{"took":183,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1171,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6892542","_score":21.318762,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with TransUnion for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. \nDespite following all the required steps outlined in your laws 15 USC 1681 C-2, TransUnion has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. \nOn XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to TransUnion, and they proceeded to open an investigation when they were supposed to block the information after four days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft.\n\nAbsolutely nothing in the CFPB laws speaks on an investigation regarding an alleged identity theft. Your laws specifically state that after four days of receipt of the notice of the alleged identity theft, the information must be blocked. These are your words, these are in your laws, and I have fulfilled all my obligations and given all the required documents. Yet, TransUnion seems to think they are above the law and will not honor what is in the law. I am seeking remedy from TransUnion for their continuous violation of your laws by blocking and deleting the reporting of the alleged identity theft. \nTransUnion 's behavior is unacceptable and indicates they feel they are above the law. This is evident despite the various lawsuits against them for identity theft. These include the following cases : In XXXX, TransUnion was involved in the \" In re TransUnion Privacy Litigation '' class-action lawsuit involving an identity theft breach. The settlement agreement was reached on XX/XX/XXXX. \nThese credit bureaus have willfully and negligently failed to comply with the FCRA, as evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that TransUnion believes they are above the law and continue to violate my rights. As the gatekeeper, it is your responsibility to hold these consumer agencies accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that TransUnion be held accountable for their continued violations. \nI demand that the CFPB takes immediate action and holds TransUnion accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against TransUnion and the CFPB. \nIt is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over the consumer reporting agencies would be a willful and negligent violation of the FCRA. Such a failure will result in additional liability on your part, and you will be added to the ongoing litigation process without further notice. Therefore, I demand that you take immediate action to ensure compliance with the FCRA, and to protect my rights as a consumer. \nI urge you to take swift action and ensure that TransUnion is held accountable for their actions. Thank you for your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-04-27T01:44:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"6892542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-27T01:07:29.000Z","state":"NC","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":["Therefore, I demand that you <em>take</em> immediate <em>action</em> to ensure compliance with the FCRA, and to <em>protect</em> my rights as a consumer. \nI urge you to <em>take</em> swift <em>action</em> and ensure that TransUnion is held accountable for their <em>actions</em>. Thank you for <em>your</em> prompt attention to this matter. \nSincerely, XXXX XXXX"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[21.318762,"6892542"]},{"_index":"complaint-public-v1","_id":"6892543","_score":21.227478,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with Equifax for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. \n\nDespite following all the required steps outlined in your laws 15 USC 1681 C-2, Equifax has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. \n\nOn XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to the major consumer reporting agencies, including Equifax, and they proceeded to open an investigation when they were supposed to block the information after four days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft. \n\nAbsolutely nothing in the CFPB laws speaks on an investigation regarding an alleged identity theft. Your laws specifically state that after four days of receipt of the notice of the alleged identity theft, the information must be blocked. These are your words, these are in your laws, and I have fulfilled all my obligations and given all the required documents. Yet, Equifax seems to think they are above the law and will not honor what is in the law. I am seeking remedy from Equifax for their continuous violation of your laws by blocking and deleting the reporting of the alleged identity theft. \n\nEquifax 's behavior is unacceptable and indicates they feel they are above the law. This is evident despite the various lawsuits against them for identity theft, including the class-action lawsuit in XXXX as part of \" In re Equifax Inc . Customer Data Security Breach Litigation ''. The settlement agreement was reached in XX/XX/XXXX. \n\nThis credit bureau has willfully and negligently failed to comply with the FCRA, as evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that Equifax believes they are above the law and continue to violate my rights. As the gatekeeper, it is your responsibility to hold this consumer agency accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that Equifax be held accountable for their continued violations. \n\nI demand that the CFPB takes immediate action and holds this consumer reporting agency accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against the credit bureau and the CFPB. \n\nIt is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over the consumer reporting agency would be a willful and negligent violation of the FCRA. Such a failure will result in additional liability on your part, and you will be added to the ongoing litigation process without further notice. Therefore, I demand that you take immediate action to ensure compliance with the FCRA, and to protect my rights as a consumer. \n\nI urge you to take swift action and ensure that this credit bureau is held accountable for their actions. Thank you for your prompt attention to this matter.","date_sent_to_company":"2023-04-27T01:50:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"6892543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-27T01:45:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Therefore, I demand that you <em>take</em> immediate <em>action</em> to ensure compliance with the FCRA, and to <em>protect</em> my rights as a consumer. \n\nI urge you to <em>take</em> swift <em>action</em> and ensure that this credit bureau is held accountable for their <em>actions</em>. Thank you for <em>your</em> prompt attention to this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[21.227478,"6892543"]},{"_index":"complaint-public-v1","_id":"7780654","_score":20.736616,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"am writing to file a formal complaint against Equifax, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). \n\nIn XXXX, I submitted a formal request to XXXX to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, XXXX has failed to take the necessary actions within the specified timeframe. \n\nThis delay in action from XXXX has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact XXXX to expedite this process, but to no avail. \n\nI am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that XXXX complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of XXXX. \n\nEnclosed with this letter are copies of all relevant correspondence, including the initial request made to XXXX, as well as any additional documentation deemed necessary to support this complaint. \n\nI kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by XXXX. Your prompt attention to this issue is greatly appreciated.","date_sent_to_company":"2023-10-31T06:28:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"7780654","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-10-31T06:24:18.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["am writing to file a formal complaint <em>against</em> Equifax, a consumer credit reporting agency, for their failure to comply with the request to block all items related to <em>identity</em> <em>theft</em> under section 605B of the Fair Credit Reporting Act ( FCRA ). \n\nIn XXXX, I submitted a formal request to XXXX to block all items pertaining to <em>identity</em> <em>theft</em> within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of <em>identity</em> <em>theft</em> that have affected my credit report."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.736616,"7780654"]},{"_index":"complaint-public-v1","_id":"7780918","_score":20.660551,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to file a formal complaint against XXXX, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). \n\nIn XXXX, I submitted a formal request to XXXX to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, XXXX has failed to take the necessary actions within the specified timeframe. \n\nThis delay in action from XXXX has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact XXXX to expedite this process, but to no avail. \n\nI am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that XXXX complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of XXXX. \n\nEnclosed with this letter are copies of all relevant correspondence, including the initial request made to XXXX, as well as any additional documentation deemed necessary to support this complaint. \n\nI kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by XXXX. Your prompt attention to this issue is greatly appreciated. \n\n\nThank you for your attention to this matter.","date_sent_to_company":"2023-10-31T05:10:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"7780918","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-10-31T05:06:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This was in response to incidents of <em>identity</em> <em>theft</em> that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, XXXX has failed to <em>take</em> the necessary <em>actions</em> within the specified timeframe. \n\nThis delay in <em>action</em> from XXXX has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the <em>identity</em> <em>theft</em>."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.660551,"7780918"]},{"_index":"complaint-public-v1","_id":"7882124","_score":20.299797,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX and XXXX for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. XXXX has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.","date_sent_to_company":"2023-11-21T05:47:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30040","tags":null,"has_narrative":true,"complaint_id":"7882124","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-11-21T05:47:46.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request that the CPFB thoroughly investigate this matter and <em>take</em> appropriate <em>action</em> <em>against</em> both entities. I trust that justice will be served and my rights as a consumer will be <em>protected</em>. Thank you for <em>your</em> attention to this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.299797,"7882124"]},{"_index":"complaint-public-v1","_id":"7882127","_score":20.279507,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX and XXXX for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. XXXX has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.","date_sent_to_company":"2023-11-21T05:47:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30040","tags":null,"has_narrative":true,"complaint_id":"7882127","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-21T05:47:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request that the CPFB thoroughly investigate this matter and <em>take</em> appropriate <em>action</em> <em>against</em> both entities. I trust that justice will be served and my rights as a consumer will be <em>protected</em>. Thank you for <em>your</em> attention to this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.279507,"7882127"]},{"_index":"complaint-public-v1","_id":"7881809","_score":20.279507,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against XXXX and TransUnion for multiple violations of consumer protection laws. XXXX has engaged in fraudulent practices and mishandling of my case, violating the Identity Theft and Assumption Deterrence Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act. TransUnion has also failed to follow their own guidelines, resulting in inaccurate credit reporting. I request that the CPFB thoroughly investigate this matter and take appropriate action against both entities. I trust that justice will be served and my rights as a consumer will be protected. Thank you for your attention to this matter.","date_sent_to_company":"2023-11-21T05:47:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30040","tags":null,"has_narrative":true,"complaint_id":"7881809","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-21T05:42:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I request that the CPFB thoroughly investigate this matter and <em>take</em> appropriate <em>action</em> <em>against</em> both entities. I trust that justice will be served and my rights as a consumer will be <em>protected</em>. Thank you for <em>your</em> attention to this matter."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.279507,"7881809"]},{"_index":"complaint-public-v1","_id":"7780873","_score":20.268385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian, a consumer credit reporting agency, for their failure to comply with the request to block all items related to identity theft under section 605B of the Fair Credit Reporting Act ( FCRA ). \n\nOn [ Date ], I submitted a formal request to Experian to block all items pertaining to identity theft within four business days as stipulated under section 605B of the FCRA. This was in response to incidents of identity theft that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, Experian has failed to take the necessary actions within the specified timeframe.\n\nThis delay in action from Experian has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the identity theft. I have made multiple attempts to contact Experian to expedite this process, but to no avail.\n\nI am seeking the intervention of the Consumer Financial Protection Bureau to address this matter promptly and ensure that Experian complies with the legal obligations set forth in the FCRA. I urge your office to investigate this non-compliance and take the necessary actions to enforce the provisions of the FCRA, thereby protecting consumer rights and preventing further harm due to the negligence of Experian. \n\nEnclosed with this letter are copies of all relevant correspondence, including the initial request made to Experian, as well as any additional documentation deemed necessary to support this complaint. \n\nI kindly request that the Consumer Financial Protection Bureau take swift action in investigating this matter and take the appropriate steps to rectify the non-compliance exhibited by Experian. Your prompt attention to this issue is greatly appreciated.","date_sent_to_company":"2023-10-31T05:03:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20852","tags":null,"has_narrative":true,"complaint_id":"7780873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-31T04:59:56.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This was in response to incidents of <em>identity</em> <em>theft</em> that have affected my credit report. However, despite the legal obligation and the time-sensitive nature of the request, Experian has failed to <em>take</em> the necessary <em>actions</em> within the specified timeframe.\n\nThis delay in <em>action</em> from Experian has placed me in a precarious position, exposing me to potential financial risks and further damage due to the unresolved issues related to the <em>identity</em> <em>theft</em>."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.268385,"7780873"]},{"_index":"complaint-public-v1","_id":"6961808","_score":20.155155,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration with Experian for their blatant disregard of the law and their continued inaccurate reporting of an alleged identity theft account on my consumer report. \n\nDespite following all the required steps outlined in your laws 15 USC 1681 C-2, Experian has failed to block the information related to the alleged identity theft account. This is preventing me and my household from accessing credit and causing severe damage to my reputation and character. This is unacceptable and can not be tolerated. \n\nOn XX/XX/XXXX, I notified the creditor of the identity theft pursuant 15 USC 1681 S-2 ( 6 ) ( a ). I also sent notice to Experian, and they were supposed to block the information after XXXX days of notice. I provided them with an FTC identity theft report proving that the account came from identity theft. \n\nConsumer Law 15 USC 1681e ( b ) states that consumer reporting agencies have an obligation to maintain accuracy. Experian 's behavior is unacceptable and indicates they feel they are above the law. If the CFPB does not take action against them, they will also be liable for willful and negligent noncompliance with the FCRA. \n\nExperian 's willful and negligent failure to comply with the FCRA is evidenced by their failure to block the alleged identity theft account on my consumer report. It is outrageous that Experian believes they are above the law and continue to violate my rights. \n\nThese credit bureaus have faced lawsuits for identity theft, including the following cases : The XXXX XXXX XXXX v. XXXX XXXX and Experian - Lawsuit filed in the XXXX XXXX XXXX  In XXXX, Experian faced a class-action lawsuit for allegedly selling consumer data to identity thieves. \nAs the gatekeeper, it is your responsibility to hold these consumer agencies accountable and ensure they are abiding by the law. I am demanding that the identity theft account be immediately blocked and deleted from my consumer report and that Experian be held accountable for their continued violations. \n\nI demand that the CFPB takes immediate action and holds Experian accountable for their negligence and willful violation of the FCRA. It is your duty as the governing body to ensure that they are abiding by the law and that my rights are being protected. Failure to comply with my demands will result in legal action being taken against Experian and the CFPB. \n\nIt is imperative that you understand the gravity of the situation. Failure on the part of the CFPB to exercise its authority over Experian would be a willful and negligent violation, and they will be held accountable. Thank you for your prompt attention to this matter.","date_sent_to_company":"2023-05-10T16:22:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"283XX","tags":null,"has_narrative":true,"complaint_id":"6961808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-10T16:01:51.000Z","state":"NC","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":["I am demanding that the <em>identity</em> <em>theft</em> account be immediately blocked and deleted from my consumer report and that Experian be held accountable for their continued violations. \n\nI demand that the CFPB <em>takes</em> immediate <em>action</em> and holds Experian accountable for their negligence and willful violation of the FCRA. It is <em>your</em> duty as the governing body to ensure that they are abiding by the law and that my rights are being <em>protected</em>."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.155155,"6961808"]},{"_index":"complaint-public-v1","_id":"7138894","_score":20.125628,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. \n\nI want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. \n\nI expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.","date_sent_to_company":"2023-06-19T13:31:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"7138894","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-19T13:24:58.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I want to emphasize that I am a victim of <em>identity</em> <em>theft</em>, and <em>your</em> organization may be held criminally and civilly liable for its <em>actions</em>. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal <em>action</em> <em>against</em> <em>your</em> company. \n\nI expect immediate attention to this matter and a swift resolution."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.125628,"7138894"]},{"_index":"complaint-public-v1","_id":"7138786","_score":20.125628,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable.\n\nI want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. \n\nI expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.","date_sent_to_company":"2023-06-19T13:44:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"7138786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2023-06-19T13:42:16.000Z","state":"IL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I want to emphasize that I am a victim of <em>identity</em> <em>theft</em>, and <em>your</em> organization may be held criminally and civilly liable for its <em>actions</em>. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal <em>action</em> <em>against</em> <em>your</em> company. \n\nI expect immediate attention to this matter and a swift resolution."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.125628,"7138786"]},{"_index":"complaint-public-v1","_id":"7138884","_score":20.106974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. \n\nI want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. \n\nI expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.","date_sent_to_company":"2023-06-19T13:31:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"7138884","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-19T13:31:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I want to emphasize that I am a victim of <em>identity</em> <em>theft</em>, and <em>your</em> organization may be held criminally and civilly liable for its <em>actions</em>. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal <em>action</em> <em>against</em> <em>your</em> company. \n\nI expect immediate attention to this matter and a swift resolution."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.106974,"7138884"]},{"_index":"complaint-public-v1","_id":"7138353","_score":20.106974,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. \n\nI want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. \n\nI expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.","date_sent_to_company":"2023-06-19T13:41:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"7138353","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-06-19T13:37:55.000Z","state":"IL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I want to emphasize that I am a victim of <em>identity</em> <em>theft</em>, and <em>your</em> organization may be held criminally and civilly liable for its <em>actions</em>. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal <em>action</em> <em>against</em> <em>your</em> company. \n\nI expect immediate attention to this matter and a swift resolution."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.106974,"7138353"]},{"_index":"complaint-public-v1","_id":"7137348","_score":20.106955,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable.\n\nI want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. \n\nI expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.","date_sent_to_company":"2023-06-19T13:31:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"608XX","tags":null,"has_narrative":true,"complaint_id":"7137348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-19T13:31:37.000Z","state":"IL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I want to emphasize that I am a victim of <em>identity</em> <em>theft</em>, and <em>your</em> organization may be held criminally and civilly liable for its <em>actions</em>. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal <em>action</em> <em>against</em> <em>your</em> company. \n\nI expect immediate attention to this matter and a swift resolution."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[20.106955,"7137348"]},{"_index":"complaint-public-v1","_id":"8893588","_score":19.93457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to file a formal complaint against Bank of America regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : Bank of America account number appearing as \" XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. \n\nDespite my efforts to resolve this matter directly with Bank of America, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. \n\nI request that Bank of America conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that Bank of America provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-05-01T01:01:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"8893588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-05-01T00:44:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I also have attached my government issued ID and a utility bill for proof of <em>identity</em> and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to <em>protect</em> victims of <em>identity</em> <em>theft</em>. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections <em>against</em> creditors and requires swift <em>action</em> to rectify fraudulent accounts."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.93457,"8893588"]},{"_index":"complaint-public-v1","_id":"8893540","_score":19.93457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX XXXX account number appearing as \" XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the XXXX XXXX XXXX XXXX, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. \n\nDespite my efforts to resolve this matter directly with XXXX XXXX XXXXXXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. \n\nI request that XXXX XXXX XXXXXXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXX  XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-05-01T01:01:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"8893540","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-01T01:01:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I also have attached my government issued ID and a utility bill for proof of <em>identity</em> and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to <em>protect</em> victims of <em>identity</em> <em>theft</em>. Texas state law, under the XXXX XXXX XXXX XXXX, provides consumers with strong protections <em>against</em> creditors and requires swift <em>action</em> to rectify fraudulent accounts."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.93457,"8893540"]},{"_index":"complaint-public-v1","_id":"8893531","_score":19.92239,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to file a formal complaint against XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX account number appearing as \" XXXX '' for {$540.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. \n\nDespite my efforts to resolve this matter directly with XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. \n\nI request that XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXXXXXX XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-05-01T01:08:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"8893531","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-01T01:08:34.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I also have attached my government issued ID and a utility bill for proof of <em>identity</em> and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to <em>protect</em> victims of <em>identity</em> <em>theft</em>. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections <em>against</em> creditors and requires swift <em>action</em> to rectify fraudulent accounts."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.92239,"8893531"]},{"_index":"complaint-public-v1","_id":"8893548","_score":19.915926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to file a formal complaint against XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX XXXX account number appearing as \" XXXX '' for {$540.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the XXXX XXXX XXXX XXXX, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. \n\nDespite my efforts to resolve this matter directly with XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. \n\nI request that XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX XXXX XXXXXXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-05-01T01:08:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"8893548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-01T01:02:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I also have attached my government issued ID and a utility bill for proof of <em>identity</em> and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to <em>protect</em> victims of <em>identity</em> <em>theft</em>. Texas state law, under the XXXX XXXX XXXX XXXX, provides consumers with strong protections <em>against</em> creditors and requires swift <em>action</em> to rectify fraudulent accounts."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.915926,"8893548"]},{"_index":"complaint-public-v1","_id":"8893666","_score":19.911482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it may concern, I am writing to file a formal complaint against XXXX  XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX  XXXX XXXX account number appearing as \" XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. \n\nDespite my efforts to resolve this matter directly with XXXX  XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. \n\nI request that XXXX  XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX  XXXX XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. \n\nI appreciate your attention to this matter and look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-05-01T01:01:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75039","tags":null,"has_narrative":true,"complaint_id":"8893666","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-05-01T01:01:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I also have attached my government issued ID and a utility bill for proof of <em>identity</em> and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to <em>protect</em> victims of <em>identity</em> <em>theft</em>. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections <em>against</em> creditors and requires swift <em>action</em> to rectify fraudulent accounts."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.911482,"8893666"]},{"_index":"complaint-public-v1","_id":"7301981","_score":19.906683,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.As an informed consumer, I am fully aware of my protected rights. Therefore, I strongly urge you to promptly remove and block the fraudulent, inaccurate, and misleading items that have been erroneously included in my customer reports. Failure to take immediate action in rectifying this matter will leave me with no alternative but to pursue legal recourse against your organization.","date_sent_to_company":"2023-07-25T20:23:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"7301981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-25T20:23:00.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Failure to <em>take</em> immediate <em>action</em> in rectifying this matter will leave me with no alternative but to pursue legal recourse <em>against</em> <em>your</em> organization."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.906683,"7301981"]},{"_index":"complaint-public-v1","_id":"7301570","_score":19.906683,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.As an informed consumer, I am fully aware of my protected rights. Therefore, I strongly urge you to promptly remove and block the fraudulent, inaccurate, and misleading items that have been erroneously included in my customer reports. Failure to take immediate action in rectifying this matter will leave me with no alternative but to pursue legal recourse against your organization.","date_sent_to_company":"2023-07-25T20:22:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"7301570","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-25T20:04:10.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Failure to <em>take</em> immediate <em>action</em> in rectifying this matter will leave me with no alternative but to pursue legal recourse <em>against</em> <em>your</em> organization."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.906683,"7301570"]},{"_index":"complaint-public-v1","_id":"9246348","_score":19.905317,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to report a case of identity theft involving Navy Federal Credit Union. Recently, I discovered that my identity was stolen and provided to a repossession company by Navy Federal Credit Union. This action has caused significant distress and financial harm to me.\n\nI believe that Navy Federal Credit Union has fa\niled to adequately protect my personal information, leading to the unauthorized disclosure of my identity to a third party. This constitutes a serious breach of trust and a violation of my privacy rights. 15 U.S. CODE 6802 I urge the CFPB to investigate this matter thoroughly and take appropriate action against Navy Federal Credit Union for their role in this identity theft incident. I am seeking assistance in rectifying the damages caused by this breach and ensuring that my personal information is secure in the future.\n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-06-12T16:34:39.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"33319","tags":null,"has_narrative":true,"complaint_id":"9246348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-12T15:56:40.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["CODE 6802 I urge the CFPB to investigate this matter thoroughly and <em>take</em> appropriate <em>action</em> <em>against</em> Navy Federal Credit Union for their role in this <em>identity</em> <em>theft</em> incident. I am seeking assistance in rectifying the damages caused by this breach and ensuring that my personal information is secure in the future.\n\nThank you for <em>your</em> attention to this matter. \n\nSincerely, XXXX XXXX"]},"sort":[19.905317,"9246348"]},{"_index":"complaint-public-v1","_id":"12587308","_score":19.869267,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Intention to Pursue Legal Action Dear OppLoan aexecutive office and XXXX I hope this message finds you well. I am writing to formally notify you of my intention to file a lawsuit against both of your organizations due to violations of my clients rights stemming from identity theft. \n\nMy client has been a victim of identity theft, and as such, both OppLoan and XXXX have failed to uphold the legal obligations set forth under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, your companies have not taken the necessary actions to investigate and rectify the fraudulent account that has negatively impacted my client 's credit report. \n\nIf the erroneous account is not removed from my client 's record promptly, I will not hesitate to escalate this matter further. I will be reaching out to the Consumer Financial Protection Bureau ( CFPB ) to review the actions taken by your organizations, alongside a police report that has been filed under number # XXXX, which documents the identity theft incident. \n\nI strongly urge you to take this matter seriously and act swiftly to resolve this issue. Failure to do so will result in further legal action to protect my client 's rights. \n\nThank you for your immediate attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2025-03-20T22:46:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33467","tags":null,"has_narrative":true,"complaint_id":"12587308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Opportunity Financial, LLC","date_received":"2025-03-20T22:27:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Subject : Intention to Pursue Legal <em>Action</em> Dear OppLoan aexecutive office and XXXX I hope this message finds you well. I am writing to formally notify you of my intention to file a lawsuit <em>against</em> both of <em>your</em> organizations due to violations of my clients rights stemming from <em>identity</em> <em>theft</em>."],"sub_issue":["Debt was result of <em>identity</em> <em>theft</em>"]},"sort":[19.869267,"12587308"]},{"_index":"complaint-public-v1","_id":"16005257","_score":19.77889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile.\n\nAs a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness.\n\nI urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. \n\nI appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report.","date_sent_to_company":"2025-09-17T12:04:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14213","tags":"Servicemember","has_narrative":true,"complaint_id":"16005257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-17T12:04:29.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It is imperative that you <em>take</em> immediate <em>action</em> to rectify this situation and prevent any further harm to my creditworthiness.\n\nI urge you to thoroughly investigate the information provided and <em>take</em> the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal <em>action</em> <em>against</em> <em>your</em> organizations. \n\nI appreciate <em>your</em> prompt attention to this matter and expect a swift resolution."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.77889,"16005257"]},{"_index":"complaint-public-v1","_id":"16005258","_score":19.775642,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile.\n\nAs a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness.\n\nI urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. \n\nI appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report.","date_sent_to_company":"2025-09-17T12:04:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"14213","tags":"Servicemember","has_narrative":true,"complaint_id":"16005258","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-17T12:04:29.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It is imperative that you <em>take</em> immediate <em>action</em> to rectify this situation and prevent any further harm to my creditworthiness.\n\nI urge you to thoroughly investigate the information provided and <em>take</em> the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal <em>action</em> <em>against</em> <em>your</em> organizations. \n\nI appreciate <em>your</em> prompt attention to this matter and expect a swift resolution."],"issue":["Incorrect information on <em>your</em> report"]},"sort":[19.775642,"16005258"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1171,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1171}]}},"product":{"doc_count":1171,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":739,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":731},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Debt 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