I was me!! Now according to the FCRA and Philbin V. Transunion , LLC, 101 F.3d957, 961 ( 3rd Cir.1996 ) A Plaintiff must prove ( 1 ) an inaccuracy ( 2 ) failure to follow reasonable procedures ; an injury and ( 4 ) the injury was caused by the inaccuracy, \" A CRA responding to a dispute must make a good faith effort to determine the accuracy of the disputed item or items. In other cases, the CRA must conduct a reasonable investigation that, at a minimum, would include checking with the original sources '' This is from a FTC staff report XX/XX/XXXX page 76. I enclosed in my dispute a copy of my drivers license which has my true address, a copy of my social security card as well as a copy of the FTC file that I was advised to fill out by the FCRA and the CFPB. If the Bureaus aren't going to investigate and can simply say we dont believe you are you then what is the point of consumer protection? If Transunion can never afford me the true investigative latitude thats afforded to me by the consumer protection act what then does a consumer do? By the way I copied this information off of the internet apparently Americans are having a real problem with Transunion. Please Director XXXX make an example of them.","date_sent_to_company":"2022-03-13T05:39:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70461","tags":null,"has_narrative":true,"complaint_id":"5314351","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-13T05:33:02.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["If the <em>Bureaus</em> aren't going to <em>investigate</em> and can simply say we dont believe you are you then what is the point of <em>consumer</em> protection? If Transunion can never afford me the true <em>investigative</em> latitude thats afforded to me by the <em>consumer</em> protection act what then does a <em>consumer</em> do? By the way I copied this information off of the internet apparently Americans are having a real problem with Transunion. Please <em>Director</em> <em>XXXX</em> make an example of them."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"issue":["Problem with a credit reporting company's <em>investigation</em> into an existing problem"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[12.3332815,"5314351"]},{"_index":"complaint-public-v1","_id":"5083908","_score":12.029987,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021, this writer contacted XXXX XXXX XXXX Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. \n\nThe next day on XX/XX/2021, XXXX XXXX XXXX aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. \n\nSince that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. \n\nOn XX/XX/2021, XXXX XXXX XXXX Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. \n\nAS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH TRANSUNION TO HAVE THE ACCOUNT REPORTED BY XXXX XXXX XXXX ON OR AROUND XX/XX/2021, REMOVED. \n\nON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM XXXX XXXX XXXX COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. \n\nI'M ASKING FOR AS VERIFIABLE PROOF, XXXX XXXX XXXX SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX  ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!","date_sent_to_company":"2022-01-07T15:52:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"31406","tags":null,"has_narrative":true,"complaint_id":"5083908","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-01-07T15:52:31.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The next day on <em>XX/XX</em>/2021, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting <em>bureaus</em>. \n\nSince that time this writer had filed disputes with the ( 3 ) credit <em>bureaus</em> and also filed a complaint with the Federal <em>Consumer</em> Protection Finance <em>Bureau</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public 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