{"took":257,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":12878,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2665061","_score":19.07011,"_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 Equifax <em>security</em> breech disclosed on <em>XXXX</em> <em>XXXX</em>, 2017. Due to inadequate <em>data</em> <em>security</em> measures and protections on behalf of Equifax, 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"]},"sort":[19.07011,"2665061"]},{"_index":"complaint-public-v1","_id":"2660514","_score":18.97362,"_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":["Equifax 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/<em>XXXX</em> 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"]},"sort":[18.97362,"2660514"]},{"_index":"complaint-public-v1","_id":"2666743","_score":18.904367,"_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 Equifax allowed a massive <em>data</em> <em>security</em> breach ( 143 million people <em>affected</em> ) sometime between mid-XX/XX/<em>XXXX</em> and XX/XX/<em>XXXX</em>. They discovered the breach on XX/XX/<em>XXXX</em> and informed the public on XX/XX/<em>XXXX</em>. \n\nEquifax 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"]},"sort":[18.904367,"2666743"]},{"_index":"complaint-public-v1","_id":"11254618","_score":18.824823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As of XX/XX/year> there was a nationwide data breach to Social Security. This data breach affected over XXXX XXXX United States citizens personal information such as email, residental home address, social security numbers were leaked and much more such as my inforation was included. \n\nThe action taken is that I have file an Identity Theft report with XXXX XXXX XXXX.","date_sent_to_company":"2024-12-24T02:13:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21229","tags":null,"has_narrative":true,"complaint_id":"11254618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-24T02:13:04.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As of XX/XX/year> there was a nationwide <em>data</em> breach to Social <em>Security</em>. This <em>data</em> breach <em>affected</em> over <em>XXXX</em> <em>XXXX</em> United States citizens <em>personal</em> information such as email, residental home address, social <em>security</em> numbers were leaked and much more such as my inforation was included. \n\nThe action taken is that I have file an Identity Theft report with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[18.824823,"11254618"]},{"_index":"complaint-public-v1","_id":"11275443","_score":18.79381,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"As of XX/XX/year> there was a nationwide data breach to Social Security. This data breach affected over XXXX XXXX United States citizens personal information such as email, residental home address, social security numbers were leaked and much more such as my inforation was included. \n\nThe action taken is that I have file an Identity Theft report with Fair Trade Comission.","date_sent_to_company":"2024-12-24T02:12:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21229","tags":null,"has_narrative":true,"complaint_id":"11275443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-24T00:54:53.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As of XX/XX/year> there was a nationwide <em>data</em> breach to Social <em>Security</em>. This <em>data</em> breach <em>affected</em> over <em>XXXX</em> <em>XXXX</em> United States citizens <em>personal</em> information such as email, residental home address, social <em>security</em> numbers were leaked and much more such as my inforation was included. \n\nThe action taken is that I have file an Identity Theft report with Fair Trade Comission."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[18.79381,"11275443"]},{"_index":"complaint-public-v1","_id":"2835513","_score":18.611607,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. \n\nBut I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX XXXX website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. \n\nI am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.","date_sent_to_company":"2018-03-07T07:11:55.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"66062","tags":null,"has_narrative":true,"complaint_id":"2835513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-07T07:11:53.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["According to <em>XXXX</em>, my <em>personal</em> <em>data</em> was part of the <em>security</em> breach. Therefore, they have not been charging me for my <em>security</em> freeze, approximately {$5.00}. \n\nBut I've needed to pay it with <em>XXXX</em> and Experian even though I am an identity theft victim with <em>XXXX</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.611607,"2835513"]},{"_index":"complaint-public-v1","_id":"2835509","_score":18.598553,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. \n\nBut I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. \n\nI am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.","date_sent_to_company":"2018-03-07T07:08:19.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"66062","tags":null,"has_narrative":true,"complaint_id":"2835509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-03-07T07:08:16.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["According to <em>XXXX</em>, my <em>personal</em> <em>data</em> was part of the <em>security</em> breach. Therefore, they have not been charging me for my <em>security</em> freeze, approximately {$5.00}. \n\nBut I've needed to pay it with <em>XXXX</em> and Experian even though I am an identity theft victim with <em>XXXX</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.598553,"2835509"]},{"_index":"complaint-public-v1","_id":"2835510","_score":18.583878,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. \n\nBut I've needed to pay it with Transunion and XXXX even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when Transunion and XXXX can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. \n\nI am asking that Transunion and XXXX place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.","date_sent_to_company":"2018-03-07T07:11:50.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"66062","tags":null,"has_narrative":true,"complaint_id":"2835510","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-07T07:08:51.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["According to <em>XXXX</em>, my <em>personal</em> <em>data</em> was part of the <em>security</em> breach. Therefore, they have not been charging me for my <em>security</em> freeze, approximately {$5.00}. \n\nBut I've needed to pay it with Transunion and <em>XXXX</em> even though I am an identity theft victim with <em>XXXX</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.583878,"2835510"]},{"_index":"complaint-public-v1","_id":"2835507","_score":18.583878,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. \n\nBut I've needed to pay it with Transunion and XXXX even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when Transunion and XXXX can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. \n\nI am asking that Transunion and XXXX place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.","date_sent_to_company":"2018-03-07T07:08:13.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"66062","tags":null,"has_narrative":true,"complaint_id":"2835507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-03-07T06:59:51.000Z","state":"KS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["According to <em>XXXX</em>, my <em>personal</em> <em>data</em> was part of the <em>security</em> breach. Therefore, they have not been charging me for my <em>security</em> freeze, approximately {$5.00}. \n\nBut I've needed to pay it with Transunion and <em>XXXX</em> even though I am an identity theft victim with <em>XXXX</em>."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[18.583878,"2835507"]},{"_index":"complaint-public-v1","_id":"12257945","_score":18.558208,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX 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, XXXX 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 XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX 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. \nFailure to Maintain Reasonable Security Practices : XXXX 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\nXXXX : XXXX failed to properly restrict access to consumer information. \nXXXX : XXXX 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\n6801 ( b ) : XXXX 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 ) : XXXX 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 ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-27T20:09:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"12257945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-02-27T20:05:18.000Z","state":"TX","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>XXXX</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>XXXX</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"]},"sort":[18.558208,"12257945"]},{"_index":"complaint-public-v1","_id":"12222915","_score":18.547123,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX 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, XXXX 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 XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX 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. XXXX 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 : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( 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. XXXX et seq. \n\n\nXXXX : XXXX failed to properly restrict access to consumer information. \nXXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. \nGramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX et seq. \n\n\nXXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. \nConsumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX et seq. \n\n\nXXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( XXXX ) by failing to disclose the breach promptly and misleading consumers about their security measures. \nFederal Trade Commission Act ( FTC Act ), 15 U.S.C. XXXX ( a ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-04-28T22:55:54.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"956XX","tags":null,"has_narrative":true,"complaint_id":"12222915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-26T23:30:44.000Z","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>XXXX</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>XXXX</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"]},"sort":[18.547123,"12222915"]},{"_index":"complaint-public-v1","_id":"12256322","_score":18.546303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX 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, XXXX 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 XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX 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. \nFailure to Maintain Reasonable Security Practices : XXXX 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 : XXXX failed to properly restrict access to consumer information. \n1681e : XXXX 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 ) : XXXX 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 ) : XXXX 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 ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-27T20:05:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"12256322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-02-27T20:01:53.000Z","state":"TX","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>XXXX</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>XXXX</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"]},"sort":[18.546303,"12256322"]},{"_index":"complaint-public-v1","_id":"12204710","_score":18.478107,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  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, XXXX 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 XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX 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. \nFailure to Maintain Reasonable Security Practices : XXXX 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\n\n1681b : XXXX failed to properly restrict access to consumer information. \n1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. \nXXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.\n\n6801 ( b ) : XXXX 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 ) : XXXX 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 ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-25T23:28:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92344","tags":null,"has_narrative":true,"complaint_id":"12204710","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-02-25T23:25:10.000Z","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>XXXX</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>XXXX</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"]},"sort":[18.478107,"12204710"]},{"_index":"complaint-public-v1","_id":"10123254","_score":18.450218,"_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 XXXX data breach that occurred in XXXX. 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 XXXX 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 XXXX, 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 XXXX 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 XXXX 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":"2024-09-14T20:21:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"394XX","tags":null,"has_narrative":true,"complaint_id":"10123254","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-09-14T19:36:03.000Z","state":"MS","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 writing to formally submit a complaint regarding the mishandling of my <em>personal</em> information during the <em>XXXX</em> <em>data</em> breach that occurred in <em>XXXX</em>. My name is <em>XXXX</em> <em>XXXX</em>, 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. \n\nDespite being notified of the breach, I feel that <em>XXXX</em> has not done enough to protect my information or to provide adequate support to those <em>affected</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[18.450218,"10123254"]},{"_index":"complaint-public-v1","_id":"12204619","_score":18.448755,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX 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, XXXX 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 XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX 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. \nFailure to Maintain Reasonable Security Practices : XXXX 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\n\n1681b : XXXX failed to properly restrict access to consumer information. \n1681e : XXXX 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\n6801 ( b ) : XXXX 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 ) : XXXX 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 ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-25T23:49:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92344","tags":null,"has_narrative":true,"complaint_id":"12204619","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"GOLDMAN SACHS BANK USA","date_received":"2025-02-25T23:46:50.000Z","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>XXXX</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>XXXX</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"]},"sort":[18.448755,"12204619"]},{"_index":"complaint-public-v1","_id":"12258657","_score":18.445015,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  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, XXXX 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 XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX 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 : XXXX 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 : XXXX failed to properly restrict access to consumer information. \n1681e : XXXX 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\n6801 ( b ) : XXXX 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 ) : XXXX 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 ) umer data and not adequately notifying affected consumers.\n\nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-27T20:12:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"12258657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Marlette Funding, LLC","date_received":"2025-02-27T20:09:19.000Z","state":"TX","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>XXXX</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>XXXX</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"]},"sort":[18.445015,"12258657"]},{"_index":"complaint-public-v1","_id":"10123041","_score":18.437368,"_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 XXXX 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 XXXX 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 XXXX, 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 XXXX 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 XXXX 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":"10123041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-14T20:21:21.000Z","state":"MS","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 writing to formally submit a complaint regarding the mishandling of my <em>personal</em> information during the <em>XXXX</em> <em>data</em> breach that occurred in 2017. My name is <em>XXXX</em> <em>XXXX</em>, 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. \n\nDespite being notified of the breach, I feel that <em>XXXX</em> has not done enough to protect my information or to provide adequate support to those <em>affected</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[18.437368,"10123041"]},{"_index":"complaint-public-v1","_id":"12249525","_score":18.426071,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX 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, XXXX 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 XXXX breach, my personal information was exposed to unauthorized third parties without my consent. \nFailure to Notify in a Timely Manner : XXXX 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 : XXXX 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\n\n6801 ( b ) : XXXX 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 ) : XXXX 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 ) umer data and not adequately notifying affected consumers. \nXXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.","date_sent_to_company":"2025-02-27T20:16:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76137","tags":null,"has_narrative":true,"complaint_id":"12249525","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2025-02-27T20:12:40.000Z","state":"TX","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>XXXX</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>XXXX</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"]},"sort":[18.426071,"12249525"]},{"_index":"complaint-public-v1","_id":"11021112","_score":18.337046,"_source":{"product":"Debt collection","complaint_what_happened":"I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.","date_sent_to_company":"2024-12-04T05:17:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33612","tags":null,"has_narrative":true,"complaint_id":"11021112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2024-12-04T05:08:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I do not know the person that broke into my vehicle to gain access to our <em>personal</em> information as several people were <em>affected</em> ( they broke into several cars in the area ) and also my emails, social <em>security</em> number, and <em>personal</em> information were <em>affected</em> and compromised by <em>data</em> breach. Our <em>security</em> cards, driver 's license, my passport, mail, purse, wallet, and <em>personal</em> devices were all stolen in the break in."]},"sort":[18.337046,"11021112"]},{"_index":"complaint-public-v1","_id":"11033962","_score":18.335865,"_source":{"product":"Debt collection","complaint_what_happened":"I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cards XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.","date_sent_to_company":"2024-12-04T05:35:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33612","tags":null,"has_narrative":true,"complaint_id":"11033962","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Upstart Holdings, Inc.","date_received":"2024-12-04T05:31:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I do not know the person that broke into my vehicle to gain access to our <em>personal</em> information as several people were <em>affected</em> ( they broke into several cars in the area ) and also my emails, social <em>security</em> number, and <em>personal</em> information were <em>affected</em> and compromised by <em>data</em> breach. Our <em>security</em> cards, driver 's license, my passport, mail, purse, wallet, and <em>personal</em> devices were all stolen in the break in."]},"sort":[18.335865,"11033962"]},{"_index":"complaint-public-v1","_id":"11021903","_score":18.331764,"_source":{"product":"Debt collection","complaint_what_happened":"I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXX XXXX , National Credit Systems-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.","date_sent_to_company":"2024-12-04T04:28:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33612","tags":null,"has_narrative":true,"complaint_id":"11021903","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2024-12-04T03:56:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I do not know the person that broke into my vehicle to gain access to our <em>personal</em> information as several people were <em>affected</em> ( they broke into several cars in the area ) and also my emails, social <em>security</em> number, and <em>personal</em> information were <em>affected</em> and compromised by <em>data</em> breach. 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