{"took":345,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7015,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2660938","_score":23.18111,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax had a major data security breach and my personal data was affected and could impact the following : Social Security number, Birth date, Home address, Drivers license number, Credit card information.","date_sent_to_company":"2017-09-08T19:54:32.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"900XX","tags":null,"has_narrative":true,"complaint_id":"2660938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T19:43:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Equifax</em> had a major <em>data</em> <em>security</em> breach and my <em>personal</em> <em>data</em> was <em>affected</em> and could impact the following : Social <em>Security</em> number, Birth date, Home address, Drivers license number, Credit card information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.18111,"2660938"]},{"_index":"complaint-public-v1","_id":"2666743","_score":23.071775,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The credit reporting agency Equifax allowed a massive data security breach ( 143 million people affected ) sometime between mid-XX/XX/XXXX and XX/XX/XXXX. They discovered the breach on XX/XX/XXXX and informed the public on XX/XX/XXXX. \n\nEquifax was irresponsible and careless in regards to the cyber security of my personal and financial data along with the other 143 million people affected. Equifax mishandled my data including names, Social Security number, birth date, addresses, credit card numbers and potentially my driver 's license and possibly more. That puts me at risk of identity theft and fraud due to negligent security practices in handling consumer information. I confirmed that I could be affected on the website, www.equifaxsecurity2017.com. \n\nThere is nothing I could have done to prevent this. The responsibility rests solely on Equifax. I have initiated a fraud alert on my credit file and am seriously considering paying for a credit freeze to be extra careful.","date_sent_to_company":"2017-09-09T06:35:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"15235","tags":null,"has_narrative":true,"complaint_id":"2666743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T02:04:52.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["The credit reporting agency <em>Equifax</em> allowed a massive <em>data</em> <em>security</em> breach ( 143 million people <em>affected</em> ) sometime between mid-XX/XX/XXXX and XX/XX/XXXX. They discovered the breach on XX/XX/XXXX and informed the public on XX/XX/XXXX. \n\n<em>Equifax</em> was irresponsible and careless in regards to the cyber <em>security</em> of my <em>personal</em> and financial <em>data</em> along with the other 143 million people <em>affected</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.071775,"2666743"]},{"_index":"complaint-public-v1","_id":"2664636","_score":23.038416,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to Equifax my personal information may have been obtained by hackers that hacked Equifax 's servers and made off with millions of people 's personal information. I received confirmation that my information may be compromised by Equifax 's security site that offers a years worth of free security for people that may have been affected. Although on the surface this seems like a nice gesture, Equifax is actually taking advantage of this data breach in order to wash their hands of legal responsibility by getting victims of this hack to sign up for their \" security service '' which binds the victim 's hands in a legal sense. Not only that, the heads of Equifax knew about this hack and took advantage by selling off their stock to protect themselves rather than face the consequences of this hack. Equifax is proving that they do not care about the countless people affected who did not request that their personal information be held by Equifax and have created a situation where their backs were saved while everyone affected has been left out in the cold.","date_sent_to_company":"2017-09-08T21:08:12.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"91765","tags":null,"has_narrative":true,"complaint_id":"2664636","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T20:57:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["According to <em>Equifax</em> my <em>personal</em> information may have been obtained by hackers that hacked <em>Equifax</em> 's servers and made off with millions of people 's <em>personal</em> information. I received confirmation that my information may be compromised by <em>Equifax</em> 's <em>security</em> site that offers a years worth of free <em>security</em> for people that may have been <em>affected</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.038416,"2664636"]},{"_index":"complaint-public-v1","_id":"11546093","_score":23.01728,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was directly impacted by the Equifax data breach, which compromised my sensitive personal information, including Social Security number and credit card information. Despite Equifaxs assurances of safeguarding consumer data, their failure to implement adequate security measures led to this significant breach.\n\nFollowing the breach, I contacted Equifax to request : Information about the extent of the breach and how my data was affected.\n\nDetails on the steps they were taking to resolve the situation and protect my data. \nInformation on remedies or compensation for affected individuals. \n\nUnfortunately, Equifax did not provide adequate responses or transparency. This breach has caused significant financial and emotional stress, as I have incurred costs for credit monitoring and identity theft protection to mitigate potential risks. \n\nI am requesting that Equifax address their failure to safeguard consumer data, provide appropriate compensation for the financial and emotional damages I have experienced, and implement stronger security measures to prevent such incidents in the future.","date_sent_to_company":"2025-01-15T23:04:53.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"351XX","tags":null,"has_narrative":true,"complaint_id":"11546093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-15T22:58:08.000Z","state":"AL","company_public_response":null,"sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["I was directly impacted by the <em>Equifax</em> <em>data</em> breach, which compromised my sensitive <em>personal</em> information, including Social <em>Security</em> number and credit card information. Despite <em>Equifaxs</em> assurances of safeguarding consumer <em>data</em>, their failure to implement adequate <em>security</em> measures led to this significant breach.\n\nFollowing the breach, I contacted <em>Equifax</em> to request : Information about the extent of the breach and how my <em>data</em> was <em>affected</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[23.01728,"11546093"]},{"_index":"complaint-public-v1","_id":"2665061","_score":22.986675,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been identified as an affected individual in the Equifax security breech disclosed on XXXX XXXX, 2017. Due to inadequate data security measures and protections on behalf of Equifax, my personal and private information and data such as my SSN, DOB, full address, and potentially DL number have been stolen. Through no actions of my own, I must assume that my private and personal information are now public data and potentially being used without my consent for future deeds of dubious intention and legality.","date_sent_to_company":"2017-09-08T23:15:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"21921","tags":null,"has_narrative":true,"complaint_id":"2665061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T23:01:09.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have been identified as an <em>affected</em> individual in the <em>Equifax</em> <em>security</em> breech disclosed on XXXX XXXX, 2017. Due to inadequate <em>data</em> <em>security</em> measures and protections on behalf of <em>Equifax</em>, my <em>personal</em> and private information and <em>data</em> such as my SSN, DOB, full address, and potentially DL number have been stolen."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.986675,"2665061"]},{"_index":"complaint-public-v1","_id":"11895560","_score":22.695114,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax investigated and found that my name, address and SSN had be part of there data breach.\n\nEquifax data breach, the FTC and Equifax settled, offering affected users settlement funds and free credit monitoring. Equifax sent me a check admitting my information was compromised. \nAs a credit bureau, Equifax keeps incredibly detailed consumer data about everyone, including peoples names, dates of birth, Social Security numbers, and credit card numbers. We learned that Equifax had failed to put the appropriate security measures in place to protect this information, fix known security flaws, or monitor its network for suspicious activity. Equifax had a responsibility to protect our data and it failed. Thats why the largest breach of consumer data required nothing less than the largest ever data breach settlement in history. \nThe settlement with Equifax includes up to {$420.00} XXXX in restitution for customers whose personal information was compromised. I want to make sure that everyone who was affected can file a claim and get some form of restitution. You have until XXXX XXXX XXXX heres what you need to do.","date_sent_to_company":"2025-02-02T18:58:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89117","tags":null,"has_narrative":true,"complaint_id":"11895560","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-02T18:18:29.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Equifax</em> investigated and found that my name, address and SSN had be part of there <em>data</em> breach.\n\n<em>Equifax</em> <em>data</em> breach, the FTC and <em>Equifax</em> settled, offering <em>affected</em> users settlement funds and free credit monitoring. <em>Equifax</em> sent me a check admitting my information was compromised. \nAs a credit bureau, <em>Equifax</em> keeps incredibly detailed consumer <em>data</em> about everyone, including peoples names, dates of birth, Social <em>Security</em> numbers, and credit card numbers."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.695114,"11895560"]},{"_index":"complaint-public-v1","_id":"10123042","_score":22.644325,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally submit a complaint regarding the mishandling of my personal information during the Equifax data breach that occurred in 2017. My name is XXXX XXXX, and my personal data was compromised as a result of this incident, which has caused me significant distress and concern regarding the security of my financial information. \n\nDespite being notified of the breach, I feel that Equifax has not done enough to protect my information or to provide adequate support to those affected. I took the necessary steps to protect myself by enrolling in credit monitoring services offered by Equifax, but I remain concerned about the potential long-term impacts on my credit and identity security. \n\nFurthermore, I believe that the measures offered by Equifax following the breach, including the free credit monitoring and identity theft protection, are insufficient compared to the severity of the incident. As a consumer, I expect stronger accountability and more proactive measures from credit reporting agencies to safeguard personal information and assist those affected by such breaches. \n\nI urge the CFPB to investigate this matter thoroughly and to hold Equifax accountable for its failure to protect consumers ' sensitive data. Additionally, I recommend that the CFPB advocate for stronger regulations to ensure that credit reporting agencies are required to take more rigorous precautions to prevent future breaches and to provide adequate support to affected individuals.","date_sent_to_company":"2024-09-14T20:21:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"394XX","tags":null,"has_narrative":true,"complaint_id":"10123042","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-14T20:21:21.000Z","state":"MS","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am writing to formally submit a complaint regarding the mishandling of my <em>personal</em> information during the <em>Equifax</em> <em>data</em> breach that occurred in 2017. My name is XXXX XXXX, and my <em>personal</em> <em>data</em> was compromised as a result of this incident, which has caused me significant distress and concern regarding the <em>security</em> of my financial information."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.644325,"10123042"]},{"_index":"complaint-public-v1","_id":"2667068","_score":22.519907,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017 credit reporting agency Equifax announced a major security breach in which personal data such as social security numbers, names, addressed, and credit history was leaked. According to Equifax 's own website my data was among the information that was leaked, but it is impossible to say for sure since Equifax failed to communicate adequately with people who were affected. Futhermore, they will not provide specific information on whether or not I was affected unless I agree to an arbitration clause ( which I did not ). Equifax knew of the data breach approximately one month before it was announced during which myself ( and countless others ) were at increased risk for becoming victims of identity theft and fraud. \n\nEquifax has not offered adequate solutions to this problem. Their offer of one year of identity monitoring is insufficient. The nature of the data that was leaked is such that lifelong credit monitoring will be necessary. This will come at significant cost to me since it will need to be arranged with all 3 credit reporting agencies. Equifax should be forced to cover the cost of a lifetime of credit monitoring and unlimited freezes/unfreezes with all 3 reporting agencies for anyone, including myself, whose data may have been released. \n\nEquifax failed to maintain adequate security measures. I would like to see legislation introduced to hold companies liable for data breaches with no limits on financial compensation to those people who are affected. Criminal charges should be pursued against those executives who divested their interests in Equifax before the breach was publicized.","date_sent_to_company":"2017-09-14T18:34:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60008","tags":null,"has_narrative":true,"complaint_id":"2667068","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T11:08:26.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["On XXXX XXXX, 2017 credit reporting agency <em>Equifax</em> announced a major <em>security</em> breach in which <em>personal</em> <em>data</em> such as social <em>security</em> numbers, names, addressed, and credit history was leaked. According to <em>Equifax</em> 's own website my <em>data</em> was among the information that was leaked, but it is impossible to say for sure since <em>Equifax</em> failed to communicate adequately with people who were <em>affected</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.519907,"2667068"]},{"_index":"complaint-public-v1","_id":"12242190","_score":22.207691,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding Equifax Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax , Inc. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Equifax continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the Equifax breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.\n\nFailure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.\n\nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.\n\nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\n1681b : Equifax failed to properly restrict access to consumer information.\n\n1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.\n\nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data. \nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.\n\n5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.\n\nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-04-09T00:26:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"12242190","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-28T22:05:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite the passage of time, <em>Equifax</em> continues to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself. \nFacts of the Complaint Exposure of <em>Personal</em> <em>Data</em> : As a result of the <em>Equifax</em> breach, my <em>personal</em> information was exposed to unauthorized third parties without my consent."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.207691,"12242190"]},{"_index":"complaint-public-v1","_id":"12241782","_score":22.207691,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding Equifax Data Breach and Violation of XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Equifax continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.\n\nFacts of the Complaint Exposure of Personal Data : As a result of the Equifax breach, my personal information was exposed to unauthorized third parties without my consent.\n\nFailure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.\n\nFailure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. \nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.\n\nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\n1681b : Equifax failed to properly restrict access to consumer information.\n\n1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security. \nXXXX XXXX ( XXXX ), XXXX XXXX. XXXX et seq. \n\n\nXXXX ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data. \nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.\n\n5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.\n\nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-04-09T14:48:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"12241782","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-28T22:25:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite the passage of time, <em>Equifax</em> continues to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself.\n\nFacts of the Complaint Exposure of <em>Personal</em> <em>Data</em> : As a result of the <em>Equifax</em> breach, my <em>personal</em> information was exposed to unauthorized third parties without my consent."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.207691,"12241782"]},{"_index":"complaint-public-v1","_id":"12241195","_score":22.207691,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding Equifax Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax , Inc. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Equifax continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.\n\nFacts of the Complaint Exposure of Personal Data : As a result of the Equifax breach, my personal information was exposed to unauthorized third parties without my consent.\n\nFailure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.\n\nFailure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.\n\nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.\n\nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\n1681b : Equifax failed to properly restrict access to consumer information.\n\n1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.\n\nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.\n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.\n\n5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.\n\nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-04-09T16:19:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32817","tags":null,"has_narrative":true,"complaint_id":"12241195","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-28T23:33:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite the passage of time, <em>Equifax</em> continues to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself.\n\nFacts of the Complaint Exposure of <em>Personal</em> <em>Data</em> : As a result of the <em>Equifax</em> breach, my <em>personal</em> information was exposed to unauthorized third parties without my consent."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.207691,"12241195"]},{"_index":"complaint-public-v1","_id":"12241047","_score":22.158735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding Equifax Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax , Inc. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Equifax continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the Equifax breach, my personal information was exposed to unauthorized third parties without my consent.\n\nFailure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a\ntimely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.\n\nFailure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. \nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. \nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\n1681b : Equifax failed to properly restrict access to consumer information.\n\n1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.\n\nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data. \nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.\n\n5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.\n\nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-04-09T17:05:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10304","tags":null,"has_narrative":true,"complaint_id":"12241047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-28T23:58:15.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite the passage of time, <em>Equifax</em> continues to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself. \nFacts of the Complaint Exposure of <em>Personal</em> <em>Data</em> : As a result of the <em>Equifax</em> breach, my <em>personal</em> information was exposed to unauthorized third parties without my consent."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.158735,"12241047"]},{"_index":"complaint-public-v1","_id":"12240851","_score":22.158735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding Equifax Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax , Inc. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Equifax continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the Equifax breach, my personal information was exposed to unauthorized third parties without my consent.\n\nFailure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.\n\nFailure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.\n\nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.\n\nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\n1681b : Equifax failed to properly restrict access to consumer information.\n\n1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security.\n\nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.\n\nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.\n\n5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.\n\nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-04-09T16:03:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"12240851","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-28T23:18:14.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite the passage of time, <em>Equifax</em> continues to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself. \nFacts of the Complaint Exposure of <em>Personal</em> <em>Data</em> : As a result of the <em>Equifax</em> breach, my <em>personal</em> information was exposed to unauthorized third parties without my consent."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.158735,"12240851"]},{"_index":"complaint-public-v1","_id":"11911484","_score":22.158735,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding Equifax Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Equifax , Inc. regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, Equifax continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. \nFacts of the Complaint Exposure of Personal Data : As a result of the Equifax breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : Equifax failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. \nFailure to Maintain Reasonable Security Practices : Equifax violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. \nOngoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. \nLegal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. \n\n\n1681b : Equifax failed to properly restrict access to consumer information. \n1681e : Equifax failed to implement adequate procedures to ensure consumer file accuracy and security. \nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. \n\n\n6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data. \nConsumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. \n\n\n5531 ( a ) : Equifax engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. \nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-03-10T16:44:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"11911484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-03T20:47:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Despite the passage of time, <em>Equifax</em> continues to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself. \nFacts of the Complaint Exposure of <em>Personal</em> <em>Data</em> : As a result of the <em>Equifax</em> breach, my <em>personal</em> information was exposed to unauthorized third parties without my consent."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.158735,"11911484"]},{"_index":"complaint-public-v1","_id":"2674083","_score":22.146635,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax has confirmed that I may have been affected by the hacking breach of XXXX 2017, yet provided nothing short of self-preserving, reactive remedies to the situation. Not only did Equifax  attempt to force an arbitration waiver on affected people and dupe them into subscribing to their monitoring services, Equifax has repeatedly demonstrated a lack of regard for security best practices, including requiring randomly generated PINs, not just easily compromised datestamp-based PINs. Equifax was utterly negligent in its handling of extremely sensitive personal data, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our data from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of data security in perpetuity.","date_sent_to_company":"2017-09-14T20:31:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94928","tags":null,"has_narrative":true,"complaint_id":"2674083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-14T15:19:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Equifax</em> was utterly negligent in its handling of extremely sensitive <em>personal</em> <em>data</em>, and it seems only fair that they lose the privilege of handling this sort of unique, irreplaceable information. Consumers like me deserve the right to protect our <em>data</em> from these kinds of greedy, irresponsible companies. Their feeble offer of a year of credit monitoring still leaves the fox guarding the henhouse and does nothing to protect consumers who have lost all semblance of <em>data</em> <em>security</em> in perpetuity."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.146635,"2674083"]},{"_index":"complaint-public-v1","_id":"11586574","_score":22.134012,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Equifax Data Breach Dear Sir/Madam, I am writing to file a formal complaint regarding the data breach that occurred at Equifax, which exposed my personal and sensitive information, including but not limited to my Social Security number, birthdate, and financial data. I believe this breach is a violation of the Fair Credit Reporting Act ( FCRA ), the Identity Theft Enforcement and Restitution Act, and other applicable consumer protection laws. \n\nIncident Summary : In XXXX XXXX, Equifax experienced a major data breach that compromised the personal information of millions of individuals, including mine. I discovered that my personal data was affected either through notification from Equifax or by checking the website Equifax created for affected consumers. The breach has caused significant distress, and I am deeply concerned about the potential for identity theft, fraud, and the long-term impact on my financial security. \n\nDespite efforts to protect myself ( e.g., credit monitoring services, fraud alerts, and security freezes ), I believe that the breach 's impact on my privacy and financial well-being is severe and ongoing. \n\nDetails of My Experience : Impact on My XXXXredit/Financial Security : Unauthorized credit accounts, credit score changes, or other financial consequences.\n\nSteps Taken to Protect Myself : Fraud alert/credit freeze, and enrolling in credit monitoring services. ] Desired Resolution : Given the serious nature of the breach, I am seeking assistance from the CFPB to ensure that Equifax provides appropriate remedies. I request the following : Clear Communication : Ensure that Equifax provides clear and ongoing communication to consumers affected by the breach regarding steps they are taking to rectify the situation.\n\nAppropriate Remediation : Ensure that Equifax offers compensation for the harm caused, including credit monitoring, identity theft protection, and other forms of assistance.\n\nAccountability and Oversight : Advocate for stricter consumer protections, more rigorous safeguards for personal data, and accountability for Equifax regarding their handling of this breach. \nAssistance in Resolving Any Negative Impact on My Credit/Financial Status : Help me address any negative financial or credit consequences stemming from the breach. \nI appreciate your attention to this serious matter and hope to receive a prompt resolution to my complaint. \n\nThank you for your time and assistance.","date_sent_to_company":"2025-01-21T17:49:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33169","tags":null,"has_narrative":true,"complaint_id":"11586574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-21T17:33:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Incident Summary : In XXXX XXXX, <em>Equifax</em> experienced a major <em>data</em> breach that compromised the <em>personal</em> information of millions of individuals, including mine. I discovered that my <em>personal</em> <em>data</em> was <em>affected</em> either through notification from <em>Equifax</em> or by checking the website <em>Equifax</em> created for <em>affected</em> consumers. The breach has caused significant distress, and I am deeply concerned about the potential for identity theft, fraud, and the long-term impact on my financial <em>security</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.134012,"11586574"]},{"_index":"complaint-public-v1","_id":"12764819","_score":22.102005,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EQUIFAX DATA BREACH It has come to my attention that my personal data breach that has affected my credit repot i would also like all my late payments deleted as it was all due to my personal information being leaked. Along with my emails, my social security and my numbers and addresses","date_sent_to_company":"2025-04-01T06:15:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"79936","tags":null,"has_narrative":true,"complaint_id":"12764819","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-01T06:02:47.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>EQUIFAX</em> <em>DATA</em> BREACH It has come to my attention that my <em>personal</em> <em>data</em> breach that has <em>affected</em> my credit repot i would also like all my late payments deleted as it was all due to my <em>personal</em> information being leaked. Along with my emails, my social <em>security</em> and my numbers and addresses"],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.102005,"12764819"]},{"_index":"complaint-public-v1","_id":"11212114","_score":22.070606,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The XXXX  Equifax data breach exposed my sensitive personal information, including my Social Security number and financial details. This has caused significant concern about my financial security and identity protection. \n\nIn response, I have taken measures such as enrolling in credit monitoring, placing a credit freeze, setting up fraud alerts, and monitoring my financial accounts closely. I urge Equifax to maintain its commitment to supporting affected individuals and strengthening data security practices to prevent future breaches. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-19T05:23:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"11212114","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-19T05:23:12.000Z","state":"GA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I urge <em>Equifax</em> to maintain its commitment to supporting <em>affected</em> individuals and strengthening <em>data</em> <em>security</em> practices to prevent future breaches. \n\nSincerely, XXXX XXXX XXXX"],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[22.070606,"11212114"]},{"_index":"complaint-public-v1","_id":"2662246","_score":21.992884,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their \" Potential Impact '' site www.equifaxsecurity2017.com. \n\nEquifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for \" trial periods '' of their ID protection services. \n\nThey are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. \n\nI demand that Equifax rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by Equifax and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable \" judgment '' of who to contact.","date_sent_to_company":"2017-09-09T20:13:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30316","tags":null,"has_narrative":true,"complaint_id":"2662246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T20:07:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Equifax</em> mishandled my <em>personal</em> information including Name, Social <em>Security</em> #, Address, Birthdate, etc. resulting in a <em>data</em> breach in XXXX 2017 that they confirmed I was <em>affected</em> by per their \" Potential Impact '' site www.equifaxsecurity2017.com. \n\n<em>Equifax</em> has put myself and millions of others at risk of identity theft/fraud due to negligent <em>security</em> protocols in handling consumer information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[21.992884,"2662246"]},{"_index":"complaint-public-v1","_id":"2669538","_score":21.947037,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including Name, Social Security number\n, Address, Date of Birth and others resulting in a data breach in 2017. Equifax has put myself and millions of others at risk of identity theft and fraud due to negligent security protocols in handling consumer information. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical\nbehavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this breach.","date_sent_to_company":"2017-09-11T21:06:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90230","tags":null,"has_narrative":true,"complaint_id":"2669538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-11T20:55:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Equifax</em> mishandled my <em>personal</em> information including Name, Social <em>Security</em> number\n, Address, Date of Birth and others resulting in a <em>data</em> breach in 2017. <em>Equifax</em> has put myself and millions of others at risk of identity theft and fraud due to negligent <em>security</em> protocols in handling consumer information."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[21.947037,"2669538"]},{"_index":"complaint-public-v1","_id":"14914933","_score":21.920582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Experian, Equifax and Transunion regarding its failure to protect consumer data, resulting in the massive Equifax data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, these bureaus continue to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the data breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner : All 3 bureaus failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices : Experian, Equifax and Transunion violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : Experian, Equifax and Transunion failed to properly restrict access to consumer information. 1681e : Experian, Equifax and Transunion failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 6801 ( b ) : Experian, Equifax and Transunion failed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 5531 ( a ) : Experian, Equifax and Transunion engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Experian, Equifax and Transunion engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-07-29T05:00:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"14914933","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-29T03:20:24.000Z","state":"MI","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":["I am filing this formal complaint against Experian, <em>Equifax</em> and Transunion regarding its failure to protect consumer <em>data</em>, resulting in the massive <em>Equifax</em> <em>data</em> breach, which exposed sensitive <em>personal</em> information, including names, Social <em>Security</em> numbers, birth dates, addresses, and in some cases, drivers license numbers. 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Facts of the Complaint Exposure of Personal Data : As a result of the data breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner : All 3 bureaus failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices : Experian, Equifax and Transunion violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : Experian, Equifax and Transunion failed to properly restrict access to consumer information. 1681e : Experian, Equifax and Transunion failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 6801 ( b ) : Experian, Equifax and Transunion failed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 5531 ( a ) : Experian, Equifax and Transunion engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Experian, Equifax and Transunion engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-07-29T06:00:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"14939578","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-29T03:35:18.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against Experian, <em>Equifax</em> and Transunion regarding its failure to protect consumer <em>data</em>, resulting in the massive <em>Equifax</em> <em>data</em> breach, which exposed sensitive <em>personal</em> information, including names, Social <em>Security</em> numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, these bureaus continue to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[21.915312,"14939578"]},{"_index":"complaint-public-v1","_id":"2660514","_score":21.914465,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. Through severe negligence in data security, they allowed a data breach to occur in XX/XX/XXXX and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They failed to notify victims in a timely manner, putting us at further risk. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for \" trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.","date_sent_to_company":"2017-09-09T05:57:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98034","tags":null,"has_narrative":true,"complaint_id":"2660514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T05:48:17.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Equifax</em> mishandled my <em>personal</em> information including name, social <em>security</em> number, address, birthdate, driver 's license number, and possibly more. Through severe negligence in <em>data</em> <em>security</em>, they allowed a <em>data</em> breach to occur in XX/XX/XXXX and they confirmed I could be <em>affected</em> on their website, www.equifaxsecurity2017.com. They failed to notify victims in a timely manner, putting us at further risk."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[21.914465,"2660514"]},{"_index":"complaint-public-v1","_id":"14914850","_score":21.871527,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this formal complaint against Experian, Equifax and Transunion regarding its failure to protect consumer data, resulting in the massive Equifax data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, these bureaus continue to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the data breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner : All 3 bureaus failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.\n\nInadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices : Experian, Equifax and Transunion violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 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Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Experian, Equifax and Transunion engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-07-29T05:00:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48075","tags":null,"has_narrative":true,"complaint_id":"14914850","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-29T03:35:18.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am filing this formal complaint against Experian, <em>Equifax</em> and Transunion regarding its failure to protect consumer <em>data</em>, resulting in the massive <em>Equifax</em> <em>data</em> breach, which exposed sensitive <em>personal</em> information, including names, Social <em>Security</em> numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, these bureaus continue to mishandle consumer <em>data</em> and fails to provide sufficient remedies to <em>affected</em> individuals like myself."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[21.871527,"14914850"]},{"_index":"complaint-public-v1","_id":"2666286","_score":21.865091,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been notified that I may be affected by the Equifax data security breach. As a consumer I believe that the security in place for such an important credit agency should have been able to withstand or prevent the attacks that occurred. As a result, my personal information may be in the hands of unwanted persons.","date_sent_to_company":"2017-09-08T22:50:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"98107","tags":null,"has_narrative":true,"complaint_id":"2666286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-08T22:45:34.000Z","state":"WA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have been notified that I may be <em>affected</em> by the <em>Equifax</em> <em>data</em> <em>security</em> breach. As a consumer I believe that the <em>security</em> in place for such an important credit agency should have been able to withstand or prevent the attacks that occurred. 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