{"took":210,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":101,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"5399754","_score":25.1368,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I am locked out of my Coinbase account and having trouble verifying my identity. They will not work with me to verify my identity through documentation. For health reasons, I am unable to go and get an ID card from the DMV, but they will not allow other forms of identification despite the following in their Terms of Service : \" The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, a government identification, and information regarding your bank account ( such as the name of the bank, the account type, routing number, and account number ) and in some cases ( where permitted by law ), special categories of personal data, such as your biometric information. '' I have offered to provide taxpayer identification, email communications, bank statements, account numbers, social security number, etc. but they will not accept those and insist on only accepting the one thing which I can not obtain. In addition, they have on file an old identification card of mine and they also refuse photographic proof of identity. I just want to get back into my account and remove my funds. They are rude and unaccommodating to the XXXX.","date_sent_to_company":"2022-04-03T03:00:26.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"27288","tags":null,"has_narrative":true,"complaint_id":"5399754","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-04-03T02:49:11.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["For health reasons, I am unable to go and get an ID card from the DMV, but they will not allow <em>other</em> forms of <em>identification</em> despite the following in their Terms of Service : \" The <em>information</em> we request may include certain personal <em>information</em>, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, <em>taxpayer</em> <em>identification</em> number, a government <em>identification</em>, and <em>information</em> regarding your bank account ( such as the name of the bank, the account type,"],"issue":["<em>Other</em> service problem"]},"sort":[25.1368,"5399754"]},{"_index":"complaint-public-v1","_id":"6155763","_score":23.871305,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX  of the Federal Rule of Bankruptcy Procedure. \n\n\nRule XXXX of the XXXX XXXX of XXXX  XXXX went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.","date_sent_to_company":"2022-11-02T04:31:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6155763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-02T04:31:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["as <em>other</em> private or sensitive <em>information</em> identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[23.871305,"6155763"]},{"_index":"complaint-public-v1","_id":"6155764","_score":23.815165,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX of the Federal Rule of Bankruptcy Procedure. \n\n\nXXXX XXXX  of the Federal Rules of Bankruptcy Procedure went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX  addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.","date_sent_to_company":"2022-11-02T04:31:34.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6155764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-11-02T04:31:30.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["well as <em>other</em> private or sensitive <em>information</em> identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[23.815165,"6155764"]},{"_index":"complaint-public-v1","_id":"3254923","_score":23.787882,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have recently been informed that there is negative information reported by US Bankruptcy Court Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX Chapter XXXX Bankruptcy Reference # XXXX. \nI challenge the accuracy, compliance and reportability of this listing. \nPlease validate this information with US Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.","date_sent_to_company":"2019-05-28T07:21:26.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"3254923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-05-28T03:07:20.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em>-<em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[23.787882,"3254923"]},{"_index":"complaint-public-v1","_id":"3254929","_score":23.735445,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have recently been informed that there is negative information reported by XXXX Bankruptcy XXXX Il XXXX in my file maintained under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Discharged Chapter XXXX Bankruptcy Reference # XXXX. \nI challenge the accuracy, compliance and reportability of this listing. \nPlease validate this information with XXXX Bankruptcy Court Il XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.Privacy Protection for Filings Made with the Court ( a ) REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number. I have also included documents for the courts to show they do not report any information to the credit bureaus where you claimed the information was verified.","date_sent_to_company":"2019-05-28T07:21:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"3254929","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-05-28T03:21:30.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em>-<em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[23.735445,"3254929"]},{"_index":"complaint-public-v1","_id":"6155828","_score":23.412268,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of 9037 of the Federal Rule of Bankruptcy Procedure.\n\nRule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.","date_sent_to_company":"2022-11-02T04:31:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6155828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-02T04:01:50.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[", as well as <em>other</em> private or sensitive <em>information</em> identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[23.412268,"6155828"]},{"_index":"complaint-public-v1","_id":"6551002","_score":22.84103,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account name : XXXX XXXXXXXX XXXX US BKPT CT AZ XXXX XXXX XXXX The United States Bankruptcy Court for the District of Arizona does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure \" Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, XXXX through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. \n\nLexisNexis obtained redacted information illegally and subsequently sold the illegally obtained information to Credit Reporting Agencies.","date_sent_to_company":"2023-02-10T01:57:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85205","tags":"Servicemember","has_narrative":true,"complaint_id":"6551002","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-02-10T01:53:25.000Z","state":"AZ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em>-<em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[22.84103,"6551002"]},{"_index":"complaint-public-v1","_id":"6480111","_score":22.786184,"_source":{"product":"Debt collection","complaint_what_happened":"There was a XXXX form files that you have not addressed. Attached below Also Under the XXXX XXXX of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. And you have reported such information which means fraud has been taken place Instructions for Borrower ( the company ) Certain lenders who acquire an interest in property that was security for a loan or who have reason to know that such property has been abandoned must provide you with this statement. You may have reportable income or loss because of such acquisition or abandonment. Gain or loss from an acquisition is generally measured by the difference between your adjusted basis in the property and the amount of your debt canceled in exchange for the property, or, if greater, the sale proceeds. If you abandoned the property, you may have income from the discharge of indebtedness in the amount of the unpaid balance of your canceled debt. The tax consequences of abandoning property depend on whether or not you were personally liable for the debt. Losses on acquisitions or abandonments of property held for personal use are not deductible. See Pub. 4681 for information about your tax consequences.\n\nProperty means any real property ( such as a personal residence ) ; any intangible property ; and tangible personal property that is held for investment or used in a trade or business.\n\nIf you borrowed money on this property with someone else, each of you should receive this statement.\n\nBorrower 's identification number. For your protection, this form may show only the last four digits of your social security number ( SSN ), individual taxpayer identification number ( ITIN ), adoption taxpayer identification number ( ATIN ), or employer identification number ( EIN ). However, the issuer has reported your complete identification number to the IRS.\n\nAccount number. May show an account or other unique number the lender assigned to distinguish your account.","date_sent_to_company":"2023-01-24T20:50:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"6480111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-01-24T20:42:46.000Z","state":"NY","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["For your protection, this form may show only the last four digits of your social <em>security</em> number ( SSN ), individual <em>taxpayer</em> <em>identification</em> number ( ITIN ), adoption <em>taxpayer</em> <em>identification</em> number ( ATIN ), or employer <em>identification</em> number ( EIN ). However, the issuer has reported your complete <em>identification</em> number to the IRS.\n\nAccount number. May show an account or <em>other</em> unique number the lender assigned to distinguish your account."]},"sort":[22.786184,"6480111"]},{"_index":"complaint-public-v1","_id":"6479983","_score":22.703512,"_source":{"product":"Debt collection","complaint_what_happened":"There was a XXXX form files that you have not addressed. Attached below Also Under the XXXX XXXX of 1999 nonpublic information such as late payments or charge off shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802. And you have reported such information which means fraud has been taken place Instructions for Borrower ( the company ) Certain lenders who acquire an interest in property that was security for a loan or who have reason to know that such property has been abandoned must provide you with this statement. You may have reportable income or loss because of such acquisition or abandonment. Gain or loss from an acquisition is generally measured by the difference between your adjusted basis in the property and the amount of your debt canceled in exchange for the property, or, if greater, the sale proceeds. If you abandoned the property, you may have income from the discharge of indebtedness in the amount of the unpaid balance of your canceled debt. The tax consequences of abandoning property depend on whether or not you were personally liable for the debt. Losses on acquisitions or abandonments of property held for personal use are not deductible. See Pub. 4681 for information about your tax consequences. Property means any real property ( such as a personal residence ) ; any intangible property ; and tangible personal property that is held for investment or used in a trade or business. If you borrowed money on this property with someone else, each of you should receive this statement. Borrower 's identification number. For your protection, this form may show only the last four digits of your social security number ( SSN ), individual taxpayer identification number ( ITIN ), adoption taxpayer identification number ( ATIN ), or employer identification number ( EIN ). However, the issuer has reported your complete identification number to the IRS. Account number. May show an account or other unique number the lender assigned to distinguish your account.","date_sent_to_company":"2023-01-24T20:58:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"11201","tags":null,"has_narrative":true,"complaint_id":"6479983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-24T20:53:57.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["For your protection, this form may show only the last four digits of your social <em>security</em> number ( SSN ), individual <em>taxpayer</em> <em>identification</em> number ( ITIN ), adoption <em>taxpayer</em> <em>identification</em> number ( ATIN ), or employer <em>identification</em> number ( EIN ). However, the issuer has reported your complete <em>identification</em> number to the IRS. Account number. May show an account or <em>other</em> unique number the lender assigned to distinguish your account."]},"sort":[22.703512,"6479983"]},{"_index":"complaint-public-v1","_id":"6550981","_score":22.688112,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Account name : Bankruptcy XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX The United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure \" Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, Experian through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. \n\nXXXX obtained redacted information illegally and subsequently sold the illegally obtained information to XXXX XXXX XXXX.","date_sent_to_company":"2023-02-10T01:57:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"85205","tags":"Servicemember","has_narrative":true,"complaint_id":"6550981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-10T01:57:36.000Z","state":"AZ","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":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em>-<em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[22.688112,"6550981"]},{"_index":"complaint-public-v1","_id":"1736976","_score":21.611265,"_source":{"product":"Bank account or service","complaint_what_happened":"Discover bank requires a SSN to open a checking account and does not allow the use of an ITIN. Spoke to multiple agents who all said that I simply would not be able to open a checking account ( despite having a credit card and savings with them ). \nIt also states on the bottom of the application that they need either of the XXXX, not necessarily a SSN : \" Important Information To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each individual and entity that opens an account. \n\nWhat This Means for You - When opening an account, we may ask you to provide your name, address, Social Security Number or other Taxpayer Identification Number ( \" TIN '' ), and other information that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or other identifying documents. ''","date_sent_to_company":"2016-01-12T03:36:22.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"11901","tags":null,"has_narrative":true,"complaint_id":"1736976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2016-01-12T03:36:21.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["What This Means for You - When opening an account, we may ask you to provide your name, address, Social <em>Security</em> Number or <em>other</em> <em>Taxpayer</em> <em>Identification</em> Number ( \" TIN '' ), and <em>other</em> <em>information</em> that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or <em>other</em> identifying documents. ''"]},"sort":[21.611265,"1736976"]},{"_index":"complaint-public-v1","_id":"5502748","_score":21.498524,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"this is in regards to dishonest company known as XXXX XXXX XXXX ''. A company that serve as a credit building tool where you get a secure credit and after you pay it off thy report it as paid and will refund you the deposit put initially. \nI have a screenshot of the promise that my payment was being processed on XXXX and that is only gon na take 1 to 2 business days and I've attached it along with the policy page. \n\nUnfortunately for my case they are refusing to refund under the pretext that I need XXXX issued passport when their own policies outline that for XXXX XXXXXXXX citizen a passport number and country of issuance is all that is required to verify my identity. \nI have sent them my XXXX passport a month ago and every time they promise that a supervisor or higher up will call me back but they never honored their promises. I'm literally using the policy on the website to get them to follow their own and its not helping as they that incompetent. \n\nOne agent by the name of XXXX have agreed with a 100 % that passport I sent is all they need but claimed she is not the one who has the authority to release my deposit. \nI insisted that I wait on the line while she communicates with the back end to help come up with a resolution she told me follow up via email and hung up abruptly like the two other agent before her. \n\nThe body of text below is from their website XXXX XXXX XXXX and it quotes : ''Types of Information You Will Need to Provide When you open an account, we are required to collect information such as the following from you : Your name Date of birth Address Identification number XXXX Citizen : taxpayer identification number ( Social Security Number ) XXXX Citizen : taxpayer identification number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence and a photograph of you ''.","date_sent_to_company":"2022-04-26T20:02:16.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Personal line of credit","zip_code":"22306","tags":null,"has_narrative":true,"complaint_id":"5502748","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2022-04-26T18:27:57.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The body of text below is from their website XXXX XXXX XXXX and it quotes : ''Types of <em>Information</em> You Will Need to Provide When you open an account, we are required to collect <em>information</em> such as the following from you : Your name Date of birth Address <em>Identification</em> number XXXX Citizen : <em>taxpayer</em> <em>identification</em> number ( Social <em>Security</em> Number ) XXXX Citizen : <em>taxpayer</em> <em>identification</em> number, passport number and country of issuance, alien <em>identification</em> card number, or government-issued <em>identification</em>"]},"sort":[21.498524,"5502748"]},{"_index":"complaint-public-v1","_id":"2932392","_score":21.017126,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Lexis Nexis XXXX XXXX XXXXXXXX XXXX, GA XXXX RE : Social Security Number : ********** To Whom It May Concern : In your letter dated XX/XX/2018, page 2 you acknowledge that under the FCRA that I have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information. \n\nI am requesting the exact method of verification used considering Bankruptcy Rule 9037 ( a ). \n\nREDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.\n\nPlease note : You may not surmise that just because a name, partial address, partial account number, partial SS number, generation ( Jr., Sr. ), and or the 2nd or 3rd generation etc. is accurate. \n\nTherefore, based upon Bankruptcy rule 9037a above, the information many not be verified based upon assumptions.\n\nFailure to respond satisfactorily with a deletion from your records within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.","date_sent_to_company":"2018-06-11T20:25:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44039","tags":null,"has_narrative":true,"complaint_id":"2932392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2018-06-11T20:13:16.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em> <em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[21.017126,"2932392"]},{"_index":"complaint-public-v1","_id":"4867615","_score":20.160738,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Transunion for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told \" Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX from which Transunion has gotten this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.","date_sent_to_company":"2021-11-02T17:38:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"4867615","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-11-02T17:29:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Specifically, Rule 9037 requires the redaction of specific personal <em>identification</em> <em>information</em> ( i.e., Social <em>Security</em> and <em>taxpayer</em> <em>identification</em> numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as <em>other</em> private or sensitive <em>information</em> identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Public record <em>information</em> inaccurate"]},"sort":[20.160738,"4867615"]},{"_index":"complaint-public-v1","_id":"4868230","_score":20.147219,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I like to file a complaint against Equifax for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told \" Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX from which Equifax has got this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.","date_sent_to_company":"2021-11-02T19:09:33.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"4868230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-11-02T19:04:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Specifically, Rule 9037 requires the redaction of specific personal <em>identification</em> <em>information</em> ( i.e., Social <em>Security</em> and <em>taxpayer</em> <em>identification</em> numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as <em>other</em> private or sensitive <em>information</em> identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"]},"sort":[20.147219,"4868230"]},{"_index":"complaint-public-v1","_id":"4867434","_score":20.063776,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told \" XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.","date_sent_to_company":"2021-11-02T17:29:07.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"77493","tags":null,"has_narrative":true,"complaint_id":"4867434","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-11-02T16:52:16.000Z","state":"TX","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Specifically, Rule 9037 requires the redaction of specific personal <em>identification</em> <em>information</em> ( i.e., Social <em>Security</em> and <em>taxpayer</em> <em>identification</em> numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as <em>other</em> private or sensitive <em>information</em> identified by the court for cause."],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_product":["<em>Other</em> personal consumer report"],"sub_issue":["Public record <em>information</em> inaccurate"]},"sort":[20.063776,"4867434"]},{"_index":"complaint-public-v1","_id":"7095823","_score":19.94766,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a formal complaint against 1st Bank regarding the discriminatory treatment I experienced during my attempt to open a business account on XX/XX/2023. The incident occurred under the supervision of XXXX XXXX, who provided misleading information and exhibited discriminatory behavior. \n\nDuring my visit to the bank, XXXX XXXX assured me that there would be no credit check required to open a business account. I provided my Tax Identification Number ( TIN ) and other necessary documentation, including my Employer Identification Number ( EIN ), passport, and Articles of Organization. However, XXXX XXXX then demanded my Social Security Number ( SSN ), despite my attempts to educate her on the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ). \n\nAs per the CFPB guidelines, a Social Security Number is not mandatory for opening a checking or savings account. The bank or credit union is required to verify the customer 's name, date of birth, address, and ID number. An ID number can include an Individual Taxpayer Identification Number ( ITIN ) or other government-issued identification, such as a passport. I provided all the necessary documentation from the Internal Revenue Service ( IRS ) to validate my identity. \n\nTo my dismay, XXXX XXXX intervened in the process and insisted on seeing my physical Social Security card, claiming that the bank had reservations about the information I had provided. I promptly informed him that Social Security numbers are primarily used for tax purposes and not as a means of identification. I presented my passport and the IRS documents I had previously provided as further evidence of my identity and eligibility. \n\nI am deeply troubled by the discriminatory actions displayed by XXXX XXXX and XXXX XXXX during the account opening process. Their insistence on obtaining my Social Security Number, despite the availability of alternative forms of identification, demonstrates a lack of understanding of both federal regulations and the bank 's own policies. \n\nDiscrimination on the basis of identification requirements is not only unjust but also in violation of anti-discrimination laws. I expect 1st Bank to adhere to the principles of fairness, equality, and non-discrimination in all customer interactions. \n\nI kindly request a thorough investigation into this matter and appropriate action taken against those responsible for the discriminatory behavior. Furthermore, I demand a written apology from both XXXX XXXX and XXXX XXXX for their unprofessional conduct and the inconvenience caused. Additionally, I insist on immediate resolution, allowing me to open a business account in compliance with the applicable regulations and without further discrimination. \n\nI expect to receive a written response addressing my concerns within [ reasonable time frame, e.g., 14 days ] from the date of receipt of this letter. Failure to provide a satisfactory resolution may result in further escalation of this complaint to regulatory authorities and other appropriate channels. \n\nI trust that 1st Bank takes customer satisfaction and fair practices seriously. I look forward to a swift resolution of this matter and the restoration of trust in your institution.","date_sent_to_company":"2023-06-09T19:35:25.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"80010","tags":null,"has_narrative":true,"complaint_id":"7095823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRSTBANK","date_received":"2023-06-09T18:47:38.000Z","state":"CO","company_public_response":null,"sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["An ID number can include an Individual <em>Taxpayer</em> <em>Identification</em> Number ( ITIN ) or <em>other</em> government-issued <em>identification</em>, such as a passport. I provided all the necessary documentation from the Internal Revenue Service ( IRS ) to validate my identity. \n\nTo my dismay, XXXX XXXX intervened in the process and insisted on seeing my physical Social <em>Security</em> card, claiming that the bank had reservations about the <em>information</em> I had provided."]},"sort":[19.94766,"7095823"]},{"_index":"complaint-public-v1","_id":"11932164","_score":19.491457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding an ongoing issue with incorrect personal information reported by TransUnion on my credit report. TransUnion has incorrectly listed my identification under a Social Security Number ( SSN ) instead of my correct Individual Taxpayer Identification Number ( ITIN ), XXXX. This mistake violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate reporting. \n\nDespite my repeated efforts to correct this error, TransUnion has not made the necessary corrections. I have provided the required documentation multiple times, but they have failed to properly address this issue. Other credit bureaus, including XXXX and XXXX, are correctly reporting my ITIN, making TransUnions inaction even more concerning. \n\nThis ongoing inaccuracy reflects a failure to maintain reasonable procedures to ensure maximum accuracy, as outlined in 15 USC 1681e ( b ). The confusion caused by this incorrect reporting may be affecting my creditworthiness and financial opportunities, creating unnecessary obstacles. \n\nI kindly request that the CFPB investigate this matter and take appropriate action to ensure that TransUnion updates my credit report to reflect my correct ITIN. If this issue persists, I may be forced to consider legal remedies due to the harm caused by this inaccurate reporting.","date_sent_to_company":"2025-02-04T17:56:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"144XX","tags":null,"has_narrative":true,"complaint_id":"11932164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-04T17:24:25.000Z","state":"NY","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 am submitting this complaint regarding an ongoing issue with incorrect personal <em>information</em> reported by TransUnion on my credit report. TransUnion has incorrectly listed my <em>identification</em> under a Social <em>Security</em> Number ( SSN ) instead of my correct Individual <em>Taxpayer</em> <em>Identification</em> Number ( ITIN ), XXXX. This mistake violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures accurate reporting."],"product":["Credit reporting or <em>other</em> personal consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Personal <em>information</em> incorrect"]},"sort":[19.491457,"11932164"]},{"_index":"complaint-public-v1","_id":"11841847","_score":19.37225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act, Transunion has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. Transunion is the only credit bureau reporting a bankruptcy under a name that does not belong to me. Rule 9037. Privacy Protection for Filings Made with the Court- ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. ( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.","date_sent_to_company":"2025-01-30T00:15:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"31406","tags":null,"has_narrative":true,"complaint_id":"11841847","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-30T00:12:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em>-<em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting or <em>other</em> personal consumer reports"]},"sort":[19.37225,"11841847"]},{"_index":"complaint-public-v1","_id":"7373758","_score":18.708414,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Hello on XX/XX/2023 I submitted a dispute into Experian regarding a bankruptcy and how it was reporting on XX/XX/2023 Experian verified the dispute as accurate and verifying correctly I requested a reinvestigation as we know this is a direct violation according to FCRA 15 USC 1681I They are required to provide me with correct accuracy as well as their method of verification. This is affecting me because I am trying to purchase a home and need to move in XXXX days which I can not do because they will not take there time to verify my information but instead send me a generic response I am aware of the E- Oscar system which I know is a stall tactic to in doing a proper investigation like requested please review the documents and proof I have attached to verify the courts do not report to the credit bureau and they obtained this information from XXXX XXXX a third party which got my information from pacer.gov I never consented to this Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.\n\n( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code.\n\n( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record.\n\n( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court.","date_sent_to_company":"2023-08-10T04:02:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44146","tags":null,"has_narrative":true,"complaint_id":"7373758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-10T03:37:56.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em>-<em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[18.708414,"7373758"]},{"_index":"complaint-public-v1","_id":"6521856","_score":18.648897,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name : XXXX XXXXXXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX The above account information and Experian 's failure to investigate has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 believe that the information is inaccurate. \n\nAccount name : Bankruptcy XXXX XXXXXXXX, XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX The United States Bankruptcy Court for the District of Arizona does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure \" Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.\n\nIn accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title.\n\n( B ) Other information contained in a paper described in subparagraph ( A ). \n\nBased on the foregoing, Experian through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns.","date_sent_to_company":"2023-02-06T00:59:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85205","tags":"Servicemember","has_narrative":true,"complaint_id":"6521856","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-06T00:33:52.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-<em>security</em> number, <em>taxpayer</em>-<em>identification</em> number, or birth date, the name of an individual, <em>other</em> than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-<em>security</em> number and <em>taxpayer</em>-<em>identification</em> number ; ( 2 ) the year of the individual 's birth"],"product":["Credit reporting, credit repair services, or <em>other</em> personal consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Difficulty submitting a dispute or getting <em>information</em> about a dispute over the phone"]},"sort":[18.648897,"6521856"]},{"_index":"complaint-public-v1","_id":"2345300","_score":18.456322,"_source":{"product":"Credit reporting","complaint_what_happened":"This legal notice being sent and delivered to you & gt ; TransUnion, persuant to Florida Statutes XXXX NOTICE OF ORDER TO CEASE AND DESIST FROM USING PERSONAL AND PRIVATE INFORMATION FL STATUTE VIOLATION XXXX & copyright violation Title XXXX CRIMES Chapter XXXX FRAUDULENT PRACTICES View Entire Chapter XXXXXXXXCriminal use of personal identification information. -- ( 1 ) As used in this section, the term : ( a ) '' Access device '' means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. \n( b ) '' Authorization '' means empowerment, permission, or competence to act. \n( c ) '' Harass '' means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. \" Harass '' does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. \n( d ) '' Individual '' means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. \n( e ) '' Person '' means a \" person '' as defined in s. XXXX ( XXXX ). \n( f ) '' Personal identification information '' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a person 's financial resources. \n( g ) '' Counterfeit or fictitious personal identification information '' means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. \n( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individual 's consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. XXXX, s. XXXX, or s. XXXX. \n( b ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individual 's consent commits a felony of the second degree, punishable as provided in s. XXXX, s. XXXX, or s. XXXX, if the pecuniary XXXX","date_sent_to_company":"2017-02-15T16:11:23.000Z","issue":"Credit monitoring or identity protection","sub_product":null,"zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"2345300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-02-15T16:11:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem cancelling or closing account"},"highlight":{"complaint_what_happened":["( f ) '' Personal <em>identification</em> <em>information</em> '' means any name or number that may be used, alone or in conjunction with any <em>other</em> <em>information</em>, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social <em>security</em> number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or <em>identification</em> number, alien registration number, government passport number, employer or <em>taxpayer</em> <em>identification</em> number"]},"sort":[18.456322,"2345300"]},{"_index":"complaint-public-v1","_id":"2436185","_score":18.337002,"_source":{"product":"Credit reporting","complaint_what_happened":"Early Warning company has not provided a valid response!!! they send their rules and policy to me like i give a XXXX? Where is THE VALID CONTRACT between myself and their company? SHOW IT TO ME!! where is the TANGIBLE EVIDENCE THAT THEIR RULES AND POLICY APPLIES TO ME? \nEarly Warning company ignores a 2nd degree felony also using my personal and private information without my consent IS A FELONY CRIME, i will take further action with an affidavit of truth This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. -- ( 1 ) As used in this section, the term : ( a ) '' Access device '' means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. \n( b ) '' Authorization '' means empowerment, permission, or competence to act. \n( c ) '' Harass '' means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. \" Harass '' does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. \n( d ) '' Individual '' means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. \n( e ) '' Person '' means a \" person '' as defined in s. 1.01 ( 3 ). \n( f ) '' Personal identification information '' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a person 's financial resources. \n( g ) '' Counterfeit or fictitious personal identification information '' means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. \n( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individual 's consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s.","date_sent_to_company":"2017-04-17T14:05:14.000Z","issue":"Improper use of my credit report","sub_product":null,"zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"2436185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2017-04-14T19:59:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Report improperly shared by CRC"},"highlight":{"complaint_what_happened":["( f ) '' Personal <em>identification</em> <em>information</em> '' means any name or number that may be used, alone or in conjunction with any <em>other</em> <em>information</em>, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social <em>security</em> number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or <em>identification</em> number, alien registration number, government passport number, employer or <em>taxpayer</em> <em>identification</em> number"]},"sort":[18.337002,"2436185"]},{"_index":"complaint-public-v1","_id":"2383803","_score":18.10752,"_source":{"product":"Debt collection","complaint_what_happened":"This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE OF ORDER TO CEASE AND DESIST FROM USING PERSONAL AND PRIVATE INFORMATION FL STATUTE VIOLATION 817.568 Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. -- ( 1 ) As used in this section, the term : ( a ) '' Access device '' means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. \n( b ) '' Authorization '' means empowerment, permission, or competence to act. \n( c ) '' Harass '' means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. \" Harass '' does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. \n( d ) '' Individual '' means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. \n( e ) '' Person '' means a \" person '' as defined in s. 1.01 ( 3 ). \n( f ) '' Personal identification information '' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a person 's financial resources. \n( g ) '' Counterfeit or fictitious personal identification information '' means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. \n( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individual 's consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. \n( b ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individual 's consent commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services","date_sent_to_company":"2017-03-13T18:44:51.000Z","issue":"Disclosure verification of debt","sub_product":"Medical","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"2383803","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-03-13T18:42:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["( f ) '' Personal <em>identification</em> <em>information</em> '' means any name or number that may be used, alone or in conjunction with any <em>other</em> <em>information</em>, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social <em>security</em> number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or <em>identification</em> number, alien registration number, government passport number, employer or <em>taxpayer</em> <em>identification</em> number"]},"sort":[18.10752,"2383803"]},{"_index":"complaint-public-v1","_id":"2342382","_score":18.095104,"_source":{"product":"Debt collection","complaint_what_happened":"transunion responded to a compalint last week, and they are requiring me to send them proof of my ID or driver license? XXXX, they have no valid contract with me as signature party and they operate on presumption using tactits of extortion trying to collect something thats unlawful, THE TRICK IS to rebutt them and prove them wrong which i have done, but THEY LIED AND SAID I DID NOT COMMUNICATE WITH THEM WHEN I SHOWED A LETTER PROVING IT!! FURTHERMORE THEY COMMIT FELONY JUST BY USING MY NAME AND THEY CONTINUE TO DO SO, THEY ALSO COMITT VIOLATION OF COMMON LAW COPYRIGHT AND THEY PERSIST IN DOING THAT ALSO, THESE ARE CRIMINALS WHO HAVE NO RESPECT FOR ANY LAWS OR ANYONE 'S RIGHTS, AND NO NO NO NO NO NO NO YOU CAN NOT HAVE MY BIRTHDAY AND SS # AND ADDRESS AND MY INFORMATION, I HAVE NO CONTRACT WITH YOU CRIMINALS AND YOU CAN NOT PROVIDE IT INTO EVIDENCE, YOUR A LIAR TOO, CEASE AND DESIST AT ONCE, AND STOP PLAYING PASS THE HOT PATATO WITH ALL YOUR CO-CONTRACTOR CRIMINAL FRIENDS LIKE XXXX AND THE REST OF THEM WITH YOUR TRICKERY AND DECEIT, Title XXXX CRIMES Chapter XXXX FRAUDULENT PRACTICES View Entire Chapter XXXXCriminal use of personal identification information. -- ( XXXX ) As used in this section, the term : ( a ) '' Access device '' means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. \n( b ) '' Authorization '' means empowerment, permission, or competence to act. \n( c ) '' Harass '' means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. \" Harass '' does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. \n( d ) '' Individual '' means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. \n( e ) '' Person '' means a \" person '' as defined in XXXX XXXX ( XXXX ). \n( f ) '' Personal identification information '' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a person 's financial resources. \n( g ) '' Counterfeit or fictitious personal identification information '' means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate,","date_sent_to_company":"2017-02-16T14:10:06.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"2342382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-02-13T16:32:15.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["( f ) '' Personal <em>identification</em> <em>information</em> '' means any name or number that may be used, alone or in conjunction with any <em>other</em> <em>information</em>, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social <em>security</em> number, date of birth, mother 's maiden name, official state-issued or United States-issued driver license or <em>identification</em> number, alien registration number, government passport number, employer or <em>taxpayer</em> <em>identification</em> number"]},"sort":[18.095104,"2342382"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":101,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":101}]}},"product":{"doc_count":101,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":37,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":35},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":30,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":29},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical","doc_count":5},{"key":"I do not know","doc_count":3},{"key":"Auto debt","doc_count":2},{"key":"Credit card debt","doc_count":2},{"key":"Mortgage debt","doc_count":1}]}},{"key":"Checking or savings account","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":8}]}},{"key":"Credit reporting","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Money transfer, virtual currency, or money service","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":1},{"key":"Traveler's check or cashier's check","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Home equity loan or line of credit (HELOC)","doc_count":2}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Debt or credit management","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit repair services","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":101,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":34,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":32},{"key":"Credit inquiries on your report that you don't recognize","doc_count":2}]}},{"key":"Incorrect information on your report","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":8},{"key":"Public record information inaccurate","doc_count":6},{"key":"Personal information incorrect","doc_count":2},{"key":"Account information incorrect","doc_count":1},{"key":"Account status incorrect","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing 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