{"took":76,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2640,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11500259","_score":15.471357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am writing to express my concerns regarding the current lawsuit involving Experian, one of the three major credit reporting agencies. As a consumer who relies on credit reporting agencies for accurate and fair reporting of financial data, I am deeply troubled by the allegations against Experian and how its practices may have impacted me and countless other consumers. \n\nI would like to bring the following points to your attention : Potential Impact on My Credit Report : As a consumer, I have observed \" inaccuracies in my credit report, challenges in disputing incorrect information, or \" delayed responses to disputes '' These issues have caused [ explain consequences, a drop in my credit score, denial of credit, or higher interest rates on loans. \n\nTransparency and Accountability : It is imperative that Experian provides clear, transparent processes for consumers to dispute errors and ensures accountability in addressing such disputes. \n\nBroader Consumer Harm : Beyond my individual concerns, the allegations against Experian suggest systemic issues that may have widespread effects on consumers nationwide. These concerns warrant immediate attention and action to protect consumers and ensure compliance with the Fair Credit Reporting Act ( FCRA ).\n\nGiven the gravity of these allegations and their potential impact on millions of consumers, I urge the CFPB to : Conduct a thorough investigation into the claims made in the lawsuit. \n\nImplement stronger oversight and enforcement measures to ensure compliance with FCRA regulations. \n\nAdvocate for meaningful remedies and compensation for affected consumers. \n\nEnsure that Experian adopts and maintains transparent and consumer-friendly practices going forward. \n\n\n\nThank you for your attention to this matter. I appreciate the CFPBs commitment to protecting consumers and ensuring a fair financial marketplace. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if you require additional information or documentation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-13T21:38:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60619","tags":null,"has_narrative":true,"complaint_id":"11500259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T21:32:33.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["These concerns warrant immediate attention and action to protect <em>consumers</em> and <em>ensure</em> <em>compliance</em> with the Fair Credit Reporting Act ( FCRA ).\n\nGiven the gravity of these allegations and their potential impact on millions of <em>consumers</em>, I urge the CFPB to : Conduct a thorough investigation into the claims made in the <em>lawsuit</em>. \n\nImplement stronger oversight and enforcement measures to <em>ensure</em> <em>compliance</em> with FCRA regulations."],"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":[15.471357,"11500259"]},{"_index":"complaint-public-v1","_id":"11805661","_score":14.614468,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report.\n\n15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information.\n\n15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information.\n\n15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice. \nI have sent multiple dispute letters to Experian requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, Experian has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. \n\nRecently, I became aware of the CFPB 's lawsuit against Experian for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. \n\nI am requesting the CFPB to investigate Experians handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights, as evidenced by the CFPB 's recent lawsuit against them.","date_sent_to_company":"2025-01-28T20:19:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31419","tags":null,"has_narrative":true,"complaint_id":"11805661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-28T19:33:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to investigate Experians handling of my disputes and take appropriate action to <em>ensure</em> <em>compliance</em> with federal law. My experience reflects not only non-<em>compliance</em> with the FCRA but also a disregard for <em>consumer</em> protection rights, as evidenced by the CFPB 's recent <em>lawsuit</em> against them."],"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":[14.614468,"11805661"]},{"_index":"complaint-public-v1","_id":"11710923","_score":14.606116,"_source":{"product":"Debt or credit management","complaint_what_happened":"I am writing to file a complaint regarding XXXX XXXX XXXX involvement in a class action lawsuit. I have concerns about the practices and conduct of the company in relation to the services they provide. Specifically, I believe there may be misleading, deceptive, or otherwise unfair business practices at play that warrant investigation.\n\nI am aware of the ongoing class action lawsuit, and I am concerned that XXXX XXXX has failed to provide the appropriate services promised or has engaged in practices that may be in violation of consumer protection laws. My personal experience with Lexington Law has been [ briefly describe your experience, e.g., poor service, unresolved issues, misleading communication, financial losses, etc. ]. \n\nI respectfully request that the CFPB investigate XXXX XXXX XXXX practices in connection with this class action lawsuit to ensure that they are in compliance with consumer protection regulations and that they are held accountable for any potentially unlawful actions. \n\nThank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue.","date_sent_to_company":"2025-01-24T01:32:14.000Z","issue":"Charged upfront or unexpected fees","sub_product":"Credit repair services","zip_code":"55404","tags":null,"has_narrative":true,"complaint_id":"11710923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"John C. Heath, Attorney at Law, PLLC","date_received":"2025-01-24T01:18:13.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I respectfully request that the CFPB investigate XXXX XXXX XXXX practices in connection with this class action <em>lawsuit</em> to <em>ensure</em> that they are in <em>compliance</em> with <em>consumer</em> protection regulations and that they are held accountable for any potentially unlawful actions. \n\nThank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue."]},"sort":[14.606116,"11710923"]},{"_index":"complaint-public-v1","_id":"11631213","_score":14.591332,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am writing to address my concerns regarding the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Zelle. As a loyal user of your service, I am deeply troubled by the allegations and the potential impact on your customers.\n\nGiven the seriousness of the lawsuit, I believe it is crucial for Zelle to provide clear and transparent communication about the steps being taken/have been taken to address the issues raised by the CFPB. Specifically, I am concerned about how this lawsuit might affect the security and reliability of the service, as well as any potential changes to user agreements or policies.\n\nI request a detailed explanation of the measures Zelle is implementing to ensure compliance with regulatory standards and protect its users. I would like to know how Zelle plans to compensate users who may have been adversely affected by the practices mentioned in the lawsuit.\n\nAs a concerned customer, I expect Zelle to prioritize transparency and customer satisfaction during this challenging time. I look forward to your prompt response and a comprehensive plan to address these concerns.","date_sent_to_company":"2025-01-19T00:58:08.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"028XX","tags":null,"has_narrative":true,"complaint_id":"11631213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-19T00:31:47.000Z","state":"RI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Specifically, I am concerned about how this <em>lawsuit</em> might affect the security and reliability of the service, as well as any potential changes to user agreements or policies.\n\nI request a detailed explanation of the measures Zelle is implementing to <em>ensure</em> <em>compliance</em> with regulatory standards and protect its users. I would like to know how Zelle plans to compensate users who may have been adversely affected by the practices mentioned in the <em>lawsuit</em>."]},"sort":[14.591332,"11631213"]},{"_index":"complaint-public-v1","_id":"11790273","_score":14.342678,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This report highlights significant concerns regarding Zelles handling of disclosures and dispute resolutions, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit. The platform has been criticized for inadequate transparency in its user disclosures, leaving consumers unaware of the risks, such as the non-reversible nature of transactions and limited protections against fraud. Additionally, Zelle 's dispute resolution process has been reported as ineffective, often failing to assist users in recovering funds lost due to unauthorized transactions or fraud, which raises compliance questions under the Electronic Fund Transfer Act ( EFTA ). The CFPB lawsuit further underscores systemic noncompliance issues, including misleading practices and insufficient safeguards for consumers. To address these problems, Zelle must enhance its transparency, ensure clear and comprehensive disclosures, and implement a more consumer-friendly dispute resolution process. Immediate corrective action is necessary not only to align with regulatory standards but also to restore consumer trust and confidence in the platform.","date_sent_to_company":"2025-01-27T13:02:07.000Z","issue":"Confusing or missing disclosures","sub_product":"Domestic (US) money transfer","zip_code":"85251","tags":null,"has_narrative":true,"complaint_id":"11790273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-01-27T12:50:56.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, Zelle 's dispute resolution process has been reported as ineffective, often failing to assist users in recovering funds lost due to unauthorized transactions or fraud, which raises <em>compliance</em> questions under the Electronic Fund Transfer Act ( EFTA ). The CFPB <em>lawsuit</em> further underscores systemic noncompliance issues, including misleading practices and insufficient safeguards for <em>consumers</em>."]},"sort":[14.342678,"11790273"]},{"_index":"complaint-public-v1","_id":"17544425","_score":14.291039,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX has out of compliance with federal, state and consumer right laws and regulations. They have not completed a thorough investigation to ensure my loan did not fall under their predatory lending lawsuit or Covid hardship laws. They have not sent verification requirements Under FCRA they have at best done a sham investigation the several times I have disputed the accuracy of this account. I want the CFPB to hold them to comply with all laws and furnish accurate and original documentation for the information reported to credit agencies or delete this account completely from my credit report.","date_sent_to_company":"2025-11-27T01:42:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92410","tags":null,"has_narrative":true,"complaint_id":"17544425","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-27T01:41:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX has out of <em>compliance</em> with federal, state and <em>consumer</em> right laws and regulations. They have not completed a thorough investigation to <em>ensure</em> my loan did not fall under their predatory lending <em>lawsuit</em> or Covid hardship laws. They have not sent verification requirements Under FCRA they have at best done a sham investigation the several times I have disputed the accuracy of this account."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.291039,"17544425"]},{"_index":"complaint-public-v1","_id":"17917941","_score":14.264491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Santander has out of compliance with federal, state and consumer right laws and regulations. They have not completed a thorough investigation to ensure my loan did not fall under their predatory lending lawsuit or Covid hardship laws. They have not sent verification requirements Under FCRA they have at best done a sham investigation the several times I have disputed the accuracy of this account. I want the CFPB to hold them to comply with all laws and furnish accurate and original documentation for the information reported to credit agencies or delete this account completely from my credit report.","date_sent_to_company":"2025-11-27T01:42:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92410","tags":null,"has_narrative":true,"complaint_id":"17917941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-11-27T01:25:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Santander has out of <em>compliance</em> with federal, state and <em>consumer</em> right laws and regulations. They have not completed a thorough investigation to <em>ensure</em> my loan did not fall under their predatory lending <em>lawsuit</em> or Covid hardship laws. They have not sent verification requirements Under FCRA they have at best done a sham investigation the several times I have disputed the accuracy of this account."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.264491,"17917941"]},{"_index":"complaint-public-v1","_id":"11629570","_score":14.22246,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because I believe Equifax failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX  XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. \n\nThis lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. \n\nI request that the CFPB investigate I am submitting this complaint because I believe XXXX failed to properly investigate disputes I raised regarding inaccuracies on my credit report. Specifically, I disputed two charge-offs reported by XXXX XXXX XXXX XXXX and I do not believe these disputes were handled in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nI am aware that the CFPB recently filed a lawsuit against XXXX for allegedly failing to investigate disputes properly and not ensuring the accuracy of reported information. My experience seems to align with these allegations. When I submitted my dispute, XXXX quickly responded that the reporting was valid, but I am concerned that they did not conduct a thorough investigation. XXXX did not provide sufficient evidence to validate the accuracy of the charge-offs and failed to demonstrate compliance with its obligation to investigate disputes adequately. \n\nThis lack of compliance with the FCRA continues to harm my credit report and financial well-being. The unresolved charge-offs remain on my report, even though I raised valid concerns regarding their accuracy and requested verification. \n\nI request that the CFPB investigate Equifax to ensure it is following the law and conducting proper investigations of consumer disputes. I also request that Equifax be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. \n\nThank you for your attention to this matter. To ensure it is following the law and conducting proper investigations of consumer disputes. I also request that XXXX be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-01-19T03:57:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"11629570","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-19T03:39:41.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I request that the CFPB investigate Equifax to <em>ensure</em> it is following the law and conducting proper investigations of <em>consumer</em> disputes. I also request that Equifax be required to provide proper documentation to validate the reported charge-offs or remove them if they can not be substantiated. \n\nThank you for your attention to this matter. To <em>ensure</em> it is following the law and conducting proper investigations of <em>consumer</em> disputes."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.22246,"11629570"]},{"_index":"complaint-public-v1","_id":"12016902","_score":14.154571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : 15 USC 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy of Credit Reporting 15 USC 1681s-2 - Duty of Furnishers of Information to Report Accurate Information 15 USC 1681i ( 5 ) - Duty to Conduct Proper Investigations of Disputes 15 USC 1681c ( c ) - Duty to Remove or Correct Outdated or Inaccurate Information I have made multiple attempts to dispute inaccuracies on my credit report with Experian, but the company has failed to investigate the issues thoroughly or correct the errors as required by law. Despite sending letters disputing these inaccuracies, Experian has not properly investigated or addressed my concerns. Furthermore, the errors in question continue to negatively impact my XXXX XXXX and my ability to access credit, housing, and employment. \nI recently became aware of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This lawsuit demonstrates a pattern of non-compliance with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs lawsuit. \nI respectfully request that the CFPB investigate XXXX 's handling of my disputes, ensure they are in compliance with the FCRA, and take appropriate enforcement actions to resolve my issues. I also request that Experian be required to remove any inaccurate or outdated information from my credit report, as it is harming my financial standing.","date_sent_to_company":"2025-02-10T21:38:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29410","tags":null,"has_narrative":true,"complaint_id":"12016902","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T21:27:05.000Z","state":"SC","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 recently became aware of a <em>lawsuit</em> filed by the <em>Consumer</em> Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This <em>lawsuit</em> demonstrates a pattern of non-<em>compliance</em> with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs <em>lawsuit</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":[14.154571,"12016902"]},{"_index":"complaint-public-v1","_id":"11822512","_score":14.1484585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Equifax for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report. 15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information. 15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information. 15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice. I have sent multiple dispute letters to Equifax requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, Equifax has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. Recently, I became aware of the CFPB 's lawsuit against XXXX for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. I am requesting the CFPB to investigate Equifax 's handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights.","date_sent_to_company":"2025-01-28T20:51:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31419","tags":null,"has_narrative":true,"complaint_id":"11822512","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-28T20:37:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to investigate Equifax 's handling of my disputes and take appropriate action to <em>ensure</em> <em>compliance</em> with federal law. My experience reflects not only non-<em>compliance</em> with the FCRA but also a disregard for <em>consumer</em> protection rights."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.1484585,"11822512"]},{"_index":"complaint-public-v1","_id":"11805328","_score":14.1484585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against TransUnion for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report.\n\n15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information.\n\n15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information.\n\n15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice.\n\nI have sent multiple dispute letters to TransUnion requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, TransUnion has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. \nRecently, I became aware of the CFPB 's lawsuit against XXXX for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. \nI am requesting the CFPB to investigate Transunion 's handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights.","date_sent_to_company":"2025-01-28T20:37:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31419","tags":null,"has_narrative":true,"complaint_id":"11805328","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-28T20:20:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am requesting the CFPB to investigate Transunion 's handling of my disputes and take appropriate action to <em>ensure</em> <em>compliance</em> with federal law. My experience reflects not only non-<em>compliance</em> with the FCRA but also a disregard for <em>consumer</em> protection rights."],"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":[14.1484585,"11805328"]},{"_index":"complaint-public-v1","_id":"12017481","_score":14.144711,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : 15 USC 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy of Credit Reporting 15 USC 1681s-2 - Duty of Furnishers of Information to Report Accurate Information 15 USC 1681i ( 5 ) - Duty to Conduct Proper Investigations of Disputes 15 USC 1681c ( c ) - Duty to Remove or Correct Outdated or Inaccurate Information I have made multiple attempts to dispute inaccuracies on my credit report with Experian, but the company has failed to investigate the issues thoroughly or correct the errors as required by law. Despite sending letters disputing these inaccuracies, Experian has not properly investigated or addressed my concerns. Furthermore, the errors in question continue to negatively impact my XXXX XXXX and my ability to access credit, housing, and employment. \nI recently became aware of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This lawsuit demonstrates a pattern of non-compliance with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs lawsuit. \nI respectfully request that the CFPB investigate XXXX 's handling of my disputes, ensure they are in compliance with the FCRA, and take appropriate enforcement actions to resolve my issues. I also request that Experian be required to remove any inaccurate or outdated information from my credit report, as it is harming my financial standing.","date_sent_to_company":"2025-02-10T21:38:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29410","tags":null,"has_narrative":true,"complaint_id":"12017481","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-10T21:38:18.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently became aware of a <em>lawsuit</em> filed by the <em>Consumer</em> Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This <em>lawsuit</em> demonstrates a pattern of non-<em>compliance</em> with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs <em>lawsuit</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.144711,"12017481"]},{"_index":"complaint-public-v1","_id":"12017483","_score":14.139578,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly the following provisions : 15 USC 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy of Credit Reporting 15 USC 1681s-2 - Duty of Furnishers of Information to Report Accurate Information 15 USC 1681i ( 5 ) - Duty to Conduct Proper Investigations of Disputes 15 USC 1681c ( c ) - Duty to Remove or Correct Outdated or Inaccurate Information I have made multiple attempts to dispute inaccuracies on my credit report with Experian, but the company has failed to investigate the issues thoroughly or correct the errors as required by law. Despite sending letters disputing these inaccuracies, Experian has not properly investigated or addressed my concerns. Furthermore, the errors in question continue to negatively impact my XXXX XXXX and my ability to access credit, housing, and employment. \nI recently became aware of a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This lawsuit demonstrates a pattern of non-compliance with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs lawsuit. \nI respectfully request that the CFPB investigate XXXX 's handling of my disputes, ensure they are in compliance with the FCRA, and take appropriate enforcement actions to resolve my issues. I also request that Experian be required to remove any inaccurate or outdated information from my credit report, as it is harming my financial standing.","date_sent_to_company":"2025-02-10T21:38:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29410","tags":null,"has_narrative":true,"complaint_id":"12017483","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-10T21:38:18.000Z","state":"SC","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 recently became aware of a <em>lawsuit</em> filed by the <em>Consumer</em> Financial Protection Bureau ( CFPB ) against Experian, which accuses the company of conducting sham investigations and failing to remove or reinsert errors on credit reports. This <em>lawsuit</em> demonstrates a pattern of non-<em>compliance</em> with the FCRA and is relevant to my complaint. I believe XXXX actions ( or lack thereof ) in my case align with the issues raised in the CFPBs <em>lawsuit</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":[14.139578,"12017483"]},{"_index":"complaint-public-v1","_id":"13350299","_score":14.061816,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I called customer service on XX/XX/2025 XXXX : XXXX XXXX EST .. requesting to file a dispute because im unable to file a dispute on my own. The message received is : For security reasons, we can not process your dispute online. Please contact us below. \nOur Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. \nMon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Ask the representative to disute the item and add the note ; I am requesting the description of reinvestigation procedure according to 15USC 1681i ( 7 ) states if requested by the consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline Which he wouldn't do. He stated him putting investigate the debt would be just fine. This is the XXXX time filling a complaint with Experian about the way they are handling my credit reports. \n\n\n\nIn light of the recent lawsuit filed against Experian by the CFPB, I am requesting a thorough and fair investigation of the disputed information on my credit report. \n\n\nThe lawsuit highlights concerns regarding compliance with federal consumer protection laws, and the accuracy of credit reporting practices. \n\n\nAs a consumer, 1 trust Experian will uphold its responsibility under the Fair Credit Reporting Act to ensure that all information reported is accurate, complete, and verifiable. \nIf the disputed information can not be verified as accurate after a fair investigation, I respectfully request its prompt deletion from my credit file. \n\n\nThis request is made in good faith to ensure my credit report reflects truthful and accurate information.","date_sent_to_company":"2025-05-05T18:10:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"13350299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-05T17:52:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["In light of the recent <em>lawsuit</em> filed against Experian by the CFPB, I am requesting a thorough and fair investigation of the disputed information on my credit report. \n\n\nThe <em>lawsuit</em> highlights concerns regarding <em>compliance</em> with federal <em>consumer</em> protection laws, and the accuracy of credit reporting practices. \n\n\nAs a <em>consumer</em>, 1 trust Experian will uphold its responsibility under the Fair Credit Reporting Act to <em>ensure</em> that all information reported is accurate, complete, and verifiable."],"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":[14.061816,"13350299"]},{"_index":"complaint-public-v1","_id":"12000578","_score":14.0227165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have recently become aware of a lawsuit involving Experian that may be relevant to the inaccuracies on my credit report, and I am requesting an immediate investigation into the disputed information in compliance with the following FCRA guidelines : FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. \nFCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including Experian, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement.\n\nFCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting.\n\nAdditionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined.","date_sent_to_company":"2025-02-08T13:38:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"12000578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-08T13:38:08.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, the <em>Consumer</em> Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and <em>ensure</em> <em>compliance</em> with the procedures outlined."],"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":[14.0227165,"12000578"]},{"_index":"complaint-public-v1","_id":"11996832","_score":14.0227165,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have recently become aware of a lawsuit involving Experian that may be relevant to the inaccuracies on my credit report, and I am requesting an immediate investigation into the disputed information in compliance with the following FCRA guidelines : FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. \nFCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including Experian, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement.\n\nFCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting.\n\nAdditionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined.","date_sent_to_company":"2025-02-08T13:38:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"11996832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-08T13:38:08.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, the <em>Consumer</em> Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and <em>ensure</em> <em>compliance</em> with the procedures outlined."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[14.0227165,"11996832"]},{"_index":"complaint-public-v1","_id":"11999180","_score":14.002987,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have recently become aware of a lawsuit involving Experian that may be relevant to the inaccuracies on my credit report, and I am requesting an immediate investigation into the disputed information in compliance with the following FCRA guidelines : FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. \nFCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including Experian, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement.\n\nFCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting.\n\nAdditionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined.","date_sent_to_company":"2025-02-08T13:38:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60411","tags":null,"has_narrative":true,"complaint_id":"11999180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-08T13:25:34.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, the <em>Consumer</em> Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and <em>ensure</em> <em>compliance</em> with the procedures outlined."],"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":[14.002987,"11999180"]},{"_index":"complaint-public-v1","_id":"11702037","_score":13.971866,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing YET AGAIN to complain against Experian for their failure to conduct an adequate investigation into disputes I submitted on XX/XX/year>XXXX  and via this portal in XX/XX/year>. These disputes pertain to several accounts that are reporting inaccurately and violating my privacy rights under the Fair Credit Reporting Act ( FCRA ). \n\nDespite my providing detailed documentation and a clear explanation of the inaccuracies, Experians response has been wholly insufficient. They have not furnished any documentary evidence to substantiate their so-called \" investigation. '' This lack of transparency and due diligence raises serious concerns about their compliance with federal regulations designed to protect consumers from credit reporting errors. \n\nI was reading the CFPB 's lawsuit against Experian, which highlights systemic issues with their handling of consumer disputes and violations of the FCRA. This pattern of negligence, as cited in your lawsuit, appears to mirror my own experience. Experians practices are not only frustrating but also detrimental to my financial well-being.\n\nI demand that Experian immediately remove the disputed accounts from my credit report as they have failed to provide any verifiable evidence to justify their continued reporting. Additionally, I urge the CFPB to investigate Experians handling of my disputes and take appropriate enforcement action to ensure compliance with federal law.","date_sent_to_company":"2025-01-22T22:24:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"080XX","tags":null,"has_narrative":true,"complaint_id":"11702037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-22T22:15:49.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Additionally, I urge the CFPB to investigate Experians handling of my disputes and take appropriate enforcement action to <em>ensure</em> <em>compliance</em> with federal law."],"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":[13.971866,"11702037"]},{"_index":"complaint-public-v1","_id":"11575066","_score":13.855931,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for failing to remove inaccurate information from my credit report despite multiple disputes and the recent lawsuit filed against Experian by the CFPB, which highlights similar failures by the credit bureau in properly investigating consumer disputes. \n\nComplaint Details : Inaccurate Reporting : Certain files on my Experian credit report have not been removed despite my formal disputes, and these files are either incorrect or outdated. The inaccurate information includes [ briefly describe the incorrect files, such as charged-off accounts, collection accounts, etc. ]. These accounts should no longer be listed due to [ provide specific reason, such as settled debt, expired reporting period, or incorrect debt ]. \nFailure to Investigate and Correct : I have disputed these inaccuracies with Experian multiple times, but they have failed to remove the incorrect entries or provide adequate evidence that justifies the continued reporting of these items. As required by the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to conduct a reasonable investigation into disputed items and ensure that all information reported is accurate. Experian has not complied with this duty. \nNon-compliance with CFPB Lawsuit : I am aware of the CFPBs lawsuit against Experian for similar issues involving failure to properly investigate and remove inaccurate information. Given the nature of this legal action, I believe that Experians practices in my case reflect broader non-compliance with consumer protection laws. \n\nI trust that the CFPB will take swift action to resolve this matter. Please keep me informed of any developments regarding this complaint. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-16T22:51:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"11575066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T22:46:26.000Z","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":["As required by the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to conduct a reasonable investigation into disputed items and <em>ensure</em> that all information reported is accurate. Experian has not complied with this duty. \nNon-<em>compliance</em> with CFPB <em>Lawsuit</em> : I am aware of the CFPBs <em>lawsuit</em> against Experian for similar issues involving failure to properly investigate and remove inaccurate information."],"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":[13.855931,"11575066"]},{"_index":"complaint-public-v1","_id":"11866259","_score":13.768654,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian Dispute Resolution for failing to ensure accurate reporting of late payments on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My dispute concerns XXXX inaccurately reported late payments on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nDetails of the Issue Inaccurate Late Payments : The late payment entries reported by Experian for the months mentioned above are incorrect. These entries are negatively affecting my credit score and financial opportunities.\n\nViolation of FCRA Requirements : Under FCRA 1681i, Experian is required to conduct a reasonable investigation of disputed information. However, Experian has failed to : Provide proper verification or documentation to support these reported late payments. \nConduct a reasonable reinvestigation of the disputed information.\n\nForward all relevant documentation I submitted to the furnisher of the information.\n\nCFPB Lawsuit Against Experian : The recent CFPB lawsuit against Experian highlighted systemic failures in their dispute process, including over-reliance on furnishers ' responses and failure to provide consumers with clear, accurate reinvestigation results. My case is yet another example of Experians disregard for consumer rights and FCRA compliance. \nConclusion Experians failure to comply with FCRA standards and their inadequate dispute resolution process has caused undue harm to my credit profile. I respectfully request that the CFPB take action to ensure Experian corrects these errors and implements proper compliance measures to prevent future violations. \n\nThank you for your attention to this matter. I am available to provide further information or documentation upon request.","date_sent_to_company":"2025-01-31T04:59:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"011XX","tags":null,"has_narrative":true,"complaint_id":"11866259","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T04:37:54.000Z","state":"MA","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":["CFPB <em>Lawsuit</em> Against Experian : The recent CFPB <em>lawsuit</em> against Experian highlighted systemic failures in their dispute process, including over-reliance on furnishers ' responses and failure to provide <em>consumers</em> with clear, accurate reinvestigation results. My case is yet another example of Experians disregard for <em>consumer</em> rights and FCRA <em>compliance</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":[13.768654,"11866259"]},{"_index":"complaint-public-v1","_id":"11558753","_score":13.716302,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to complain about the handling of my recent credit dispute with Experian and XXXX XXXX. Despite providing sufficient evidence to support my claim, that XXXX XXXX has inaccurately reported on my income, I requested experian to investigate and dispute any errors and they have failed to do so. i asked experian to remove the account, it is evident that Experian failed to thoroughly investigate the matter, as required by the Fair Credit Reporting Act ( FCRA ). \n\nThis negligence aligns with allegations in the current CFPB lawsuit against Experian, which highlights systemic failures in dispute resolution and compliance with consumer protection laws. Their inadequate response has caused undue harm and undermines the trust consumers place in credit reporting agencies. \n\nI request immediate re-investigation of my dispute and a detailed explanation of the steps taken to resolve it. Please ensure compliance with legal standards and uphold your obligation to provide accurate and fair reporting. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-17T15:42:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"11558753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-17T15:09:39.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>ensure</em> <em>compliance</em> with legal standards and uphold your obligation to provide accurate and fair reporting. \n\nSincerely, XXXX XXXX"],"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":[13.716302,"11558753"]},{"_index":"complaint-public-v1","_id":"13763865","_score":13.626695,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX submit this formal complaint against Equifax, TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated time frame, failure to provide verification details upon request, and failure to validate debt prior to reporting. Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of XXXX XXXX. XXXX ( a ) and ( b ). Furthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from any of the bureaus, which constitutes an additional violation of federal consumer protection laws, specifically : XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within the required XXXX period. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information. XXXX XXXX. XXXX ( b ) : Failure to ensure maximum possible accuracy. XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide verification of debt, including original contracts and signatures, upon request. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against the credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : Experian Lawsuit ( XX/XX/XXXX ) : The CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged that Experian allowed erroneous information to reappear on reports, impacting consumers ' credit, employment, and housing access. The CFPB seeks to halt Experian 's misconduct, provide redress, and impose penalties. TransUnion Settlement ( XX/XX/XXXX ) : The CFPB, alongside the FTC, reached a {$15.00} XXXX settlement with TransUnion and its subsidiary, TransUnion XXXX XXXX XXXX XXXX XXXX, for failing to ensure the accuracy of tenant screening reports. The agency charged that TransUnions inaccuracy potentially hindered consumers ' ability to secure housing. TransUnion agreed to pay {$11.00} XXXX in restitution and a {$4.00} XXXX civil penalty and implement enhanced accuracy measures. Equifax Lawsuit ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against Equifax for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against Equifax, TransUnion, and Experian. Fraudulent Accounts & Unauthorized Reinsertions XXXX XXXX  : XXXX * * * Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts from my credit file across all three bureaus. Ensure that these accounts and inquiries are not reinserted without proper validation as required under XXXX XXXX. XXXX ( b ). Written Confirmation : Provide written confirmation of the removal of these accounts along with updated copies of my credit reports. Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent. Provide findings in writing, including all requested verification details, such as contracts and signatures. Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under XXXX XXXX. XXXX ( XXXX ). The continued noncompliance by Equifax, TransUnion, and Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under XXXX XXXX. XXXX and XXXX for willful and negligent violations. Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-27T19:09:03.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"13763865","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-27T19:08:34.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax <em>Lawsuit</em> ( XX/XX/XXXX ) : The CFPB filed a major <em>lawsuit</em> against Equifax for repeated violations of the FCRA and deceptive practices that misled <em>consumers</em> regarding credit report accuracy. The <em>lawsuit</em> highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper <em>consumer</em> notification."],"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":[13.626695,"13763865"]},{"_index":"complaint-public-v1","_id":"13761257","_score":13.626695,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX submit this formal complaint against Equifax, TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated time frame, failure to provide verification details upon request, and failure to validate debt prior to reporting. Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of XXXX XXXX. XXXX ( a ) and ( b ). Furthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from any of the bureaus, which constitutes an additional violation of federal consumer protection laws, specifically : XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within the required XXXX period. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information. XXXX XXXX. XXXX ( b ) : Failure to ensure maximum possible accuracy. XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide verification of debt, including original contracts and signatures, upon request. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against the credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : Experian Lawsuit ( XX/XX/XXXX ) : The CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged that Experian allowed erroneous information to reappear on reports, impacting consumers ' credit, employment, and housing access. The CFPB seeks to halt Experian 's misconduct, provide redress, and impose penalties. TransUnion Settlement ( XX/XX/XXXX ) : The CFPB, alongside the FTC, reached a {$15.00} XXXX settlement with TransUnion and its subsidiary, TransUnion XXXX XXXX XXXX XXXX XXXX, for failing to ensure the accuracy of tenant screening reports. The agency charged that TransUnions inaccuracy potentially hindered consumers ' ability to secure housing. TransUnion agreed to pay {$11.00} XXXX in restitution and a {$4.00} XXXX civil penalty and implement enhanced accuracy measures. Equifax Lawsuit ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against Equifax for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against Equifax, TransUnion, and Experian. Fraudulent Accounts & Unauthorized Reinsertions XXXX XXXX  : XXXX * * * Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts from my credit file across all three bureaus. Ensure that these accounts and inquiries are not reinserted without proper validation as required under XXXX XXXX. XXXX ( b ). Written Confirmation : Provide written confirmation of the removal of these accounts along with updated copies of my credit reports. Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent. Provide findings in writing, including all requested verification details, such as contracts and signatures. Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under XXXX XXXX. XXXX ( XXXX ). The continued noncompliance by Equifax, TransUnion, and Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under XXXX XXXX. XXXX and XXXX for willful and negligent violations. Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-27T19:09:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"13761257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-27T18:57:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax <em>Lawsuit</em> ( XX/XX/XXXX ) : The CFPB filed a major <em>lawsuit</em> against Equifax for repeated violations of the FCRA and deceptive practices that misled <em>consumers</em> regarding credit report accuracy. The <em>lawsuit</em> highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper <em>consumer</em> notification."],"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":[13.626695,"13761257"]},{"_index":"complaint-public-v1","_id":"13736395","_score":13.624918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX XXXX submit this formal complaint against Equifax, TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated time frame, failure to provide verification details upon request, and failure to validate debt prior to reporting. Background & Violations My credit reports contain fraudulent accounts and unauthorized inquiries that the Bureaus have failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, these Bureaus have removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of XXXX XXXX. XXXX ( a ) and ( b ). Furthermore, I sent a certified dispute letter to all three credit bureaus requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from any of the bureaus, which constitutes an additional violation of federal consumer protection laws, specifically : XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ) : Failure to investigate disputes within the required XXXX period. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information. XXXX XXXX. XXXX ( b ) : Failure to ensure maximum possible accuracy. XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to provide verification of debt, including original contracts and signatures, upon request. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against the credit bureaus for similar violations, further demonstrating a pattern of noncompliance. These legal precedents reinforce the validity of my complaint : Experian Lawsuit ( XX/XX/XXXX ) : The CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies. The lawsuit alleged that Experian allowed erroneous information to reappear on reports, impacting consumers ' credit, employment, and housing access. The CFPB seeks to halt Experian 's misconduct, provide redress, and impose penalties. TransUnion Settlement ( XX/XX/XXXX ) : The CFPB, alongside the FTC, reached a {$15.00} XXXX settlement with TransUnion and its subsidiary, TransUnion XXXX XXXX XXXX XXXX XXXX, for failing to ensure the accuracy of tenant screening reports. The agency charged that TransUnions inaccuracy potentially hindered consumers ' ability to secure housing. TransUnion agreed to pay {$11.00} XXXX in restitution and a {$4.00} XXXX civil penalty and implement enhanced accuracy measures. Equifax Lawsuit ( XX/XX/XXXX ) : The CFPB filed a major lawsuit against Equifax for repeated violations of the FCRA and deceptive practices that misled consumers regarding credit report accuracy. The lawsuit highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against Equifax, TransUnion, and Experian. Fraudulent Accounts & Unauthorized Reinsertions XXXX XXXX  : XXXX * * * Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts from my credit file across all three bureaus. Ensure that these accounts and inquiries are not reinserted without proper validation as required under XXXX XXXX. XXXX ( b ). Written Confirmation : Provide written confirmation of the removal of these accounts along with updated copies of my credit reports. Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent. Provide findings in writing, including all requested verification details, such as contracts and signatures. Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under XXXX XXXX. XXXX ( XXXX ). The continued noncompliance by Equifax, TransUnion, and Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against these credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under XXXX XXXX. XXXX and XXXX for willful and negligent violations. Your intervention is necessary to ensure these Bureaus are held accountable and that my credit report is permanently corrected. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-05-27T19:09:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33604","tags":null,"has_narrative":true,"complaint_id":"13736395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-27T19:08:34.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax <em>Lawsuit</em> ( XX/XX/XXXX ) : The CFPB filed a major <em>lawsuit</em> against Equifax for repeated violations of the FCRA and deceptive practices that misled <em>consumers</em> regarding credit report accuracy. The <em>lawsuit</em> highlighted that Equifax knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper <em>consumer</em> notification."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.624918,"13736395"]},{"_index":"complaint-public-v1","_id":"11514686","_score":13.611734,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It XXXX Concern, Subject : Complaint Regarding Experians Non-Compliance with FCRA and Improper Dispute Handling Practices I am filing this complaint to report Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and address the persistent inaccuracies in my credit report despite multiple dispute attempts. \n\n1. Background of the Issue : I have sent multiple dispute letters to XXXX requesting investigation and correction of inaccuracies on my credit report. These disputes were made under the rights provided by the FCRA, specifically : 15 USC 1681e ( b ) : Failure to maintain accurate credit reporting practices.\n\n15 USC 1681s-2 : Responsibility of furnishers of information to provide accurate data.\n\n15 USC 1681i ( 5 ) : Obligation to investigate disputes and remove inaccurate information.\n\n15 USC 1681c ( c ) : Requirements for the appropriate handling of outdated or prohibited information. \n\nDespite providing detailed documentation and supporting evidence, XXXX has failed to properly investigate the disputes, as required by law. In some instances, errors that were briefly removed were subsequently reinserted without proper notice. \n\n2. Reference to CFPBs Recent Lawsuit : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against XXXX, alleging systemic failures in their dispute investigation process ( \" CFPB Sues XXXX for Sham Investigations of Credit Report Errors, '' XX/XX/year> ). This lawsuit highlights practices that closely align with my experience, including : Improper handling of consumer disputes. \n\nFailure to conduct reasonable investigations into reported errors. \n\nRe-inserting previously corrected inaccuracies without notifying consumers. \n\n3. Impact on Me : XXXX actions have caused significant harm, including : Lowered credit scores, which affect my ability to secure credit, housing, and employment. \n\nEmotional distress and frustration from repeated attempts to resolve the issues. \n\n4. Requested Resolution : I request the CFPB to : Investigate Experians handling of my disputes and compliance with FCRA. \n\nEnsure that XXXX corrects all inaccuracies on my credit report permanently. \n\nImpose any necessary penalties or corrective actions to prevent future non-compliance. \n\nAttached to this complaint are copies of : My original dispute letters. \n\nResponses ( if any ) received from XXXX. \n\nEvidence of inaccuracies on my credit report. \n\nThank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure my rights as a consumer are protected. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-14T17:13:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"985XX","tags":null,"has_narrative":true,"complaint_id":"11514686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T17:13:52.000Z","state":"WA","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":["Reference to CFPBs Recent <em>Lawsuit</em> : I recently became aware of the <em>Consumer</em> Financial Protection Bureaus ( CFPB ) <em>lawsuit</em> against XXXX, alleging systemic failures in their dispute investigation process ( \" CFPB Sues XXXX for Sham Investigations of Credit Report Errors, '' XX/XX/year> ). This <em>lawsuit</em> highlights practices that closely align with my experience, including : Improper handling of <em>consumer</em> disputes. \n\nFailure to conduct reasonable investigations into reported errors."],"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":[13.611734,"11514686"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2640,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2640}]}},"product":{"doc_count":2640,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2374,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2367},{"key":"Other personal 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