{"took":458,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":14,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10112858","_score":13.930684,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues.\n\n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.\n\nThis version expands on the legal framework, provides more legal references, and makes stronger arguments about why electronic access is essential for your situation. Let me know if youd like to adjust or add anything further!","date_sent_to_company":"2024-09-13T18:39:34.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10112858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T18:31:28.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.930684,"10112858"]},{"_index":"complaint-public-v1","_id":"10129163","_score":13.920214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the Issue : I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. \n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section. \n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly. \n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase. \n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility. \n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation. \n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data. \n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of XXXX which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \nXXXX. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors. \n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions. \n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T20:17:40.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10129163","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T19:34:38.000Z","state":"PR","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.920214,"10129163"]},{"_index":"complaint-public-v1","_id":"10129032","_score":13.920214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. Under 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section. In addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly. Denying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase. Furthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility. Additionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences. Finally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation. Additional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data. 2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals. 3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. 4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors. 5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions. Conclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T21:40:00.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10129032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T21:39:57.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals. 3."]},"sort":[13.920214,"10129032"]},{"_index":"complaint-public-v1","_id":"10129007","_score":13.920214,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. \n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues.\n\n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T21:39:49.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10129007","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T20:59:55.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.920214,"10129007"]},{"_index":"complaint-public-v1","_id":"10128942","_score":13.919327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax XXXX XXXX of XXXX, which exposed sensitive information of XXXX XXXX Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T23:38:04.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10128942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T23:03:56.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.919327,"10128942"]},{"_index":"complaint-public-v1","_id":"10128921","_score":13.919327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the Issue : I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues.\n\n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T20:17:52.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10128921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T20:17:49.000Z","state":"PR","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.919327,"10128921"]},{"_index":"complaint-public-v1","_id":"10113309","_score":13.919327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues.\n\n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.\n\nThis version expands on the legal framework, provides more legal references, and makes stronger arguments about why electronic access is essential for your situation. Let me know if youd like to adjust or add anything further!","date_sent_to_company":"2024-09-13T18:39:46.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10113309","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T18:39:42.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.919327,"10113309"]},{"_index":"complaint-public-v1","_id":"10129406","_score":13.911274,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested.\n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly.\n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase.\n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility.\n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax XXXX XXXX of XXXX, which exposed sensitive information of XXXX XXXX Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions.\n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T23:38:15.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10129406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T23:38:11.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.911274,"10129406"]},{"_index":"complaint-public-v1","_id":"10129109","_score":13.871095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Description of the Issue : I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. \n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section.\n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly. \n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase. \n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility. \n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences.\n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation.\n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data. \n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals.\n\n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of 2017, which exposed sensitive information of 147 million Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors.\n\n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions. \n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership.","date_sent_to_company":"2024-09-15T20:17:52.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"10129109","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-15T20:17:49.000Z","state":"PR","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals.\n\n3."]},"sort":[13.871095,"10129109"]},{"_index":"complaint-public-v1","_id":"10113431","_score":13.871095,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint due to Equifaxs continued denial of electronic access to my credit report, which is essential for my efforts to purchase a home. Despite having my password, I am consistently being locked out of my Equifax account, receiving an error message instructing me to call Customer Care. I have contacted Equifax Customer Care numerous times, but they have failed to restore access to my account or provide my credit report electronically, as requested. \n\nUnder 15 U.S.C. 1681g ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to one free credit report annually through the channel of my choosing, which in this case is electronic access. This right includes access through online platforms maintained by credit reporting agencies such as Equifax. Denying me access to my report electronically, while still controlling my account, violates this section. \n\nIn addition, 15 U.S.C. 1681j ( b ) reinforces my right to choose how I wish to receive my credit report. It states that the credit reporting agency should provide the report at no charge and in the format that is accessible and convenient to the consumer. In my case, that means I need to access the report online for the purposes of managing disputes and correcting inaccuracies promptly. \n\nDenying electronic access further interferes with my ability to dispute errors and exercise my rights under 15 U.S.C. 1681i ( a ) ( 1 ), which mandates that I have the right to dispute inaccurate or incomplete information. A reasonable reinvestigation of disputed items must be performed within 30 days. However, Equifaxs actions in denying me access to my account are effectively preventing me from making these disputes electronically, delaying the correction of my credit report, and impacting my ability to proceed with my home purchase. \n\nFurthermore, Equifax is violating the Dodd-Frank Wall Street Reform and Consumer Protection Act, which emphasizes the need for transparency and accountability in the handling of consumer information. Section 1032 of this Act mandates that disclosures and information must be made available in a manner understandable and accessible to the consumer. By denying me online access to my credit report, Equifax is failing to meet this standard of transparency and accessibility. \n\nAdditionally, 15 U.S.C. 1681b ( a ) specifies that I have a right to access my credit report for legitimate purposes, including reviewing my own report. Since I am preparing for a home purchase, this is a legitimate financial decision that requires immediate and efficient access to my report, which should be provided electronically in line with modern technology and consumer preferences. \n\nFinally, under 15 U.S.C. 1681c-2 ( a ), I have the right to block certain information that has been reported due to identity theft or inaccuracies. If I can not access my credit report electronically, I am unable to block inaccurate information, which delays the resolution of disputes and harms my creditworthiness in a critical time-sensitive situation. \n\nAdditional Arguments : 1. Speed and Efficiency : Online access is crucial for promptly addressing issues on my credit report. Delaying access or requiring mailed copies adds unnecessary delays to correcting errors, a critical issue as I am in the process of securing a mortgage for home purchase. In todays digital age, electronic access is the industry standard for fast, secure, and transparent handling of personal financial data.\n\n2. Security Concerns : Mailing a physical copy of my credit report, as opposed to allowing secure electronic access, introduces unnecessary security risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on security freezes affirm the need for secure handling of consumer data to prevent identity theft, which online access better supports through encryption and secure portals. \n3. Equifax Data Breach : Equifax has a well-documented history of data breaches, and electronic access is crucial for me to monitor my credit information consistently. The Equifax Cybersecurity Incident of XXXX, which exposed sensitive information of XXXX XXXX Americans, highlights the importance of consumers being able to quickly and regularly monitor their credit reports online to prevent further damage and identify potential issues. \n4. Burden of Proof and Reinvestigation : Denying me access to dispute items online also impacts the legal timelines within which Equifax is required to act. Under 15 U.S.C. 1681i ( a ) ( 2 ), a credit reporting agency must notify the information furnisher ( creditor ) of a dispute within 5 business days. Without immediate online access, my ability to submit disputes and initiate this process is delayed, further extending the time it takes to resolve these errors. \n5. Electronic Commerce Promotion : In alignment with the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ), consumers have the right to request and consent to receive records electronically. Equifaxs refusal to provide my report electronically is a breach of this Act, which promotes the use of electronic communications and records in consumer transactions. \n\nConclusion : Equifaxs failure to provide electronic access to my account and my free credit report violates the Fair Credit Reporting Act ( FCRA ), Dodd-Frank Act, E-Sign Act, and various sections of U.S. Code regarding credit reporting rights. I request that the CFPB intervene to ensure that Equifax complies with my right to access my report electronically and without delay, so I may proceed with the correction of errors as I pursue homeownership. \n\nThis version expands on the legal framework, provides more legal references, and makes stronger arguments about why electronic access is essential for your situation. Let me know if youd like to adjust or add anything further!","date_sent_to_company":"2024-09-13T18:39:46.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"99705","tags":null,"has_narrative":true,"complaint_id":"10113431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-13T18:39:42.000Z","state":"AK","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["<em>Security</em> Concerns : Mailing a physical copy of my credit report, as opposed to allowing <em>secure</em> electronic access, introduces unnecessary <em>security</em> risks, including potential identity theft from lost or misdelivered mail. 15 U.S.C. 1681c-1 ( a ) and related sections on <em>security</em> <em>freezes</em> <em>affirm</em> the <em>need</em> for <em>secure</em> handling of consumer data to prevent identity theft, which online access better supports through encryption and <em>secure</em> portals. \n3."]},"sort":[13.871095,"10113431"]},{"_index":"complaint-public-v1","_id":"12617892","_score":10.098296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion has willfully violated multiple provisions of the Fair Credit Reporting Act. I have been completely blocked from accessing my credit file through both XXXX on XX/XX/XXXX and TransUnions own portal for 2 years, in direct violation of FCRA 1681j ( a ) and 1681g ( a ), which guarantee consumer access to their report and full file disclosures. This is not a system-wide technical issue, as others in my householdincluding my roommateare able to access their full TransUnion reports , dispute items, and manage credit freezes using the same network, browser, and device. TransUnions claim that the issue is technical is provably false, and the pattern of behavior strongly indicates retaliation for prior disputes and complaints Ive filed, including with the CFPB. \n\nI have submitted over five disputes on the same inaccurate items, and TransUnion has failed to correct or remove the information. They continue to label the data as verified without providing any of the legally required documentationsuch as a wet signature, original application, or any proof of authorizationas mandated under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Since the 30-day dispute window has long passed without proper resolution, FCRA 1681i ( a ) ( 5 ) ( A ) requires that the inaccurate and unverifiable data be immediately deleted, not continued. Courts have affirmed this in XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), finding that continued reporting after failed or sham disputes violates the FCRA. \n\nTo escalate matters further, TransUnion has mailed my personal credit dataincluding my Social Security number and full reportto an unauthorized and unknown address, rather than delivering it securely through their portal or the CFPB system. This puts me at clear risk for identity theft and violates FCRA 1681e ( a ), which requires CRAs to use reasonable procedures to ensure data is shared only with authorized recipients. In XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), courts held that CRAs can be held liable for failing to secure sensitive consumer information and sending it to improper destinations. \n\nThese repeated, intentional acts reflect not just negligence but a coordinated pattern of misconduct, suppressing dispute rights, obstructing lawful access, and protecting furnishers in violation of consumer law. As a federally regulated CRA, TransUnion holds a unique position of public responsibility, and this conduct constitutes a violation of public trust. As recognized in FTC v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), entities handling sensitive consumer data owe a duty to the public and can be held accountable when they knowingly act against that duty. TransUnions actions may also qualify as a federal XXXX violation under 18 U.S.C. 1962 ( c ), given the repeated obstruction, misrepresentation, and concealment of federally protected rights for financial gain. \n\nUnder the Fair Credit Reporting Act, furnishers who receive a dispute from a credit reporting agency are required under FCRA 1681s-2 ( b ) ( 1 ) ( A ) to conduct a proper investigation, which courts have held must include a review of original account documentation, not just internal records. This means the furnisher must be able to produce the original signed contract or application, billing statements, proof of account ownership, and any supporting evidence used to verify the debt. In XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the court made clear that an investigation relying solely on internal systems is not compliant. Under 1681s-2 ( b ) ( 1 ) ( B ), they must also review all relevant information provided by the CRA, including any evidence submitted by the consumer, which reinforces the need to examine documentation like a wet signature, transaction records, or the chain of assignment in cases involving debt buyers. If the furnisher can not verify the information with actual supporting documentation, 1681s-2 ( b ) ( 1 ) ( D ) requires them to delete or correct the data. In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), the court found that failure to do so violates the FCRA. Furthermore, 1681i ( a ) ( 6 ) ( B ) ( iii ) requires the credit bureau to disclose the procedure used to verify disputed information, which implicitly requires the furnisher to provide a summary of the documents or methods usedsomething that can not be satisfied by vague statements or automated flags. This was reinforced in XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), where the court ruled that failure to examine underlying documents constitutes an unreasonable investigation. The FCRA does not explicitly list required documents, but these sections and rulings establish that if a furnisher can not produce a signed contract, billing history, or legal proof of the debt, they can not legally verify it and must delete it.","date_sent_to_company":"2025-03-25T01:06:52.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30909","tags":null,"has_narrative":true,"complaint_id":"12617892","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-25T01:06:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Courts have <em>affirmed</em> this in XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), finding that continued reporting after failed or sham disputes violates the FCRA. \n\nTo escalate matters further, TransUnion has mailed my personal credit dataincluding my Social <em>Security</em> number and full reportto an unauthorized and unknown address, rather than delivering it <em>securely</em> through their portal or the CFPB system."]},"sort":[10.098296,"12617892"]},{"_index":"complaint-public-v1","_id":"12617411","_score":10.055886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion has willfully violated multiple provisions of the Fair Credit Reporting Act. I have been completely blocked from accessing my credit file through both XXXX on XX/XX/XXXX and TransUnions own portal for 2 years, in direct violation of FCRA 1681j ( a ) and 1681g ( a ), which guarantee consumer access to their report and full file disclosures. This is not a system-wide technical issue, as others in my householdincluding my roommateare able to access their full TransUnion reports , dispute items, and manage credit freezes using the same network, browser, and device. TransUnions claim that the issue is technical is provably false, and the pattern of behavior strongly indicates retaliation for prior disputes and complaints Ive filed, including with the CFPB. \n\nI have submitted over five disputes on the same inaccurate items, and TransUnion has failed to correct or remove the information. They continue to label the data as verified without providing any of the legally required documentationsuch as a wet signature, original application, or any proof of authorizationas mandated under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Since the 30-day dispute window has long passed without proper resolution, FCRA 1681i ( a ) ( 5 ) ( A ) requires that the inaccurate and unverifiable data be immediately deleted, not continued. Courts have affirmed this in XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), finding that continued reporting after failed or sham disputes violates the FCRA. \n\nTo escalate matters further, TransUnion has mailed my personal credit dataincluding my Social Security number and full reportto an unauthorized and unknown address, rather than delivering it securely through their portal or the CFPB system. This puts me at clear risk for identity theft and violates FCRA 1681e ( a ), which requires CRAs to use reasonable procedures to ensure data is shared only with authorized recipients. In XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), courts held that CRAs can be held liable for failing to secure sensitive consumer information and sending it to improper destinations. \n\nThese repeated, intentional acts reflect not just negligence but a coordinated pattern of misconduct, suppressing dispute rights, obstructing lawful access, and protecting furnishers in violation of consumer law. As a federally regulated CRA, TransUnion holds a unique position of public responsibility, and this conduct constitutes a violation of public trust. As recognized in FTC v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), entities handling sensitive consumer data owe a duty to the public and can be held accountable when they knowingly act against that duty. TransUnions actions may also qualify as a federal XXXX violation under 18 U.S.C. 1962 ( c ), given the repeated obstruction, misrepresentation, and concealment of federally protected rights for financial gain. \n\nUnder the Fair Credit Reporting Act, furnishers who receive a dispute from a credit reporting agency are required under FCRA 1681s-2 ( b ) ( 1 ) ( A ) to conduct a proper investigation, which courts have held must include a review of original account documentation, not just internal records. This means the furnisher must be able to produce the original signed contract or application, billing statements, proof of account ownership, and any supporting evidence used to verify the debt. In XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the court made clear that an investigation relying solely on internal systems is not compliant. Under 1681s-2 ( b ) ( 1 ) ( B ), they must also review all relevant information provided by the CRA, including any evidence submitted by the consumer, which reinforces the need to examine documentation like a wet signature, transaction records, or the chain of assignment in cases involving debt buyers. If the furnisher can not verify the information with actual supporting documentation, 1681s-2 ( b ) ( 1 ) ( D ) requires them to delete or correct the data. In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), the court found that failure to do so violates the FCRA. Furthermore, 1681i ( a ) ( 6 ) ( B ) ( iii ) requires the credit bureau to disclose the procedure used to verify disputed information, which implicitly requires the furnisher to provide a summary of the documents or methods usedsomething that can not be satisfied by vague statements or automated flags. This was reinforced in XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), where the court ruled that failure to examine underlying documents constitutes an unreasonable investigation. The FCRA does not explicitly list required documents, but these sections and rulings establish that if a furnisher can not produce a signed contract, billing history, or legal proof of the debt, they can not legally verify it and must delete it.","date_sent_to_company":"2025-03-25T01:06:53.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"30909","tags":null,"has_narrative":true,"complaint_id":"12617411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-25T00:49:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["Courts have <em>affirmed</em> this in XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), and XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ), finding that continued reporting after failed or sham disputes violates the FCRA. \n\nTo escalate matters further, TransUnion has mailed my personal credit dataincluding my Social <em>Security</em> number and full reportto an unauthorized and unknown address, rather than delivering it <em>securely</em> through their portal or the CFPB system."]},"sort":[10.055886,"12617411"]},{"_index":"complaint-public-v1","_id":"15521594","_score":8.223774,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX SS # XXXX LexisNexis Risk Solutions Consumer Center Attn : Security Freeze XXXX XXXX XXXXXXXX XXXX, GA XXXX To Whom It May Concern, Please help me fix thesis items on my report I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection.\n\nAccording to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report.\n\nAccounts 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Accuracy XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.\n\n15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX XXXX  Please remove it from my credit report.\n\n15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX XXXX Please remove it from my credit report. \n\n\n\n15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX XXXX  Please remove it from my credit report. \n\n\n\n\n\n15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX XXXX Please remove it from my credit report. \n\n15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX XXXX XXXX Please remove it from my credit report. \n\n\n\n\n\n15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XX/XX/XXXX XXXX XXXX XXXX Please remove it from my credit report. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nOh by the way I hope you understand that the FCRA states in the section below Adverse Action Notice : I also want to bring to your attention that the continued reporting of this unvalidated debt has had a significant adverse impact on my life. I was recently denied credit when applying for a job, as the employer conducts a credit check as part of their hiring process. The adverse information you reported contributed directly to my disqualification. This constitutes an adverse action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m.\n\nThe denial of employment due to this unverified and potentially inaccurate information is not only distressing but may also be unlawful if the debt is not properly validated. As a result, I am requesting that you immediately investigate this matter and cease all collection activities until you can provide proper validation.\n\nRelevant Case Law Supporting My Request : Chauncey v. JDR Recovery Inc., 118 F.3d 516 ( 7th Cir. 1997 ) This case affirms the requirement that a debt collector must provide validation of the debt upon request and must cease collection efforts until proper validation is provided.\n\nSpears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) In this case, the court ruled that if a debt collector fails to validate a debt as requested, they can not continue to pursue collection activities.\n\nClark v. Capital Credit & Collection Services , Inc., 460 F.3d 1162 ( 9th Cir. 2006 ) This case highlights the necessity for a debt collector to provide accurate and complete information about the debt in question when validation is requested.\n\nFailure to comply with my request may constitute a violation of both the FDCPA and FCRA, and I reserve the right to pursue legal remedies to protect my rights. Please respond to this request within 30 days, as required by law.\n\nPursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( g ), I am formally requesting validation of this debt.\n\nAccording to the FDCPA, I am entitled to request and obtain verification of any alleged debt that a debt collector claims I owe. Specifically, I request : Proof that your company is legally entitled to collect this debt. This includes any contracts, agreements, or assignments that show that you have the authority to collect on this debt.\n\nDetailed accounting of the alleged debt, including a breakdown of the amount you claim I owe and how it was calculated.\n\nProof that I am the correct debtor. This includes any signed agreements or contracts that bear my signature and that demonstrate my legal obligation to pay this debt.\n\nIf you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items bearing my signature, as I believe none exists. When you find no signed agreement bearing my signature, I need you to remove these items from my file.\n\nPlease note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these items, I will be referring this matter to my attorney for further action. Please do not make this a litigious matter...\n\nLastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-27T00:50:44.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"15521594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-08-27T00:47:04.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX SS # XXXX LexisNexis Risk Solutions Consumer Center Attn : <em>Security</em> <em>Freeze</em> XXXX XXXX XXXXXXXX XXXX, GA XXXX To Whom It May Concern, Please help me fix thesis items on my report I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of <em>securing</em> a position."]},"sort":[8.223774,"15521594"]},{"_index":"complaint-public-v1","_id":"17008191","_score":5.2162924,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am FILING on my own behalf for this Dispute at hand.This Dispute was never investigated by cfpb. EQUIFAX, AND XXXX XXXX XXXX  HAVE NOT CONDUCTED THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES THAT I HAVE FILED. ALL EVIDENCE IS INCLUDED IN THIS DISPUTE THAT PROVES CORRUPTION ON BEHALF OF ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX!! ! XXXX MY SCORES NEED TO BE RECALCULATED BY ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX EQUIFAX, AND XXXX IMMEDIATELY!! ! XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NOT CAPABLE OF CONDUCTING THOROUGH INTERNAL INVESTIGATIONS OF DISPUTES, PRACTING XXXX XXXX  ACTIVITIES ON THE MASSES WITH XXXX XXXX XXXX PERSUING UNHAPPINESS AND STRUGGLE. YOU WILL BE STRUCT DOWN LIKE THE XXXX XXXX XXXX  YOU ARE WITH THE SWIFTNESS OF THE XXXX. ALL THREE ENTITIES INVOLVED THEMSELVES IN ( CONSPRIRACY ) 18 USC Section 241 ( CONSPIRACY )!!! 369 The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). \nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information.\n\nWho is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more.\n\nYou can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. \nXXXX XXXX  AND EQUIFAX REMOVED MY XXXX XXXX XXXX  ACCOUNT # XXXX WITHOUT PERMISSION, TO DO DETRIMENTAL HARM TO MY CREDIT SCORES, AND CONSPIRING WITH XXXX  AND EQUIFAX TO DO THE SAME WHICH IS A VIOLATION OF 18 USC Section 241 ( CONSPIRACY )!! ! 369 18 U.S. Code Section 241, titled \" Conspiracy Against Rights, '' makes it a federal crime for two or more people to conspire to harm, threaten, or intimidate someone in the exercise or enjoyment of rights secured by the Constitution or laws of the United States. This includes actions taken to prevent someone from exercising a right or because they have exercised one. Penalties for violations can include significant fines or imprisonment, with more severe consequences if certain serious crimes like kidnapping or attempted murder occur as a result of the conspiracy. Key Aspects of Section 241 Conspiracy : The law focuses on an agreement or plan between two or more individuals. Targeted Rights : The conspiracy must be against rights secured by the U.S. Constitution or federal laws. Intent : The perpetrators must intend to injure, threaten, or intimidate a person in the exercise of these rights. Scope : It prohibits actions that hinder a person from exercising a right, or punish them for having done so. Consequences : Violations can lead to significant fines or imprisonment, with increased penalties for offenses involving kidnapping, aggravated XXXX abuse, or attempted murder. How it Differs from Section 242 It's important to distinguish Section 241 from Section 242. While Section 241 addresses conspiracies against rights, Section 242 targets individuals who, acting \" under color of law '' ( meaning with the authority of a government official ), willfully deprive a person of their rights. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of personal information in the files of credit reporting agencies ( CRAs ). It establishes consumer rights to access and dispute information in their credit reports, limits the entities that can access this information, and mandates procedures for how CRAs and the users of their information must operate. Key rights include the ability to obtain free credit reports annually, receive adverse action notices, dispute inaccuracies, and place fraud alerts on your credit file. Key Provisions & Consumer Rights Access to Your Credit Report : You are entitled to a free copy of your credit report from each of the three major CRAs XXXX XXXX XXXX, and Equifax ) once every 12 months. Adverse Action Notices : If you are denied credit, employment, or other services based on information in your credit report, you must be notified and informed of the specific CRA that supplied the report. Dispute Inaccuracies : You have the right to dispute any inaccurate, incomplete, or outdated information in your credit report and have the CRA investigate and correct it. \n\n\nExperian has been accused of improperly reinserting previously deleted or disputed information back onto consumer credit reports, often under a different furnisher 's name, without proper investigation or verification. \n\nOver-reliance on furnishers : The Consumer Financial Protection Bureau ( CFPB ) has stated that Experian often over-relies on furnishers ' responses to disputes, even when Experian possesses information that contradicts the furnisher 's claims or when the furnisher is known to be unreliable. \n\nFailure to investigate disputes thoroughly : The CFPB has also alleged that Experian 's dispute investigation process is inadequate, failing to properly consider consumer-provided documentation and other information that contradicts the furnisher 's claims. \n\n\" Sham investigations '' : The CFPB has specifically accused Experian of conducting \" sham investigations '' where they give the appearance of investigating disputes without actually conducting a thorough and impartial review of the information, according to the CFPB.\n\nMixing consumer files : Experian has also been accused of mixing consumer files, leading to incorrect information being reported on a consumer 's credit report, as seen in theSteelman v. Experian case.\n\nImpact on consumers : These inaccurate reports can lead to denial of loans, higher interest rates, and other negative consequences for consumers. \n\nChristian Peyton v. Experian. Plaintiff discharged his XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct.\n\nNikolas v. Experian. N.D. C.A. The Plaintiff has an inaccurate account reporting on her Experian credit report. The Plaintiff has never had an Affirm account listed on the Experian credit report. The Plaintiff disputed with Experian several times, but the account continued to be verified. As a result of this accounts reporting, Plaintiffs mortgage loan application was put on hold.\n\nThe Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information to promote the accuracy, fairness, and privacy of consumer reports. It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or security freezes on their files, while also imposing responsibilities on furnishers of information and users of credit reports. \n\n\nInactive modal US Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Problem with a company 's investigation into an existing problem We received your complaint. Thank you. \nWe will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. \nYOUR COMPLAINT THIS DISPUTE WAS NEVER ABOUT IDENTITY THEFT, IT WAS ABOUT CORRECTION OF MY CREDIT SCORES WITH ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS : [ CFPB, XXXX XXXX, AND EQUIFAX ] AND CORRUPTION THAT CFPB, EQUIFAX, XXXX XXXX XXXX  TOOK PART IN, ALSO DOING DETRIMENTAL HARM TO MY CREDIT REPORTING SCORES. I SUBMITTED ALL THE EVIDENCE TO PROVE MY DISPUTE, IF REAL THOROUGH INTERNAL INVESTIGATIONS ARE CONDUCTED BY ALL ENTITIES INVOLVED!! ! XXXX I ASK FOR A RECALCULATION OF MY CREDIT SCORES IMMEDIATELY ALONG WITH THOROUGH TRANSPARENCY AND UPDATION OF CORRECT SCORES IMMEDIATELY!! ! XXXX NON-COMPLIANCE CFPB NON-COMPLIANCE XXXX  NON-COMPLIANCE EQUIFAX NON-COMPLIANCE XXXXXXXX  CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS XXXX XXXX  AND EQUIFAX NEVER CONDUCTED THOROUGH INTERNAL INVESTIGATIONS INTO THIS MATTER AT HAND OF CORRECTING MY CREDIT SCORES ON ALL CREDIT REPORTING WITH EQUIFAXXXXX XXXX XXXX XXXX ! XXXX UNDER THE FAIR CREDIT REPORTING ACT IT STATES THAT THESE FACTIOUS ENTITIES SELL, CONSPIRE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS WITHOUT PERMISSION OF THE CONSUMER. I HAVE A DISPUTE WHICH I ATTACHED SHOWS THAT CFPB AND ALL THREE FACTIOUS GOVERNMENT ENTITIES KNOWN AS EXPERIAN, TRANSUNION, AND EQUIFAX FAILED HORRIBLY TO DO IT'S DUE DILIGENCE OF CONDUCTING FAIR THOROUGH INTERNAL INVESTIGATIONS OF ALL THREE BUREAUS EXPERIAN, TRANSUNION, AND EQUIFAX!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies ( CRAs ). You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. Who is Covered by the FCRA Consumer Reporting Agencies ( CRAs ) : Companies like the three major credit bureaus ( Equifax, Experian, and TransUnion ) that compile and sell consumer reports to Users of Consumer Reports : Entities like creditors, lenders, employers, and landlords who use consumer reports for decisions about credit, employment, insurance, and more. You can dispute inaccurate or incomplete information with the CRA, which must investigate and take action to correct the information. 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to kidnap, aggravated XXXX abuse or an attempt to commit aggravated XXXX abuse, or an attempt to kill, they shall be fined under this title or imprisoned for any term of years or for life, or both, or XXXX be sentenced to death. Inactive modal XXXX Flag An official website of the United States Government Logged in as XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX a new complaint All complaints XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Unable to get your credit report or credit score We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT TRANSUNION AND EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HOW CAN THESE XXXX FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT XXXX, BUT XXXX CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY XXXX XXXX MY SCORES SHOULD HAVE INCREASED, BUT THESE XXXX XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. XXXX XXXX XXXX  DROPPED MY SCORES FOR XXXX CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT XXXX XXXX XXXX DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. Here 's a summary of its key aspects : XXXX. What the FCRA does XXXX XXXX and XXXX : Ensures that information in consumer reports is accurate and fair. Guards Privacy : Restricts who can access your credit reports and for what purposes. Provides XXXX Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies. 2. Who it covers The FCRA governs credit reporting agencies ( CRAs ), including the three major ones : Equifax , Experian, and TransUnion . It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. 3. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). Right to Free Credit Reports : You are entitled to a free credit report from each nationwide CRA annually, according to MyCreditUnion.gov. Currently, they are offering free weekly reports through XXXX. Right to Notice of Adverse Action : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies. 4. Permissible purposes for accessing consumer reports Access to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. Insurance Underwriting : Insurance companies XXXX access reports for underwriting policies. Legitimate Business Need : In connection with transactions initiated by the consumer. XXXX. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate. XXXX. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. Punitive Damages : Awarded to punish violators and deter future misconduct. Attorney 's Fees and Court Costs : If you win your case, these can be covered. The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after XXXX years. When it's removed, your credit score should improve. Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve. Attachments XXXX XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX ( XXXX KB ) XXXX Karma.jpg ( XXXX KB ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is complete, a final response will be forwarded to you to view. For additional assistance, you XXXX call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you XXXX visit : http : //www.experian.com/blogs/ask-experian. Please note that you XXXX also submit your request or documents supporting your claim electronically at www.experian.com/upload. You XXXX also visit XXXX dispute center by visitingwww.experian.com/dispute. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer disputes swiftly and to take each one seriously. We appreciate you letting us know about your experience with Experian. Potential fraud XXXX XXXX responded there XXXX be potential fraud involved on XX/XX/XXXX We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud. What do I do? You can contact the company directly for more information. If you have been the victim of a scam, you are not alone. There are resources available to help you. XXXX XXXX XXXXXXXX XXXX set up the XXXX XXXX XXXX XXXX to assist consumers with fraud. You can call them at XXXX or visit www.fraud.org. If the scam was Internet-based, you can review information about Internet-based scams and file an online report at IC3.gov. The Internet Crime Complaint Center is a partnership between the Federal Bureau of Investigation and the XXXX XXXX XXXX XXXX XXXX. You can also use the following government agency websites to get information on fraud, safety, and identify theft : Scams and frauds at XXXX XXXX and safety at FBI.gov Consumer information at FTC.gov Privacy Act Statement XXXX # XXXX Note on user experience Have a question? XXXX? ( XXXX ) XXXX TTY/TTD : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). More than XXXX languages available. XXXX Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) View full complaint Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. \n\nTheir response should include the steps they took, or will take, to address your complaint. \n\nCompanies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. \n\nCompany still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. \n\nCOMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. \nCompany responded XXXX XXXX responded on XX/XX/XXXX Response type Closed with explanation XXXX 's Response We have reviewed your complaint along with any additional information you provided regarding this issue. The complaint concerns a credit report belonging to someone other than yourself. In order to process the complaint, a letter was sent to both you and the subject consumer via mail requesting that you provide TransUnion with proof of XXXX of Attorney that authorizes you to obtain the credit information of the subject consumer by XX/XX/XXXX. At this time we have not received the requested documentation, therefore the attempt to obtain XXXX of Attorney was unsuccessful. Without any legally binding document, TransUnion can not take further action on the complaint. \nXXXX requested XXXX XXXX requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. \n\nSubmit your feedback Closed The CFPB has closed your complaint. \nPrivacy XXXX XXXX XXXX # XXXX Note on user experience Have a question? XXXX? \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Monday through Friday ( except federal holidays ). \nMore than 180 languages available.\n\nUS Flag An official website of the United States Government Inactive modalInactive modalInactive modal Complaint Detail","date_sent_to_company":"2025-11-04T22:06:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70806","tags":"Servicemember","has_narrative":true,"complaint_id":"17008191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-04T22:06:03.000Z","state":"LA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It grants consumers rights, such as accessing their credit reports, disputing errors, and placing fraud alerts or <em>security</em> <em>freezes</em> on their files, while also imposing responsibilities on furnishers of information and users of credit reports."]},"sort":[5.2162924,"17008191"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":14,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":14}]}},"product":{"doc_count":14,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":14,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13},{"key":"Other personal consumer report","doc_count":1}]}}]}},"issue":{"doc_count":14,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Unable to get your credit report or credit score","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":12}]}},{"key":"Problem with a company's investigation into an existing issue","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}}]}},"timely":{"doc_count":14,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":14}]}},"company_response":{"doc_count":14,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":13},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":14,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":14}]}},"company":{"doc_count":14,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":11},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"LEXISNEXIS","doc_count":1}]}},"state":{"doc_count":14,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"AK","doc_count":7},{"key":"PR","doc_count":3},{"key":"GA","doc_count":2},{"key":"FL","doc_count":1},{"key":"LA","doc_count":1}]}},"company_public_response":{"doc_count":14,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":2}]}},"tags":{"doc_count":14,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}