{"took":161,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":5,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4451890","_score":43.214672,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX, XXXX P.T.- attempt to place a freeze was met with a window that said : The TransUnion Credit Freeze Service is temporarily unavailable. \n\nI called TransUnion, and after verifying my information, I was informed through automation that the information I submitted is incorrect. This is not true. I have been able to freeze my XXXX, XXXX with no trouble. I can login to TransUnion without issue. \n\nCONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. \nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. \nA security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.","date_sent_to_company":"2021-06-11T17:37:08.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"992XX","tags":null,"has_narrative":true,"complaint_id":"4451890","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-06-11T17:08:28.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. \nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost."],"issue":["Problem with fraud alerts or security freezes"]},"sort":[43.214672,"4451890"]},{"_index":"complaint-public-v1","_id":"3961447","_score":29.086592,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN FRAUDXX/XX/XXXXXXXX XXXX USED MY INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECIEVED ANY EDUCATION BENIFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU EXPERIAN IN VIOLATION OF THE FARIDEBT CREDIT REPORTING ACT. XXXX IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR 2000. I HAVE MADE NUMEROUSE REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRAMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. XXXX IS REPORTING FALSE INFORMATION THE EXPERIAN REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL. I HAVE PLACED EXPERIAN ON NOTICE AND REQUESTED NUMEROUSE DISPUTES OF THIS FRAUDELENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND EXPERIAN HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. EXPERIAN CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACOUNT IS TIME BARRED UNDER FEDERAL LAW. EXPERIAN HAS ALSO ALLOWED INTERNAL TAMPERING BY ITS EMPLOYEE INTO MY CREDIT FILE WITHOUT MY CONSENT. ON MULTIPLE OCCASSIONS EXPERIAN EMPLOYEE HAS UNLOCKED MY CREDIT FILE AFTER I LOCKED IT. THEY HAVE CONTINUED TO PLACE SECURITY FREEZE ACTION ON MY ACCOUNT WITHOUT MY CONSENT, THEY HAVE PLACED LENDER SERVING REMARKS IN MY CREDIT FILE UNDER CONSUMER STATEMENT OF WHICH I DID NOT AUTHORIZE.FURHTER EXPERIAN HAS FAILED TO SCORE MY CREDIT FILE ACURATELY AS IT IS BEING REPORTED ON OTHER THIRD PARTY 3 BUREAU CREDIT FILES. I HAVE PAID FOR 3 BUREAUS CREDIT REPORTS THAT HAVE EXPERIAN SCORE REPORTING SIGNIFICANTLY HIGHER SCORE THEN WHAT IS BEING REFLECTED IN MY PAID SUBCRIPTION FROM EXPERIAN CREDIT BUREAU. THEIR ACTION HAVE RACIAL UNDER TONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRADULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW. I REQUEST AN INVESTIGATION INTO THESE ACTIONS.\n\nHERE IS A LIST OF ALL THE PROBLEMS I HAVE SUFFERED AT THE HANDS OF THIS CREDIT REPORTING AGENCY, AND MORE..\n\nProblem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Old information reappears under new reporting creditor name or never goes away Unable to get your credit report or credit score Improper use of your report ( shared without consent, credit inquiries from unknown sources ) THANK YOU XXXX XXXX","date_sent_to_company":"2020-11-18T18:02:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45211","tags":null,"has_narrative":true,"complaint_id":"3961447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-18T17:41:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Old information reappears under new reporting creditor name or never goes away Unable to get your credit report or credit score Improper use of your report ( shared without consent, credit inquiries"]},"sort":[29.086592,"3961447"]},{"_index":"complaint-public-v1","_id":"3314495","_score":26.097336,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my Equifax credit reports since XX/XX/XXXX. I was trying to dispute through Equifax directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later Equifax disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. Equifax lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. Equifax says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, Equifax failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to Equifax as advised, XXXX XXXX XXXX is still erroneously on my Equifax credit report in the amount of {$1900.00} ... I reported XXXX XXXX and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my Equifax credit report. This is what my experience with Equifax has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed Equifax necessary documents to no avail. \n\nI got a free copy of my Equifax credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with Equifax as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the Equifax credit bureau as far as I understand but disputes through Equifax Information Services LLC. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314495","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-22T18:13:48.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed Equifax necessary documents to no avail."]},"sort":[26.097336,"3314495"]},{"_index":"complaint-public-v1","_id":"3314655","_score":26.077597,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX Bank XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my Equifax report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, XXXX XXXX XXXX is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported Capital One and XXXX XXXX XXXX to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail. \n\nI got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by XXXX mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["freezes ( initial 90-day, trouble placing or extending a freeze, extended, active duty ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail."]},"sort":[26.077597,"3314655"]},{"_index":"complaint-public-v1","_id":"3314501","_score":26.04456,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have tried to dispute information that was reported on my XXXX credit reports since XX/XX/XXXX. I was trying to dispute through XXXX directly because there were more mistakes on my credit report than what was actually valid. The problem is they have taken more than 30 days to correct the problems and as of days ago they removed my auto loan that was in good standing with XXXX XXXX. Just days ago my score increased by more than 50 points due to my auto loan reported accurately. A few days later XXXX disputed it and removed it and when confronted accused XXXX XXXX XXXX XXXX. XXXX confirmed that they did not remove it. XXXX lowered my score by 107 points due to their error and also during a fraud alert and freeze on my XXXX report they allowed a company to conduct a hard inquiry that I did not solicit. The company is XXXX. XXXX says it was from XX/XX/XXXX, but my credit monitoring service shows that it was a new inquiry from the past few days. Basically, XXXX failed to correct wrong addresses that I disputed within a timely fashion. It has been more than 30 days that I disputed wrong addresses, names, employment and credit accounts and still the wrong information is on my report. Each representative says something different and even though the information was removed from XXXX and XXXX and I faxed supporting information to XXXX as advised, Portfolio Recovery Associates is still erroneously on my XXXX credit report in the amount of {$1900.00} ... I reported XXXX XXXX and Portfolio Recovery Associates to FTC and XXXX because they have all supporting documents concerning identity theft and fraud and acknowledged the accounts are fraud and yet they are still on my XXXX credit report. This is what my experience with XXXX has been, like going in circles with no good outcome but only frustration and representatives changing dispute criteria weekly. All of the above occurred Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Problem with a credit reporting company 's investigation into an existing problem Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account ) Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail. \n\nI got a free copy of my XXXX credit report in XX/XX/XXXX and disputed errors by US mail, phone and fax to no avail. As soon as I added a freeze days ago with XXXX as they advised my score was lowered 107 points, a good account was removed and an unauthorized hard inquiry was added. This is the XXXX credit bureau as far as I understand but disputes through XXXX XXXX XXXX XXXX. \n\nThey tried to charge me {$7.00} today on XX/XX/XXXX for assistance. Outrageous!","date_sent_to_company":"2019-07-22T19:32:29.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"3314501","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-07-22T19:32:26.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ) Received unsolicited financial product or insurance offers after opting out Report provided to employer without your written authorization Credit inquiries on your report that you don't recognize I faxed XXXX necessary documents to no avail."]},"sort":[26.04456,"3314501"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":5,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":5}]}},"product":{"doc_count":5,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":5}]}}]}},"issue":{"doc_count":5,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":3,"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":3}]}},{"key":"Incorrect information on your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account information incorrect","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":5,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":5}]}},"company_response":{"doc_count":5,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3},{"key":"Closed with non-monetary relief","doc_count":2}]}},"submitted_via":{"doc_count":5,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":5}]}},"company":{"doc_count":5,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":1}]}},"state":{"doc_count":5,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TX","doc_count":3},{"key":"OH","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":5,"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":5,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_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":{}}}