{"took":73,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":913,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4433341","_score":27.311316,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"date XX/XX/2021 I was the victim of identity theft. Someone opened up a credit account at Kickoff lending llc in my name. The reason Kikoff lending llc should be punished and looked at is due to the fact that I have and have had for some time a fraud alert on my credit report with all 3 credit bureaus currently. I also have a security freeze on all 3 credit reports at XXXX, XXXX  and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name. My fraud alert clearly states that a lender must verify my identity at the phone number listed before any accounts can be opened. Also, if you look on their website at Kikoff.com under support center then credit score then article on does a security freeze affect Kikoffs ability to report payments or open new accounts? No, a security freeze does not impact our ability to report payments or open new accounts. If a customer has a security freeze on their credit, we will still report their kikoff payments. this is inuriating that they let someone open up an account in my name without verifying my identity even with a fraud alert and security freeze on all 3 of my credit reports.","date_sent_to_company":"2021-06-15T00:03:19.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"78260","tags":"Servicemember","has_narrative":true,"complaint_id":"4433341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kikoff Inc.","date_received":"2021-06-04T23:52:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The reason Kikoff lending llc should be punished and looked at is due to the fact that I <em>have</em> and <em>have</em> had for some time a <em>fraud</em> <em>alert</em> on my credit <em>report</em> with all 3 credit bureaus currently. I <em>also</em> <em>have</em> a <em>security</em> <em>freeze</em> on all 3 credit <em>reports</em> at XXXX, XXXX  and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[27.311316,"4433341"]},{"_index":"complaint-public-v1","_id":"6226991","_score":26.787949,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has 2 separate credit reports for me and has interlinked and confused items belonging to me and to my mother with a very similar names. However, my mother passed away last year. It is imperative Equifax immediately corrects this as I have experienced Identity Theft this year with numerous existing accounts and new accounts. \nIn addition, the previous company Equifax replied they have no record of fraud alerts Identity theft reports or security freezes on my account. This is a huge error as I have confirmation this was done on XXXX. Equifax has never been able to correctly report any tradelines as their communication between departments is in different languages. This needs to be updated and corrected NOW. \n\nWhen I called to confirm the fraud alert and security freeze, she also changed my email address. She had two email addresses so that may be the start of your issue in locating both files. I have attached the email confirmations I received. The fraud alert and freeze confirmation numbers given to me when I placed the alerts on XXXX are # XXXX my email was changed FROM XXXX TO XXXX. This is a massive issue considering you claim no freeze or alert still allowing reporting since XXXX. This needs to be corrected asap with the corrections listed in my previous complaint to the CFPB and the packet I mailed to your fraud department for the XXXX time on XXXX. I have included all Identity Theft affidavits and reports repeatedly supporting these to be removed. On XXXX I confirmed with the Equifax rep, I had extended the fraud alert, and security freeze and she said yes it was placed on XXXX. \n\nI just logged into the lock and alert feature online and it says credit report frozen. I have attached a screenshot with the status of frozen and user info. I also logged into MYEquifax and printed the screenshot verifying the fraud alert and frozen. My credit file needs to be fixed asap as numerous violations of rules and regulations causing huge issues for me.","date_sent_to_company":"2022-11-22T04:46:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32258","tags":null,"has_narrative":true,"complaint_id":"6226991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-22T03:56:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> included all Identity Theft affidavits and <em>reports</em> repeatedly supporting these to be removed. On XXXX I confirmed with the Equifax rep, I had extended the <em>fraud</em> <em>alert</em>, and <em>security</em> <em>freeze</em> and she said yes it was placed on XXXX. \n\nI just logged into the lock and <em>alert</em> feature online and it says credit <em>report</em> frozen. I <em>have</em> attached a screenshot with the status of frozen and user info. I <em>also</em> logged into MYEquifax and printed the screenshot verifying the <em>fraud</em> <em>alert</em> and frozen."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[26.787949,"6226991"]},{"_index":"complaint-public-v1","_id":"2417729","_score":26.72068,"_source":{"product":"Credit reporting","complaint_what_happened":"On XXXX XXXX, 2016 I placed a security freeze with Equifax, XXXX and XXXX. After the security freeze Equifax sent me a confirmation letter with the required PIN number. When I was trying to apply for a credit card and called them to lift it, they told me that there was no security freeze on my account, and that the name on the account was not my legal name. Given that my information was already compromised by a stolen wallet and on-going criminal investigation for financial identity theft I contacted them to change the legal name and place an additional security freeze. They requested a copy of my driver 's license and social security card which I faxed over. After about 2 weeks I received a confirmation that stated the name change was complete, but the changed name was incorrect and thus did not reflect the name provided on the documents. Moreover, on the same date I placed an initial fraud alert, and got a letter confirming it, they also later denied the placement of the fraud alert even though it is visible in the other credit bureaus and I received a confirmation letter. They still have n't gotten back to me about the additional security freeze and fraud alert and whether my information was accessible during the time in which I thought I had a security freeze. By providing the police reports I was able to place an extended 7 year fraud alert with XXXX and XXXX, but there still is no confirmation letter from Equifax. They are unhelpful about providing me information unless I buy their products, and when I try to I ca n't buy it. So far none of these issues have been resolved.","date_sent_to_company":"2017-04-04T16:37:48.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"60202","tags":null,"has_narrative":true,"complaint_id":"2417729","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-04-04T16:37:47.000Z","state":"IL","company_public_response":null,"sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["Moreover, on the same date I placed an initial <em>fraud</em> <em>alert</em>, and got a letter confirming it, they <em>also</em> later denied the placement of the <em>fraud</em> <em>alert</em> even though it is visible in the other credit bureaus and I received a confirmation letter. They still <em>have</em> n't gotten back to me about the additional <em>security</em> <em>freeze</em> and <em>fraud</em> <em>alert</em> and whether my information was accessible during the time in which I thought I had a <em>security</em> <em>freeze</em>."],"issue":["Incorrect information on credit <em>report</em>"]},"sort":[26.72068,"2417729"]},{"_index":"complaint-public-v1","_id":"8283176","_score":26.703249,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, After perusal of your company credit report, I felt the strong necessary to check whether your company still have the security freeze, because of the concern on the other credit report companies, which report content changes several times in short period. Therefore, I tried to log in your company website. As far as I remember, I could log in last time when I tried to add both/either extended fraud alert and/or security freeze about one month ago. However, today, when I tried to log in, I just could not. Even though your company stated to add the security freeze before other credit report companies advised me, your company continued to ask it again. Since I could not check whether I have both security freeze and extended fraud alert at your website, I have decided to send the necessary documents for them along with the necessary personal information. Also, I tried to create the account with your company website to check the security freeze and fraud alert, I could not make account from the beginning ; that meant I could not do anything for that process. \n\nSincerely,","date_sent_to_company":"2024-02-06T04:01:03.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"076XX","tags":null,"has_narrative":true,"complaint_id":"8283176","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-02-06T03:55:35.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Since I could not check whether I <em>have</em> both <em>security</em> <em>freeze</em> and extended <em>fraud</em> <em>alert</em> at your website, I <em>have</em> decided to send the necessary documents for them along with the necessary personal information. <em>Also</em>, I tried to create the account with your company website to check the <em>security</em> <em>freeze</em> and <em>fraud</em> <em>alert</em>, I could not make account from the beginning ; that meant I could not do anything for that process. \n\nSincerely,"],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[26.703249,"8283176"]},{"_index":"complaint-public-v1","_id":"4131899","_score":26.638515,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I previously filed CFPB complaint XXXX on XX/XX/2021 because an extended fraud alert was missing on my Transunion credit report. Transunion claimed to have fixed the problem and on XX/XX/2021 sent me a new credit report, which while including the extended fraud alert, was now missing my security freeze. As information that should have been in my credit report now appeared to be missing, I also decided to pull another copy of my Transunion credit report on XX/XX/2021. The XX/XX/2021 report was once again missing my extended fraud alert, which Transunion previously claimed to fix. It appears Transunion did not properly fix the report. My report should include three credit report messages : an extended fraud alert security alert, a security freeze, and a promotional opt out. The last three Transunion reports I have pulled have only included 2 out of the 3 messages.","date_sent_to_company":"2021-02-11T08:57:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20910","tags":null,"has_narrative":true,"complaint_id":"4131899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-11T03:44:48.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["The XX/XX/2021 <em>report</em> was once again missing my extended <em>fraud</em> <em>alert</em>, which Transunion previously claimed to fix. It appears Transunion did not properly fix the <em>report</em>. My <em>report</em> should include three credit <em>report</em> messages : an extended <em>fraud</em> <em>alert</em> <em>security</em> <em>alert</em>, a <em>security</em> <em>freeze</em>, and a promotional opt out. The last three Transunion <em>reports</em> I <em>have</em> pulled <em>have</em> only included 2 out of the 3 messages."],"issue":["Incorrect information on your <em>report</em>"],"sub_issue":["Information is missing that should be on the <em>report</em>"]},"sort":[26.638515,"4131899"]},{"_index":"complaint-public-v1","_id":"3162205","_score":25.988934,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The following is text from my letter dated XX/XX/XXXX to Experian memorializing what I had experienced to that point : \" Following the migration from XXXX XXXX XXXX credit monitoring service to Experians IDnotify monitoring service, I noticed an anomaly on my IDnotify report prompting me to activate a fraud alert with Experian while discussing the issue. This placed fraud alerts with XXXX and XXXX  as well. While on Experians website or automated phone system, I inadvertently added a security freeze. \n\nIn anticipation of a possible upcoming loan request upon the delivery of a recreational vehicle, I decided to remove the alerts and the freeze. After 3 hours on XX/XX/XXXX with Experian alone which included many failed attempts to upload the required documents, reaching a representative, answering the usual security questions, I was assured the alerts and freezes were removed. \n\nI then moved onto XXXX  and XXXX to also remove the alerts. Each contact took approximately 20 minutes and again I was assured the alerts and any freezes were not active. \n\nOn XX/XX/XXXX, I received a report letter, dated XX/XX/XXXX, from Experian # XXXX stating that a security alert had been placed by one or more of the nationwide consumer reporting companies. I also received a postcard from XXXX  also dated XX/XX/XXXX, saying they added a fraud alert that I requested. I only requested removal of one. \n\nToday, XX/XX/XXXX, I spent well over an hour trying to get help from Experian, eventually reaching XXXX after the call initially went overseas. He asked me to upload the documents and twice more the system failed. He explained a myriad of security reasons the system would fail. Ive heard from the way too many Experian reps that Ive spoken with that they system times out, too many attempts, black and white images, TIFFS and PDFs, nothing over 15MB All of which I abided by. Then he posed security questions of which I apparently failed. I will contend the data, your data, was incorrect. I answered, none of the above to all questions, for example the street I live on which I had already verified with him previously. Hence the reason, I now must send this request by regular mail. Note that I have never failed these questions before nor when I called XXXX  and XXXX  soon thereafter did I have issues validating my identity through their questions. \n\nOnce again, they have assured me that no alerts or freezes are on my account with them as of this writing. XXXX  had a new alert that they claim came from XXXX. XXXX  had no new alerts or freezes and no evidence that they initiated a new alert to XXXX. \n\nThat leaves you, Experian. Please remove any and all fraud alerts and security freezes to my account until such time that I request them on my own. '' On Saturday, XX/XX/XXXX I received Report # XXXX dated XX/XX/XXXX from Experian stating in the second paragraph, \" your personal credit report already displays a security freeze. '' Paragraph four states that they removed the fraud alerts as requested. Today is XX/XX/XXXX. Following 32 minutes on the initial phone call and transfers from XXXX XXXX, CA to XXXX XXXX, to XXXX XXXX ( I assume Texas ), I was disconnected upon transfer from XXXX ( no last name ) to XXXX ( no last ) name and no call back despite having provided by telephone number. This is not the first time I've been disconnected by Experian following literally tens of hours on the phone trying to resolve this issue. XXXX stated that there are \" no freezes on your credit report '' but that doesn't absolve this company of continued misinformation to consumers. \n\nAlso, please note that upon calling the XXXX XXXX telephone number back again, I was directed to write to their legal office as the CEO doesn't have any representatives other than call center supervisors to address issues such as this, per the switchboard operator.","date_sent_to_company":"2019-02-25T19:01:15.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"92648","tags":null,"has_narrative":true,"complaint_id":"3162205","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-02-25T17:48:34.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I then moved onto XXXX  and XXXX to <em>also</em> remove the <em>alerts</em>. Each contact took approximately 20 minutes and again I was assured the <em>alerts</em> and any <em>freezes</em> were not active. \n\nOn XX/XX/XXXX, I received a <em>report</em> letter, dated XX/XX/XXXX, from Experian # XXXX stating that a <em>security</em> <em>alert</em> had been placed by one or more of the nationwide consumer <em>reporting</em> companies. I <em>also</em> received a postcard from XXXX  <em>also</em> dated XX/XX/XXXX, saying they added a <em>fraud</em> <em>alert</em> that I requested."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[25.988934,"3162205"]},{"_index":"complaint-public-v1","_id":"3183801","_score":25.88021,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit. I would also like to cancel/remove any security freezes and/or fraud alerts. As of a result of whatever freeze, hold, or alert that Equifax has placed on my credit report. I am unable to get my a replacement XXXX credit card even though I have an active account with this company.","date_sent_to_company":"2019-03-19T07:07:57.000Z","issue":"Identity theft protection or other monitoring services","sub_product":"Other personal consumer report","zip_code":"75287","tags":null,"has_narrative":true,"complaint_id":"3183801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-03-19T03:04:28.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I would like to cancel/remove the consumer statement <em>alert</em> appearing on my consumer credit <em>report</em> and my credit <em>report</em> as it is hindering my application for credit. I would <em>also</em> like to cancel/remove any <em>security</em> <em>freezes</em> and/or <em>fraud</em> <em>alerts</em>. As of a result of whatever <em>freeze</em>, hold, or <em>alert</em> that Equifax has placed on my credit <em>report</em>. I am unable to get my a replacement XXXX credit card even though I <em>have</em> an active account with this company."],"sub_product":["Other personal consumer <em>report</em>"]},"sort":[25.88021,"3183801"]},{"_index":"complaint-public-v1","_id":"2906380","_score":25.760012,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. \nXXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$470.00} Last reported XX/XX/2018 Equifax XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. \nThere is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. \nI have sent letters to dispute issue and also disputed online for each creditor. \nThere is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.","date_sent_to_company":"2018-05-15T05:17:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30238","tags":null,"has_narrative":true,"complaint_id":"2906380","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-05-15T01:17:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am not sure if she is using my social <em>security</em> number but I had to put <em>fraud</em> <em>alerts</em> on my credit and <em>also</em> <em>security</em> <em>freezes</em>. I just need this issue resolved. \nI <em>have</em> sent letters to dispute issue and <em>also</em> disputed online for each creditor. \nThere is someone with the same name is me living in Georgia. I am not sure if she is using my social <em>security</em> number but I had to put <em>fraud</em> <em>alerts</em> on my credit and <em>also</em> <em>security</em> <em>freezes</em>. I just need this issue resolved."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[25.760012,"2906380"]},{"_index":"complaint-public-v1","_id":"2906379","_score":25.644947,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. \nXXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX   XXXX XXXX {$470.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. \nThere is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. \nI have sent letters to dispute issue and also disputed online for each creditor. \nThere is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.","date_sent_to_company":"2018-05-15T05:17:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30238","tags":null,"has_narrative":true,"complaint_id":"2906379","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-05-15T00:58:02.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am not sure if she is using my social <em>security</em> number but I had to put <em>fraud</em> <em>alerts</em> on my credit and <em>also</em> <em>security</em> <em>freezes</em>. I just need this issue resolved. \nI <em>have</em> sent letters to dispute issue and <em>also</em> disputed online for each creditor. \nThere is someone with the same name is me living in Georgia. I am not sure if she is using my social <em>security</em> number but I had to put <em>fraud</em> <em>alerts</em> on my credit and <em>also</em> <em>security</em> <em>freezes</em>. I just need this issue resolved."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[25.644947,"2906379"]},{"_index":"complaint-public-v1","_id":"3244155","_score":25.484926,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been in contact with all three major credit bureaus to request \" CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request \" REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX   XXXX '' and \" RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.","date_sent_to_company":"2019-05-16T07:15:17.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"3244155","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-16T07:15:12.000Z","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 <em>have</em> been in contact with all three major credit bureaus to request \" CREDIT <em>FREEZE</em>/ <em>FRAUD</em>? <em>SECURITY</em> <em>ALERTS</em> '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get <em>alerts</em>/<em>freezes</em> removed they removed a positive/ open account."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[25.484926,"3244155"]},{"_index":"complaint-public-v1","_id":"5476300","_score":25.44773,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been going back and forth with Experian in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. The crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with Experian to add the extra layers of protection to prevent fraudulent activity on my consumer report. Experian has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. Experian has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can Experian have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue Experian first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. I am requesting EXperian remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of Experian for fraud and crimes they comitting and the violation of the FCRA. Please delete : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account # XXXX. Please delete : 1XXXX XXXX XXXX XXXX- Inquiry dateXXXX 2. XXXX XXXX XXXX XXXX Inquiry DateXXXX 3. XXXX XXXXInquiry Date:XXXX 4.XXXX XXXX XXXX- Inquiry dateXXXX These are unauthorized please remove immediately and comply with FCRA which is also the rules Experian suppose to abide by XXXX","date_sent_to_company":"2022-04-21T14:31:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77053","tags":null,"has_narrative":true,"complaint_id":"5476300","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-04-21T14:24:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Due to the rules and regulations of their offered <em>fraud</em> <em>alert</em> and <em>security</em> <em>freeze</em> program gave me a peace of mind knowing I took extra measures and obtained the <em>fraud</em> <em>alert</em> and <em>security</em> <em>freeze</em> that it would lower the risk of me being an identity theft victim again."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[25.44773,"5476300"]},{"_index":"complaint-public-v1","_id":"5471121","_score":25.44773,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been going back and forth with XXXX in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. \nThe crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with XXXX to add the extra layers of protection to prevent fraudulent activity on my consumer report. XXXX has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. XXXX has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can XXXX have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue XXXX first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. \nI am requesting XXXX remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of XXXX for fraud and crimes they comitting and the violation of the FCRA. \nPlease delete : 1. XXXX XXXX XXXX- account # XXXX 2. XXXX XXXX XXXX account # XXXX. \nPlease delete : 1XXXX XXXX XXXX XXXX Inquiry date:XXXX 2. XXXX XXXX  XXXX XXXX Inquiry Date:XXXX 3. XXXX XXXXInquiry Date:XXXX XXXX XXXX XXXX- Inquiry date:XXXX  These are unauthorized please remove immediately and comply with FCRA which is also the rules XXXX suppose to abide by XXXX","date_sent_to_company":"2022-04-20T16:04:38.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77053","tags":null,"has_narrative":true,"complaint_id":"5471121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-04-20T14:28:25.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I know by <em>having</em> the <em>freeze</em> and <em>fraud</em> <em>alert</em> on my consumer <em>report</em> that if anyone would be applying for credit using my social the business would <em>have</em> to call me in the process and verify that it was me applying for credit before running my information. XXXX has failed me significantly they allowed me to become an identity theft victim again despite me <em>having</em> the <em>fraud</em> <em>alert</em> and <em>security</em> <em>freeze</em>."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[25.44773,"5471121"]},{"_index":"complaint-public-v1","_id":"3244150","_score":25.441763,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been in contact with all three major credit bureaus to request \" CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request \" REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and \" RE-INSERT OF XXXX XXXX XXXX ''. Supporting documentation is attached.","date_sent_to_company":"2019-05-16T07:15:17.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"3244150","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-16T07:15:12.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I <em>have</em> been in contact with all three major credit bureaus to request \" CREDIT <em>FREEZE</em>/ <em>FRAUD</em>? <em>SECURITY</em> <em>ALERTS</em> '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get <em>alerts</em>/<em>freezes</em> removed they removed a positive/ open account."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[25.441763,"3244150"]},{"_index":"complaint-public-v1","_id":"3244152","_score":25.439182,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been in contact with all three major credit bureaus to request \" CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request \" REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and \" RE-INSERT OF XXXX XXXX MORTGAGE ''. Supporting documentation is attached.","date_sent_to_company":"2019-05-16T07:15:04.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"60617","tags":null,"has_narrative":true,"complaint_id":"3244152","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-05-16T06:58:16.000Z","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 <em>have</em> been in contact with all three major credit bureaus to request \" CREDIT <em>FREEZE</em>/ <em>FRAUD</em>? <em>SECURITY</em> <em>ALERTS</em> '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get <em>alerts</em>/<em>freezes</em> removed they removed a positive/ open account."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[25.439182,"3244152"]},{"_index":"complaint-public-v1","_id":"4405112","_score":25.409334,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ChexSystems reports to banks and credit unions that there is a security freeze on file. I have removed my fraud alerts from every company involved. Also I never had a freeze with ChexSystems. I dont appreciate the employees half doing their jobs by stating that I dont have a freeze with ChexSystems but fail to realize that credit unions and bank say otherwise.","date_sent_to_company":"2021-05-25T20:55:17.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"72120","tags":null,"has_narrative":true,"complaint_id":"4405112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2021-05-25T20:45:23.000Z","state":"AR","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":["ChexSystems <em>reports</em> to banks and credit unions that there is a <em>security</em> <em>freeze</em> on file. I <em>have</em> removed my <em>fraud</em> <em>alerts</em> from every company involved. <em>Also</em> I never had a <em>freeze</em> with ChexSystems. I dont appreciate the employees half doing their jobs by stating that I dont <em>have</em> a <em>freeze</em> with ChexSystems but fail to realize that credit unions and bank say otherwise."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[25.409334,"4405112"]},{"_index":"complaint-public-v1","_id":"2702312","_score":25.011475,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax Security Freeze Experience : I requested a Security Freeze from Equifax. Certified letter was mailed XX/XX/XXXX and delivered XX/XX/XXXX. ( USPS Certified Letter # XXXX XXXX XXXX XXXX XXXX ). Today ( XX/XX/XXXX ) I receive a letter from Equifax giving me an Extended Credit Fraud Alert, which is not the same as Security Freeze. The title of the page I sent them in large bold print was \" Security Freeze Request to Equifax. '' I had been the victim of identity fraud for which I had filed a Police Report ( XXXX XXXXXXXX XXXX ) in XXXX County last year, which should allow me to receive free security freezes and free temporary security freeze lifts indefinitely. A copy of this Police Report as well as copies of my Driver 's License ( both sides ) and two utility bills were included in the envelope with the form requesting the Security Freeze. With this documentation and the specific titled page requesting Security Freeze there was no uncertainty that I wanted a Security Freeze and not an extended fraud alert. The form requesting the Security Freeze was completed by me and included my name, address, social security number, and birthdate. I also added to it that there was a copy of the police identity theft report, the number of that report, and my phone number. \n\nI called them today between XXXX and XXXX XXXX and I can not talk to a person until Monday. They should have 24/7 telephone support after their irresponsibility and negligence. And their arrogance in not honoring my Security Freeze request is unacceptable. This company should be fined billions of dollars and told they can no longer function in this segment of business. Diversify into something else or die as a company. \n\nI do not want to take the so-called free Security Freeze they offer on the phone because they imply after XX/XX/XXXX that state fees would then apply to the their free version of a security freeze. I do no want pay {$10.00} every time I suspend and every time I reinstate the security freeze. \n\nThis company should not get away with their behavior in my case, nor avoid harsh financial and legally restrictive repercussions on the federal level.","date_sent_to_company":"2017-10-15T18:07:07.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"97267","tags":null,"has_narrative":true,"complaint_id":"2702312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-10-15T16:19:23.000Z","state":"OR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Equifax <em>Security</em> <em>Freeze</em> Experience : I requested a <em>Security</em> <em>Freeze</em> from Equifax. Certified letter was mailed XX/XX/XXXX and delivered XX/XX/XXXX. ( USPS Certified Letter # XXXX XXXX XXXX XXXX XXXX ). Today ( XX/XX/XXXX ) I receive a letter from Equifax giving me an Extended Credit <em>Fraud</em> <em>Alert</em>, which is not the same as <em>Security</em> <em>Freeze</em>."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[25.011475,"2702312"]},{"_index":"complaint-public-v1","_id":"3512141","_score":24.894098,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I applied for XXXX savings account. Acc. to them, I have placed a security/fraud alert with Equifax that is still active. Therefore, they state, they could not verify my identity and denied the application ( for a savings account of all things ). I contacted Equifax to inquire about such fraud alert or security freeze. A rep named XXXX at their XXXX location picked up the phone after 45 minutes of waiting time. XXXX 's XXXX wasn't very good. She asked about 7 security questions to which I provided the answers while looking at my online statements with the different creditors. As I became frustrated with the excessive \" process, '' XXXX became hostile. She then told me that I have failed the security \" process '' and she can't give me the answer about the alleged fraud alert. And there is nothing I can do, she added. I asked to speak to her supervisor. Supervisor XXXX came to the phone, ID # XXXX ( after much questioning ) -- acc. to XXXX, there is nothing she can do and I must write to several locations of Equifax to ask them about the security alert. I told her that XXXX must have inserted the incorrect information or must be dishonest about me failing their \" procedure. '' XXXX was unable to explain to me the \" procedure. '' ALL IN ALL, IT TOOK ONE HOUR AND 57 MINUTES. WHAT A MONUMENTAL WASTE OF TIME. I ALSO TRIED TO RESOLVE ONLINE THE ISSUE OF POSSIBLE ( AND UNAUTHORIZED ) SECURITY ALERT. XXXX AND/OR XXXX HAVE MADE SURE TO BLOCK MY ACCESS. \n\nPLEASE CONTACT EQUIFAX ON MY BEHALF AND ASK THEM TO REMOVE ANY ALERT OR FREEZE THAT MAY EXIST ON MY FILE. I DON'T RECALL EVER PLACING SUCH ALERT/FREEZE. \n\nI ALSO WOULD LIKE TO OPT FROM REPORTING WITH EQUIFAX GIVEN THE DISHONEST AND UNPROFESSIONAL CONSUMER SERVICE. \n\nI APPRECIATE YOUR KIND ASSISTANCE WITH THIS URGENT MATTER. \nTHANK YOU, XXXX XXXX XXXX, XXXX, XXXX.","date_sent_to_company":"2020-01-28T21:04:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33328","tags":null,"has_narrative":true,"complaint_id":"3512141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-01-28T20:43:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I <em>ALSO</em> TRIED TO RESOLVE ONLINE THE ISSUE OF POSSIBLE ( AND UNAUTHORIZED ) <em>SECURITY</em> <em>ALERT</em>. XXXX AND/OR XXXX <em>HAVE</em> MADE SURE TO BLOCK MY ACCESS. \n\nPLEASE CONTACT EQUIFAX ON MY BEHALF AND ASK THEM TO REMOVE ANY <em>ALERT</em> OR <em>FREEZE</em> THAT MAY EXIST ON MY FILE. I DON'T RECALL EVER PLACING SUCH <em>ALERT</em>/<em>FREEZE</em>. \n\nI <em>ALSO</em> WOULD LIKE TO OPT FROM <em>REPORTING</em> WITH EQUIFAX GIVEN THE DISHONEST AND UNPROFESSIONAL CONSUMER SERVICE. \n\nI APPRECIATE YOUR KIND ASSISTANCE WITH THIS URGENT MATTER."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[24.894098,"3512141"]},{"_index":"complaint-public-v1","_id":"3474816","_score":24.794067,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have two inquiries from XXXX XXXX on my credit report for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. \n\nAlso there should be no security freeze, fraud alert, or any type of similar security measure on my credit report. Remove everything that will freeze or delay a credit application being accepted. \n\nI have let Equifax know but they have not removed them, instead they sent me info to send in my proof of social and address. \n\nI did this and still nothing happened.","date_sent_to_company":"2019-12-21T16:36:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33334","tags":"Servicemember","has_narrative":true,"complaint_id":"3474816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-12-21T16:21:58.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> two inquiries from XXXX XXXX on my credit <em>report</em> for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. \n\n<em>Also</em> there should be no <em>security</em> <em>freeze</em>, <em>fraud</em> <em>alert</em>, or any type of similar <em>security</em> measure on my credit <em>report</em>. Remove everything that will <em>freeze</em> or delay a credit application being accepted. \n\nI <em>have</em> let Equifax know but they <em>have</em> not removed them, instead they sent me info to send in my proof of social and address. \n\nI did this and still nothing happened."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[24.794067,"3474816"]},{"_index":"complaint-public-v1","_id":"3474818","_score":24.721533,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have two inquiries from Capital One on my credit report for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. \n\nAlso there should be no security freeze, fraud alert, or any type of similar security measure on my credit report. Remove everything that will freeze or delay a credit application being accepted. \n\nI have let XXXX  know but they have not removed them, instead they sent me info to send in my proof of social and address. \n\nI did this and still nothing happened.","date_sent_to_company":"2019-12-21T16:36:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33334","tags":"Servicemember","has_narrative":true,"complaint_id":"3474818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-12-21T16:36:25.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I <em>have</em> two inquiries from Capital One on my credit <em>report</em> for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. \n\n<em>Also</em> there should be no <em>security</em> <em>freeze</em>, <em>fraud</em> <em>alert</em>, or any type of similar <em>security</em> measure on my credit <em>report</em>. Remove everything that will <em>freeze</em> or delay a credit application being accepted. \n\nI <em>have</em> let XXXX  know but they <em>have</em> not removed them, instead they sent me info to send in my proof of social and address. \n\nI did this and still nothing happened."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[24.721533,"3474818"]},{"_index":"complaint-public-v1","_id":"5946579","_score":24.557049,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax, put and XXXX XXXX on my credit report without my consent. I sent them and copy my social security card # my Driver License #, my XXXX. I did everything that Equifax asked me to do and they still kept a Fraud Alert on my credit. Also I got and email from XXXX, on XX/XX/2022 at XXXX am saying the they place and XXXX alert on my credit. I did ask XXXX to place and XXXX XXXX on my credit,. I spoke with two XXXX agents on Friday XX/XX/2022 and aske if I have and Freezes and Fraud Alert on my credit and the agent confirmed that I had no Alerts or Freese on my credit. I also called XXXX and was told the same result that on alerts or freezes was on my credit. I was trying to get cell phone carrier XXXX XXXX XXXX and when they ran my credit it's and hold on my social security number my credit won't go though. I have been going though this for two weeks. Now XXXX want 's me to write to them to have the XXXX XXXX removed that is not fair to me when I didn ; t ask them to put the alert on my credit. Please help me XXXX XXXX XXXX ) XXXX","date_sent_to_company":"2022-09-26T13:25:02.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"945XX","tags":"Older American","has_narrative":true,"complaint_id":"5946579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-03T22:11:44.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I spoke with two XXXX agents on Friday XX/XX/2022 and aske if I <em>have</em> and <em>Freezes</em> and <em>Fraud</em> <em>Alert</em> on my credit and the agent confirmed that I had no <em>Alerts</em> or Freese on my credit. I <em>also</em> called XXXX and was told the same result that on <em>alerts</em> or <em>freezes</em> was on my credit. I was trying to get cell phone carrier XXXX XXXX XXXX and when they ran my credit it's and hold on my social <em>security</em> number my credit won't go though. I <em>have</em> been going though this for two weeks."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[24.557049,"5946579"]},{"_index":"complaint-public-v1","_id":"7372488","_score":24.534159,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Theft via Capital One who allowed an account created in my name on XXXX. \n\nI was alerted and they canceled the account, saying was FRAUD. \n\nBut they have Hard Inquiries on my account from that day. I put FRAUD ALERT on all Credit Bureas ; however they allowed another HARD INQUIRY on XXXX. \n\nThey say it takes a lot of time to remove these things, but XXXX finally told me to file this report. \n\nThey should be sued for allowing a second attempt without calling me due to the FRAUD ALERT, which is also now a Security Freeze. \n\nThank you kindly, XXXX XXXX","date_sent_to_company":"2023-08-09T14:58:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95747","tags":null,"has_narrative":true,"complaint_id":"7372488","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-08-09T14:40:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I was <em>alerted</em> and they canceled the account, saying was <em>FRAUD</em>. \n\nBut they <em>have</em> Hard Inquiries on my account from that day. I put <em>FRAUD</em> <em>ALERT</em> on all Credit Bureas ; however they allowed another HARD INQUIRY on XXXX. \n\nThey say it takes a lot of time to remove these things, but XXXX finally told me to file this <em>report</em>. \n\nThey should be sued for allowing a second attempt without calling me due to the <em>FRAUD</em> <em>ALERT</em>, which is <em>also</em> now a <em>Security</em> <em>Freeze</em>. \n\nThank you kindly, XXXX XXXX"]},"sort":[24.534159,"7372488"]},{"_index":"complaint-public-v1","_id":"2669937","_score":24.22774,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I was alerted by the news media that Equifax experienced a cyber security hack on XXXX XXXX, XXXX. I used their provided website XXXX to see if my information was compromised and the response I received was \" Based on the information provided, we believe that your personal information may have been impacted by this incident ... Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit reporting with XXXX XXXX Freeze, Equifax XXXX XXXX, XXXX XXXX Freeze, and XXXX XXXX Freeze. I have also requested a free fraud alert with Equifax to be reported to all other credit reporting agencies.","date_sent_to_company":"2017-09-12T14:18:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60004","tags":null,"has_narrative":true,"complaint_id":"2669937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-12T13:44:18.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit <em>reporting</em> with XXXX XXXX <em>Freeze</em>, Equifax XXXX XXXX, XXXX XXXX <em>Freeze</em>, and XXXX XXXX <em>Freeze</em>. I <em>have</em> <em>also</em> requested a free <em>fraud</em> <em>alert</em> with Equifax to be <em>reported</em> to all other credit <em>reporting</em> agencies."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[24.22774,"2669937"]},{"_index":"complaint-public-v1","_id":"7486586","_score":24.183094,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There are specific outlines, laws and procedures that govern Credit Reporting Agencies, which is what TransUnion is.\n\nAfter 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] Information can be found on how a credit reporting agency is supposed to behave under the law, including maintaining security freezes placed by the consumer and also the maintenance of a properly working webpage for consumers to use. \nPlease review this information as TransUnion has broken many of these laws in my case, including continuing to choose to report fraudulent information on my credit report despite being notified multiple times, failure to maintain my credit freeze in XXXX XXXX XXXX  ( U.S.C. 1681c-1 ( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ) allowing a fraudulent loan to be placed on my credit report. \n\nAnd lastly, not maintaining a functioning webpage as outlined in the FCRA 605A - 15 U.S.C. 1681c-1 ( 6 ) Webpage.\n\n( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.\n\nCurrently, right now, TransUnion 's webpage/website is inoperable. It does not function to the standard set for CRAs in the law. \nTransUnion unfroze my credit in XXXX XXXX XXXX. I did not request my credit be unfrozen. That is why both XXXX and XXXX have no record of this fraudulent loan. \nI did not authorize this. That goes against the laws that oversee TransUnion. \nRemove the fraudulent items from my credit report with TransUnion. This includes the loan and inquiries by Dividend Finance. \nTransUnion was made aware of this error. Their website was not functioning at all this year, but I found ways to reach out to them including emails, contact via XXXX ( which no longer works either ), and handwriting letters to them to let them know they have this security issue and my credit had become unfrozen without my consent- allowing a fraudulent loan to be placed on ( only ) my TransUnion report by using identity theft via a forged XXXX document. \nDespite being informed of this, multiple times, TransUnion sided with the fraud. Even though they had been notified by myself, the consumer, that my credit was supposed to be frozen at the time, I did not sign the loan document, and I never even received the product/service the loan was for. \nTransUnion chose to keep reporting the fraud and keep placing the item from identity theft on my TransUnion report. \nThey have done this now four times. \nTransUnion is not a reputable company and they do not follow the laws that govern Credit Reporting Agencies.","date_sent_to_company":"2023-09-02T01:23:59.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"32606","tags":"Servicemember","has_narrative":true,"complaint_id":"7486586","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-02T00:59:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["There are specific outlines, laws and procedures that govern Credit <em>Reporting</em> Agencies, which is what TransUnion is.\n\nAfter 605A.Identity theft prevention ; <em>fraud</em> <em>alerts</em> and active duty <em>alerts</em> [ 15 U.S.C. 1681c-1 ] Information can be found on how a credit <em>reporting</em> agency is supposed to behave under the law, including maintaining <em>security</em> <em>freezes</em> placed by the consumer and <em>also</em> the maintenance of a properly working webpage for consumers to use."],"issue":["Problem with <em>fraud</em> <em>alerts</em> or <em>security</em> freezes"]},"sort":[24.183094,"7486586"]},{"_index":"complaint-public-v1","_id":"21469820","_score":23.984818,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding U.S. Banks failure to prevent a fraudulent checking account from being opened in my name, despite active fraud alerts, freezes, and prior notice of identity theft involving my Social Security number. \n\nApproximately XXXX months before XX/XX/year>, U.S. Bank contacted me regarding an attempted checking account opening under my Social Security number. At that time, the bank recognized and acknowledged the fraud alerts, freezes, and security protections in place on all three of my credit reports and on my ChexSystems report. Because those protections were in place, U.S. Bank contacted me before any account was opened, and I confirmed that I did not open the account. U.S. Bank acknowledged that the attempt was fraudulent. \n\nThen on XX/XX/year>, U.S. Bank allowed another checking account to be fully opened in my name. This time, I was not contacted before the account was opened. I was only contacted afterward with a message thanking me for opening a checking account. This occurred even though the same fraud alerts, freezes, and security protections were still in place on all three of my credit reports and on my ChexSystems report. \n\nI reviewed my ChexSystems file, and it reflects that I had both a fraud alert and a freeze in place. It also does not show that this account was verified through ChexSystems. Less than XXXX months after U.S. Bank recognized that my Social Security number had been used in a fraudulent attempted account opening, the bank allowed another account to be opened in my name without following the same security and verification procedures it had used the first time. \n\nI am seriously concerned that if U.S. Bank is not held legally accountable, this will happen again. This repeated failure has caused significant mental and physical strain, worsened existing health issues, caused loss of sleep, and placed an ongoing burden on my health, time, and ability to function day to day. I have already been dealing with serious physical and mental health issues for the past XXXX years, and this situation has made those issues worse. \n\nU.S. Bank is also requiring affidavits and out-of-pocket notary costs from me to fix a fraudulent account that should never have been opened in the first place. I do not believe I should be forced to spend money to correct a problem caused by U.S. Banks failure to follow proper security, verification, and fraud-prevention procedures. \n\nI dispute this account in full, deny any responsibility for it, and request written confirmation that the account is fraudulent, that I am not liable for any transactions, fees, or consequences tied to it, and that any related records or reporting will be corrected or removed.","date_sent_to_company":"2026-04-22T03:23:13.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"93635","tags":null,"has_narrative":true,"complaint_id":"21469820","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2026-04-22T03:04:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["This occurred even though the same <em>fraud</em> <em>alerts</em>, <em>freezes</em>, and <em>security</em> protections were still in place on all three of my credit <em>reports</em> and on my ChexSystems <em>report</em>. \n\nI reviewed my ChexSystems file, and it reflects that I had both a <em>fraud</em> <em>alert</em> and a <em>freeze</em> in place. It <em>also</em> does not show that this account was verified through ChexSystems. Less than XXXX months after U.S."]},"sort":[23.984818,"21469820"]},{"_index":"complaint-public-v1","_id":"14244016","_score":23.791023,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have a security freeze and as well as fraud alerts on all three credit bureaus. I also have a security freeze with XXXX and as well as with XXXX XXXX. Ive never given any person ( s ) nor entity, nor subsidiary or agents or assignee of a financial institution obligation to use or share or sell my personal information. Since I have a freeze and fraud alerts with all the companies that Ive mentioned I dont know how this organization obtained my personal information without my consent nor knowledge. This is pertaining to this company called LVNV Funding LLC account XXXX totaling some debts of {$22000.00} according to my credit report that Ive never initiated or applied for this loan as of the date XXXX. I dont know how they got my information however according to U.S.C . Ss 1681s-2 I am requesting that this company be removed immediately and indefinitely from all of my credit reports. I would like to enable consumer law 605B block 15 U.S.C Ss 1681c-2 effective immediately. Thank you for you time.","date_sent_to_company":"2025-06-23T18:03:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"14244016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-06-23T17:23:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I <em>have</em> a <em>security</em> <em>freeze</em> and as well as <em>fraud</em> <em>alerts</em> on all three credit bureaus. I <em>also</em> <em>have</em> a <em>security</em> <em>freeze</em> with XXXX and as well as with XXXX XXXX. Ive never given any person ( s ) nor entity, nor subsidiary or agents or assignee of a financial institution obligation to use or share or sell my personal information."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Credit inquiries on your <em>report</em> that you don't recognize"]},"sort":[23.791023,"14244016"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":913,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":913}]}},"product":{"doc_count":913,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":388,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":380},{"key":"Other personal consumer report","doc_count":8}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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