{"took":720,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":165,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2243358","_score":23.002653,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting verification of the following accounts that Equifax continues to report on my credit file : XXXX XXXX, Tax Lien # XXXX, and Tax Lien # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, 2016. \nOn Friday, XXXX XXXX, I directly called the XXXX XXXX XXXX number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, 2016. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I have also attached Equifax 's dispute investigation of the results. \nOn Friday, XXXX XXXX, 2016, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, 2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as \" reported '' as of XXXX XXXX, 2016. \nI demand that these public records XXXX # XXXX, Tax Lien # XXXX, and Tax Lien # XXXX are removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called \" verification '' on XXXX XXXX, 2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying \" the account is verified. '' I demand that these unverified accounts : XXXX # XXXX, Tax Lien # XXXX, and Tax Lien XXXX ARE PERMANENTLY DELETED FROM MY ACCOUNT. I also request an updated XXXX credit report showing the deletions. \nPlease see attachments : XXXX security freeze confirmation dated XXXX XXXX, 2016 **Equifax dispute confirmation results showing that XXXX XXXX \" reported '' and \" verified '' on XXXX XXXX, 2016. \nPlease help!","date_sent_to_company":"2016-12-09T23:33:02.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"31061","tags":null,"has_narrative":true,"complaint_id":"2243358","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-12-09T23:33:01.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record"},"highlight":{"complaint_what_happened":["On Friday, <em>XXXX</em> <em>XXXX</em>, I <em>directly</em> called the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> number that is listed on my report at <em>XXXX</em> and spoke with <em>XXXX</em> agent ID # <em>XXXX</em> and she informed me that a <em>security</em> <em>freeze</em> was placed on my account as of <em>XXXX</em> <em>XXXX</em>, 2016. I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. I have also attached Equifax 's dispute investigation of the results."]},"sort":[23.002653,"2243358"]},{"_index":"complaint-public-v1","_id":"2684779","_score":22.99014,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following account that Transunion continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX  confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Transunion or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported on XX/XX/XXXX.","date_sent_to_company":"2017-09-26T16:00:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60636","tags":null,"has_narrative":true,"complaint_id":"2684779","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-09-26T15:49:53.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. On XX/XX/<em>XXXX</em>, I also contacted the number listed at the bottom of my <em>XXXX</em> <em>XXXX</em>  <em>confirmation</em> paper <em>XXXX</em> and spoke to Agent <em>XXXX</em> and she also advised me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of XX/XX/<em>XXXX</em>. She also stated that there is NO inquiry from Transunion or mode of verification from <em>XXXX</em> <em>XXXX</em> credit file."]},"sort":[22.99014,"2684779"]},{"_index":"complaint-public-v1","_id":"2684762","_score":22.99014,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX.","date_sent_to_company":"2017-09-26T16:11:44.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60636","tags":null,"has_narrative":true,"complaint_id":"2684762","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-26T16:01:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. On XX/XX/<em>XXXX</em>, I also contacted the number listed at the bottom of my <em>XXXX</em> <em>XXXX</em> <em>confirmation</em> paper <em>XXXX</em> and spoke to Agent <em>XXXX</em> and she also advised me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of XX/XX/<em>XXXX</em>. She also stated that there is NO inquiry from Equifax or mode of verification from <em>XXXX</em> <em>XXXX</em> credit file."]},"sort":[22.99014,"2684762"]},{"_index":"complaint-public-v1","_id":"2684723","_score":22.971947,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following account that Experian continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Experian listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. OnXX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. OnXX/XX/XXXX I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX She also stated that there is NO inquiry from Experian or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Experian shows as reported on XX/XX/XXXX.","date_sent_to_company":"2017-09-26T15:47:40.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"60636","tags":null,"has_narrative":true,"complaint_id":"2684723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-26T15:33:37.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I have a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. OnXX/XX/<em>XXXX</em> I also contacted the number listed at the bottom of my <em>XXXX</em> <em>XXXX</em> <em>confirmation</em> paper <em>XXXX</em> and spoke to Agent <em>XXXX</em> and she also advised me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of XX/XX/<em>XXXX</em> She also stated that there is NO inquiry from Experian or mode of verification from <em>XXXX</em> <em>XXXX</em> credit file."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[22.971947,"2684723"]},{"_index":"complaint-public-v1","_id":"3100374","_score":22.906654,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have Requested Validation of the following account that Equifax continues to report on my credit file : Bankruptcy # XXXX. Equifax lists XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2018. On Wednesday XX/XX/2018 I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/2018. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On Wednesday XX/XX/2018, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2018. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2018. I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called 'verification? on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Equifax has FAILED to validate this bankruptcy and is in violation of the FCRA. All they send is a XXXX XXXX address and a statement saying 'the account is verified. I demand that this unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.","date_sent_to_company":"2018-12-14T14:31:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30909","tags":null,"has_narrative":true,"complaint_id":"3100374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-12-14T14:09:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. On Wednesday <em>XX/XX</em>/2018, I also <em>directly</em> called the telephone number listed on my <em>SECURITY</em> <em>FREEZE</em> <em>CONFIRMATION</em> LETTER FROM <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and spoke with <em>XXXX</em> agent ID # <em>XXXX</em> and she also advised me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of <em>XX/XX</em>/2018."]},"sort":[22.906654,"3100374"]},{"_index":"complaint-public-v1","_id":"2404644","_score":22.61067,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting verification of the following account that Experian continues to report on my credit file : Bankruptcy # XXXX Experian listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. \nOn Friday, XX/XX/2017 I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. \nOn Friday, XX/XX/2017, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Experian or mode of verification from XXXX to Experian showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Experian shows as reported on XXXX. \nI demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian '' XXXX so-called \" verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a XXXX address and a statement saying \" the account is verified. '' I demand that this unverified account : public record Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. \n\nI demand and request this public record : Bankruptcy XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX agents assured me that Experian 's XX/XX/2017","date_sent_to_company":"2017-03-27T02:38:28.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"63114","tags":null,"has_narrative":true,"complaint_id":"2404644","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-03-27T02:38:27.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> showing the date of <em>confirmation</em>. \nOn Friday, <em>XX/XX</em>/2017, I also <em>directly</em> called the telephone number listed on my <em>SECURITY</em> <em>FREEZE</em> <em>CONFIRMATION</em> LETTER FROM <em>XXXX</em> <em>XXXX</em> and spoke with agent and she also advised me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of <em>XX/XX</em>/2017."]},"sort":[22.61067,"2404644"]},{"_index":"complaint-public-v1","_id":"2401356","_score":22.608997,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX/Bankruptcy # XXXX, and # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. \nOn Thursday, XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. \nOn XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with another agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2017. \nI demand that this public record XXXX/Bankruptcy # XXXX and # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax '' s so-called \" verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying \" the account is verified. '' I demand that this unverified account : XXXX # XXXX and Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. PLEASE HELP!","date_sent_to_company":"2017-03-23T18:34:50.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"89119","tags":null,"has_narrative":true,"complaint_id":"2401356","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-03-23T18:34:49.000Z","state":"NV","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. \nOn <em>XXXX</em>, I also <em>directly</em> called the telephone number listed on my <em>SECURITY</em> <em>FREEZE</em> <em>CONFIRMATION</em> LETTER FROM <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and spoke with another agent and she also advised me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of <em>XX/XX</em>/2017."]},"sort":[22.608997,"2401356"]},{"_index":"complaint-public-v1","_id":"2325088","_score":22.168068,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. \nOn Thursday, XXXX XXXX, XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my consumer file # XXXX as of XXXX XXXX, XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. \nOn Thursday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. She also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. \nI demand that this public record Wage Earner Plan/Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax so-called \" verification '' on XXXX XXXX, XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE IN PLACE DATED XXXX/XXXX/XXXX. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying \" the account is verified. '' I demand that this unverified account : Wage Earner Plan # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. \nI demand and request this public record : Wage Earner Plan/Bankruptcy # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX XXXX agents assured me that Equifax 's XXXX XXXX, XXXX \" reported date '' and \" verification date '' DID NOT come from Lexis Nexis because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! \n_______________________________________","date_sent_to_company":"2017-02-02T22:07:18.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"30032","tags":null,"has_narrative":true,"complaint_id":"2325088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-02-02T22:07:17.000Z","state":"GA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["On Thursday, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> I <em>directly</em> called the <em>XXXX</em> <em>XXXX</em> telephone number that is listed on my report at <em>XXXX</em> and spoke with agent and she informed me that a <em>security</em> <em>freeze</em> was placed on my consumer file # <em>XXXX</em> as of <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>. I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>."]},"sort":[22.168068,"2325088"]},{"_index":"complaint-public-v1","_id":"1422160","_score":21.620998,"_source":{"product":"Credit reporting","complaint_what_happened":"I submitted a formal written request directly to XXXX in a \" special '' account handling department. XXXX requested that I fax her a request to place the security freeze on my credit report and advised she would process it and issue confirmation and disclosure of system generated PIN. I faxed that over 2 weeks ago. I received a notice dated XXXX XXXX, 2015 with an explanation on how to set up a security freeze. Experian has verification of identity, address for the last two years, social security number. XXXX has this documentation. I have provided this documentation over XXXX times. This is ridiculous.","date_sent_to_company":"2015-06-15T17:15:48.000Z","issue":"Unable to get credit report/credit score","sub_product":null,"zip_code":"274XX","tags":null,"has_narrative":true,"complaint_id":"1422160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2015-06-15T03:27:15.000Z","state":"NC","company_public_response":"Company chooses not to provide a public response","sub_issue":"Problem getting report or credit score"},"highlight":{"complaint_what_happened":["I submitted a formal written request <em>directly</em> to <em>XXXX</em> in a \" special '' account handling department. <em>XXXX</em> requested that I fax her a request to place the <em>security</em> <em>freeze</em> on my credit report and advised she would process it and issue <em>confirmation</em> and disclosure of system generated PIN. I faxed that over 2 weeks ago. I received a notice dated <em>XXXX</em> <em>XXXX</em>, 2015 with an explanation on how to set up a <em>security</em> <em>freeze</em>."]},"sort":[21.620998,"1422160"]},{"_index":"complaint-public-v1","_id":"2982269","_score":21.579626,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file : US Bankruptcy court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification XX/XX/2018. On XXXX XXXX I directly called the XXXX XXXX number listed on my report at XXXX and spoke with an agent who informed me that a security freeze was placed on my account as of XXXX XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. Might I also add the bankruptcies were deleted XX/XX/2018 HOWEVER Equifax added them back on my credit report without giving me a 5-day reinsertion notice which I have proof of and shows a clear violation on Equifax part on reporting accurate information. \nMight I also add on XXXX XXXX I directly called the number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent who advised me that my security freeze was confirmed and set into place XX/XX/2018. She also told me there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported XX/XX/2018. \nI demand that this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifaxs so-called verification on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX  CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is XXXX XXXX address and a statement saying, the account was verified. I demand that this unverified account : US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is PERMENANTLY DELETED FROM MY CREDIT FILE. \nI demand and request this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed/ DELETED PERMENANTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX XXXX agents assured me that Equifaxs XX/XX/2018 reported date and verification date DID NOT come from XXXX XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. PLEASE HELP!","date_sent_to_company":"2018-08-06T05:49:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"2982269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-08-06T01:29:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. Might I also add the bankruptcies were deleted <em>XX/XX</em>/2018 HOWEVER Equifax added them back on my credit report without giving me a 5-day reinsertion notice which I have proof of and shows a clear violation on Equifax part on reporting accurate information."]},"sort":[21.579626,"2982269"]},{"_index":"complaint-public-v1","_id":"2687374","_score":21.331394,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax listed that XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. Also with the new law that was passed on XXXX XXXX, XXXX stated that beginning XXXX XXXX, public records data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follow : Minimum reporting of : Name, Address, and Social security number/ and or date of birth. Or Minimum frequency of courthouse visits to obtain newly filed and updated public records at least every 90. I contacted Equifax to provide the information and verify the account with the new law and have not received any correspondence to the law. \nOn XXXX XXXX, XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XXXX XXXX, XXXX, I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also stated that there is NO inquiry from Equifax or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX.","date_sent_to_company":"2017-09-28T18:33:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60619","tags":"Servicemember","has_narrative":true,"complaint_id":"2687374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-28T17:40:46.000Z","state":"IL","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["On <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, I <em>directly</em> called the <em>XXXX</em> <em>XXXX</em> telephone number that is listed on my report at <em>XXXX</em> and spoke with Agent <em>XXXX</em> and he informed me that a <em>security</em> <em>freeze</em> was placed on my account as of <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>. I have a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>."]},"sort":[21.331394,"2687374"]},{"_index":"complaint-public-v1","_id":"2426631","_score":21.029606,"_source":{"product":"Credit reporting","complaint_what_happened":"I requested verification of the following account that Equifax continues to report on my credit file : US Bankruptcy-XXXX # XXXX. Equifax listed XXXX, XXXX, GA XXXX as the source of their verification on XXXX. On XXXX I directly called XXXX at XXXX, the number that is listed on my report. I spoke with XXXX and she informed me that as of XXXX a security freeze was placed on my account. I have attached a copy of my security freeze confirmation letter that I received from XXXX showing the date of the confirmation. XXXX confirmed that the freeze was set into place as of XXXX. XXXX stated there is NO inquiry from Equifax showing on my XXXX or mode of verification from XXXX to Equifax showing on my XXXX credit file. XXXX also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XXXX. I demand that this public record US Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date. XXXX agents assured me that Equifax 's so-called verification on XXXX WAS NOT REPORTED BY THEM BECAUSE XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All that has been sent is a XXXX address and a statement saying \" the account is verified. '' I demand that this unverified account : US Bankruptcy-XXXX # XXXX is permanently deleted from my credit file because XXXX DID NOT disclose information on accounts with a security freeze placed on them. Please help!","date_sent_to_company":"2017-04-10T02:46:39.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"2426631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-10T02:46:38.000Z","state":"GA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> letter that I received from <em>XXXX</em> showing the date of the <em>confirmation</em>. <em>XXXX</em> confirmed that the <em>freeze</em> was set into place as of <em>XXXX</em>. <em>XXXX</em> stated there is NO inquiry from Equifax showing on my <em>XXXX</em> or mode of verification from <em>XXXX</em> to Equifax showing on my <em>XXXX</em> credit file. <em>XXXX</em> also stated that <em>XXXX</em> DID NOT verify the verification that Equifax shows as reported on <em>XXXX</em>."]},"sort":[21.029606,"2426631"]},{"_index":"complaint-public-v1","_id":"2752047","_score":20.77403,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # xxxxxx. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. \nOn Thursday, XXXX XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX, along with information suppression dated XXXX XXXX, XXXX. I have attached a copy of my security freeze and suppression confirmation that I received directly from XXXX XXXX showing the date of confirmation. \nOn Friday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and he also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. He also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. \nI also contacted the U.S. Bankruptcy Court requesting their process of reporting bankruptcy information to the credit bureaus to which I was informed that they DO NOT report to ANY credit agency. I have included the letter from the bankruptcy court as well. \nI demand that this public record Wage Earner Plan/Bankruptcy # xxxxx is removed due to lack of verification and inaccurate reporting of verification date. The entire process of reporting a public record from the original source is a flat lie based on information given from the United States Bankruptcy Court. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying the account is verified. I demand that this unverified account : Wage Earner Plan # xxxxxxx is PERMANENTLY DELETED FROM MY CREDIT FILE. \n\nI demand and request this public record : Wage Earner Plan/Bankruptcy # xxxxxxx is removed/DELETED PERMANENTLY due to lack of verification, INACCURATE REPORTING OF VERIFICATION DATE and invalid process of reporting a public record. Please help!","date_sent_to_company":"2017-12-11T06:42:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"190XX","tags":null,"has_narrative":true,"complaint_id":"2752047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-11T06:01:19.000Z","state":"PA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>security</em> <em>freeze</em> and suppression <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. \nOn Friday, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, I also <em>directly</em> called the telephone number listed on my <em>SECURITY</em> <em>FREEZE</em> <em>CONFIRMATION</em> LETTER FROM <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and spoke with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and he also advised me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>."]},"sort":[20.77403,"2752047"]},{"_index":"complaint-public-v1","_id":"2650777","_score":20.38735,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following accounts that XXXX continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. XXXX listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to XXXX with same old script, \" your account has been verified via XXXX ''. No record of any inquiry from XXXX or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.","date_sent_to_company":"2017-08-25T18:25:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30034","tags":null,"has_narrative":true,"complaint_id":"2650777","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-08-25T18:25:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On Thursday XX/XX/<em>XXXX</em>, I <em>directly</em> called the <em>XXXX</em> <em>XXXX</em> telephone number that is listed on my report <em>XXXX</em> and spoke with agent, she informed the <em>security</em> <em>freeze</em> was placed on my consumer file # <em>XXXX</em> as XX/XX/<em>XXXX</em>, I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> from <em>XXXX</em> confirming the <em>freeze</em> date. After reaching back out to <em>XXXX</em> with same old script, \" your account has been verified via <em>XXXX</em> ''."]},"sort":[20.38735,"2650777"]},{"_index":"complaint-public-v1","_id":"2650776","_score":20.370699,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following accounts that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification onXX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to Equifax with same old script, \" your account has been verified via XXXX ''. No record of any inquiry from Equifax or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.","date_sent_to_company":"2017-08-25T18:25:48.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30034","tags":null,"has_narrative":true,"complaint_id":"2650776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-08-25T17:54:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On Thursday XX/XX/<em>XXXX</em>, I <em>directly</em> called the <em>XXXX</em> <em>XXXX</em> telephone number that is listed on my report <em>XXXX</em> and spoke with agent, she informed the <em>security</em> <em>freeze</em> was placed on my consumer file # <em>XXXX</em> as XX/XX/<em>XXXX</em>, I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> from <em>XXXX</em> confirming the <em>freeze</em> date. After reaching back out to Equifax with same old script, \" your account has been verified via <em>XXXX</em> ''."]},"sort":[20.370699,"2650776"]},{"_index":"complaint-public-v1","_id":"2371341","_score":20.026865,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file : Us Bankruptcy court- XXXX Case Or ID # XXXX. Equifax listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2016. \nI directly called the XXXX telephone number that is listed on my report at XXXX and spoke with a representative she informed me that a security freeze was placed on my account as of XX/XX/2016. \nI also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and the representative advise me that my security freeze was confirmed and set into place as of XX/XX/2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2016. \nI demand that this public record Us Bankruptcy court- XXXX Case Or ID # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax '' s so-called \" verification '' on XX/XX/2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX address and a statement saying \" the account is verified. '' I demand that this unverified account : Us Bankruptcy court- XXXX Case Or ID # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.","date_sent_to_company":"2017-03-03T23:55:09.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"30076","tags":null,"has_narrative":true,"complaint_id":"2371341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-03-03T23:55:09.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record"},"highlight":{"complaint_what_happened":["I also <em>directly</em> called the telephone number listed on my <em>SECURITY</em> <em>FREEZE</em> <em>CONFIRMATION</em> LETTER FROM <em>XXXX</em> <em>XXXX</em> and the representative advise me that my <em>security</em> <em>freeze</em> was confirmed and set into place as of <em>XX/XX</em>/2016. She also told me that there is NO inquiry from Equifax or mode of verification from <em>XXXX</em> to Equifax showing on my <em>XXXX</em> credit file. And she also stated that <em>XXXX</em> DID NOT verify the verification that Equifax shows as reported on <em>XX/XX</em>/2016."]},"sort":[20.026865,"2371341"]},{"_index":"complaint-public-v1","_id":"2311578","_score":19.736576,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX FED Bk CT- XXXX XXXX Case ID XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX as the source of their verification on XXXX XXXX, XXXX. \nOn Monday XX/XX/XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Lei agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. \nShe also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. \nI demand that this public record XXXX FED Bk CT-XXXX Case ID XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agent assured me that Equifax '' s so-called \" verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying \" the account is verified. '' I demand that this unverified account : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. \n\nI demand and request this public record : XXXX FED Bk CT-XXXX XXXX CASE ID XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. A XXXX XXXX agents XXXX XXXX ID XXXX ) assured me that Equifax 's XX/XX/XXXX \" reported date '' and \" verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! \n________________________________________","date_sent_to_company":"2017-01-25T14:21:30.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"70809","tags":null,"has_narrative":true,"complaint_id":"2311578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-01-25T14:21:29.000Z","state":"LA","company_public_response":null,"sub_issue":"Problem with statement of dispute"},"highlight":{"complaint_what_happened":["On Monday XX/XX/<em>XXXX</em> I <em>directly</em> called the <em>XXXX</em> <em>XXXX</em> telephone number that is listed on my report at <em>XXXX</em> and spoke with Lei agent ID # <em>XXXX</em> and she informed me that a <em>security</em> <em>freeze</em> was placed on my account as of XX/XX/<em>XXXX</em>. I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>."]},"sort":[19.736576,"2311578"]},{"_index":"complaint-public-v1","_id":"14453730","_score":19.655424,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I placed a security freeze on my LexisNexis consumer file in XX/XX/XXXX. Despite this, LexisNexis allowed access to my frozen data, which directly resulted in a denial of a bank account. I received a denial letter from XXXX dated XX/XX/XXXX, which referenced issues that stem from LexisNexiseither identity verification or information they provided to a third party. This access occurred well after my freeze was in place. I did not lift the freeze or authorize the release of any information. This appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ), which prohibits consumer reporting agencies from releasing frozen data without the consumers explicit consent. I request that the CFPB investigate LexisNexis for this unauthorized disclosure and take appropriate enforcement action. I can provide supporting documentation upon request, including a copy of the freeze confirmation and denial letter.","date_sent_to_company":"2025-07-03T03:37:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"14453730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-07-03T03:31:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I placed a <em>security</em> <em>freeze</em> on my LexisNexis consumer file in XX/XX/<em>XXXX</em>. Despite this, LexisNexis allowed access to my frozen data, which <em>directly</em> resulted in a denial of a bank account. I received a denial letter from <em>XXXX</em> dated XX/XX/<em>XXXX</em>, which referenced issues that stem from LexisNexiseither identity verification or information they provided to a third party. This access occurred well after my <em>freeze</em> was in place. I did not lift the <em>freeze</em> or authorize the release of any information."]},"sort":[19.655424,"14453730"]},{"_index":"complaint-public-v1","_id":"14050311","_score":19.655424,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I placed a security freeze on my LexisNexis consumer file in XX/XX/XXXX. Despite this, LexisNexis allowed access to my frozen data, which directly resulted in a denial of a bank account. \nI received a denial letter from XXXX dated XX/XX/XXXX, which referenced issues that stem from LexisNexiseither identity verification or information they provided to a third party. This access occurred well after my freeze was in place. \nI did not lift the freeze or authorize the release of any information. This appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ), which prohibits consumer reporting agencies from releasing frozen data without the consumers explicit consent. \nI request that the CFPB investigate LexisNexis for this unauthorized disclosure and take appropriate enforcement action. I can provide supporting documentation upon request, including a copy of the freeze confirmation and denial letter.","date_sent_to_company":"2025-06-18T17:39:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"14050311","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-06-12T22:29:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Report provided to employer without your written authorization"},"highlight":{"complaint_what_happened":["I placed a <em>security</em> <em>freeze</em> on my LexisNexis consumer file in XX/XX/<em>XXXX</em>. Despite this, LexisNexis allowed access to my frozen data, which <em>directly</em> resulted in a denial of a bank account. \nI received a denial letter from <em>XXXX</em> dated XX/XX/<em>XXXX</em>, which referenced issues that stem from LexisNexiseither identity verification or information they provided to a third party. This access occurred well after my <em>freeze</em> was in place. \nI did not lift the <em>freeze</em> or authorize the release of any information."]},"sort":[19.655424,"14050311"]},{"_index":"complaint-public-v1","_id":"11375197","_score":19.51355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Experian Compliance Department, This correspondence serves as a formal follow-up regarding my previous request to place a security freeze on my credit profile and opt-out of the release of any personal, financial, or debt-related information. I appreciate your acknowledgment of my prior communications and would like to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) are being upheld.\n\nMy Request 1. Security Freeze : I request that a security freeze be implemented on my credit profile to prevent unauthorized access or sharing of my information.\n\n2. Opt-Out of Information Sharing : I do not consent to the release, disclosure, or sharing of any personal or debt-related information to credit bureaus, reporting agencies, or third parties without my explicit permission.\n\n3. Compliance with Federal Regulations : I request written confirmation that your organization is fully compliant with federal regulations and is taking all necessary steps to uphold my rights as a consumer under the FCRA and other applicable laws. \nDocumentation Provided For your review, I have enclosed the following documents : A copy of my driver license A recent utility bill for address verification Declaration I declare, under penalty of law, that the information provided in this correspondence and all attached documentation is true and accurate to the best of my knowledge. \nNext Steps I kindly request written confirmation that : The requested security freeze has been placed on my credit profile. \nMy opt-out request has been processed and my information is no longer being disclosed. \nYour organization is compliant with all applicable federal laws and CFPB guidelines regarding the handling of consumer data. \nPlease provide confirmation of these actions within 30 days of receipt of this correspondence. If additional information or clarification is required, do not hesitate to contact me directly at XXXX or via email at XXXX. \nThank you for your attention to this matter. I look forward to your prompt response and assurance that my requests have been handled appropriately. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-03T15:18:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"11375197","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-03T15:12:48.000Z","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":["If additional information or clarification is required, do not hesitate to contact me <em>directly</em> at <em>XXXX</em> or via email at <em>XXXX</em>. \nThank you for your attention to this matter. I look forward to your prompt response and assurance that my requests have been handled appropriately. \nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[19.51355,"11375197"]},{"_index":"complaint-public-v1","_id":"2430395","_score":19.29314,"_source":{"product":"Credit reporting","complaint_what_happened":"I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that TransUnion continues to report on my credit file : Bankruptcy Case ID # XXXX. \nI directly called the third party telephone number that is listed on my report and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. She also told me that there is NO inquiry from TransUnion or mode of verification from XXXX to TransUnion showing on my third party credit file. And she also stated that XXXX DID NOT verify the verification that TransUnion shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. \n\nBeing that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. \nI demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that TransUnion so-called \" verification '' on XXXX WAS NOT REPORTED BY THEM BECAUSE MY THIRD PARTY CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. \nThank you","date_sent_to_company":"2017-04-11T05:39:48.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"27614","tags":null,"has_narrative":true,"complaint_id":"2430395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-04-11T05:39:48.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I have been requesting verification of the following account that TransUnion continues to report on my credit file : Bankruptcy Case ID # <em>XXXX</em>. \nI <em>directly</em> called the third party telephone number that is listed on my report and spoke with an agent and she informed me that a <em>security</em> <em>freeze</em> was placed on my account as of XX/XX/<em>XXXX</em>. I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> showing the date of <em>confirmation</em>."]},"sort":[19.29314,"2430395"]},{"_index":"complaint-public-v1","_id":"11370434","_score":19.069088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Compliance Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Follow-Up on Security Freeze, Opt-Out Request, and Data Protection Assurance Dear Equifax Compliance Team , This correspondence serves as a formal follow-up regarding my prior request to place a security freeze on my credit profile and opt-out of the release of any personal, financial, or debt-related information. I appreciate your acknowledgment of my earlier communications and am writing to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) are being upheld. \nMy Request 1. Security Freeze : I request that a security freeze be implemented on my credit profile to prevent unauthorized access or sharing of my information.\n\n2. Opt-Out of Information Sharing : I do not consent to the release, disclosure, or sharing of any personal or debt-related information to credit bureaus, reporting agencies, or third parties without my explicit permission.\n\n3. Compliance with Federal Regulations : I request written confirmation that your organization is fully compliant with federal regulations and is taking all necessary steps to uphold my rights as a consumer under the FCRA and other applicable laws.\n\nDocumentation Provided For your review, I have enclosed the following documents to verify my identity : A copy of my driver license A recent utility bill for address verification Declaration I declare, under penalty of law, that the information provided in this correspondence and all attached documentation is true and accurate to the best of my knowledge.\n\nNext Steps I kindly request written confirmation of the following : That the requested security freeze has been placed on my credit profile.\n\nThat my opt-out request has been processed and my information is no longer being disclosed.\n\nThat your organization is fully compliant with all applicable federal laws and CFPB guidelines regarding the handling of consumer data.\n\nAdditionally, I require assurance that Equifax has taken sufficient measures to ensure the protection of my data. This includes confirming that incidents like the XXXX  data breach, which exposed sensitive personal information of millions of consumers, will not recur. \n\nResponse Timeline Please provide confirmation of these actions within 30 days of receipt of this correspondence. Should you require additional information or clarification, do not hesitate to contact me directly at XXXX or via email at XXXX. \nThank you for your attention to this matter. I look forward to your prompt response and assurance that my requests have been handled appropriately. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-03T19:24:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"11370434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-03T19:20:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Equifax Compliance Department <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX Subject : Follow-Up on <em>Security</em> <em>Freeze</em>, Opt-Out Request, and Data Protection Assurance Dear Equifax Compliance Team , This correspondence serves as a formal follow-up regarding my prior request to place a <em>security</em> <em>freeze</em> on my credit profile and opt-out of the release of any personal, financial, or debt-related information."]},"sort":[19.069088,"11370434"]},{"_index":"complaint-public-v1","_id":"2430775","_score":18.952953,"_source":{"product":"Credit reporting","complaint_what_happened":"I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. \n\nI directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. \n\nBeing that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. \nI demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called \" verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. \nThank you","date_sent_to_company":"2017-04-11T05:21:28.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"27614","tags":null,"has_narrative":true,"complaint_id":"2430775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-11T05:21:27.000Z","state":"NC","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I have attached a copy of my <em>security</em> <em>freeze</em> <em>confirmation</em> that I received <em>directly</em> from <em>XXXX</em> <em>XXXX</em> showing the date of <em>confirmation</em>. She also told me that there is NO inquiry from Equifax or mode of verification from <em>XXXX</em> <em>XXXX</em> to Equifax showing on my Lexis Nexis credit file. And she also stated that <em>XXXX</em> <em>XXXX</em> DID NOT verify the verification that Equifax shows as reported on XX/XX/<em>XXXX</em>. I also contacted the courthouse in <em>XXXX</em> NC and spoke with a court clerk."]},"sort":[18.952953,"2430775"]},{"_index":"complaint-public-v1","_id":"5114765","_score":18.792715,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint includes two related problems pertaining to the security freeze status of my NCTUE credit file. \n\n-Problem 1. Lack of freeze despite receiving a confirmation and pin in XX/XX/XXXX. \nOn XX/XX/XXXX I used the nctue.com ( which linked to exchangeservicecenter.com ) website to place a freeze on my NCTUE credit file. To place the freeze I directly provided the requested information of : my first and last name, my DOB, my full SSN, my current address with a ZIP code of XXXX and my most recent previous address with a ZIP ode of XXXX where I last resided in XXXX. The information that I provided was accurate and contained no misrepresentations. At the completion of the process the website provided me with a .pdf document confirming my NCTUE credit file freeze with a date of XX/XX/XXXX and listing my name, my current address with a ZIP code of XXXX that I had provided during the freeze process and a pin number ending in XXXX. My address has not changed since my freeze request of XX/XX/XXXX. \n\nBelieving the freeze of XX/XX/XXXX to be in effect for my NCTUE credit file I visited nctue.com on or about XX/XX/XXXX to explore my options for potentially temporarily removing the freeze on my credit file. At nctue.com ( which linked to exchangeservicecenter.com ) I directly provided the requested information of : my first and last name, my DOB, my full SSN and my current address with a ZIP code of XXXX. The information that I provided was consistent with the information that I provided on XX/XX/XXXX. After submitting the information the NCTUE service indicated that, \" Your National Consumer Telecommunications and Utilities Data Exchange ( NCTUE ) Data report is not Frozen. '' This was surprising and concerning since I have nothing in my personal records to indicate that I ever requested to remove the XX/XX/XXXX freeze of my NCTUE credit file and I do not believe that I ever requested a permanent removal of the freeze. \n\nI believe that NCTUE may have failed to properly cause my freeze request of XX/XX/XXXX to come into effect or may have improperly lifted the freeze without my direct request and without notifying me. \n\n-Problem 2. Incorrect address shown on freeze confirmation of XX/XX/XXXX. \nOn or about XX/XX/XXXX, now believing my NCTUE consumer report to be 'not frozen, ' I endeavored to place a freeze. I visited nctue.com ( ( which linked to exchangeservicecenter.com ) I directly provided the requested information of : my first and last name, my XXXX, my full SSN and my current address with a ZIP code of XXXX. The information that I provided was consistent with the information that I provided on XX/XX/XXXX and XX/XX/XXXX. After receiving the message, \" Your National Consumer Telecommunications and Utilities Data Exchange ( NCTUE ) Data report is not Frozen '' I selected the option to \" Place a freeze. '' At the completion of the process the website provided me with a .pdf document purporting to confirm my NCTUE credit file freeze with a date of XX/XX/XXXX and listing my name and a pin number ending in 10 but with an historical address with a ZIP code of XXXX where I have not resided since XXXX and which I did not provide during my freeze request. \n\nPresently, I am left to wonder if my freeze request has in fact been accomplished and why my historical address was used in the purported confirmation dated XX/XX/XXXX. \nNCTUE 's freeze process seems to me to be error-prone and unreliable.","date_sent_to_company":"2022-01-17T08:38:45.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"151XX","tags":null,"has_narrative":true,"complaint_id":"5114765","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Consumer Telecom & Utilities Exchange, Inc.","date_received":"2022-01-17T03:13:21.000Z","state":"PA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This complaint includes two related problems pertaining to the <em>security</em> <em>freeze</em> status of my NCTUE credit file. \n\n-Problem 1. Lack of <em>freeze</em> despite receiving a <em>confirmation</em> and pin in XX/XX/<em>XXXX</em>. \nOn XX/XX/<em>XXXX</em> I used the nctue.com ( which linked to exchangeservicecenter.com ) website to place a <em>freeze</em> on my NCTUE credit file."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.792715,"5114765"]},{"_index":"complaint-public-v1","_id":"16869484","_score":18.28964,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"What is the problem? \n\nI am filing a new complaint against LexisNexis for providing demonstrably false and contradictory information regarding the status of my security freeze, which has directly caused my wrongful denials from multiple banks. \n\nIn their official response to my previous CFPB complaint ( # XXXX ), dated XX/XX/XXXX, LexisNexis states XXXX \" on XX/XX/XXXX, LexisNexis placed a security freeze on the consumers file. '' This statement is false and deceptive. \n\nI have confirmation from multiple phone calls with LexisNexis representatives throughout XXXX that my security freeze was already active and has been in place since XX/XX/XXXX. The bank denials from XXXX and XXXX XXXX occurred in late XX/XX/XXXX, before the date LexisNexis now claims they placed the freeze. \n\nThis creates an impossible situation : If the freeze was only placed on XX/XX/XXXX, then LexisNexis is admitting my file was unprotected when the banks pulled my report and denied me. This means they furnished a report that contained fraudulent or inaccurate data, leading to an unfair denial. \n\nIf the freeze was active since XX/XX/XXXX ( as I was repeatedly told ), then LexisNexis is now falsifying records by claiming it was just placed. This also means they may have illegally furnished a report from a frozen file. \n\nEither scenario is a severe violation of the FCRA 's requirement for accuracy and reasonable procedures. LexisNexis can not keep changing the fundamental facts of my consumer file to suit their narrative. This \" moving target '' approach has made it impossible for me to clear my name or hold anyone accountable, as the central factthe freeze datekeeps changing. \n\nIN Second : What is the problem? \n\nI am filing my third complaint against LexisNexis for providing demonstrably false and contradictory information, creating an impossible situation that has directly caused my wrongful denials from multiple banks. \n\nLexisNexis is intentionally going back and forth with me to avoid resolving the core issue. I have filed two prior CFPB complaints on this matter, neither of which were resolved. \n\nIn the first complaint, LexisNexis ignored my dispute and simply stated they sent me a consumer reportsomething I never requested. \n\nIn the second complaint ( CFPB Case # XXXX ), I explicitly stated I was advised by their representatives that my file had a security freeze since XX/XX/XXXX. In their response dated XX/XX/XXXX, they deceptively stated they \" placed a security freeze on the consumers file '' on that date, as if it was a new action I requested. I never requested a freeze ; I was seeking an explanation for the denials. \n\nThis contradiction forced me to call LexisNexis again. The call transcript with XXXX XXXX ( ID : XXXX ) on XXXX, XXXX XXXX, reveals the truth they have been hiding : There has been no active security freeze since XX/XX/XXXX, when one was added and removed on the same day. \n\nThere is, and has been, an Identity Theft Alert on my file since XX/XX/XXXX. \n\nThe prior representative gave me completely false information by claiming I had a freeze since XX/XX/XXXX. \n\nThe core issue is now clear : Banks are denying my applications because of this Identity Theft Alert. Instead of following the alert 's purposewhich is to trigger enhanced verificationtheir automated systems treat it as a reason for automatic denial. LexisNexis 's failure to maintain accurate internal records and provide consistent, truthful information to both me and the CFPB has prevented me from proving this and resolving the problem for months.","date_sent_to_company":"2025-10-28T20:05:31.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"78752","tags":null,"has_narrative":true,"complaint_id":"16869484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-10-28T18:28:27.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am filing a new complaint against LexisNexis for providing demonstrably false and contradictory information regarding the status of my <em>security</em> <em>freeze</em>, which has <em>directly</em> caused my wrongful denials from multiple banks. \n\nIn their official response to my previous CFPB complaint ( # <em>XXXX</em> ), dated XX/XX/<em>XXXX</em>, LexisNexis states <em>XXXX</em> \" on XX/XX/<em>XXXX</em>, LexisNexis placed a <em>security</em> <em>freeze</em> on the consumers file. '' This statement is false and deceptive."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.28964,"16869484"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":165,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":165}]}},"product":{"doc_count":165,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":78,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":74},{"key":"Other personal consumer report","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":36},{"key":"Other personal consumer 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