{"took":90,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7802867","_score":16.042814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I received a phone call phone from a collection agency advising that I had a past due balance on an account I have NEVER HAD. I advised them that I had never had any personal or business dealings with the bank in question. I requested that they mail me the information to review. Immediately after that phone call, I contacted all 3 credit bureaus to review my reports. I wanted to make sure that the information listed was accurate and that this particular information was not appearing on my reports. I was able to view my credit report from XXXX and XXXX online. I noticed that XXXX was reporting the amount of my XXXX  loan and the original balance incorrectly and filed the dispute online. My issues started when I tried to retrieve my report from TransUnion. The first issue was that I was advised they could not verify my information as provided and to contact the office by phone. I called the office of TransUnion. After providing my phone number, date of birth, and last XXXX of my social I was asked to confirm that my address was an address not mine in Delaware. I was asked to confirm that my first name was XXXX and my last name was the person XXXX last name. Apparently, when you call, TransUnion uses the phone number you are calling on to verify your identity. I have had my phone number for about 3 years I was concerned that if they are identifying folks by phone number someone calling in using my old cell phone number may be obtaining my information as I was able to obtain the address and full name of this gentleman XXXX. After spending 30 minutes on the phone finally, I was advised that I would receive my report by mail. A week later I received my credit report. The above-mentioned account was not on there however the reporting of my XXXX Loan was inaccurate. My XXXX  loan along with thousands of others was paused in XXXX the agency that had my loan XXXX never reported the pause as the letter I received from them and US Department of Education advised. Instead, it was showing 4 months past due every month in 2020 up until the time my loan was transferred over to my new lender. In addition, once again, the amount of my loan with interest was reporting incorrectly appearing to show I went over my loan amount limit when in fact that is the daily interest calculated on the loan which is why those of us who have XXXX  loans feel like we are paying payday loans because the interest almost equals your monthly payment. I have tried to dispute this issue with Transunion first by phone. I was advised to go to the website. I went to the website and put in my username and password. Apparently, they can not recognize my password on my smartphone or my computer. I was advised they would send me a code to reset my password. Never came. I checked and rechecked as of right now I still do not have the code. IT SHOULD NOT BE THIS DIFFICULT TO DISPUTE AN ITEM ON YOUR CREDIT REPORT. I received this portals reset in less than XXXX seconds. I contacted the chat feature on the TransUnion site no help. So I am contacting your office to once again ask for your assistance in getting a business to respond to their customers. I appreciate your service. I just want to dispute the information on this report.","date_sent_to_company":"2023-11-04T14:36:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19805","tags":null,"has_narrative":true,"complaint_id":"7802867","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-04T13:58:55.000Z","state":"DE","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":["In addition, once again, the amount of my <em>loan</em> with interest was <em>reporting</em> <em>incorrectly</em> appearing to show I went over my <em>loan</em> amount limit when in fact that is the daily interest calculated on the <em>loan</em> which is why those of us who have XXXX  <em>loans</em> feel like we are paying <em>payday</em> <em>loans</em> because the interest almost equals <em>your</em> monthly payment. I have tried to dispute this issue with Transunion first by phone. I was advised to go to the website."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account status <em>incorrect</em>"]},"sort":[16.042814,"7802867"]},{"_index":"complaint-public-v1","_id":"4898844","_score":13.945763,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion continues to report information incorrectly as this is having an adverse reaction on my credit score. TransUnion is reporting the balances on my accounts are too high compared to loan amounts and that they are high lowering my score, however, I paid my auto loans and am using less than 2 % of my available credit. TransUnion is also stating my largest credit limit on my open bankcard or revolving accounts is too low which is not accurate. While I may not have {$100000.00} limits I don't have as little as $ XXXX-XXXX  limits. What do they consider too low a limit? TransUnion is being biased and prejudice by also lowering my score by stating largest credit limit among all the open bankcard or revolving accounts in your credit file is low. Again this information is inaccurate if you look at my available credit and limits across my card profile. TransUnion is giving the false impression that I am overextended which are triggers for higher risk of which I am not This is a defamation of my character. I always use credit responsibly and always make payments on time. TransUnion also states I have too many inquiries and this is lowering my score. I have one ( 1 ) inquiry from XX/XX/2020 and no other inquires. How is this \" too many '' unless they are simply looking for reasons to intentionally lower my score because of race. This information is not correct nor is it right. Stating I have too many inquiries can lower your score a small amount, typically by 10 to 20 points. The TransUnion XXXX credit score model is flawed. Again another inaccurate piece of information in my credit file that TransUnion fails to correct is they are claiming the total of all balances on bankcard or revolving accounts is too high yet I have paid off practically every credit card, I have paid off my auto loan, I have no personal loans no payday loans and I find it strange that my score dropped significantly when I paid off all debt than when I had debt. For the past 8 months I have been at 1-3 % utilization and yet my score continues to drop with TransUnion with no explanation so I find it difficult to understand how TransUnion states the total combined amount I owe on all of my bankcards and revolving accounts is high and a sign of increased risk. People who carry balances on multiple bankcards or other revolving accounts have reduced available credit to use if needed, creating a greater chance of becoming overextended yet I have paid everything off ; TransUnion claims on their own website : Pay down the balances on your accounts. Ideally, the balance on any revolving account should be 30 % or less of the total credit limit on that account. Yet my 1-3 % which is substantially below their recommended 30 % isn't enough to move the credit score needle? Its","date_sent_to_company":"2021-11-10T11:05:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92507","tags":"Servicemember","has_narrative":true,"complaint_id":"4898844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-11-10T10:32:59.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["TransUnion continues to <em>report</em> <em>information</em> <em>incorrectly</em> as this is having an adverse reaction on my credit score. TransUnion is <em>reporting</em> the balances on my accounts are too high compared to <em>loan</em> amounts and that they are high lowering my score, however, I paid my auto <em>loans</em> and am using less than 2 % of my available credit. TransUnion is also stating my largest credit limit on my open bankcard or revolving accounts is too low which is not accurate."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["Account <em>information</em> <em>incorrect</em>"]},"sort":[13.945763,"4898844"]},{"_index":"complaint-public-v1","_id":"3497976","_score":13.12064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : FactorTrust, Incorporated ( an alternative credit bureau ) On XX/XX/2020 I received an email alert from XXXX  notifying me of a change in my XXXX   credit report at XXXX XXXX. When I got home from work, I immediately accessed my credit report and noted that a hard inquiry by XXXX XXXX XXXX had been completed. I had not sought out the services of XXXX XXXX XXXX nor authorized XXXX XXXX XXXX to perform any inquiry. I immediately called XXXX XXXX XXXX and notified them of possible identity theft and fraudulent activity. They stated that it was an \" online '' loan application. I then stated that it definitely was not me and I was provided a customer service reference number by XXXX XXXX XXXX. I then began the process of placing security freezes and fraud alerts with XXXX, XXXX, and XXXX. When reviewing my credit reports I saw an unauthorized inquiry by FactorTrust, Incorporated.  I did not recognize that company so looked it up on the internet and found that they are an \" alternative credit bureau '' that is used by XXXX XXXX XXXX. I was unable to talk to a customer service representative at FactorTrust that evening because their hours of operation are from XXXX XXXX to XXXX XXXX Eastern Time. So, I attempted to access THAT credit report to place a security freeze and I was unable to successfully \" verify my identity '' by the questions posed ( I now know that they have created a credit report on me FULL of inaccuracies and will explain further. ) As I was unable to answer the verification questions ( which I have been able to do for over 30+ years with no problems with all other agencies ) I called their customer service number on XX/XX/2020 to notify them that XXXX XXXX XXXX was not authorized to do a credit inquiry and to place a fraud alert and security freeze on the credit report. The representative I spoke with did note that I had had difficulty signing on because of the \" failures '' on the security questions. Once I satisfactorily answered questions to verify my identity with the agent, I was provided a fax number and provided directions on placing a security freeze. I filled out a form and faxed it with supporting identification on XX/XX/2020. I have YET to  receive confirmation on the security freeze as of XX/XX/2020. As I was able to finally see the \" credit report '' generated by FactorTrust ( once the agent assisted me ) I  noticed multiple inaccuracies and items on the report that are not part of credit reports. First off, the report generated by FactorTrust , Inc. was done on XX/XX/2020 ... they have nothing prior to XX/XX/2020. Secondly, it had information included on the credit report that is not on the \" big '' three namely, a bank routing and account number and a loan number for XXXX XXXX XXXX with the amount of the \" payday '' loan ( yes, it said the type of loan it was ). In addition, it had my so-called salary and my so-called payroll frequency ( both incorrect ). With this information, I looked up the routing number and called the bank ( not a bank nor branch available in my state so obviously not mine ) and I notified that bank that my name, DOB, and SSN was used to obtain a loan fraudulently and that their bank is listed on my credit report. Their customer service department took the information on the evening of the 7th and said that they were forwarding it to their fraud department. I spent hours on the 7th and 8th trying to reach \" real '' people in various agencies/companies desperate to make sure the thief 's damage was contained. On XX/XX/2020 I filed an Identity Theft Report with the Federal Trade Commission naming XXXX XXXX XXXX and FactorTrust, Incorporated as unauthorized users of my personal information. Copies of the the FTC Identity Theft Report were provided XXXX XXXX XXXX and to all credit reporting agencies including FactorTrust, Incorporated, and disputes filed to have the inquiries removed. After filing the report and reading my rights under the Fair Credit Reporting Act I contacted the bank that was listed on my FactorTrust, Incorporated credit report to ask what information I needed to provide to them to obtain copies of the application someone used to open the bank account using my information. It was at this point that I learned that the bank account was not associated with my name and SSN. I explained that FactorTrust, Inc. has it associated with my personal identifying information and the bank stated that the information must have come from the XXXX XXXX XXXX loan application. In truth, FactorTrust, Inc. generated an inaccurate, falsified Consumer Disclosure Credit Report about ME using information from an ONLINE PAYDAY LOAN application. On XX/XX/2020 I mailed a letter to FactorTrust, Incorporated requesting that they A ) delete and block XXXX XXXX XXXX from my credit report, and B ) that they delete and remove my entire consumer report file that they generated as the result of identity theft and fraud. On XX/XX/2020, I faxed a duplicate request to FactorTrust Incorporated along with the FTC Identity Theft Report. To date, FactorTrust, Inc. has still not notified me of my requested security freeze status. To date, FactorTrust Inc. is the only credit reporting agency that has not removed the fraudulent inquiry and information. To date, the only correspondence I have received from them is an email in response to my disputes about the false information and the XXXX XXXX XXXX inquiry. Email reads as follows : Good morning, We are in receipt of your dispute and have started the investigation process. Please provide us proof and back up supporting your claims. This supporting documentation can be mailed or faxed in to us. If you have any questions or concerns, please give us a call at ( XXXX ) XXXX. \nThanks, Consumer Support FactorTrust, Inc. \nXXXX XXXX XXXX XXXX, GA XXXX Fax XXXX To summarize : FactorTrust , Inc. is party to creating a Consumer Disclosure Credit Report full of inaccurate and false information based on an online application created by an identity thief. MANY of the items on the FactorTrust, Inc. credit report are not found on my XXXX, XXXX, and XXXX  reports. FactorTrust, Inc. is the least responsive to my requests to correct and delete any and all information they collected on me as the result of identity theft.","date_sent_to_company":"2020-01-22T19:34:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"750XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3497976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FactorTrust, Inc.","date_received":"2020-01-16T01:48:02.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I explained that FactorTrust, Inc. has it associated with my <em>personal</em> identifying <em>information</em> and the bank stated that the <em>information</em> must have come from the XXXX XXXX XXXX <em>loan</em> application. In truth, FactorTrust, Inc. generated an inaccurate, falsified Consumer Disclosure Credit <em>Report</em> about ME using <em>information</em> from an ONLINE <em>PAYDAY</em> <em>LOAN</em> application."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[13.12064,"3497976"]},{"_index":"complaint-public-v1","_id":"11448257","_score":12.56143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally dispute several inaccuracies and fraudulent entries on my credit report related to identity theft and the XXXX XXXX data breach, which compromised my personal information. Despite filing disputes with the credit reporting agencies and notifying them of my status as a victim of identity theft, numerous derogatory items remain on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681bEB The following items on my credit report require immediate investigation and removal due to inaccuracies and lack of proper verification : XXXX XXXX XXXX XXXX XXXX XXXX ( Creditor XXXX XXXX XXXX XXXX Balance : {$430.00} Already removed from XXXX but remains on other reports. \n\nThis account is fraudulent and should be permanently removed from all reports. \n\nXXXX. School Loan ( Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed/paid but listed with incorrect dates and incomplete payment history. \n\nThis account is 14 years old and should no longer appear, even if listed as charged off. \n\nXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX Opened by creditor in XXXX during mail theft. \n\nI never received or used this card. This account is fraudulent. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} Opened XX/XX/XXXX, shortly after my driver 's license was stolen and reported on XX/XX/XXXX. \n\nI did not apply for this card, and the account was fraudulently opened. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$610.00} Opened XX/XX/XXXX, with my credit under fraud alert and frozen at the time. \n\nThis account is fraudulent. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2900.00} This loan was also fraudulently opened, and its listing on XXXX XXXX inaccurate. \n\nAdditionally, I have observed numerous unauthorized inquiries, incorrect addresses, phone numbers ( 12 I noticed ), and subprime lenders linked to my reports, which further indicate ongoing fraud i.e XXXX XXXX Clarity Experian, XXXX XXXX noticed on my latest Experian report, they added more alternate lenders including XXXX payday loans for {$250.00} each and none have dates, acct numbers and then the {$2900.00}, which I imagine is a huge XXXX XXXX XXXX, but it gave no further information. I never personally have ever taken out or saw these extra debts had I noticed this very small, almost hidden side bar. I clicked on this small notifications link with 54 inquiries and 4 loans total. Despite my efforts to freeze my credit and notify the bureaus, these errors remain unresolved. I also have recently on XX/XX/XXXX a auto loan XXXX XXXX XXXX XXXX # XXXX. I contacted and let them know it was not me and to not pursue applicant as it was a fraudulent request. Also on XX/XX/XXXX another large APR personal Loan was requested in my name and I was alerted online. I check my credit almost daily and although things have dropped off, especially from XXXX debts removed and 2 school loans paid off, yet my score was at XXXX in XX/XX/XXXX down to XXXX by XX/XX/XXXX? With no explanation. The site states each removed items was XXXX points, which, now it's a new year XXXX and nothing has changed. These items have put a strain on my life in in very extreme way and it's kept me from moving forward with my life and has kept me down, with very low mood and feeling hopeless no matter how hard I've worked to get these taken off, even with these extremely obvious reasons ( XXXX ) I got a small {$18.00} check a couple months ago, but since I originally filled out that form, sooo much more has happened My credit report explicitly notes that I am a victim of identity theft. It is unacceptable that unverified, fraudulent debts continue to damage my credit score and violate my rights under the FCRA. I respectfully request that the CFPB investigate my claims and ensure the immediate removal of these inaccurate items from my credit report. \n\nPlease let me know if any additional documentation is required. I have included my identity theft affidavit and a police record, which is a incident report where applicable. Thank you for your attention to this matter.","date_sent_to_company":"2025-01-10T03:33:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92648","tags":null,"has_narrative":true,"complaint_id":"11448257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T02:47:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, I have observed numerous unauthorized inquiries, <em>incorrect</em> addresses, phone numbers ( 12 I noticed ), and subprime lenders linked to my <em>reports</em>, which further indicate ongoing fraud i.e XXXX XXXX Clarity Experian, XXXX XXXX noticed on my latest Experian <em>report</em>, they added more alternate lenders including XXXX <em>payday</em> <em>loans</em> for {$250.00} each and none have dates, acct numbers and then the {$2900.00}, which I imagine is a huge XXXX XXXX XXXX, but it gave no further <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.56143,"11448257"]},{"_index":"complaint-public-v1","_id":"11447025","_score":12.416477,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally dispute several inaccuracies and fraudulent entries on my credit report related to identity theft and the XXXX XXXX data breach, which compromised my personal information. Despite filing disputes with the credit reporting agencies and notifying them of my status as a victim of identity theft, numerous derogatory items remain on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681bEB The following items on my credit report require immediate investigation and removal due to inaccuracies and lack of proper verification : XXXX. XXXX XXXX  Acct # XXXX ( Creditor : XXXX  XXXX ) Balance : {$430.00} Already removed from XXXX but remains on other reports. \n\nThis account is fraudulent and should be permanently removed from all reports. \n\nXXXX. XXXX XXXX ( Creditor : XXXX XXXX  ) Acct # XXXX Closed/paid but listed with incorrect dates and incomplete payment history. \n\nThis account is XXXX XXXX XXXX and should no longer appear, even if listed as charged off. \n\nXXXX. XXXX  XXXX XXXX ( Credit Card ) Partial Acct # XXXX Opened by creditor in XXXX during mail theft. \n\nI never received or used this card. This account is fraudulent. \n\nXXXX. XXXX XXXX ( Creditor : XXXX XXXX XXXX  ) P Acct # XXXX Balance : {$630.00} Opened XX/XX/XXXX, shortly after my driver 's license was stolen and reported on XX/XX/XXXX. \n\nI did not apply for this card, and the account was fraudulently opened. \n\nXXXX. XXXX XXXX XXXX ( Creditor : XXXX  XXXX ) Balance : {$610.00} Opened XX/XX/XXXX, with my credit under fraud alert and frozen at the time. \n\nThis account is fraudulent. \n\nXXXX. XXXX XXXX  acct # XXXX Balance : {$2900.00} This loan was also fraudulently opened, and its listing on TransUnion is inaccurate. \n\nAdditionally, I have observed numerous unauthorized inquiries, incorrect addresses, phone numbers ( XXXX I noticed ), and subprime lenders linked to my reports, which further indicate ongoing fraud i.e XXXX XXXX, XXXX  XXXX, XXXX XXXX.I noticed on my latest XXXX report, they added more alternate lenders including XXXX payday loans for {$250.00} each and none have dates, acct numbers and then the {$2900.00}, which I imagine is a huge APR Sub Prime, but it gave no further information. I never personally have ever taken out or saw these extra debts had I noticed this very small, almost hidden side bar. I clicked on this small notifications link with XXXX inquiries and XXXX loans total. Despite my efforts to freeze my credit and notify the bureaus, these errors remain unresolved. I also have recently on XX/XX/XXXX a auto loan from XXXX XXXX XXXX # XXXX. I contacted and let them know it was not me and to not pursue applicant as it was a fraudulent request. Also on XX/XX/XXXX another large APR personal Loan was requested in my name and I was alerted online. I check my credit almost daily and although things have dropped off, especially from XXXX debts removed and XXXX school loans paid off, yet my score was at XXXX in XX/XX/XXXX down to XXXX by XX/XX/XXXX? With no explanation. The site states each removed items was XXXX points, which, now it's a new year XXXX and nothing has changed. These items have put a strain on my life in in very extreme way and it's kept me from moving forward with my life and has kept me down, with very low mood and feeling hopeless no matter how hard I've worked to get these taken off, even with these extremely obvious reasons ( XXXX ) I got a small {$18.00} check a couple months ago, but since I originally filled out that form, sooo much more has happened My credit report explicitly notes that I am a victim of identity theft. It is unacceptable that unverified, fraudulent debts continue to damage my credit score and violate my rights under the FCRA. I respectfully request that the CFPB investigate my claims and ensure the immediate removal of these inaccurate items from my credit report. \n\nPlease let me know if any additional documentation is required. I have included my identity theft affidavit and a police record, which is a incident report where applicable. Thank you for your attention to this matter.","date_sent_to_company":"2025-01-10T03:33:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92648","tags":null,"has_narrative":true,"complaint_id":"11447025","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-10T03:33:55.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, I have observed numerous unauthorized inquiries, <em>incorrect</em> addresses, phone numbers ( XXXX I noticed ), and subprime lenders linked to my <em>reports</em>, which further indicate ongoing fraud i.e XXXX XXXX, XXXX  XXXX, XXXX XXXX.I noticed on my latest XXXX <em>report</em>, they added more alternate lenders including XXXX <em>payday</em> <em>loans</em> for {$250.00} each and none have dates, acct numbers and then the {$2900.00}, which I imagine is a huge APR Sub Prime, but it gave no further <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.416477,"11447025"]},{"_index":"complaint-public-v1","_id":"11447022","_score":12.203065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally dispute several inaccuracies and fraudulent entries on my credit report related to identity theft and the XXXX Equifax data breach, which compromised my personal information. Despite filing disputes with the credit reporting agencies and notifying them of my status as a victim of identity theft, numerous derogatory items remain on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681bEB The following items on my credit report require immediate investigation and removal due to inaccuracies and lack of proper verification : XXXX. Portfolio Recovery Acct # XXXX ( Creditor : XXXX  XXXX ) Balance : {$430.00} Already removed from Equifax but remains on other reports. \n\nThis account is fraudulent and should be permanently removed from all reports. \n\nXXXX. XXXX XXXX ( Creditor : XXXX XXXX  ) Acct # XXXX Closed/paid but listed with incorrect dates and incomplete payment history. \n\nThis account is XXXX XXXX XXXX and should no longer appear, even if listed as charged off. \n\nXXXX. XXXX  XXXX XXXX ( Credit Card ) Partial Acct # XXXX Opened by creditor in XXXX during mail theft. \n\nI never received or used this card. This account is fraudulent. \n\nXXXX. XXXX XXXX ( Creditor : XXXX XXXX XXXX  ) P Acct # XXXX Balance : {$630.00} Opened XX/XX/XXXX, shortly after my driver 's license was stolen and reported on XX/XX/XXXX. \n\nI did not apply for this card, and the account was fraudulently opened. \n\nXXXX. XXXX XXXX XXXX ( Creditor : XXXX  XXXX ) Balance : {$610.00} Opened XX/XX/XXXX, with my credit under fraud alert and frozen at the time. \n\nThis account is fraudulent. \n\nXXXX. XXXX Management acct # XXXX Balance : {$2900.00} This loan was also fraudulently opened, and its listing on XXXX is inaccurate. \n\nAdditionally, I have observed numerous unauthorized inquiries, incorrect addresses, phone numbers ( XXXX I noticed ), and subprime lenders linked to my reports, which further indicate ongoing fraud i.e XXXX XXXX XXXX XXXX, XXXX XXXXI noticed on my latest XXXX report, they added more alternate lenders including XXXX payday loans for {$250.00} each and none have dates, acct numbers and then the {$2900.00}, which I imagine is a huge APR Sub Prime, but it gave no further information. I never personally have ever taken out or saw these extra debts had I noticed this very small, almost hidden side bar. I clicked on this small notifications link with XXXX inquiries and XXXX loans total. Despite my efforts to freeze my credit and notify the bureaus, these errors remain unresolved. I also have recently on XX/XX/XXXX a auto loan from XXXX XXXX XXXX # XXXX. I contacted and let them know it was not me and to not pursue applicant as it was a fraudulent request. Also on XX/XX/XXXX another large XXXX personal XXXX was requested in my name and I was alerted online. I check my credit almost daily and although things have dropped off, especially from XXXX debts removed and XXXX school loans paid off, yet my score was at XXXX in XX/XX/XXXX down to XXXX by XX/XX/XXXX? With no explanation. The site states each removed items was XXXX points, which, now it's a new year XXXX and nothing has changed. These items have put a strain on my life in in very extreme way and it's kept me from moving forward with my life and has kept me down, with very low mood and feeling hopeless no matter how hard I've worked to get these taken off, even with these extremely obvious reasons ( Equifax ) I got a small {$18.00} check a couple months ago, but since I originally filled out that form, sooo much more has happened My credit report explicitly notes that I am a victim of identity theft. It is unacceptable that unverified, fraudulent debts continue to damage my credit score and violate my rights under the FCRA. I respectfully request that the CFPB investigate my claims and ensure the immediate removal of these inaccurate items from my credit report. \n\nPlease let me know if any additional documentation is required. I have included my identity theft affidavit and a police record, which is a incident report where applicable. Thank you for your attention to this matter.","date_sent_to_company":"2025-01-10T03:33:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92648","tags":null,"has_narrative":true,"complaint_id":"11447022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-10T03:33:55.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, I have observed numerous unauthorized inquiries, <em>incorrect</em> addresses, phone numbers ( XXXX I noticed ), and subprime lenders linked to my <em>reports</em>, which further indicate ongoing fraud i.e XXXX XXXX XXXX XXXX, XXXX XXXXI noticed on my latest XXXX <em>report</em>, they added more alternate lenders including XXXX <em>payday</em> <em>loans</em> for {$250.00} each and none have dates, acct numbers and then the {$2900.00}, which I imagine is a huge APR Sub Prime, but it gave no further <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["<em>Incorrect</em> <em>information</em> on <em>your</em> <em>report</em>"],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[12.203065,"11447022"]},{"_index":"complaint-public-v1","_id":"14831297","_score":7.16258,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern at the Consumer Financial Protection Bureau I am submitting this complaint due to multiple serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related federal laws by credit reporting agencies and furnishers who have reported inaccurate, outdated, and unverifiable information on my credit report these errors have severely harmed my financial stability and creditworthiness despite my efforts to resolve them the following is a detailed list of all disputed items with explanation and relevant law references XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This address is completely inaccurate and has never been associated with me in any capacity. \nLaw : FCRA Section 602 ( a ), 607 ( b ), and 609 ( c ) ( 2 ) Credit reports must contain only verifiable and accurate data.\n\nStory : I have never resided at or been linked to this address. I suspect this may be a result of identity confusion or misfiled data from a third party. The inclusion of this address on my credit report is causing confusion and may cause lenders to deny my applications based on false information. I have submitted utility bills, lease agreements, and government-issued identification proving my actual address. I respectfully demand immediate removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : False address reported without consent Law : FCRA Section 611 ( a ) ( 1 ) ( A ) Consumers have the right to dispute and correct errors Story : I have never been to this residence, nor used it in any documentation. This mistake may be hurting my financial reputation, especially in mortgage or auto loan applications. I respectfully request a full reinvestigation and deletion of this data immediately, as it is harming my credit profile unjustly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late payment being reported inaccurately Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 1681s-2 Furnishers must not report inaccurate or incomplete data Story : I enrolled in a self-credit builder account and ensured regular payments. I was informed my payments were on time. However, a late mark appeared which I was not notified of. This severely impacted my credit score during a period where I was actively seeking housing. I contacted the creditor but was met with vague responses. I request this be verified with full payment history and if unverified, it must be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} * * Issue : Charge-off reported but account was disputed and partially paid Law : FCRA Section 623 ( b ), FDCPA 807 ( 8 ) Debt collectors and furnishers can not misreport disputed debts Story : I had a dispute with this account due to unexpected fees and aggressive terms. I attempted to settle the account, and partial payment was made. However, they went ahead and charged off the full balance. This was done during a time of financial hardship when I had contacted them seeking accommodation. This reporting is unfair, misleading, and damaging to my credit score. I request this be removed or corrected with proof of resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off remains even though balance is zero Law : FCRA 1681i ( a ) ( 5 ), 623 ( a ) ( 2 ) Inaccurate and outdated information must be corrected or removed Story : I voluntarily surrendered the vehicle during a difficult financial period and cleared the balance through a settlement. Yet, the account continues to report as charged-off, which misrepresents the current status. This is misleading and severely affects my creditworthiness. I demand correction or removal of this derogatory entry immediately XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} * * Issue : Charge-off after voluntary surrender, no updated status Law : FCRA 623 ( a ) ( 1 ), 1681s-2 ( b ) Information must be complete and accurate Story : This account was settled after a voluntary surrender. I was transparent with the lender and returned the vehicle during COVID-related hardship. The lender failed to update the account accurately and is still showing the original charge-off. This gives the false impression that the debt is unresolved. I request the charge-off be removed or at least marked as \" Settled in Full '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} * * Issue : Charge-off still showing after zero balance Law : FCRA 1681c ( a ) ( 5 ), 623 ( a ) ( 2 ) ( A ) Data must be updated when it changes Story : This account has had a zero balance for years. Continuing to list it as a charge-off is deceptive and unfair. It reflects negatively on my credit profile even though the debt has been settled. I request immediate correction or removal of this derogatory information XXXX  Inquiry on XX/XX/XXXX Issue : Unrecognized hard pull Law : FCRA 604, 615 Permissible purpose must exist Story : I never applied for credit from this institution. No signed authorization exists, and I suspect this may be a result of pre-screening or misused data. This inquiry was not authorized by me and must be removed from my file I have suffered significant financial distress due to these errors including being denied housing and loans and experiencing emotional and psychological pressure from poor credit reporting I am requesting that the CFPB investigate each of these items and direct the credit bureaus and furnishers to correct or delete all inaccurate unverified or unauthorized data listed above I am also requesting that all supporting documents from each furnisher and bureau involved in these accounts inquiries and addresses be reviewed and provided to me as per my rights under the FCRA please ensure a full response within the 30-day investigation window as legally required thank you for your assistance in correcting these ongoing injustices XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Wrong Address Law : FCRA 609 ( c ) ( 2 ), 602 ( a ) All reported information must be accurate and verifiable.\n\nStory : I have never lived at this address. I have no ties to this residence, and it does not reflect any part of my life history. The presence of this incorrect address on my report has caused multiple disruptionsmy bank flagged my account for possible fraud due to inconsistencies, and I was required to submit extra identity documents to validate who I am. This incorrect reporting has also made it difficult to apply for a job, as an employer background check came back with mismatched address history. \nXXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Law : FCRA 610 ( a ), 611 ( a ) Furnishers must investigate and remove unverifiable information.\n\nStory : I have never lived at this address, rented a unit here, nor used this address for any purpose. Because of this inaccurate entry, my rental application for an apartment was denied. The leasing office stated that my residence history was inconsistent and appeared suspicious, leading to a denial that affected my living situation and forced me to pay extended hotel costs for temporary housing. \nXXXX XXXX XXXX XXXX, NC XXXX Issue : Wrong Address Law : FCRA 623 ( a ) ( 1 ) ( A ) Story : I have never lived in the state of North Carolina. I have never traveled to this location, rented here, nor had any contact in XXXX. This false address has triggered alerts on multiple platforms suggesting potential identity theft. I have received fraud alerts and lost access to my mobile payment app temporarily because it could not verify my address due to this wrong listing. \nXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$460.00} * * Issue : Charge-Off Law : FCRA 611 ( a ), FDCPA 807 ( 2 ) ( A ) Story : This account does not belong to me. I have contacted XXXX XXXX and they have no matching account on file with my personal information. Despite this, the charge-off is still reporting and harming my credit. I was denied a secured credit card and forced to rely on expensive payday loans for an emergency because this account drastically reduced my credit score. It is extremely unfair that I am being penalized for something I have nothing to do with. \nXXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$9300.00} * * Issue : Charge-Off Law : FCRA XXXX ( a ) ( 1 ), FDCPA 805 ( b ) Story : I never opened any account with XXXX. Ive contacted them directly, and they were unable to find my name, Social Security Number, or any other personal data associated with this loan. Yet, this massive debt continues to appear on my credit report. As a result, I have been denied financing for a vehicle I desperately needed to commute to work. I lost out on a job because I had no transportation, and this all stems from this false entry. \nXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} * * Issue : Charge-Off Law : FDCPA 807, FCRA 623 ( a ) ( 5 ) Story : This debt is not mine. I never had any dealings with XXXX XXXX XXXX. Ive asked for debt validation and was ignored. I believe this is a fraudulent account that was opened without my knowledge. It has caused major problems with trying to secure housing. A landlord informed me that the debt history created too high of a risk, and I was denied even though I provided proof of employment and sufficient income. I feel targeted and defamed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1600.00} * * Issue : Collection Law : FDCPA XXXX ( a ), FCRA XXXX ( a ) Story : Ive never received any collection notice or bill for this amount. I do not know what the debt is for or who is trying to collect it. I suspect identity theft or misreporting, yet it was placed on my report without any chance to verify or dispute. This has ruined my chance to consolidate my student loans, as the servicer flagged me as high-risk due to active collections. \nXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$51.00} * * Issue : Collection Law : FCRA 602 ( b ), FDCPA 807 ( 8 ) Story : Ive never had any account with this agency or debt associated with this collector. A {$51.00} debt may seem small, but its impact has been devastatingI was denied a secured credit card, lost access to BNPL ( Buy Now Pay Later ) services, and even had my utility company request a security deposit due to the existence of a reported collection on my file. This is not my debt and it must be removed. \nI demand that all erroneous and unverified information be permanently removed from my credit file without delay. Continued reporting of unsubstantiated items is not only reckless but unlawful under the Fair Credit Reporting Act. If the agency fails to take immediate action, I will pursue all available legal remedies. I also request a written summary confirming the resolution and deletion of the disputed data.","date_sent_to_company":"2025-07-23T21:16:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28278","tags":null,"has_narrative":true,"complaint_id":"14831297","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-23T21:14:23.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have contacted XXXX XXXX and they have no matching account on file with my <em>personal</em> <em>information</em>. Despite this, the charge-off is still <em>reporting</em> and harming my credit. I was denied a secured credit card and forced to rely on expensive <em>payday</em> <em>loans</em> for an emergency because this account drastically reduced my credit score. It is extremely unfair that I am being penalized for something I have nothing to do with."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Improper use of <em>your</em> <em>report</em>"],"sub_issue":["Reporting company used <em>your</em> <em>report</em> improperly"]},"sort":[7.16258,"14831297"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7}]}},"product":{"doc_count":7,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2}]}}]}},"issue":{"doc_count":7,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":4},{"key":"Account information incorrect","doc_count":1},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1}]}}]}},"timely":{"doc_count":7,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":7}]}},"company_response":{"doc_count":7,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with non-monetary relief","doc_count":4},{"key":"Closed with explanation","doc_count":3}]}},"submitted_via":{"doc_count":7,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":7}]}},"company":{"doc_count":7,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"EQUIFAX, INC.","doc_count":2},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"FactorTrust, Inc.","doc_count":1}]}},"state":{"doc_count":7,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":4},{"key":"DE","doc_count":1},{"key":"NC","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":7,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":4}]}},"tags":{"doc_count":7,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}