{"took":127,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5608,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13951278","_score":19.552605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested information about XXXX XXXX a account fraudulently opened in my name and ask for information about the reinvestigation procedure under law 15 U.S.C. 6801 ( Protection of Nonpublic Personal Information ) : This section addresses the privacy and security of customer records and information held by financial institutions. \nIt establishes a policy that financial institutions have an obligation to respect customer privacy and protect the security of their nonpublic personal information. \nIt requires financial institutions to implement administrative, technical, and physical safeguards to ensure the security and confidentiality of customer record","date_sent_to_company":"2025-06-07T14:09:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"452XX","tags":null,"has_narrative":true,"complaint_id":"13951278","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-06-07T14:09:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["It requires financial institutions to implement administrative, technical, and physical safeguards to ensure the security and confidentiality of customer record"],"issue":["Incorrect information on your report"],"sub_issue":["Information belongs to someone else"]},"sort":[19.552605,"13951278"]},{"_index":"complaint-public-v1","_id":"7400226","_score":19.30606,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These accounts just popped up one day. No knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-08-14T19:06:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34683","tags":null,"has_narrative":true,"complaint_id":"7400226","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-14T18:55:56.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."]},"sort":[19.30606,"7400226"]},{"_index":"complaint-public-v1","_id":"8497681","_score":18.718784,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company has reported late payments which is a direct violation of the USC stated within this complaint. This has led to the denial of loans in which was dire to the survival of my child, where i was unable to provide transportation to and from Dr 's appointments of which were crucial to her survival!\n\n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2024-03-08T01:35:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8497681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2024-03-08T01:23:36.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."]},"sort":[18.718784,"8497681"]},{"_index":"complaint-public-v1","_id":"8497547","_score":18.718784,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The company has reported late payments which is a direct violation of the USC stated within this complaint. This has led to the denial of loans in which was dire to the survival of my child, where i was unable to provide transportation to and from XXXX XXXX appointments of which were crucial to her survival! \n\n\n\n\n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2024-03-08T01:35:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8497547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-08T01:35:36.000Z","state":"NV","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."]},"sort":[18.718784,"8497547"]},{"_index":"complaint-public-v1","_id":"8435547","_score":18.543482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards.\n\n( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information. \nYou have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. \n18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.","date_sent_to_company":"2024-02-27T18:44:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20601","tags":null,"has_narrative":true,"complaint_id":"8435547","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-27T18:44:35.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information."]},"sort":[18.543482,"8435547"]},{"_index":"complaint-public-v1","_id":"8431545","_score":18.543482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards.\n\n( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information. \nYou have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. \n18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.","date_sent_to_company":"2024-02-27T18:44:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20601","tags":null,"has_narrative":true,"complaint_id":"8431545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-27T18:44:35.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information."],"company":["Experian Information Solutions Inc."]},"sort":[18.543482,"8431545"]},{"_index":"complaint-public-v1","_id":"8431542","_score":18.543482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative technical, and physical safeguards. \n( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information.\n\nYou have violated my privacy and confidentiality of my records and information by furnishing to a non-affiliated party without my consent or given the proper financial pursuant 15 USC 6602 ( 8 ) You have obtained my information under false pretenses, displaying yourself as a creditor on my consumer reports, when you know that there is no contract between you Dept of education and me XXXX XXXX. You have no right or permissible purpose you knowingly possess uses and or transferred an identification of me without lawful authority, this is the definition of aggravated identity theft. \n18 United States Code 1028A- Aggravated identity theft Offenses- I have submitted an FTC report to the credit bureaus in hopes of a full investigation with proof of a contract or something with my wet signature that confirms this dept belongs to me. The credit bureaus failed me and did not complete a full investigation. They stated these loans were verified and accurate without providing any proof of accuracy.","date_sent_to_company":"2024-02-27T18:44:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20601","tags":null,"has_narrative":true,"complaint_id":"8431542","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-27T18:13:43.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["( 1 ) to ensure the security and confidentiality of customer records and information ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such record and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer Your institution by law has an ongoing responsibility to protect the privacy and confidentiality of my nonpublic information."]},"sort":[18.543482,"8431542"]},{"_index":"complaint-public-v1","_id":"7808796","_score":18.219063,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX transunion, XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. \n\n15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-06T14:47:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"7808796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-06T14:47:17.000Z","state":"MO","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":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."]},"sort":[18.219063,"7808796"]},{"_index":"complaint-public-v1","_id":"7808795","_score":18.20987,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX transunion, XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. \n\n15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-06T14:47:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"7808795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-11-06T14:47:17.000Z","state":"MO","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":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."]},"sort":[18.20987,"7808795"]},{"_index":"complaint-public-v1","_id":"7808890","_score":18.207092,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and experian, XXXX XXXXXXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. \n\nXXXX5 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-06T14:47:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"7808890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-06T14:47:17.000Z","state":"MO","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":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."],"company":["Experian Information Solutions Inc."]},"sort":[18.207092,"7808890"]},{"_index":"complaint-public-v1","_id":"8497720","_score":18.181042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is directed at AARGON Collection Agency, This corporation has been falsely reporting and illegally reporting and providing private information to 3rd party affiliate which is direct violation of the stated USC listed in this complaint. I've also requested to opt out on multiple occasions to no avail.\n\n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), July 21, 2010, 124 Stat. 2095. )","date_sent_to_company":"2024-03-08T01:22:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8497720","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aargon Agency, Inc.","date_received":"2024-03-08T00:56:47.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer"]},"sort":[18.181042,"8497720"]},{"_index":"complaint-public-v1","_id":"7808801","_score":18.15856,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"i sent in debt validation on an account that was not honored and claims that i refused to comply ... they closed the account and still reporting the the credit agency this goes against my rights as a consumer..they are reporting without my permission i was not giving the option to opt out of of this there is no law to report my info to the credit agency or giving disclosure for my personal information to theses companies and XXXX XXXX XXXX all had security breach of personal information. I would like for this to be taken off my report or i will start seeking legal action. \n\n15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-11-06T14:47:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"640XX","tags":null,"has_narrative":true,"complaint_id":"7808801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-11-06T14:02:57.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."]},"sort":[18.15856,"7808801"]},{"_index":"complaint-public-v1","_id":"8497613","_score":18.128036,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is directed at XXXX XXXX XXXX, This corporation has been falsely reporting and illegally reporting and providing private information to 3rd party affiliate which is direct violation of the stated USC listed in this complaint. I've also requested to opt out on multiple occasions to no avail. \n15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n( Pub. L. 106102, title V, 501, Nov. 12, 1999, 113 Stat. 1436 ; Pub. L. 111203, title X, 1093 ( 1 ), July 21, 2010, 124 Stat. 2095. )","date_sent_to_company":"2024-03-08T01:22:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8497613","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-08T01:22:12.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer"],"company":["Experian Information Solutions Inc."]},"sort":[18.128036,"8497613"]},{"_index":"complaint-public-v1","_id":"7974567","_score":18.111877,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is reporting invalid information on my Transunion Report for XXXX XXXX a debt alleged {$4000.00} something that has already been XXXX from XXXX. Furthermore i did not give consent to TransUnion consent to report anything on my consumer account. Also XXXX XXXX is a XXXX party Debtor that has no validity to the proof of this alleged debt. Both companies are in violation of ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. I demand these derrogatory reportings be removed immediately or i will seek punative damages through full fledged legal action.","date_sent_to_company":"2023-12-10T01:57:45.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"77551","tags":null,"has_narrative":true,"complaint_id":"7974567","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-12-10T01:38:40.000Z","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":["Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial"]},"sort":[18.111877,"7974567"]},{"_index":"complaint-public-v1","_id":"6638640","_score":18.111877,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. \nWithout my written consent Transunion and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThe law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-03-02T11:25:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"6638640","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-02T10:48:24.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["and confidentiality of those customers nonpublic personal information"]},"sort":[18.111877,"6638640"]},{"_index":"complaint-public-v1","_id":"6638628","_score":18.111877,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. \nWithout my written consent XXXX and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThe law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-03-02T11:25:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"6638628","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-02T11:25:55.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["confidentiality of those customers nonpublic personal information"]},"sort":[18.111877,"6638628"]},{"_index":"complaint-public-v1","_id":"6639524","_score":18.102194,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX and XXXX are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-03-27T19:19:37.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"6639524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2023-03-02T22:40:14.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or"]},"sort":[18.102194,"6639524"]},{"_index":"complaint-public-v1","_id":"6639343","_score":18.102194,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-03-02T22:34:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"6639343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2023-03-02T22:34:49.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or"]},"sort":[18.102194,"6639343"]},{"_index":"complaint-public-v1","_id":"6639361","_score":18.10008,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX ) and PRBC are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and PRBC unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-03-02T22:50:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"6639361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2023-03-02T22:49:57.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or"]},"sort":[18.10008,"6639361"]},{"_index":"complaint-public-v1","_id":"7116458","_score":18.061308,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This account doesn't belong to be me when they finally closed it and charged off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-06-15T00:22:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"7116458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2023-06-15T00:05:35.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of nonpublic personal information said : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."],"issue":["Incorrect information on your report"],"sub_issue":["Information belongs to someone else"]},"sort":[18.061308,"7116458"]},{"_index":"complaint-public-v1","_id":"6638626","_score":18.059437,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. \nWithout my written consent XXXX and Experian unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThe law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\n( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-03-02T11:25:59.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"6638626","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-02T11:25:55.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["and confidentiality of those customers nonpublic personal information"],"company":["Experian Information Solutions Inc."]},"sort":[18.059437,"6638626"]},{"_index":"complaint-public-v1","_id":"6639428","_score":18.052967,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent Innovis, XXXX XXXX and XXXX XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-03-02T22:34:45.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11213","tags":null,"has_narrative":true,"complaint_id":"6639428","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2023-03-02T22:17:45.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or"]},"sort":[18.052967,"6639428"]},{"_index":"complaint-public-v1","_id":"7116393","_score":18.015713,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This account doesn't belong to be me when they finally closed it and charged off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.","date_sent_to_company":"2023-06-15T00:22:16.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19050","tags":null,"has_narrative":true,"complaint_id":"7116393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-15T00:22:13.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 6801 - Protection of nonpublic personal information said : ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer."],"issue":["Incorrect information on your report"],"company":["Experian Information Solutions Inc."],"sub_issue":["Information belongs to someone else"]},"sort":[18.015713,"7116393"]},{"_index":"complaint-public-v1","_id":"6914772","_score":17.721453,"_source":{"product":"Debt collection","complaint_what_happened":"In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. I was informed from XXXX that I was effected by the data breech. Now this false information is showing as a charge off which is NEGATIVE on my consumer report.\n\n15 USC 6801-protection of nonpublic personal information ( a ) it is the policy of the congress that each financial institution has an affirmative and continuing obligation of respect to the privacy of it's consumers and to protect the security and confidentiality of those consumer ' nonpublic persona ; information ( b ) furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection , shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records : and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvienence to any customer.","date_sent_to_company":"2023-05-01T21:42:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"34609","tags":"Servicemember","has_narrative":true,"complaint_id":"6914772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2023-05-01T21:00:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["or use of such records or information which could result in substantial harm or inconvienence to any customer."]},"sort":[17.721453,"6914772"]},{"_index":"complaint-public-v1","_id":"12748605","_score":17.71056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX is in direct violation of theThe Privacy act of XXXX and the following Uniform Commercial Codes : 15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code Notes prev | next ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.","date_sent_to_company":"2025-03-31T18:53:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92025","tags":null,"has_narrative":true,"complaint_id":"12748605","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-31T18:53:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or"]},"sort":[17.71056,"12748605"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5608,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5608}]}},"product":{"doc_count":5608,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4667,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4643},{"key":"Other personal consumer report","doc_count":24}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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