{"took":91,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1085,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3108496","_score":18.139883,"_source":{"product":"Mortgage","complaint_what_happened":"We were applying for a mortgage loan with Wells Fargo Bank, N.A. On XX/XX/2018, Wells Fargo sent the initial mortgage loan disclosure package, with all our personal information, such as our names, dates of birth, social security numbers, bank account numbers, previous addresses, bank account numbers, everything, to the wrong address. When we did not receive the package, we contacted Wells Fargo and then discovered that they had sent it to the wrong address. Well Fargo advised that they would make efforts to retrieve it, but to date, XX/XX/2018, we have heard nothing back from them. We had to change every bank account and credit card we have.","date_sent_to_company":"2018-12-26T17:24:09.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"3108496","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-12-24T15:26:05.000Z","state":"DE","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":["On XX/XX/2018, Wells Fargo sent the initial mortgage loan disclosure package, with all our personal information, such as our names, dates of birth, social <em>security</em> <em>numbers</em>, bank <em>account</em> <em>numbers</em>, <em>previous</em> <em>addresses</em>, bank <em>account</em> <em>numbers</em>, everything, to the wrong <em>address</em>. When we did not receive the package, we contacted Wells Fargo and then discovered that they had sent it to the wrong <em>address</em>."]},"sort":[18.139883,"3108496"]},{"_index":"complaint-public-v1","_id":"6041652","_score":17.606796,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Reference previous Complaint XXXX that details the dates and actions taken to remedy this situation. \n\nExperian had commited to remove the voluminous fraudulent/incorrect/mixed information from my credit report ; however, this has not happened. Experian 's commitment is documented in a letter to Experian, that was attached in the above referenced complaint. This has been an almost two year effort to resolve this. \n\nAll the fraudulent person information, false social security numbers ( over 30 different social security numbers! ), numerous names & addresses and accounts that do not belong to me are resulting in a poor credit rating that has adversely impacted me.","date_sent_to_company":"2022-10-02T20:52:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07920","tags":"Servicemember","has_narrative":true,"complaint_id":"6041652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-02T20:35:37.000Z","state":"NJ","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":["All the fraudulent person information, false social <em>security</em> <em>numbers</em> ( over 30 different social <em>security</em> <em>numbers</em>! ), numerous names & <em>addresses</em> and <em>accounts</em> that do not belong to me are resulting in a poor credit rating that has adversely impacted me."]},"sort":[17.606796,"6041652"]},{"_index":"complaint-public-v1","_id":"8805705","_score":17.584509,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"An unauthorized individual accessed my Experian account and changed both my email address and phone number without my consent, raising serious security concerns. Despite numerous attempts to recover my account by providing various personal details and prior contact information, including addresses, phone numbers, and previous email addresses, I have been unsuccessful. Additionally, efforts to sign in using my previous phone number and XXXX have failed to send verification codes to my phone, despite the correct number being displayed on the verification page. I am deeply troubled by the apparent ease with which the email address can be changed, contrasting sharply with the extensive security measures required to recover the account, which involve navigating numerous obstacles. \n\nXXXX Attempts : Multiple phone calls to Experian have been made in an effort to resolve this issue, but to no avail.","date_sent_to_company":"2024-04-18T22:22:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8805705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-18T22:02:50.000Z","state":null,"company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["An unauthorized individual accessed my Experian <em>account</em> and changed both my email <em>address</em> and phone number without my consent, raising serious <em>security</em> concerns. Despite numerous attempts to recover my <em>account</em> by providing various personal details and prior contact information, including <em>addresses</em>, phone <em>numbers</em>, and <em>previous</em> email <em>addresses</em>, I have been unsuccessful."]},"sort":[17.584509,"8805705"]},{"_index":"complaint-public-v1","_id":"6194455","_score":17.340462,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Received 5 letters with different account numbers stating closing account due to inactivity. \nSpoke with credit card company administering the letters to report i never had an account with them. Also verified that my social security number was used on the opening of these accounts. however, the name used was a previous one used 25 years ago with my current address.","date_sent_to_company":"2022-11-12T20:43:34.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"76148","tags":"Older American","has_narrative":true,"complaint_id":"6194455","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-11-12T20:32:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Received 5 letters with different <em>account</em> <em>numbers</em> stating closing <em>account</em> due to inactivity. \nSpoke with credit card company administering the letters to report i never had an <em>account</em> with them. Also verified that my social <em>security</em> number was used on the opening of these <em>accounts</em>. however, the name used was a <em>previous</em> one used 25 years ago with my current <em>address</em>."]},"sort":[17.340462,"6194455"]},{"_index":"complaint-public-v1","_id":"8615194","_score":16.533674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.","date_sent_to_company":"2024-03-23T20:18:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"8615194","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-23T20:18:46.000Z","state":"PA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":[". ** Please note in the screenshots of the 3 reported fraudulent <em>addresses</em> reported and the 2 reported fraudulent Social <em>Security</em> <em>Numbers</em> that are not mine."]},"sort":[16.533674,"8615194"]},{"_index":"complaint-public-v1","_id":"8615203","_score":16.527376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.","date_sent_to_company":"2024-03-23T20:18:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"8615203","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-23T20:18:46.000Z","state":"PA","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":[". ** Please note in the screenshots of the 3 reported fraudulent <em>addresses</em> reported and the 2 reported fraudulent Social <em>Security</em> <em>Numbers</em> that are not mine."]},"sort":[16.527376,"8615203"]},{"_index":"complaint-public-v1","_id":"8610169","_score":16.513512,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX also being reported at same time as the above mentioned XXXX XXXX XXXX XXXX Disputed incorrect information being reported to all 3 Credit Bureaus after I was notified of a XXXX XXXX XXXX CA address was reported on account. I previously disputed this account as fraudulent but response from company stated INVESTIGATION RESULTS- VERIFIED AS ACCURATE. I also submitted a fraudulent report with Consumer Finance at that time. ** Please note in the screenshots of the 3 reported fraudulent addresses reported and the 2 reported fraudulent Social Security Numbers that are not mine.","date_sent_to_company":"2024-03-23T20:18:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"8610169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-23T20:18:46.000Z","state":"PA","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":[". ** Please note in the screenshots of the 3 reported fraudulent <em>addresses</em> reported and the 2 reported fraudulent Social <em>Security</em> <em>Numbers</em> that are not mine."]},"sort":[16.513512,"8610169"]},{"_index":"complaint-public-v1","_id":"3325406","_score":16.355843,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is the second time my information was used in Equifaxs  data breaches. This will be a legal action, if Im not compensated for my information being prior exposed in XXXX and also in XXXX, XXXX for yet another data breach. I have previously disputed fraudulent/ unauthorized hard inquiries and accounts with Equifax XXXX I am a dissatisfied consumer and have previously added a a security alert on my credit report due to fraud. All of this has been a nightmare, has been an inconvenience and definitely has limited my trust with the credit bureaus. Tax dollars are being used to provide to credit bureaus so consumers information such as social security numbers, addresses, phone numbers, names, DOB and employer information can be protected. I am requesting for Equifax to give me peace of mind for all of the stress and previous disputes they have received by me or legal action with be conducted. Please see document below which I am affected by another data breach in XXXX from Equifax. I refuse to send any personal information/ documents via mail as this is how personal information is stolen. I am a displeased consumer who should receive a settlement for prior disputes, all inconveniences, data breaches that have exposed my information throughout the Web and across the world to unknown people and sources.","date_sent_to_company":"2019-07-31T23:33:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33157","tags":null,"has_narrative":true,"complaint_id":"3325406","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-07-31T23:04:28.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Tax dollars are being used to provide to credit bureaus so consumers information such as social <em>security</em> <em>numbers</em>, <em>addresses</em>, phone <em>numbers</em>, names, DOB and employer information can be protected. I am requesting for Equifax to give me peace of mind for all of the stress and <em>previous</em> disputes they have received by me or legal action with be conducted. Please see document below which I am affected by another data breach in XXXX from Equifax."]},"sort":[16.355843,"3325406"]},{"_index":"complaint-public-v1","_id":"12568863","_score":15.969339,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:11:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12568863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-19T15:54:01.000Z","state":"OR","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":["Since then, I have repeatedly discovered incorrect names, Social <em>Security</em> <em>numbers</em>, <em>addresses</em>, and phone <em>numbers</em> on my credit reports, indicating fraudulent activity such as credit cards with providers I have <em>previous</em> business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file."]},"sort":[15.969339,"12568863"]},{"_index":"complaint-public-v1","_id":"12559618","_score":15.961259,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:11:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12559618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-03-19T16:10:40.000Z","state":"OR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Since then, I have repeatedly discovered incorrect names, Social <em>Security</em> <em>numbers</em>, <em>addresses</em>, and phone <em>numbers</em> on my credit reports, indicating fraudulent activity such as credit cards with providers I have <em>previous</em> business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file."]},"sort":[15.961259,"12559618"]},{"_index":"complaint-public-v1","_id":"12568367","_score":15.96085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:11:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12568367","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-19T16:10:40.000Z","state":"OR","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":["Since then, I have repeatedly discovered incorrect names, Social <em>Security</em> <em>numbers</em>, <em>addresses</em>, and phone <em>numbers</em> on my credit reports, indicating fraudulent activity such as credit cards with providers I have <em>previous</em> business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file."]},"sort":[15.96085,"12568367"]},{"_index":"complaint-public-v1","_id":"2680956","_score":15.815567,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"None of the topics I was presented really described my issue so I chose this one. \n\nThis is an issue is with Experian allowing access to retrieving Credit Freeze PIN numbers online and the serious lack of security in protecting that access. \n\nXXXX XXXX, 2017 I went on Experian 's credit freeze website ( https : //www.experian.com/freeze/center.html ) and noticed that there was an unsecured menu that allows retrieval of credit Freeze PIN numbers accessible to anyone who just wanders in from the internet. That menu requires no login/password to access it and the information required to retrieve the PIN consists of the information exposed in the recent breach at XXXX and information easily available on the internet. Also I was able to go back and try again and again to access that account as many times as I wanted. \n\nUpon filing out the main form with my SSN and birthday as the main security objects I was presented with 4 'security ' questions. Three of the answers were easily found by XXXX on my name or buying a {$25.00} online background check on me. They were questions about previous employment, my previous phone number ( seriously ) and which bank I used. None of the banks listed were in my hometown so the correct choice \" none of the above '' was obvious. Even XXXX asks more secure questions than this, Worst of all once you got through this menu ( and like I said you have as many tries as you want ) instead of mailing the PIN to a verified address on record like the other Credit companies do the PIN was displayed on the screen visible to all along with the offer to email it to any email address you provided in the form! Why? Because there is no address on record because there is no account created for people with credit freezes. Experian just uses unverified information that is arbitrarily entered on their form. \n\nI can easily see Experian being the next company in the news for not securing their information properly because they obviously are not. I did n't authorize Experian to collect this information on me the least they can do is implement serious security to protect it, not just trying to make it as convenient and inexpensive as possible. \n\nIf you are going to allow PIN retrieval online ( which is insane to begin with ) at least secure it. It is the keys to the castle! \n\n- Create an account for all people with credit freezes with the usual name address, email, along with a login and password which will be needed in order to even get to this menu screen and then only allow the PIN for that account to be retrieved. \n\n- Only allow one try to get the information correct and then they need to call. Sorry you may need to hire a few more people but thats how real security works. \n\n- The security questions should be something in my credit history that would n't be found on the internet and certainly not publicly obtainable information like my previous phone number! \n\n- Most importantly, MAIL the PIN to a verified address ( and not on a postcard ). Inconvenient? yes. Secure? YES!","date_sent_to_company":"2017-09-21T19:30:09.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"025XX","tags":null,"has_narrative":true,"complaint_id":"2680956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-09-21T17:57:13.000Z","state":"MA","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":["Also I was able to go back and try again and again to access that <em>account</em> as many times as I wanted. \n\nUpon filing out the main form with my SSN and birthday as the main <em>security</em> objects I was presented with 4 '<em>security</em> ' questions. Three of the answers were easily found by XXXX on my name or buying a {$25.00} online background check on me. They were questions about <em>previous</em> employment, my <em>previous</em> phone number ( seriously ) and which bank I used."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[15.815567,"2680956"]},{"_index":"complaint-public-v1","_id":"11013917","_score":15.632347,"_source":{"product":"Debt collection","complaint_what_happened":"Harris & Harris Ltd. \n\nOn XX/XX/year>, around XXXX XXXX  I called XXXX regarding an account that I received a collection for that is attached to an address that I do not currently and have never lived in. The address for the fraudulent account is in XXXX, GA. I have never lived in XXXX, Georgia. \n\nAfter I provided my account number the representative confirmed there was nothing on that showed her that my account was sent to collections and transferred me to the security team. While speaking with the security team I had to submit the account numbers for both myself and the account number listed on the collection notice that I received. \n\nThe security team let me know that a payment was made but declined under account number XXXX. This is not the account number for my checking account. \n\nThe security said that he updated his notes to reflect the incident and that I must have received a misrouted call and my account is not in collections. The agent also stated that he requested that my phone numbers were removed from the incorrect address and Customer Solutions would have my updated information. \n\nOn XX/XX/year>, at XXXX XXXX  I received a call from Harris & Harris, asking me about payment in collections. I explained to the rep that I did not now, nor have I ever resided in XXXX, Georgia. The rep explained that the account was open from XXXX to XXXX I believe. I have been at my current address for years. The rep asked me several questions and I told her I was hesitant to give the information because I had given it to someone previously and they clearly had not communicated to the Collection agency. After speaking with the rep she said she was forwarding me to the security team at XXXX. \n\nWhile speaking with the team at XXXX, I went through the same issue where they wanted my information but could not explain to me why they had no notes of my previous call. The call went in circles, and I ended the conversation due to not having any way to verify who I was speaking to was an actual person that could help. \n\nLater that afternoon I went to the Harris & Harris website and requested proof of the debt belonging to me and had not heard anything back or even received an email. \n\nHarris & Harris did not take any measures to verify the debt they are collecting on for an address that does not belong to me and has not provided any information validating the date although I completed the form on their website. I am requesting that the incorrect collection is removed from all of my credit reports as it has negatively impacted my credit score which has implications on anything I would need to do with my finances going forward.","date_sent_to_company":"2024-12-03T19:43:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"Telecommunications debt","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"11013917","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Harris & Harris, Ltd.","date_received":"2024-12-03T19:12:55.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["While speaking with the <em>security</em> team I had to submit the <em>account</em> <em>numbers</em> for both myself and the <em>account</em> number listed on the collection notice that I received. \n\nThe <em>security</em> team let me know that a payment was made but declined under <em>account</em> number XXXX. This is not the <em>account</em> number for my checking <em>account</em>. \n\nThe <em>security</em> said that he updated his notes to reflect the incident and that I must have received a misrouted call and my <em>account</em> is not in collections."]},"sort":[15.632347,"11013917"]},{"_index":"complaint-public-v1","_id":"12285650","_score":15.480572,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I tried to sign up for a Zip account using my phone number. Instead of allowing me to create a new account, Zip automatically logged me into an existing account that appeared to belong to the previous owner of my phone number. I was shown a balance of {$150.00} available to spend, and I could see the previous account holder 's name and address, which is concerning because I have no connection to this person. \n\nThis is a serious security issue because it gave me access to someone elses personal and financial information without verifying my identity. I did not proceed further because I didnt know how to log out or contact Zip for help. However, this raises major concerns about Zips security practices. Phone numbers are frequently reassigned, and without proper identity verification, this could lead to unauthorized access or fraud.\n\nI am requesting that Zip investigate this issue, update its authentication process to prevent this from happening to others, and ensure my phone number is removed from any account that does not belong to me.","date_sent_to_company":"2025-03-02T04:55:54.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"77089","tags":null,"has_narrative":true,"complaint_id":"12285650","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zip Co US Inc.","date_received":"2025-03-02T04:32:23.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["On XX/XX/year>, I tried to sign up for a Zip <em>account</em> using my phone number. Instead of allowing me to create a new <em>account</em>, Zip automatically logged me into an existing <em>account</em> that appeared to belong to the <em>previous</em> owner of my phone number. I was shown a balance of {$150.00} available to spend, and I could see the <em>previous</em> <em>account</em> holder 's name and <em>address</em>, which is concerning because I have no connection to this person."],"issue":["Managing, opening, or closing your mobile wallet <em>account</em>"]},"sort":[15.480572,"12285650"]},{"_index":"complaint-public-v1","_id":"12569000","_score":15.392895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:20:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12569000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-03-19T16:13:28.000Z","state":"OR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally <em>address</em> the ongoing issues with my credit reports and request immediate intervention. My Social <em>Security</em> number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social <em>Security</em> <em>numbers</em>, <em>addresses</em>, and phone <em>numbers</em> on my credit reports, indicating fraudulent activity."]},"sort":[15.392895,"12569000"]},{"_index":"complaint-public-v1","_id":"12567959","_score":15.392895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:20:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12567959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-03-19T16:19:52.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally <em>address</em> the ongoing issues with my credit reports and request immediate intervention. My Social <em>Security</em> number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social <em>Security</em> <em>numbers</em>, <em>addresses</em>, and phone <em>numbers</em> on my credit reports, indicating fraudulent activity."]},"sort":[15.392895,"12567959"]},{"_index":"complaint-public-v1","_id":"12559640","_score":15.371271,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:20:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12559640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2025-03-19T16:19:52.000Z","state":"OR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally <em>address</em> the ongoing issues with my credit reports and request immediate intervention. My Social <em>Security</em> number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social <em>Security</em> <em>numbers</em>, <em>addresses</em>, and phone <em>numbers</em> on my credit reports, indicating fraudulent activity."]},"sort":[15.371271,"12559640"]},{"_index":"complaint-public-v1","_id":"2981169","_score":15.260165,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On or about XX/XX/2018, I called XXXX XXXX for an auto insurance quote. The quote came back more than double my previous rate and I was told by the rep that they had pulled a LexisNexis report that showed multiple accidents accounting for the increased rate. I contacted LexisNexis and requested a copy of the report. \n\nThe report I received from them dated XX/XX/2018 includes accidents for other individuals from other states with different dates of birth and social security numbers. I contacted LexisNexis and was told that my insurance company had provided that information to them and that I would need to contact my insurance company. When I contacted my insurance company they did not have that incorrect information and said they did not provide that incorrect information. \n\nI filed disputes with LexisNexis for the incorrect information and am still waiting for a response. I feel that LexisNexis should be held accountable for recording incorrect information especially when they have dates of birth, addresses, and social security numbers, all of which are easily verifiable. There is no reason for other individuals ' information to be carelessly put on my report.","date_sent_to_company":"2018-08-02T17:59:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"44120","tags":null,"has_narrative":true,"complaint_id":"2981169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2018-08-02T17:37:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The quote came back more than double my <em>previous</em> rate and I was told by the rep that they had pulled a LexisNexis report that showed multiple accidents <em>accounting</em> for the increased rate. I contacted LexisNexis and requested a copy of the report. \n\nThe report I received from them dated XX/XX/2018 includes accidents for other individuals from other states with different dates of birth and social <em>security</em> <em>numbers</em>."]},"sort":[15.260165,"2981169"]},{"_index":"complaint-public-v1","_id":"2369070","_score":15.173248,"_source":{"product":"Credit reporting","complaint_what_happened":"XXXX collection account is reporting on my credit for a long time. I disputed this account several times and always come back verified. The thing is that I called directly to the agency ( XXXX ) and they are not able to find any account under my name, social security number, addresses, previous phone numbers, date of birth ... All personal identity information was provided and they never found me on their system but still reporting the false and damaging account on my credit as verified and accurate. I requested in writing several times a validation of debt such as signed contract but credit bureau and the creditor never complied. Transunion and XXXX continue reporting inaccurate and invalid information on my credit without any valid reason.","date_sent_to_company":"2017-03-02T18:09:39.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"32807","tags":null,"has_narrative":true,"complaint_id":"2369070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-03-02T18:09:38.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["XXXX collection <em>account</em> is reporting on my credit for a long time. I disputed this <em>account</em> several times and always come back verified. The thing is that I called directly to the agency ( XXXX ) and they are not able to find any <em>account</em> under my name, social <em>security</em> number, <em>addresses</em>, <em>previous</em> phone <em>numbers</em>, date of birth ..."]},"sort":[15.173248,"2369070"]},{"_index":"complaint-public-v1","_id":"12281506","_score":15.1255245,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX FTC Report Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am filing this formal complaint against the credit reporting agencies and relevant financial institutions due to their failure to address my repeated requests regarding identity theft and fraudulent accounts appearing on my credit report. Despite multiple attempts to correct this issue, these agencies have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.\n\nSummary of Issues : Fraudulent Accounts & Identity Theft : Unauthorized accounts have been opened in my name as a result of identity theft.\n\nI was previously unable to access my credit profile, which further supports my claim of identity theft.\n\nFailure to Update Personal Information : My personal information has not been updated despite multiple requests. \n\nI have requested that my full legal name be displayed as XXXX XXXX XXXX only. \n\nAll outdated and irrelevant addresses should be removed, with the only valid address being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \n\nAll phone numbers currently listed should be deleted. \n\nMy Social Security number and date of birth should not be displayed on my credit report. \n\nMy employer information should be deleted.\n\nData Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. \n\nXXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport numbers. \n\nExperian breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. \n\nDespite repeated requests, the credit bureaus failed to act on these breaches, leaving me vulnerable to further fraud. \n\nFailure to Provide Method of Verification : Each credit reporting agency has refused to provide the method of verification for disputed accounts. This is a direct violation of the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.\n\n15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.\n\n15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.\n\n15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.\n\nDisputed Accounts & Inconsistencies : There are discrepancies among TransUnion, Experian, and Equifax that indicate identity theft and reporting errors.\n\nI demand an immediate investigation and correction of these issues.","date_sent_to_company":"2025-03-02T23:38:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12281506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-02T23:38:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Data Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social <em>Security</em> <em>numbers</em>, DOBs, and <em>addresses</em> exposed. \n\nXXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport <em>numbers</em>. \n\nExperian breach ( XXXX ) : Millions of Social <em>Security</em> <em>numbers</em> and credit histories exposed."]},"sort":[15.1255245,"12281506"]},{"_index":"complaint-public-v1","_id":"12281593","_score":15.115954,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX FTC Report Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am filing this formal complaint against the credit reporting agencies and relevant financial institutions due to their failure to address my repeated requests regarding identity theft and fraudulent accounts appearing on my credit report. Despite multiple attempts to correct this issue, these agencies have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.\n\nSummary of Issues : Fraudulent Accounts & Identity Theft : Unauthorized accounts have been opened in my name as a result of identity theft.\n\nI was previously unable to access my credit profile, which further supports my claim of identity theft.\n\nFailure to Update Personal Information : My personal information has not been updated despite multiple requests. \n\nI have requested that my full legal name be displayed as XXXX XXXX XXXX only. \n\nAll outdated and irrelevant addresses should be removed, with the only valid address being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \n\nAll phone numbers currently listed should be deleted. \n\nMy Social Security number and date of birth should not be displayed on my credit report. \n\nMy employer information should be deleted.\n\nData Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. \n\nXXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport numbers. \n\nExperian breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. \n\nDespite repeated requests, the credit bureaus failed to act on these breaches, leaving me vulnerable to further fraud. \n\nFailure to Provide Method of Verification : Each credit reporting agency has refused to provide the method of verification for disputed accounts. This is a direct violation of the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.\n\n15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.\n\n15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.\n\n15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.\n\nDisputed Accounts & Inconsistencies : There are discrepancies among TransUnion, Experian, and Equifax that indicate identity theft and reporting errors.\n\nI demand an immediate investigation and correction of these issues.","date_sent_to_company":"2025-03-02T23:38:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12281593","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-02T23:27:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Data Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social <em>Security</em> <em>numbers</em>, DOBs, and <em>addresses</em> exposed. \n\nXXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport <em>numbers</em>. \n\nExperian breach ( XXXX ) : Millions of Social <em>Security</em> <em>numbers</em> and credit histories exposed."]},"sort":[15.115954,"12281593"]},{"_index":"complaint-public-v1","_id":"12281504","_score":15.115954,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX FTC Report Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am filing this formal complaint against the credit reporting agencies and relevant financial institutions due to their failure to address my repeated requests regarding identity theft and fraudulent accounts appearing on my credit report. Despite multiple attempts to correct this issue, these agencies have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.\n\nSummary of Issues : Fraudulent Accounts & Identity Theft : Unauthorized accounts have been opened in my name as a result of identity theft.\n\nI was previously unable to access my credit profile, which further supports my claim of identity theft.\n\nFailure to Update Personal Information : My personal information has not been updated despite multiple requests. \n\nI have requested that my full legal name be displayed as XXXX XXXX XXXX only. \n\nAll outdated and irrelevant addresses should be removed, with the only valid address being XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. \n\nAll phone numbers currently listed should be deleted. \n\nMy Social Security number and date of birth should not be displayed on my credit report. \n\nMy employer information should be deleted.\n\nData Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. \n\nXXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport numbers. \n\nExperian breach ( XXXX ) : Millions of Social Security numbers and credit histories exposed. \n\nDespite repeated requests, the credit bureaus failed to act on these breaches, leaving me vulnerable to further fraud. \n\nFailure to Provide Method of Verification : Each credit reporting agency has refused to provide the method of verification for disputed accounts. This is a direct violation of the following laws : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.\n\n15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.\n\n15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.\n\n15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.\n\nDisputed Accounts & Inconsistencies : There are discrepancies among TransUnion, Experian, and Equifax that indicate identity theft and reporting errors.\n\nI demand an immediate investigation and correction of these issues.","date_sent_to_company":"2025-03-02T23:38:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"12281504","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-02T23:38:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Data Breach Impact & Negligence in Protecting My Information : I am a victim of multiple data breaches that have compromised my personal information, including : Equifax breach ( XXXX ) : XXXX XXXX Social <em>Security</em> <em>numbers</em>, DOBs, and <em>addresses</em> exposed. \n\nXXXX breach ( XXXX ) : XXXX XXXX customer records leaked, including passport <em>numbers</em>. \n\nExperian breach ( XXXX ) : Millions of Social <em>Security</em> <em>numbers</em> and credit histories exposed."]},"sort":[15.115954,"12281504"]},{"_index":"complaint-public-v1","_id":"2720172","_score":14.948645,"_source":{"product":"Checking or savings account","complaint_what_happened":"PNC Bank enrolls members using checks in a service that automatically reorders checks once a certain amount of checks from the previous order are used.\nI received my last batch of checks at my then current address. In XX/XX/XXXX, I moved to a new address. I subsequently updated my address with PNC. I inquired at the time and was informed that the change of address would apply to all products across the account and there would be no need to make any further changes or updates to my information.\nIn XX/XX/XXXX, I wrote the last check from the previous batch. I stopped into the local branch to inquire about re-orders and was told that a re-order had been placed on XX/XX/XXXX. On XX/XX/XXXX, with no checks arriving, I checked the website, which said no reorder was pending.\nI then contacted PNC 's customer service, who informed me that no reorder was pending, because checks had been re-ordered inXX/XX/XXXX. Those checks, I was informed, had gone to the previous address, despite changing the address on the account over a year prior. I was told that a letter ( not certified mail ) had been sent to my current address confirming the order. I did not receive a letter. I was also told that it is the bank 's practice not to update the address on check reorders except specifically in reply to that letter.\nPNC did not track or confirm receipt of the checks issued inXX/XX/XXXX. There are now 100 checks in my name, with my account numbers, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check numbers for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing security risk to the account. PNC was not able to offer any other solutions.\nPNC 's practice of retaining addresses they know to be outdated for check orders is troubling, as is the failure to provide any sort of verifiable confirmation of reorders or verification that checks mailed are received. Even more troubling is PNC 's inability to mitigate their own negligence with regard to checks that remain active and unaccounted for.","date_sent_to_company":"2017-11-03T17:37:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"2720172","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2017-11-03T17:02:45.000Z","state":"DC","company_public_response":null,"sub_issue":"Cashing a check"},"highlight":{"complaint_what_happened":["There are now 100 checks in my name, with my <em>account</em> <em>numbers</em>, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check <em>numbers</em> for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing <em>security</em> risk to the <em>account</em>. PNC was not able to offer any other solutions."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Checking <em>account</em>"]},"sort":[14.948645,"2720172"]},{"_index":"complaint-public-v1","_id":"9381849","_score":14.901319,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have been complaining to TransUnion about errors on my credit report including my name address date of birth previous phone numbers all of my work history is incorrect many accounts are incorrect I've gotten notices in the mail saying my identity was stolen or compromised however it's worded I've been trying for 10 years to correct the problem with TransUnion I had no idea who to complain to until now they have never tried to assist me in the past 10 years of me complaining that my credit report is messed up and I'm on social security XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-06-29T15:46:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"032XX","tags":"Servicemember","has_narrative":true,"complaint_id":"9381849","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-29T15:36:22.000Z","state":"NH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["I have been complaining to TransUnion about errors on my credit report including my name <em>address</em> date of birth <em>previous</em> phone <em>numbers</em> all of my work history is incorrect many <em>accounts</em> are incorrect I've gotten notices in the mail saying my identity was stolen or compromised however it's worded I've been trying for 10 years to correct the problem with TransUnion I had no idea who to complain to until now they have never tried to assist me in the past 10 years of me complaining that my credit report"]},"sort":[14.901319,"9381849"]},{"_index":"complaint-public-v1","_id":"22323777","_score":14.828637,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding possible unauthorized banking activity and identity misuse associated with Wells Fargo accounts or services that I do not recognize or authorize. \n\nI believe my personal information may have been used without my permission to open, access, modify, or operate financial accounts and/or redirect funds. \n\nI request : XXXX. 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