{"took":97,"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":"16302950","_score":25.445995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX XXXX Date : XX/XX/XXXX To : Equifax, Experian, Transunion, XXXX Secondary Credit Bureaus XXXX XXXX Department XXXX XXXX XXXX Freeze Request Dear Credit Bureaus, Please place a security freeze on my Equifax credit report for the consumer below : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( last XXXX ) : XXXX Please confirm the freeze and provide any PIN or password and instructions for temporarily lifting or permanently removing the freeze. I have attached identification and proof of address to verify my identity. \n\nEnclosed/attached : photocopy of government-issued ID, proof of current address, and any other documentation you require. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-02T02:05:19.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"23224","tags":null,"has_narrative":true,"complaint_id":"16302950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-02T02:04:53.000Z","state":"VA","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":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX XXXX Date : XX/XX/XXXX To : <em>Equifax</em>, Experian, Transunion, XXXX <em>Secondary</em> Credit <em>Bureaus</em> XXXX XXXX Department XXXX XXXX XXXX <em>Freeze</em> Request Dear Credit <em>Bureaus</em>, Please place a <em>security</em> <em>freeze</em> on my <em>Equifax</em> credit report for the consumer below : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( last XXXX ) : XXXX Please confirm the <em>freeze</em> and provide"],"issue":["Problem with fraud alerts or <em>security</em> <em>freezes</em>"]},"sort":[25.445995,"16302950"]},{"_index":"complaint-public-v1","_id":"16287759","_score":25.445995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX XXXX Date : XX/XX/XXXX To : Equifax, Experian, Transunion, XXXX Secondary Credit Bureaus XXXX XXXX Department XXXX XXXX XXXX Freeze Request Dear Credit Bureaus, Please place a security freeze on my Equifax credit report for the consumer below : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( last XXXX ) : XXXX Please confirm the freeze and provide any PIN or password and instructions for temporarily lifting or permanently removing the freeze. I have attached identification and proof of address to verify my identity. \n\nEnclosed/attached : photocopy of government-issued ID, proof of current address, and any other documentation you require. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-02T02:05:19.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"23224","tags":null,"has_narrative":true,"complaint_id":"16287759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-02T02:04:53.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX XXXX Date : XX/XX/XXXX To : <em>Equifax</em>, Experian, Transunion, XXXX <em>Secondary</em> Credit <em>Bureaus</em> XXXX XXXX Department XXXX XXXX XXXX <em>Freeze</em> Request Dear Credit <em>Bureaus</em>, Please place a <em>security</em> <em>freeze</em> on my <em>Equifax</em> credit report for the consumer below : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( last XXXX ) : XXXX Please confirm the <em>freeze</em> and provide"],"issue":["Problem with fraud alerts or <em>security</em> <em>freezes</em>"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[25.445995,"16287759"]},{"_index":"complaint-public-v1","_id":"17268695","_score":25.354786,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS 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 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 XXXX SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. \nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. \n\nSECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. \n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-16T00:29:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268695","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-16T00:28:41.000Z","state":"VA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT <em>BUREAUS</em> + <em>SECONDARY</em> <em>BUREAUS</em> + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> <em>Bureau</em> <em>Freeze</em> XXXX <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT <em>BUREAUS</em> <em>Equifax</em> XXXX XXXX XXXX XXXX XXXX XXXX"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[25.354786,"17268695"]},{"_index":"complaint-public-v1","_id":"17268493","_score":25.294731,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS 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 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 XXXX SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. \nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. \n\nSECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. \n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-16T00:29:06.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268493","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-16T00:19:09.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT <em>BUREAUS</em> + <em>SECONDARY</em> <em>BUREAUS</em> + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> <em>Bureau</em> <em>Freeze</em> XXXX <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT <em>BUREAUS</em> <em>Equifax</em> XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[25.294731,"17268493"]},{"_index":"complaint-public-v1","_id":"17268694","_score":25.28047,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS 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 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 XXXX SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. \nI request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. \n\nSECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. \n\nPrinted Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-16T00:29:04.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"23231","tags":null,"has_narrative":true,"complaint_id":"17268694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-16T00:28:41.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XX/XX/XXXX CREDIT <em>FREEZE</em> DISPUTE FORM ALL CREDIT <em>BUREAUS</em> + <em>SECONDARY</em> <em>BUREAUS</em> + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit <em>Freeze</em> Extended <em>Security</em> <em>Freeze</em> <em>Secondary</em> <em>Bureau</em> <em>Freeze</em> XXXX <em>Freeze</em> Data Suppression / <em>Security</em> Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT <em>BUREAUS</em> <em>Equifax</em> XXXX XXXX XXXX XXXX XXXX XXXX"]},"sort":[25.28047,"17268694"]},{"_index":"complaint-public-v1","_id":"10740114","_score":25.220196,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I've filed several complaints and sent an almost innumerable amounts of disputes and grievances about the credit reporting of Equifax, XXXX, and XXXX. From the date of my original CFPB, FTC, and XXXX complaints, suddenly I am not given access to my XXXX consumer report, nor can I access my XXXX  secondary report, from the XXXXecondary consumer reporting agency owned by XXXX. Via phone or online. There is incorrect account, balances, and personal information that I have disputed multiple times, that are not only being incorrectly and inaccurately reported, my information is being shared and sold which I did not consent to. I did not provide written permissable purpose for such disclosures. I've also done security freezes with the secondary bureaus that Equifax, XXXX, and XXXX own and operate and use to validate consumer debts. When a consumer disputes information, no real investigations are performed. They simply send a verified reply from their subsidiaries in effort to tie the consumer to the alleged debts. Teletrack LLCXXXX is the secondary consumer reporting agency that is owned and operated by Equifax and used to validate when information is disputed with the agency. Teletrack LLC owned by Equifax, gathers details from consumers and shares it with payday loan companies, rent-to-own stores, furniture shops with financing options, auto financing companies, high-risk consumer finance firms, subprime home loan providers, subprime credit card issuers, banks, credit unions, cable/telecom companies, and debt collectors. XXXX is the secondary consumer reporting agency owned and operated by XXXX. XXXX gathers and shares data on how non prime consumers manage their loans. This information is used to create predictive credit insights, analytics, and risk scores for short-term lenders, installment lenders, non prime auto lenders ( including leasing companies ), and other providers offering credit to those with subpar credit histories. XXXX is XXXX 's in house subsidiary they use to validate consumer debts knowing the consumer market at large has no idea this secondary consumer reporting agency exists. \nData X also owned and operated by Equifax, collects and provides consumer payment history on payday and installment loans, subprime credit cards and other specialty loans. Consumer payment history is expressly prohibited to be included in a consumer report unless given permissable purpose by the consumer pursuant to 15 USC 1681. \nI placed a security freeze with XXXX XXXX owned and operated by XXXX. XXXX XXXX is the subsidiary of XXXX used to validate consumer debt when disputed as well. XXXX XXXX gathers and supplies data regarding payday loans, installment loans, auto loans ( including leasing ), check cashing services, rent-to-own deals, telecommunication account openings, and financial services, focusing on the lower-income and subprime consumer sectors. I've placed a security freeze on all my information with these secondary reporting agencies. I never requested to have my information shared, then placed a freeze on each report once I became aware of them. They still continue to report inaccurate, and incorrect accounts, balances, and personal information that I previously disputed and filed complaints on multiple times. Debts come back verified after being disputed because no on real investigation is being performed. They simply validate the debt via subsidiary company. I've attached multiple evidences of this below.","date_sent_to_company":"2024-11-10T00:02:08.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"10740114","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-09T22:51:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I've also done <em>security</em> <em>freezes</em> with the <em>secondary</em> <em>bureaus</em> that <em>Equifax</em>, XXXX, and XXXX own and operate and use to validate consumer debts. When a consumer disputes information, no real investigations are performed. They simply send a verified reply from their subsidiaries in effort to tie the consumer to the alleged debts. Teletrack LLCXXXX is the <em>secondary</em> consumer reporting agency that is owned and operated by <em>Equifax</em> and used to validate when information is disputed with the agency."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[25.220196,"10740114"]},{"_index":"complaint-public-v1","_id":"9629807","_score":20.161337,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Recently, I ordered copies of my credit reports and discovered numerous accounts that do not belong to me. These accounts were not opened by me, and I am a victim of identity theft. In XX/XX/2024, I mailed a priority letter containing copies of my current driver 's license, Social Security card, FTC Identity Theft Affidavit, and a police report to XXXX, Equifax, XXXX, and other entities reporting fraudulent accounts on my credit report. \n\nUnfortunately, it appears that the documents I sent were not properly attached to my accounts. This mishandling has resulted in the fraudulent accounts not being removed from my credit report, which is severely hindering my credit. I called in on XX/XX/XXXX XXXXXXXX XXXX I was told my letters was not received. \n\nTo protect myself further, I will be placing a freeze on all of my secondary bureaus as well. However, I urgently request that the fraudulent accounts be investigated and removed from my credit report as soon as possible. \n\nPlease acknowledge receipt of this complaint and the steps that will be taken to rectify this situation. I appreciate your prompt attention to this matter.","date_sent_to_company":"2024-07-30T21:20:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"9629807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-26T15:13:39.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To protect myself further, I will be placing a <em>freeze</em> on all of my <em>secondary</em> <em>bureaus</em> as well. However, I urgently request that the fraudulent accounts be investigated and removed from my credit report as soon as possible. \n\nPlease acknowledge receipt of this complaint and the steps that will be taken to rectify this situation. I appreciate your prompt attention to this matter."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.161337,"9629807"]},{"_index":"complaint-public-v1","_id":"14662483","_score":18.118275,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Summary Subject : Improper Handling of Identity Theft and XXXX XXXX XXXX XXXX Failure to Remove/Block Inaccurate Information under FCRA 605B , 605C, 611, and 607 I am filing this complaint as a verified victim of XXXX XXXX and identity theft, supported by documentation from the U.S. Department of Health and Human Services Office on XXXX XXXX XXXX ( XXXX  ), as well as a police report and FTC Identity Theft Report ( ID # XXXX ). \n\nI have submitted formal disputes with all three major credit bureaus ( Experian, Equifax, and TransUnion ), requesting blocking and removal of inaccurate and fraudulent information pursuant to the Fair Credit Reporting Act, specifically under sections 605B, 605C, 611 ( a ), 611 ( a ) ( 7 ), and 607 ( b ). Despite my lawful and substantiated requests, the following violations have occurred : 1. Failure to Block Fraudulent Accounts ( FCRA 605B & 605C ) Although I submitted identity theft documentation and a certification letter confirming my status as a victim of XXXX XXXX, fraudulent tradelines remain on my credit reports. These items were not blocked within the required 4 business days and no written explanation was provided. \n\n2. Improper Investigation Procedures ( FCRA 611 ) I requested a manual reinvestigation and the Method of Verification ( MOV ) for disputed accounts. To date, no MOV has been provided, and evidence suggests that disputes were handled through automated e-OSCAR systems without proper review or validation. This is in direct violation of 611 ( a ) ( 7 ). \n\n3. Inaccurate Personal Information Still Reporting I have made multiple requests to correct and update my personal identifying information. Despite clear instructions and documented proof, the credit bureaus have failed to : Remove outdated or unauthorized addresses. \n\nCorrect name variations and employer listings. \n\nSuppress public display of SSN and date of birth. \n\nThis constitutes a failure under FCRA 607 ( b ) to ensure maximum possible accuracy of the credit file. \n\n4. Refusal to Place Permanent Security Freeze & Opt-Out Although I have placed security freezes with XXXX, XXXX, XXXX, and other secondary bureaus, the primary bureaus have not honored my request to : Place a permanent security freeze on my credit file. \n\nInitiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. \n\n5. Documented History of Identity Compromise My identity has been exposed in several major data breaches ( e.g., XXXX XXXX XXXX Equifax, XXXX, Experian ), and there are confirmed dark web alerts and unauthorized activity, including : Multiple unauthorized address changes between XXXX XXXX. \n\nReturned fraudulent checks totaling {$4600.00}. \n\nConfirmed alerts from my identity protection service. \n\n6. Incomplete or Non-Existent Responses from the Bureaus Despite providing a : Certified XXXX XXXX victim letter ( issued XX/XX/year>, XXXX HHS ) FTC Identity Theft Report Police Report Proof of fraud-related damages and address compromise ... no bureau has completed the required actions, nor have they provided the verification methods or investigation summaries mandated under federal law.","date_sent_to_company":"2025-07-16T02:10:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"14662483","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-16T02:10:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Refusal to Place Permanent <em>Security</em> <em>Freeze</em> & Opt-Out Although I have placed <em>security</em> <em>freezes</em> with XXXX, XXXX, XXXX, and other <em>secondary</em> <em>bureaus</em>, the primary <em>bureaus</em> have not honored my request to : Place a permanent <em>security</em> <em>freeze</em> on my credit file. \n\nInitiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. \n\n5."]},"sort":[18.118275,"14662483"]},{"_index":"complaint-public-v1","_id":"14662482","_score":18.068655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Summary Subject : Improper Handling of Identity Theft and XXXX XXXX XXXX XXXX Failure to Remove/Block Inaccurate Information under FCRA 605B , 605C, 611, and 607 I am filing this complaint as a verified victim of XXXX XXXX and identity theft, supported by documentation from the U.S. Department of Health and Human Services Office on XXXX XXXX XXXX ( XXXX  ), as well as a police report and FTC Identity Theft Report ( ID # XXXX ). \n\nI have submitted formal disputes with all three major credit bureaus ( Experian, Equifax, and TransUnion ), requesting blocking and removal of inaccurate and fraudulent information pursuant to the Fair Credit Reporting Act, specifically under sections 605B, 605C, 611 ( a ), 611 ( a ) ( 7 ), and 607 ( b ). Despite my lawful and substantiated requests, the following violations have occurred : 1. Failure to Block Fraudulent Accounts ( FCRA 605B & 605C ) Although I submitted identity theft documentation and a certification letter confirming my status as a victim of XXXX XXXX, fraudulent tradelines remain on my credit reports. These items were not blocked within the required 4 business days and no written explanation was provided. \n\n2. Improper Investigation Procedures ( FCRA 611 ) I requested a manual reinvestigation and the Method of Verification ( MOV ) for disputed accounts. To date, no MOV has been provided, and evidence suggests that disputes were handled through automated e-OSCAR systems without proper review or validation. This is in direct violation of 611 ( a ) ( 7 ). \n\n3. Inaccurate Personal Information Still Reporting I have made multiple requests to correct and update my personal identifying information. Despite clear instructions and documented proof, the credit bureaus have failed to : Remove outdated or unauthorized addresses. \n\nCorrect name variations and employer listings. \n\nSuppress public display of SSN and date of birth. \n\nThis constitutes a failure under FCRA 607 ( b ) to ensure maximum possible accuracy of the credit file. \n\n4. Refusal to Place Permanent Security Freeze & Opt-Out Although I have placed security freezes with XXXX, XXXX, XXXX, and other secondary bureaus, the primary bureaus have not honored my request to : Place a permanent security freeze on my credit file. \n\nInitiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. \n\n5. Documented History of Identity Compromise My identity has been exposed in several major data breaches ( e.g., XXXX XXXX XXXX Equifax, XXXX, Experian ), and there are confirmed dark web alerts and unauthorized activity, including : Multiple unauthorized address changes between XXXX XXXX. \n\nReturned fraudulent checks totaling {$4600.00}. \n\nConfirmed alerts from my identity protection service. \n\n6. Incomplete or Non-Existent Responses from the Bureaus Despite providing a : Certified XXXX XXXX victim letter ( issued XX/XX/year>, XXXX HHS ) FTC Identity Theft Report Police Report Proof of fraud-related damages and address compromise ... no bureau has completed the required actions, nor have they provided the verification methods or investigation summaries mandated under federal law.","date_sent_to_company":"2025-07-16T02:10:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"14662482","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-16T02:10:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Refusal to Place Permanent <em>Security</em> <em>Freeze</em> & Opt-Out Although I have placed <em>security</em> <em>freezes</em> with XXXX, XXXX, XXXX, and other <em>secondary</em> <em>bureaus</em>, the primary <em>bureaus</em> have not honored my request to : Place a permanent <em>security</em> <em>freeze</em> on my credit file. \n\nInitiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. \n\n5."]},"sort":[18.068655,"14662482"]},{"_index":"complaint-public-v1","_id":"14658490","_score":18.068655,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Summary Subject : Improper Handling of Identity Theft and XXXX XXXX XXXX XXXX Failure to Remove/Block Inaccurate Information under FCRA 605B , 605C, 611, and 607 I am filing this complaint as a verified victim of XXXX XXXX and identity theft, supported by documentation from the U.S. Department of Health and Human Services Office on XXXX XXXX XXXX ( XXXX  ), as well as a police report and FTC Identity Theft Report ( ID # XXXX ). \n\nI have submitted formal disputes with all three major credit bureaus ( Experian, Equifax, and TransUnion ), requesting blocking and removal of inaccurate and fraudulent information pursuant to the Fair Credit Reporting Act, specifically under sections 605B, 605C, 611 ( a ), 611 ( a ) ( 7 ), and 607 ( b ). Despite my lawful and substantiated requests, the following violations have occurred : 1. Failure to Block Fraudulent Accounts ( FCRA 605B & 605C ) Although I submitted identity theft documentation and a certification letter confirming my status as a victim of XXXX XXXX, fraudulent tradelines remain on my credit reports. These items were not blocked within the required 4 business days and no written explanation was provided. \n\n2. Improper Investigation Procedures ( FCRA 611 ) I requested a manual reinvestigation and the Method of Verification ( MOV ) for disputed accounts. To date, no MOV has been provided, and evidence suggests that disputes were handled through automated e-OSCAR systems without proper review or validation. This is in direct violation of 611 ( a ) ( 7 ). \n\n3. Inaccurate Personal Information Still Reporting I have made multiple requests to correct and update my personal identifying information. Despite clear instructions and documented proof, the credit bureaus have failed to : Remove outdated or unauthorized addresses. \n\nCorrect name variations and employer listings. \n\nSuppress public display of SSN and date of birth. \n\nThis constitutes a failure under FCRA 607 ( b ) to ensure maximum possible accuracy of the credit file. \n\n4. Refusal to Place Permanent Security Freeze & Opt-Out Although I have placed security freezes with XXXX, XXXX, XXXX, and other secondary bureaus, the primary bureaus have not honored my request to : Place a permanent security freeze on my credit file. \n\nInitiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. \n\n5. Documented History of Identity Compromise My identity has been exposed in several major data breaches ( e.g., XXXX XXXX XXXX Equifax, XXXX, Experian ), and there are confirmed dark web alerts and unauthorized activity, including : Multiple unauthorized address changes between XXXX XXXX. \n\nReturned fraudulent checks totaling {$4600.00}. \n\nConfirmed alerts from my identity protection service. \n\n6. Incomplete or Non-Existent Responses from the Bureaus Despite providing a : Certified XXXX XXXX victim letter ( issued XX/XX/year>, XXXX HHS ) FTC Identity Theft Report Police Report Proof of fraud-related damages and address compromise ... no bureau has completed the required actions, nor have they provided the verification methods or investigation summaries mandated under federal law.","date_sent_to_company":"2025-07-16T02:10:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"14658490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-16T02:04:43.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Refusal to Place Permanent <em>Security</em> <em>Freeze</em> & Opt-Out Although I have placed <em>security</em> <em>freezes</em> with XXXX, XXXX, XXXX, and other <em>secondary</em> <em>bureaus</em>, the primary <em>bureaus</em> have not honored my request to : Place a permanent <em>security</em> <em>freeze</em> on my credit file. \n\nInitiate a permanent opt-out of prescreened offers to reduce risk of further identity theft. \n\n5."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[18.068655,"14658490"]},{"_index":"complaint-public-v1","_id":"2768965","_score":14.201227,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This letter is to inform you that Equifax possibly denies my rights under the Fair Credit Reporting Act. I disputed items with Equifax as well as the other Credit Bureaus on XX/XX/XXXX. I have repeatedly contacted Equifax as noted by the Fair Credit Reporting Act to ensure that they were provided all necessary documentation during the process. I found that I was a victim of identity theft and filed a report on XX/XX/XXXX. I was then advised to complete an FTC Identity theft report, which I have also done. I sent all required documents identifying identity theft to each of the three bureaus on XX/XX/XXXX. XXXX and XXXX have deleted or suppressed most of the designated accounts, yet Equifax has removed none. They have advised that the others have come back verified and validated. This concerns me because each of the other two bureaus has deleted most of the inaccurate or fraudulent information. \nThe reasons I have concerns regarding Equifax and the verification/validation process stems from numerous reports of possible fraudulent activity regarding my identity and banking history. There have even been incidents of bank accounts being opened in other states under my name. I have spoken with an XXXX CSR who advised that a secondary social security number was attached to my profile. They have since deleted it. This led to my contacting Equifax regarding the dispute process and my actions. I was informed by an Equifax CSR on XX/XX/XXXX, at XXXX pm that I had a duplicate profile that had some of my identifying information as well as another person. When I called Equifax back, the next agent did not even want to address it and kept stating that I was making it up. I asked the representative to review the notes, and he advised that he would not check again. He placed me on hold and hung up. I called right back and was transferred to the fraud department. The next agent was not very helpful and refused even to address the possible duplicate profile. She stated that after a glance she saw I only had one credit profile and she would not look further. I advised that the agent who found the account had placed me on hold for over seven minutes to research and had only noticed it after I told them to look for my driver 's license and social security card that was previously submitted. I know what the first agent advised which to send in an updated identification showing my current address and social security number so they could merge the two profiles. I am concerned because, after that conversation, no one at Equifax will even address it. There should be some notation on file of what I was told. If the information I was told was possible, Equifax has no concern to address or investigate the situation. They have allegedly verified these fraudulent accounts and even updated them on my credit report, yet the other credit bureaus took the necessary steps to delete or suppress them. I also reached out to each company and provided them the information. One of the companies even advised they received the request for validation from XXXX and XXXX only and could not produce any required documents. \nTo make matters worse, I have disputed all unauthorized inquiries that are dated before XX/XX/XXXX. I made a hard inquiry with XXXX on XX/XX/XXXX, for a secured credit card. The corresponding inquiry is listed on my credit report with an active account. I have repeatedly advised Equifax that I did not authorize the numerous inquiries that are reflected in my profile. Each of these fraudulent inquiries were submitted via online and I have a police report showing that my information has been misused online in the pursuit of online payday loans and bank accounts. There have been variations of my name, address, drivers license and even employment. With the Breach and issues involving Equifax, I am concerned they have become complacent in their verification process and have disregarded or mishandled my requests as well as countless others. I have requested they place a fraud alert on my account and it was processed on XX/XX/XXXX. I DO NOT WANT A SECURITY FREEZE PLACED ON MY ACCOUNT. I do want the accounts and inquiries suppressed, blocked, or deleted according to the Federal Trade Commission Identity Theft Process. \nI have exhausted all my options and have no choice but to file a complaint with the Consumer Financial Protection Bureau. Equifax has made it abundantly clear that my personal information is of no regard to this Credit Bureau. I now require some additional attention to my plight in order to ensure that Equifax is following all necessary guidelines in accordance with the Fair Credit Reporting Act. \nThe referenced fraudulent accounts are : XXXX. XXXX XXXX XXXX - {$720.00} Opened : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX ( XXXX XXXX is Collections Agency Assigned ) 3. XXXX XXXX XXXX - {$270.00} Opened XX/XX/XXXX 4. XXXX XXXX XXXX - {$270.00} Opened XX/XX/XXXX 5. XXXX XXXX XXXX XXXX - {$300.00} Opened XX/XX/XXXX I did not authorize nor do I recognize the referenced fraudulent inquiries : 1. XXXX XXXX XXXX, XXXX XXXX. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX Date : XX/XX/XXXX 6. XXXX Date : XX/XX/XXXX, XX/XX/XXXX 7.  XXXX XXXX Date : XX/XX/XXXX 8. XXXX XXXX XXXX. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX","date_sent_to_company":"2018-01-01T23:08:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39206","tags":null,"has_narrative":true,"complaint_id":"2768965","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-01-01T22:40:03.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The reasons I have concerns regarding <em>Equifax</em> and the verification/validation process stems from numerous reports of possible fraudulent activity regarding my identity and banking history. There have even been incidents of bank accounts being opened in other states under my name. I have spoken with an XXXX CSR who advised that a <em>secondary</em> social <em>security</em> number was attached to my profile. They have since deleted it. This led to my contacting <em>Equifax</em> regarding the dispute process and my actions."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.201227,"2768965"]},{"_index":"complaint-public-v1","_id":"9833351","_score":13.919153,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX D.O.B : XX/XX/XXXX S.S.S. : XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make suer that my private information isnt shared which is backed by 15 USC 6801 It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protection of security and confidentiality of the customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is explained how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise my nondisclosure option. Not only 15 USC 1681C ( a ) ( 5 ) Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission is against the law. 15 U.S. Code 1681s 2 ( A ) ( 1 ) A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to the information is inaccurate. 15 U.S. Code 1681e Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports purpose listed in section 1681b of this title. Equifax and Experian ( Are Not Reasonable Procedures ). 15 U.S Code 6805 Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq ] this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer of Financial Protection. The Family Educational Right and Privacy Act ( FERPA ) applies to any public or private elementary, secondary, or post-secondary school 20 USC 1232g ( b ). Also 12 CFR 1016.7 A consumer may exercise the to opt out any time.\n\nI am opting out of your reporting services and following agencies.\n\nPlease remove the list of the following : Remove any old or duplicate addresses from my report it is a non-mailable address.\n\nRemove any old or duplicate phone numbers Remove any variations of my name that are incorrect Place a security freeze on all your reports Sincerely, XXXX XXXX XXXX XXXX This is not a 3rd Party Agency","date_sent_to_company":"2024-08-17T20:25:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30127","tags":null,"has_narrative":true,"complaint_id":"9833351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2024-08-17T20:25:55.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Equifax</em> and Experian ( Are Not Reasonable Procedures ). 15 U.S Code 6805 Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq ] this subchapter and the regulations prescribed thereunder shall be enforced by the <em>Bureau</em> of Consumer of Financial Protection. The Family Educational Right and Privacy Act ( FERPA ) applies to any public or private elementary, <em>secondary</em>, or post-<em>secondary</em> school 20 USC 1232g ( b )."]},"sort":[13.919153,"9833351"]},{"_index":"complaint-public-v1","_id":"12676264","_score":10.801361,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In this report, I will break down the following key areas as requested : The role of the debt holders receipt from the United States Postal Service ( USPS ). \n\nThe duties and responsibilities of the Consumer Financial Protection Bureau ( CFPB ) in this context. \n\nThe appropriate actions a debt holder should take when there is evidence supporting the claim. \n\nActions to protect the account holder. \n\nHow a debt can be removed from a credit report ( probable cause and regulatory provisions ). \n\nThe responsibilities of credit reporting agencies and the corrective actions that can be taken. \n\nThe provisions and actions from the CFPB, including corrections. \n\nPrimary and secondary credit reporting agency responsibilities. \n\n1. Receipt from the United States Postal Service ( USPS ) as Evidence The receipt from USPS or any other evidence from a government entity, such as the USPS, could be used as evidence in disputes related to debt payments, communications, or deliveries related to account holders. These receipts can serve as documentation proving that a debt holder fulfilled their responsibilities by sending payments or communications, which may serve as evidence to defend against a claim or provide documentation in the context of financial disputes. \n\n2. Duties and Responsibilities of the Consumer Financial Protection Bureau ( CFPB ) The Consumer Financial Protection Bureau ( CFPB ) has a critical role in enforcing consumer protection laws, including those related to debt collection and credit reporting. The CFPB ensures that : Debt collectors comply with the Fair Debt Collection Practices Act ( FDCPA ). \n\nCredit reporting agencies follow guidelines for the accuracy of credit reports under the Fair Credit Reporting Act ( FCRA ). \n\nThe Consumer Financial Protection Act of 2010 enables the CFPB to regulate entities that handle consumer credit and debt-related services to protect consumers from unfair practices. \n\nThe CFPB provides enforcement and oversight to ensure that debt holders, consumers, and reporting agencies comply with regulations that ensure transparency, fairness, and the proper removal or correction of inaccurate or outdated information on credit reports. \n\n3. Action for Debt Holders with Evidence A debt holder who has evidence of fulfilling their responsibilities ( such as payment receipts or evidence of communication from USPS ) can take the following actions : Dispute the debt : Submit a formal dispute to the creditor, debt collector, or credit reporting agency ( CRA ) under FCRA Section 611. The CRA must then investigate within 30 days. \n\nProvide documentation : Provide evidence ( USPS receipt, proof of payment, etc. ) supporting the debt holder 's claim to the creditor, or the CRA during the dispute process. \n\nSubmit complaints : If the dispute is unresolved, a complaint can be submitted to the CFPB. The Bureau will intervene and help mediate between the consumer and the creditor or debt collector. \n\n4. Protection for Account Holders Consumers have specific protections under FCRA and FDCPA, which prevent unfair or inaccurate reporting and collection practices. The following are the protections available to account holders : Fair Debt Collection Practices Act ( FDCPA ) : Prevents debt collectors from engaging in abusive, unfair, or deceptive practices, including harassment and misrepresentation. \n\nFair Credit Reporting Act ( FCRA ) : Provides the right to dispute inaccurate information on credit reports. The law mandates that creditors or debt collectors must correct or delete erroneous data from credit reports. \n\nActions to protect the account holder : Dispute inaccurate debt information through the credit reporting agencies, or directly with the creditor or debt collector. \n\nFile a formal complaint with the CFPB if the issue remains unresolved. \n\n5. Probable Cause for Removal of Debt from Credit Reports A debt can be removed from an account holder 's credit report under the following conditions : Inaccuracy : Under FCRA Section 611, a consumer can dispute inaccuracies, and the CRA is obligated to investigate and correct any errors. If the debt holder provides evidence that the debt is incorrect, it should be removed. \n\nObsolescence : Under FCRA Section 605, negative information like missed payments, defaults, or charged-off debts must be removed after XXXX years, and bankruptcies after XXXX  years. \n\nDebt Validation : Under FDCPA Section 809, a consumer can request verification of the debt. If the debt collector can not validate the debt, the account should be removed from the credit report. \n\nFraudulent Charges : If the debt was incurred due to identity theft or fraud, the consumer can request the removal of the debt from their credit report. \n\n6. Responsibilities of Credit Reporting Agencies Credit reporting agencies ( CRAs ) are required to : Maintain accurate and up-to-date information : As outlined in FCRA Section 607, CRAs must ensure that the information they report is accurate and fair. \n\nInvestigate disputes : Under FCRA Section 611, CRAs must investigate any disputes related to the accuracy of credit report information within 30 days. If an item is found to be incorrect, the CRA must delete or correct it. \n\nProvide the consumer with information : Upon the resolution of a dispute, CRAs must notify the consumer of the result and provide them with a free copy of the updated credit report. \n\n7. Provisions and Actions from the CFPB The CFPB enforces consumer rights in this context by ensuring compliance with FCRA, FDCPA, and other relevant laws. If a consumer experiences problems with debt collection or inaccurate credit reporting, they can : File a complaint with the CFPB, which will then investigate the issue and take corrective action as needed. \n\nWork with debt collectors and credit reporting agencies to mediate disputes and ensure compliance with consumer protection laws. \n\nThe CFPB can enforce penalties or corrective actions, including fines or penalties against non-compliant entities. \n\n8. Corrective Actions for the Debt Holder To rectify the situation and ensure that the debt is removed from their credit report, the debt holder should : Request validation of the debt and provide any necessary proof that the debt is either settled, inaccurate, or fraudulent. \n\nDispute the debt directly with the credit reporting agency or debt collector, providing evidence of payment or other documentation. \n\nFile a complaint with the CFPB if the issue is not resolved after disputes with the creditor or CRA. \n\nSeek legal counsel if necessary, especially if the debt has resulted in significant negative impacts on their credit report or financial situation. \n\nRelevant Sections of Law ( Consumer Financial Protection Bureau Website ) Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692 Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 Consumer Financial Protection Act of 2010 : Public Law 111-203 You can access these regulations directly on the CFPB website or through the official U.S. government website for legal code. \n\nFor more in-depth information on each of these regulations, visit : CFPB Laws and Regulations : CFPB official site 1. Debt Collection and Verification Requirements : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are mandated to provide specific information about a debt. Within five days of initial contact, they must send a written notice detailing : The amount of the debt. \n\nThe name of the creditor. \n\nA statement informing you of your right to dispute the debt within 30 days. \nXXXXXXXX XXXX XXXX  +6 Consumer Financial Protection Bureau +6 Consumer Advice +6 If you dispute the debt in writing within this 30-day period, the collector must cease collection efforts until they provide verification of the debt. This verification might include a copy of the original bill or a judgment. It's advisable to send your dispute letter via certified mail and retain copies for your records. \nConsumer Financial Protection Bureau +3 Consumer Advice +3 Consumer Financial Protection Bureau +3 2. Responsibilities of Credit Reporting Agencies ( CRAs ) : The Fair Credit Reporting Act ( FCRA ) outlines the duties of CRAs regarding consumer disputes : XXXX  +1 Consumer Finance.gov +1 Investigation of Disputes : Upon receiving a dispute from a consumer, CRAs are required to conduct a reasonable investigation unless the dispute is deemed frivolous or irrelevant. If they find the information to be inaccurate, they must promptly notify each CRA to which they provided the inaccurate information and provide necessary corrections. \nConsumer Financial Protection Bureau 3. Updating Personal Information with CRAs : If your phone has been stolen and you can not receive verification codes to update your information online, consider the following steps : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \nXXXX +6 XXXX Credit Report +6 XXXX Credit Report +6 XXXX  : You can change your freeze settings over the phone by calling XXXX. They will verify your identity by asking for your name, date of birth, address, and Social Security number. \nXXXX 4. Addressing Identity Theft : If your Social Security card and other identification documents have been stolen : Place Fraud Alerts and Credit Freezes : Contact all major CRAsEquifax, XXXX, XXXX, and XXXX place fraud alerts or credit freezes on your accounts. This action helps prevent new accounts from being opened in your name. \n\nMonitor Your Credit Reports : Regularly review your credit reports for any unauthorized activity. \n\nReport to Authorities : File a report with your local police department and the Federal Trade Commission ( FTC ) via IdentityTheft.gov. \n\n5. Challenges with Verification Codes and Customer Service : If you're unable to access customer service representatives directly and automated systems require verification codes sent to a stolen phone : Written Communication : Consider sending a detailed letter explaining your situation, including copies of identification documents, to the CRAs via certified mail. \n\nIn-Person Verification : Some CRAs may offer in-person services or notarized verification processes. Check their official websites or contact them for specific procedures. \n\n6. Additional Considerations : Documentation : When sending sensitive documents like your Social Security card or birth certificate, ensure you're using secure methods and only provide copies unless originals are specifically required. \n\nTimeliness : Be aware of any deadlines for disputing debts or reporting identity theft to ensure your rights are protected. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out to the CFPB directly through their official channels. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Information on Consumer Rights and Requirements for Credit Reporting and Identity Verification Dear Consumer Financial Protection Bureau, I am writing to formally request information regarding the rules, regulations, laws, and requirements that govern primary and secondary debt holders under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ). Specifically, I seek clarification on the formal process required when submitting a request for credit reports, particularly when supporting documents such as a Social Security card, birth certificate, identification issued by health and human services, and other forms of personal verification are included. \n\nAdditionally, I request information on : Debt Holder Responsibilities : The obligations of both primary and secondary debt holders in verifying and processing consumer requests for credit information. \n\nCredit Reporting Agency ( CRA ) Obligations : The responsibilities of XXXX, Equifax, XXXX, XXXX, XXXX XXXX, and XXXX in responding to requests from individuals when proper identification has been provided, including photographic documentation of Social Security cards and identification. \n\n30-Day Response Requirement : Whether any legal obligations exist for CRAs to respond within 30 days to such formal credit report requests and any recourse available if they fail to do so. \n\nIdentity Theft and Account Recovery : The policies and procedures governing the update of consumer information when a registered phone number associated with an account has been stolen. This includes guidance for cases where customer service representatives are inaccessible and login recovery options require a verification code sent to the original phone number on file, preventing account updates. \n\nAlternative Methods of Identity Verification : Accepted forms of identity verification when phone-based verification is not an option, particularly in cases where a consumers personal data and phone number have been compromised. \n\nI kindly request a comprehensive response outlining the legal framework, consumer rights, and responsibilities of the aforementioned entities in these matters. Please provide any official regulations, procedural guidelines, or additional steps that I may take to ensure compliance with the law while securing my financial information. \n\nI have enclosed copies of the necessary identifying documents for verification purposes and have included a pre-addressed return envelope for your response. If further documentation or clarification is required, please inform me at your earliest convenience. \n\nThank you for your time and assistance. I look forward to your response. \n\nSincerely, XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) enforces several laws that outline the responsibilities of debt collectors and credit reporting agencies ( CRAs ) when handling consumer information and requests. Here 's an overview : 1. Debt Collector Obligations : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must : Provide Validation Information : Within five days of initial contact, they must send a written notice detailing the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within 30 days. \nFederal Trade Commission Cease Collection Upon Dispute : If a consumer disputes the debt in writing within the 30-day period, the collector must halt collection efforts until they provide verification of the debt. \n\n2. Credit Reporting Agencies ' Responsibilities : The Fair Credit Reporting Act ( FCRA ) mandates that CRAs : Investigate Disputes Promptly : Upon receiving a dispute, CRAs are required to investigate and correct any inaccuracies found in the consumer 's file, typically within 30 days. \nConsumer Finance.gov Maintain Accurate Information : CRAs must adopt reasonable procedures to ensure the accuracy of the information they report. \nXXXX 3. Updating Personal Information : If your phone is stolen and you're unable to receive verification codes for updating your information : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \n\nXXXX : You can place a fraud alert online or by phone, which can assist in updating your contact information. \nXXXX XXXX : To request a credit report or update information, visit their website for instructions. \nXXXX 4. Identity Theft Considerations : In cases of identity theft involving stolen Social Security cards and other identification : Immediate Actions : Report the theft to the authorities and place fraud alerts or credit freezes with all major CRAs to prevent new accounts from being opened in your name. \nExperian Credit Report Documentation : When communicating with CRAs, provide copies of identifying documents and a detailed explanation of your situation. \n\nAlternative Verification Methods : If standard verification methods are inaccessible due to stolen devices, inquire about alternative methods such as in-person verification or notarized documents. \n\n5. Additional Credit Reporting Agencies : XXXX XXXX XXXX : A consumer reporting agency that provides consumer reports and credit scores to various companies. \nXXXX XXXX XXXX +1 XXXX +1 XXXX XXXX XXXX XXXX XXXX ) : A subsidiary of Visa that collects information on credit card and bank card approvals and denials. \nXXXX XXXX XXXX, XXXX. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out directly to the CFPB.","date_sent_to_company":"2025-03-26T22:26:21.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"12676264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-26T21:59:26.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Addressing Identity Theft : If your Social <em>Security</em> card and other identification documents have been stolen : Place Fraud Alerts and Credit <em>Freezes</em> : Contact all major CRAs<em>Equifax</em>, XXXX, XXXX, and XXXX place fraud alerts or credit <em>freezes</em> on your accounts. This action helps prevent new accounts from being opened in your name. \n\nMonitor Your Credit Reports : Regularly review your credit reports for any unauthorized activity."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[10.801361,"12676264"]},{"_index":"complaint-public-v1","_id":"12676948","_score":10.3180685,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In this report, I will break down the following key areas as requested : The role of the debt holders receipt from the United States Postal Service ( USPS ).\n\nThe duties and responsibilities of the Consumer Financial Protection Bureau ( CFPB ) in this context. \n\nThe appropriate actions a debt holder should take when there is evidence supporting the claim. \n\nActions to protect the account holder. \n\nHow a debt can be removed from a credit report ( probable cause and regulatory provisions ). \n\nThe responsibilities of credit reporting agencies and the corrective actions that can be taken. \n\nThe provisions and actions from the CFPB, including corrections. \n\nPrimary and secondary credit reporting agency responsibilities. \n\n1. Receipt from the United States Postal Service ( USPS ) as Evidence The receipt from USPS or any other evidence from a government entity, such as the USPS, could be used as evidence in disputes related to debt payments, communications, or deliveries related to account holders. These receipts can serve as documentation proving that a debt holder fulfilled their responsibilities by sending payments or communications, which may serve as evidence to defend against a claim or provide documentation in the context of financial disputes.\n\n2. Duties and Responsibilities of the Consumer Financial Protection Bureau ( CFPB ) The Consumer Financial Protection Bureau ( CFPB ) has a critical role in enforcing consumer protection laws, including those related to debt collection and credit reporting. The CFPB ensures that : Debt collectors comply with the Fair Debt Collection Practices Act ( FDCPA ).\n\nCredit reporting agencies follow guidelines for the accuracy of credit reports under the Fair Credit Reporting Act ( FCRA ).\n\nThe Consumer Financial Protection Act of 2010 enables the CFPB to regulate entities that handle consumer credit and debt-related services to protect consumers from unfair practices. \n\nThe CFPB provides enforcement and oversight to ensure that debt holders, consumers, and reporting agencies comply with regulations that ensure transparency, fairness, and the proper removal or correction of inaccurate or outdated information on credit reports. \n\n3. Action for Debt Holders with Evidence A debt holder who has evidence of fulfilling their responsibilities ( such as payment receipts or evidence of communication from USPS ) can take the following actions : Dispute the debt : Submit a formal dispute to the creditor, debt collector, or credit reporting agency ( CRA ) under FCRA Section 611. The CRA must then investigate within 30 days.\n\nProvide documentation : Provide evidence ( USPS receipt, proof of payment, etc. ) supporting the debt holder 's claim to the creditor, or the CRA during the dispute process.\n\nSubmit complaints : If the dispute is unresolved, a complaint can be submitted to the CFPB. The Bureau will intervene and help mediate between the consumer and the creditor or debt collector.\n\n4. Protection for Account Holders Consumers have specific protections under FCRA and FDCPA, which prevent unfair or inaccurate reporting and collection practices. The following are the protections available to account holders : Fair Debt Collection Practices Act ( FDCPA ) : Prevents debt collectors from engaging in abusive, unfair, or deceptive practices, including harassment and misrepresentation. \n\nFair Credit Reporting Act ( FCRA ) : Provides the right to dispute inaccurate information on credit reports. The law mandates that creditors or debt collectors must correct or delete erroneous data from credit reports.\n\nActions to protect the account holder : Dispute inaccurate debt information through the credit reporting agencies, or directly with the creditor or debt collector.\n\nFile a formal complaint with the CFPB if the issue remains unresolved.\n\n5. Probable Cause for Removal of Debt from Credit Reports A debt can be removed from an account holder 's credit report under the following conditions : Inaccuracy : Under FCRA Section 611, a consumer can dispute inaccuracies, and the CRA is obligated to investigate and correct any errors. If the debt holder provides evidence that the debt is incorrect, it should be removed. \n\nObsolescence : Under FCRA Section 605, negative information like missed payments, defaults, or charged-off debts must be removed after seven years, and bankruptcies after ten years.\n\nDebt Validation : Under FDCPA Section 809, a consumer can request verification of the debt. If the debt collector can not validate the debt, the account should be removed from the credit report.\n\nFraudulent Charges : If the debt was incurred due to identity theft or fraud, the consumer can request the removal of the debt from their credit report.\n\n6. Responsibilities of Credit Reporting Agencies Credit reporting agencies ( CRAs ) are required to : Maintain accurate and up-to-date information : As outlined in FCRA Section 607, CRAs must ensure that the information they report is accurate and fair.\n\nInvestigate disputes : Under FCRA Section 611, CRAs must investigate any disputes related to the accuracy of credit report information within 30 days. If an item is found to be incorrect, the CRA must delete or correct it. \n\nProvide the consumer with information : Upon the resolution of a dispute, CRAs must notify the consumer of the result and provide them with a free copy of the updated credit report. \n\n7. Provisions and Actions from the CFPB The CFPB enforces consumer rights in this context by ensuring compliance with FCRA, FDCPA, and other relevant laws. If a consumer experiences problems with debt collection or inaccurate credit reporting, they can : File a complaint with the CFPB, which will then investigate the issue and take corrective action as needed.\n\nWork with debt collectors and credit reporting agencies to mediate disputes and ensure compliance with consumer protection laws.\n\nThe CFPB can enforce penalties or corrective actions, including fines or penalties against non-compliant entities.\n\n8. Corrective Actions for the Debt Holder To rectify the situation and ensure that the debt is removed from their credit report, the debt holder should : Request validation of the debt and provide any necessary proof that the debt is either settled, inaccurate, or fraudulent.\n\nDispute the debt directly with the credit reporting agency or debt collector, providing evidence of payment or other documentation. \n\nFile a complaint with the CFPB if the issue is not resolved after disputes with the creditor or CRA.\n\nSeek legal counsel if necessary, especially if the debt has resulted in significant negative impacts on their credit report or financial situation.\n\nRelevant Sections of Law ( Consumer Financial Protection Bureau Website ) Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692 Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 Consumer Financial Protection Act of 2010 : Public Law 111-203 You can access these regulations directly on the CFPB website or through the official U.S. government website for legal code.\n\nFor more in-depth information on each of these regulations, visit : CFPB Laws and Regulations : CFPB official site 1. Debt Collection and Verification Requirements : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are mandated to provide specific information about a debt. Within five days of initial contact, they must send a written notice detailing : The amount of the debt. \n\nThe name of the creditor. \n\nA statement informing you of your right to dispute the debt within 30 days. \nXXXX XXXX XXXX  XXXX Consumer Financial Protection Bureau XXXX Consumer Advice XXXX If you dispute the debt in writing within this 30-day period, the collector must cease collection efforts until they provide verification of the debt. This verification might include a copy of the original bill or a judgment. It's advisable to send your dispute letter via certified mail and retain copies for your records. \nConsumer Financial Protection Bureau XXXX Consumer Advice XXXX Consumer Financial Protection Bureau XXXX XXXX. Responsibilities of Credit Reporting Agencies ( CRAs ) : The Fair Credit Reporting Act ( FCRA ) outlines the duties of CRAs regarding consumer disputes : EPIC XXXX Consumer Finance.gov XXXX Investigation of Disputes : Upon receiving a dispute from a consumer, CRAs are required to conduct a reasonable investigation unless the dispute is deemed frivolous or irrelevant. If they find the information to be inaccurate, they must promptly notify each CRA to which they provided the inaccurate information and provide necessary corrections. \nConsumer Financial Protection Bureau XXXX. Updating Personal Information with CRAs : If your phone has been stolen and you can not receive verification codes to update your information online, consider the following steps : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \nXXXX XXXX XXXX Credit Report XXXX XXXX Credit Report XXXX XXXX : You can change your freeze settings over the phone by calling XXXX. They will verify your identity by asking for your name, date of birth, address, and Social Security number. \nXXXX XXXX. Addressing Identity Theft : If your Social Security card and other identification documents have been stolen : Place Fraud Alerts and Credit Freezes : Contact all XXXX  CRAsEquifax, XXXX, XXXX, and XXXX place fraud alerts or credit freezes on your accounts. This action helps prevent new accounts from being opened in your name. \n\nMonitor Your Credit Reports : Regularly review your credit reports for any unauthorized activity. \n\nReport to Authorities : File a report with your local police department and the Federal Trade Commission ( FTC ) via IdentityTheft.gov. \n\n5. Challenges with Verification Codes and Customer Service : If you're unable to access customer service representatives directly and automated systems require verification codes sent to a stolen phone : Written Communication : Consider sending a detailed letter explaining your situation, including copies of identification documents, to the CRAs via certified mail.\n\nIn-Person Verification : Some CRAs may offer in-person services or notarized verification processes. Check their official websites or contact them for specific procedures.\n\n6. Additional Considerations : Documentation : When sending sensitive documents like your Social Security card or birth certificate, ensure you're using secure methods and only provide copies unless originals are specifically required. \n\nTimeliness : Be aware of any deadlines for disputing debts or reporting identity theft to ensure your rights are protected. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out to the CFPB directly through their official channels. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Information on Consumer Rights and Requirements for Credit Reporting and Identity Verification Dear Consumer Financial Protection Bureau, I am writing to formally request information regarding the rules, regulations, laws, and requirements that govern primary and secondary debt holders under the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ). Specifically, I seek clarification on the formal process required when submitting a request for credit reports, particularly when supporting documents such as a Social Security card, birth certificate, identification issued by health and human services, and other forms of personal verification are included. \n\nAdditionally, I request information on : Debt Holder Responsibilities : The obligations of both primary and secondary debt holders in verifying and processing consumer requests for credit information.\n\nCredit Reporting Agency ( CRA ) Obligations : The responsibilities of XXXX, XXXX, XXXX, XXXX, Advanced Resolution, and XXXX in responding to requests from individuals when proper identification has been provided, including photographic documentation of Social Security cards and identification. \n\n30-Day Response Requirement : Whether any legal obligations exist for CRAs to respond within 30 days to such formal credit report requests and any recourse available if they fail to do so. \n\nIdentity Theft and Account Recovery : The policies and procedures governing the update of consumer information when a registered phone number associated with an account has been stolen. This includes guidance for cases where customer service representatives are inaccessible and login recovery options require a verification code sent to the original phone number on file, preventing account updates. \n\nAlternative Methods of Identity Verification : Accepted forms of identity verification when phone-based verification is not an option, particularly in cases where a consumers personal data and phone number have been compromised. \n\nI kindly request a comprehensive response outlining the legal framework, consumer rights, and responsibilities of the aforementioned entities in these matters. Please provide any official regulations, procedural guidelines, or additional steps that I may take to ensure compliance with the law while securing my financial information.\n\nI have enclosed copies of the necessary identifying documents for verification purposes and have included a pre-addressed return envelope for your response. If further documentation or clarification is required, please inform me at your earliest convenience. \n\nThank you for your time and assistance. I look forward to your response. \n\nSincerely, XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) enforces several laws that outline the responsibilities of debt collectors and credit reporting agencies ( CRAs ) when handling consumer information and requests. Here 's an overview : 1. Debt Collector Obligations : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must : Provide Validation Information : Within five days of initial contact, they must send a written notice detailing the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within 30 days. \nFederal Trade Commission Cease Collection Upon Dispute : If a consumer disputes the debt in writing within the 30-day period, the collector must halt collection efforts until they provide verification of the debt.\n\n2. Credit Reporting Agencies ' Responsibilities : The Fair Credit Reporting Act ( FCRA ) mandates that CRAs : Investigate Disputes Promptly : Upon receiving a dispute, CRAs are required to investigate and correct any inaccuracies found in the consumer 's file, typically within 30 days.\n\nConsumer Finance.gov Maintain Accurate Information : CRAs must adopt reasonable procedures to ensure the accuracy of the information they report.\n\nFFIEC 3. Updating Personal Information : If your phone is stolen and you're unable to receive verification codes for updating your information : XXXX : To update personal information, you may need to contact XXXX directly by phone or mail, as online updates might not be feasible without access to your registered phone number. \n\nXXXX : You can place a fraud alert online or by phone, which can assist in updating your contact information. \nXXXX XXXX : To request a credit report or update information, visit their website for instructions. \nXXXX XXXX. Identity Theft Considerations : In cases of identity theft involving stolen Social Security cards and other identification : Immediate Actions : Report the theft to the authorities and place fraud alerts or credit freezes with all major CRAs to prevent new accounts from being opened in your name. \nExperian Credit Report Documentation : When communicating with CRAs, provide copies of identifying documents and a detailed explanation of your situation. \n\nAlternative Verification Methods : If standard verification methods are inaccessible due to stolen devices, inquire about alternative methods such as in-person verification or notarized documents. \n\nXXXX. Additional Credit Reporting Agencies : XXXX XXXX XXXX : A consumer reporting agency that provides consumer reports and credit scores to various companies. \nXXXX XXXX XXXX XXXX XXXX XXXX Advanced Resolution Services ( ARS ) : A subsidiary of XXXX  that collects information on credit card and bank card approvals and denials. \nXXXX XXXX XXXX, XXXX. \n\nFor personalized assistance, consider consulting with a consumer rights attorney or reaching out directly to the CFPB.","date_sent_to_company":"2025-03-26T22:26:22.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"48322","tags":null,"has_narrative":true,"complaint_id":"12676948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2025-03-26T22:25:54.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Addressing Identity Theft : If your Social <em>Security</em> card and other identification documents have been stolen : Place Fraud Alerts and Credit <em>Freezes</em> : Contact all XXXX  CRAs<em>Equifax</em>, XXXX, XXXX, and XXXX place fraud alerts or credit <em>freezes</em> on your accounts. This action helps prevent new accounts from being opened in your name. \n\nMonitor Your Credit Reports : Regularly review your credit reports for any unauthorized activity."]},"sort":[10.3180685,"12676948"]}]},"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":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":13}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1}]}}]}},"issue":{"doc_count":14,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":4}]}},{"key":"Problem with a 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":"Unable to get your credit report or credit score","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem getting your free annual credit report","doc_count":2},{"key":"Other problem getting your report or credit score","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Improper use of your report","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":1}]}},{"key":"Problem with a credit reporting 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":11},{"key":"Closed with non-monetary relief","doc_count":3}]}},"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":7},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"Advanced Resolution Services Inc.","doc_count":1},{"key":"Bread Financial Holdings, Inc.","doc_count":1}]}},"state":{"doc_count":14,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA","doc_count":5},{"key":"GA","doc_count":4},{"key":"MI","doc_count":3},{"key":"MS","doc_count":1},{"key":"OH","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":5}]}},"tags":{"doc_count":14,"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":{}}}