{"took":212,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":95,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4232269","_score":17.977528,"_source":{"product":"Debt collection","complaint_what_happened":"This company WILLIAMS and FUDGE has reported me to the credit bureaus falsely without first contacting me which is against the Fair Credit Reporting Act. \n\nThe Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. XX/XX/XXXX the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nThis should have also prevented this company from sending and false information to the credit bureau without first contacting me giving me a chance to dispute this information before providing this information to the credit bureau.","date_sent_to_company":"2021-03-25T19:56:11.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"28262","tags":"Servicemember","has_narrative":true,"complaint_id":"4232269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Williams & Fudge, Inc","date_received":"2021-03-20T09:15:35.000Z","state":"NC","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["XX/XX/XXXX the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements."]},"sort":[17.977528,"4232269"]},{"_index":"complaint-public-v1","_id":"6028084","_score":15.239282,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CREDITOR : XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX DUE TO BUREAUS NOT PROVIDING IT. \n\nNEGATIVE ITEM : 30 DAY LATE ( XX/XX/2020 ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/2020. \n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last XXXX, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.\n\nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires.\n\nFurnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. \nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nTherefore, these below disputed accounts must be deleted ....","date_sent_to_company":"2022-09-28T16:30:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78130","tags":"Servicemember","has_narrative":true,"complaint_id":"6028084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-28T16:20:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Last XXXX, on XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."]},"sort":[15.239282,"6028084"]},{"_index":"complaint-public-v1","_id":"6028337","_score":15.238157,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CREDITOR : XXXX XXXX XXXX, XXXX NO ;. XXXX. NEGATIVE ITEM : 30 DAY LATE ( XX/XX/XXXX ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/XXXX. IN ADDITION IT ERRONEOUSLY REPORTED LATE 30 DAYS THE FOLLOWING MONTH XX/XX/XXXX. \n\n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that XXXX XXXX  challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. Therefore, these below disputed accounts must be deleted ....","date_sent_to_company":"2022-09-28T16:38:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78130","tags":"Servicemember","has_narrative":true,"complaint_id":"6028337","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-28T16:38:05.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.238157,"6028337"]},{"_index":"complaint-public-v1","_id":"6028241","_score":15.235012,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CREDITOR : XXXX XXXX XXXX  ( ACCOUNT NUMBER UKNOWN DUE TO BUREAUS NOT PROVIDING IT. \n\nNEGATIVE ITEM : 30 DAY LATE ( XX/XX/2020 ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/2020. \n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the XXXX Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the XXXX pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by XXXX : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of XXXX. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. \nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 XXXX  Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. \nFurnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. \nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nTherefore, these below disputed accounts must be deleted ....","date_sent_to_company":"2022-09-28T16:30:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78130","tags":"Servicemember","has_narrative":true,"complaint_id":"6028241","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-28T16:30:24.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Last Friday, on XX/XX/XXXX, the President signed the XXXX Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements. \nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.235012,"6028241"]},{"_index":"complaint-public-v1","_id":"6028270","_score":15.227804,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CREDITOR : XXXX XXXX XXXX, ACCOOUNT NO ;. XXXX. NEGATIVE ITEM : 30 DAY LATE ( XX/XX/XXXX ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/XXXX. IN ADDITION IT ERRONEOUSLY REPORTED LATE 30 DAYS THE FOLLOWING MONTH XX/XX/XXXX. \n\n\nThis credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( XXXX ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. Therefore, these below disputed accounts must be deleted ....","date_sent_to_company":"2022-09-28T16:37:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78130","tags":"Servicemember","has_narrative":true,"complaint_id":"6028270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-28T16:31:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."]},"sort":[15.227804,"6028270"]},{"_index":"complaint-public-v1","_id":"5746071","_score":15.184913,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.\n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( XX/XX/XXXX) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. \nFurnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.\n\nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disp\nutes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.","date_sent_to_company":"2022-07-07T19:27:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"01880","tags":null,"has_narrative":true,"complaint_id":"5746071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-07-07T19:26:57.000Z","state":"MA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."]},"sort":[15.184913,"5746071"]},{"_index":"complaint-public-v1","_id":"5746058","_score":15.180262,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The XXXXday period may be extended to XXXX  days if the consumer provides additional information that is relevant to the investigation during the XXXX day period. \nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that XXXX XXXX challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, PubXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. \nFurnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. \nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.","date_sent_to_company":"2022-07-07T19:26:50.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"01880","tags":null,"has_narrative":true,"complaint_id":"5746058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-07T19:03:21.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[15.180262,"5746058"]},{"_index":"complaint-public-v1","_id":"5324427","_score":14.681976,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Experian XXXX XXXX XXXX XXXX XXXX Tx XXXX Re : Dispute of Violations of the CARES Act Legal Department, This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...\n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.\n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, at what price, and who obtains employment in many cases. Consumer reporting has an enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation.\n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \n\nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.\n\nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.\n\nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.\n\nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nTherefore, these below-disputed accounts must be deleted CREDITOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX Payment The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.\n\nCitations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all the above-listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2022-03-15T18:09:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19103","tags":"Servicemember","has_narrative":true,"complaint_id":"5324427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-15T17:58:59.000Z","state":"PA","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":["Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.\n\nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.681976,"5324427"]},{"_index":"complaint-public-v1","_id":"5326221","_score":14.678305,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Violations of the CARES Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, at what price, and who obtains employment in many cases. Consumer reporting has an enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \n\nThe BureaXXXX is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. \nBelow are examples of the flexibility the Bureau intends to provide in the consumer reporting system. \n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \n\nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. \nMany furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. \nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that pose challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, XXXX. XXXX XXXX. XXXX, XXXX ( XXXX ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the XXXXOVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. \n\nThe Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate disputes submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \nTherefore, this disputed account must be deleted CREDITOR ACCOUNT NUMBER Hyundai Motor Finance XXXX Late Payment on XX/XX/XXXX The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. \nCitations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all the above-listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all these accounts, public records items, and inquiries be permanently blocked and deleted. \nSincerely, XXXX XXXX","date_sent_to_company":"2022-03-15T17:51:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19103","tags":"Servicemember","has_narrative":true,"complaint_id":"5326221","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2022-03-15T17:35:24.000Z","state":"PA","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":["Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.678305,"5326221"]},{"_index":"complaint-public-v1","_id":"5282077","_score":14.575777,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:56:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5282077","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-03T16:54:21.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.575777,"5282077"]},{"_index":"complaint-public-v1","_id":"5282002","_score":14.566498,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX, has violated my rights. \n\n15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.\n\nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \n\nThe CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. \nCitations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:43:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5282002","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-03T16:43:07.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.566498,"5282002"]},{"_index":"complaint-public-v1","_id":"5281994","_score":14.565291,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. \n\n15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. \n\nStatement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. \n\nThe Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.\n\nFurnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. \nThe CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. \n\nDisputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. \nThe Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. \nrendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. \n\nThe CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. \nCitations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:43:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5281994","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-03T16:17:01.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, the XXXX signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. \n\nConsumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.565291,"5281994"]},{"_index":"complaint-public-v1","_id":"5282074","_score":14.561132,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In Accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason. Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( \" CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, \" if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current \" ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :","date_sent_to_company":"2022-03-03T16:50:41.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89129","tags":null,"has_narrative":true,"complaint_id":"5282074","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-03T16:46:44.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic <em>Security</em> Act ( \" <em>CARES</em> Act '' ), <em>which</em> <em>provides</em> <em>critical</em> emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is <em>critical</em> to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases."]},"sort":[14.561132,"5282074"]},{"_index":"complaint-public-v1","_id":"11763814","_score":14.558145,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address XXXX critical matters : 1. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, implemented by HUD to assist borrowers impacted by XXXX. During this period, I was approved for a partial claim, in which late payments were to be reported. These late payments were incorrectly reported and need to be removed promptly. \n\n2. Complaint Against Equifax I am also filing a complaint against Equifax for failing to properly investigate this disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours, stating the account is accurate without evidence of a thorough investigation.This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Additionally, Equifax 's actions may contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) .I urge the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. \n\nThe accounts in question are as follows : XXXX XXXX : XXXX XXXX Bank : XXXX Thank you for your attention to these matters. I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T13:28:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"11763814","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T13:15:57.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to address XXXX <em>critical</em> matters : 1. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the Coronavirus Aid, Relief, and Economic <em>Security</em> ( <em>CARES</em> ) Act, implemented by HUD to assist borrowers impacted by XXXX. During this period, I was approved for a partial claim, in <em>which</em> late payments were to be reported. These late payments were incorrectly reported and need to be removed promptly. \n\n2."]},"sort":[14.558145,"11763814"]},{"_index":"complaint-public-v1","_id":"9699418","_score":14.177327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I tried to get a copy of my credit report online, which I've never done before. ( I don't trust the security of putting my social security number and DOB out online as I'm a three time identify fraud victim. ) TransUnion 's process was horrible. I called five different numbers, went through all of these checks on the phone only to get hung up on five times!. At the sixth call the guy told me he couldn't help me and I had to \" create an account '' or write a letter. \n\nWhen I finally got a copy of my reoprt online, it only had half of the informaiotn that one gets when requesting XXXX  via mail. Thus, theri \" free '' reprots are useless. XXXX 's no information about hard hits on your accounts, paymetn history over the last 2 years or other critical inforamtion that consitutes a \" FULL '' credit reprot. Why dont ' you make them provide a full reprot online? \n\nIf they checked my authenticity via phone, why oculd n't they fix my errors via phone? What's the point of verifyign me and then sayign they can't help me?! I was also told I had to write two differnet letters andmail them to two different addresses for TransUnion- one address is to continue the fraud alert on my account and the other is to correct mistakes that the company made on my report. Why do I have to spend twice the postgage to fix THEIR mistakes? \nI've had nothign but incredible ineptness from all three credit bureaus over the last 20 years. Why are they allowed to operate with such disdain towards the consumer and make it my problem becuase they are inept and dont ' care?!","date_sent_to_company":"2024-08-03T17:08:12.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"138XX","tags":null,"has_narrative":true,"complaint_id":"9699418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-03T16:46:46.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I tried to get a copy of my credit report online, <em>which</em> I've never done before. ( I don't trust the <em>security</em> of putting my social <em>security</em> number and DOB out online as I'm a three time identify fraud victim. ) TransUnion 's process was horrible. I called five different numbers, went through all of these checks on the phone only to get hung up on five times!. At the sixth call the guy told me he couldn't help me and I had to \" create an account '' or write a letter."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.177327,"9699418"]},{"_index":"complaint-public-v1","_id":"11316419","_score":13.565837,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear CFPB, On XX/XX/2024 I deposited a check ( # XXXX ) in the mail from my PNC Personal Checking Account. The check was made out to the United States Treasury in the amount of {$XXXX}. The check as cashed for that amount on XX/XX/2024, and I assumed that everything was fine. I was first notified by the IRS that I still owed them the money on XX/XX/2024 by mail. I immediately contacted PNC bank and requested an image of the cashed check and received that 48 hours later. Upon opening the image I saw that the check had been altered and cashed by a XXXX  XXXX XXXX for the same amount I had made the check out to the IRS for. The check was not endorsed by anyone, and no personal identifying information is on the back of the check. This represents non-compliant bank procedures and the bank made critical errors that led to my funds not being protected as they are legally obligated to do as a regulated entity. I immediately contacted PNC Bank and reported the fraud and theft. They mailed me an affidavit, which I completed and had notarized and reported to them on XX/XX/2024 ( Reference # XXXX XXXX XXXXXXXX ). They received it on XX/XX/2024. On XX/XX/2024 they contacted me and informed me that my case had been denied and that the case was considered closed on their end, due to that fact that it was not reported within 30 days of the theft occurring, which they are claiming is their policy. \n\nI am specifically documenting when the IRS notification was received, as this represents the first reasonable opportunity I had to discover the fraud. This is important because under UCC 4-406 ( f ), the one-year period begins when the fraud was reasonably discoverable, not necessarily when it occurred.\n\nUnder UCC 4-406 ( e ), a bank 's failure to exercise ordinary care in paying an item shifts liability away from the customer. In this case, multiple required security measures for a high-value item appear to have been bypassed : 1. The check was processed without a valid endorsement XXXX. The {$23000.00} amount should have triggered enhanced security review under XXXX requirements XXXX. Electronic deposit of an altered check of this size should have required manual review and verification XXXX. No verification of deposit authority appears to have been performed '' Furthermore, as this check was stolen from the mail, I had no reasonable opportunity to detect this fraud before it occurred. Under UCC Article 4, time limitations for fraud reporting do not apply when : - The customer could not reasonably have detected the fraud - The bank failed to exercise ordinary care - Required security protocols were not followed '' I will be filing formal complaints with the police, XXXXXXXX XXXX XXXX, and the XXXX XXXX XXXX  I appreciate any assistance you are able to provide here. \n\nThanks, XXXX XXXX XXXX","date_sent_to_company":"2024-12-29T19:33:44.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"982XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11316419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-12-29T19:15:19.000Z","state":"WA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Under UCC Article 4, time limitations for fraud reporting do not apply when : - The customer could not reasonably have detected the fraud - The bank failed to exercise ordinary <em>care</em> - Required <em>security</em> protocols were not followed '' I will be filing formal complaints with the police, XXXXXXXX XXXX XXXX, and the XXXX XXXX XXXX  I appreciate any assistance you are able to <em>provide</em> here. \n\nThanks, XXXX XXXX XXXX"]},"sort":[13.565837,"11316419"]},{"_index":"complaint-public-v1","_id":"11764148","_score":13.54097,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address two critical matters : 1. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, implemented by HUD to assist borrowers impacted by COVID-19. During this period, I was approved for a partial claim, in which late payments were to be reported. To support this, I have copied of the lost income from the New Jersey Superior Court.The approved Loss Mitigation letter from Royal Pacific Mortgage.These late payments were incorrectly reported and need to be removed promptly. \n\n2. Complaint Against Transunion I am also filing a complaint against Transunion for failing to properly investigate this disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate without evidence of a thorough investigation.This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Additionally, Transunion 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) .I urge the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. \n\nThe accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to these matters. I look forward to a prompt resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T13:37:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07601","tags":null,"has_narrative":true,"complaint_id":"11764148","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-24T13:29:55.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to address two <em>critical</em> matters : 1. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the Coronavirus Aid, Relief, and Economic <em>Security</em> ( <em>CARES</em> ) Act, implemented by HUD to assist borrowers impacted by COVID-19. During this period, I was approved for a partial claim, in <em>which</em> late payments were to be reported."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.54097,"11764148"]},{"_index":"complaint-public-v1","_id":"10113309","_score":13.43689,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues.\n\n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.\n\nThis version expands on the legal framework, provides more legal references, and makes stronger arguments about why electronic access is essential for your situation. Let me know if youd like to adjust or add anything further!","date_sent_to_company":"2024-09-13T18:39:46.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10113309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T18:39:42.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, <em>which</em> is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer <em>Care</em>. I have contacted Equifax Customer <em>Care</em> numerous times, but they have failed to restore access to my account or <em>provide</em> my credit report electronically, as requested."]},"sort":[13.43689,"10113309"]},{"_index":"complaint-public-v1","_id":"10112858","_score":13.432191,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues.\n\n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.\n\nThis version expands on the legal framework, provides more legal references, and makes stronger arguments about why electronic access is essential for your situation. Let me know if youd like to adjust or add anything further!","date_sent_to_company":"2024-09-13T18:39:34.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10112858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T18:31:28.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, <em>which</em> is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer <em>Care</em>. I have contacted Equifax Customer <em>Care</em> numerous times, but they have failed to restore access to my account or <em>provide</em> my credit report electronically, as requested."]},"sort":[13.432191,"10112858"]},{"_index":"complaint-public-v1","_id":"10113431","_score":13.43021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. \n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section. \n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly. \n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase. \n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility. \n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences. \n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation. \n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals. \n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of XXXX, which exposed sensitive information of XXXX XXXX Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors. \n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions. \n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership. \n\nThis version expands on the legal framework, provides more legal references, and makes stronger arguments about why electronic access is essential for your situation. Let me know if youd like to adjust or add anything further!","date_sent_to_company":"2024-09-13T18:39:46.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10113431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T18:39:42.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, <em>which</em> is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer <em>Care</em>. I have contacted Equifax Customer <em>Care</em> numerous times, but they have failed to restore access to my account or <em>provide</em> my credit report electronically, as requested."]},"sort":[13.43021,"10113431"]},{"_index":"complaint-public-v1","_id":"21897043","_score":13.280867,"_source":{"product":"Prepaid card","complaint_what_happened":"1. Unauthorized Account Action and Violation of Explicit Instruction On XXXX XXXX XX/XX/year>, I contacted customer service with the specific intent of a temporary security \" lock '' due to a misplaced card. I explicitly and repeatedly instructed the agent not to report the card as \" Lost or Stolen '' or to \" Block '' the account, as I anticipated locating the property shortly. Despite my clear, verbal directive, the agent overrode my sovereign intent and placed a Hard Flag/Security Freeze on the account. This action was taken without my consent and in direct opposition to my instructions, constituting an unauthorized restriction of access to government-disbursed funds. \n2. Failure of Multi-Channel Synchronization Although I have successfully authenticated my identity via the secure online portalwhich indicates the card status as \" Active '' XXXX  back-end \" Flag '' is preventing ACH transfers and fund mobility. This represents a critical failure of system synchronization. My ability to pass multi-factor authentication and portal validation should, by banking standards, override any \" misplaced '' status. The bank is currently impeding the flow of funds despite successful Tier-1 and Tier-2 identity verification.\n\n3. Operational Incompetence and Lack of \" Duty of Care '' Since this unauthorized block was placed, I have been subjected to a \" dizzying '' and \" infuriating '' cycle of systemic failures, including : Inconsistent Regulatory Guidance : Every agent provides conflicting information regarding the status of the account, demonstrating a lack of standardized training and a violation of \" Truth in Savings '' communication standards. \nIntentional Disconnections : I have experienced consistent hold times of XXXX minutes followed by \" dead-air '' disconnects or improper routing. This suggests a failure in the bank 's Telephony and Interactive Voice Response ( IVR ) systems, which effectively acts as a denial-of-service to the consumer. \nProfessional Negligence : Agents have been dismissive, unprofessional, and have failed to document or escalate formal complaints, opting for \" empty apologies '' rather than filing a Systemic Issue Report. \n4. Required Resolution & Sanctions","date_sent_to_company":"2026-05-05T16:53:12.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"47408","tags":null,"has_narrative":true,"complaint_id":"21897043","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Conduent Incorporated","date_received":"2026-05-05T16:31:34.000Z","state":"IN","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Operational Incompetence and Lack of \" Duty of <em>Care</em> '' Since this unauthorized block was placed, I have been subjected to a \" dizzying '' and \" infuriating '' cycle of systemic failures, including : Inconsistent Regulatory Guidance : Every agent <em>provides</em> conflicting information regarding the status of the account, demonstrating a lack of standardized training and a violation of \" Truth in Savings '' communication standards."]},"sort":[13.280867,"21897043"]},{"_index":"complaint-public-v1","_id":"10128942","_score":13.19521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax XXXX XXXX of XXXX, which exposed sensitive information of XXXX XXXX Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T23:38:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10128942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T23:03:56.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, <em>which</em> is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer <em>Care</em>. I have contacted Equifax Customer <em>Care</em> numerous times, but they have failed to restore access to my account or <em>provide</em> my credit report electronically, as requested."]},"sort":[13.19521,"10128942"]},{"_index":"complaint-public-v1","_id":"10128921","_score":13.19521,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the Issue : I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues.\n\n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T20:17:52.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10128921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T20:17:49.000Z","state":"PR","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> freezes affirm the need for secure handling of consumer data to prevent identity theft, <em>which</em> online access better supports through encryption and secure portals.\n\n3."]},"sort":[13.19521,"10128921"]},{"_index":"complaint-public-v1","_id":"10129109","_score":13.188813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the Issue : I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. \n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly. \n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase. \n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility. \n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data. \n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions. \n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T20:17:52.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10129109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T20:17:49.000Z","state":"PR","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> freezes affirm the need for secure handling of consumer data to prevent identity theft, <em>which</em> online access better supports through encryption and secure portals.\n\n3."]},"sort":[13.188813,"10129109"]},{"_index":"complaint-public-v1","_id":"10129163","_score":13.184769,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the Issue : I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. \n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section. \n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly. \n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase. \n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility. \n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation. \n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data. \n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of XXXX which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \nXXXX. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors. \n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions. \n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T20:17:40.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10129163","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T19:34:38.000Z","state":"PR","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> freezes affirm the need for secure handling of consumer data to prevent identity theft, <em>which</em> online access better supports through encryption and secure portals.\n\n3."]},"sort":[13.184769,"10129163"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":95,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":95}]}},"product":{"doc_count":95,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":44,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":43},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Checking or savings account","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":13},{"key":"CD (Certificate of Deposit)","doc_count":1},{"key":"Other banking product or service","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":15}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":3},{"key":"Auto debt","doc_count":1},{"key":"Credit card debt","doc_count":1},{"key":"Mortgage debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":2},{"key":"Mobile or digital wallet","doc_count":2},{"key":"Virtual currency","doc_count":1}]}},{"key":"Mortgage","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":2},{"key":"VA mortgage","doc_count":1}]}},{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":3}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Government benefit card","doc_count":1}]}},{"key":"Vehicle loan or 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