{"took":197,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2852,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2754845","_score":15.2386,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I check my credit annually to verify all data is accurate. I take pride in my good credit and maintain approximately XXXX fico. In XX/XX/XXXX I sent copies of my drivers license, social security card, deed of trust ( mortgage ) and utility bill to receive a copy of my report from Equifax, XXXX and XXXX. I noticed there was a \" variance '' in my social security number. My accurate social security number ends in XXXX and all 3 agencies report a variance of social ending in XXXX. \n\nand According to the Fair Credit Reporting Act I have a right to have my personal information accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social security number. \n\nEquifax refused to investigate or delete the inaccurate data. It is for this reason I have filed a complaint with the GA Attorney General and written to XXXX XXXX XXXX, XXXX, Equifax, about the issue of inaccurate personal data maintained by Equifax. \n\nI am formally requesting the Equifax immediately delete the variance in my social security number and send me a new credit report reflecting the deletion.","date_sent_to_company":"2017-12-13T19:14:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92886","tags":null,"has_narrative":true,"complaint_id":"2754845","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-13T18:53:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["and According to the <em>Fair</em> Credit Reporting Act I have a right to have my <em>personal</em> <em>information</em> accurately reported. If inaccurate it is the legal obligation of the credit reporting agency to validate or remove inaccurate data. XXXX and XXXX were very professional and were able to delete the variance in social <em>security</em> number. \n\nEquifax refused to investigate or delete the inaccurate data."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["<em>Personal</em> <em>information</em> incorrect"]},"sort":[15.2386,"2754845"]},{"_index":"complaint-public-v1","_id":"8394923","_score":14.2272625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies XXXX, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. XXXX XXXX and FICO","date_sent_to_company":"2024-02-21T17:08:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"436XX","tags":null,"has_narrative":true,"complaint_id":"8394923","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-21T17:08:04.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have the right to make sure my private <em>information</em> is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[14.2272625,"8394923"]},{"_index":"complaint-public-v1","_id":"8390553","_score":14.207991,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"According to the Fair Credit Reporting Act 15 UCS1681 section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX and FICO are consumer reporting agencies and i am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title 15USC 1681 sec. 604 a sec 2 states that in general subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. Furnisher of information to credit agencies, the financial institution and the consumer reporting agencies Equifax, XXXX, and FICO do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and FICO, Furnisher of information to credit agencies whether it be verbal, non verbal, written, implied, or otherwise is revoked. 15USC6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to consumer can exercise that non-disclosure option. Furnisher of information to credit agencies, never informed me of my right to exercise my non-discloser option. Not only that 15USC 1681c ( a ) ( 5 ) states Except as authorized under sec. ( b ) no consumer reporting agency may take any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15USC 1681s-2 ( A ) ( 1 ) a states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec. 1681c of this title and to limit the furnishing of the consumer reports to the purposes listed under sec. 1681b of this title. Equifax XXXX and FICO","date_sent_to_company":"2024-02-21T17:08:08.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"436XX","tags":null,"has_narrative":true,"complaint_id":"8390553","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-21T17:08:04.000Z","state":"OH","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have the right to make sure my private <em>information</em> is not shared which is backed by 15 USC6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[14.207991,"8390553"]},{"_index":"complaint-public-v1","_id":"12974909","_score":13.422053,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at FAIR COLLECTIONS & OUTSOURCING on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2025-04-15T10:21:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75134","tags":null,"has_narrative":true,"complaint_id":"12974909","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-15T10:18:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This fraudulent, inaccurate, and false <em>information</em> consists of a <em>personal</em> credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a <em>personal</em> loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at <em>FAIR</em> COLLECTIONS & OUTSOURCING on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned <em>personal</em>"],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[13.422053,"12974909"]},{"_index":"complaint-public-v1","_id":"12974441","_score":13.407404,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at FAIR COLLECTIONS & OUTSOURCING on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.","date_sent_to_company":"2025-04-15T10:23:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75134","tags":null,"has_narrative":true,"complaint_id":"12974441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-15T10:21:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This fraudulent, inaccurate, and false <em>information</em> consists of a <em>personal</em> credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a <em>personal</em> loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at <em>FAIR</em> COLLECTIONS & OUTSOURCING on XX/XX/XXXX with a balance of {$7200.00} that appears related to the aforementioned <em>personal</em>"],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Incorrect <em>information</em> on your report"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[13.407404,"12974441"]},{"_index":"complaint-public-v1","_id":"8282632","_score":13.11992,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This not a verification of the loan. I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. Consumer report ( 1 ) In general- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes : ( B ) employment purposes : or ( C ) any other purpose authorized under section 1681b of this title. FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer Myself ( XXXX XXXX ) and XXXX XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Obligations with respect to disclosures of personal information. A. Before a financial institution report my information, they must ask for my permission. B. Before you report the information you must tell me, and I will give you a yes or no. C. If I say no they must now tell me what I need to do to ensure my information is not given. The information that I give to my financial institution is my personal information. It is confidential. They can not give access to my information without my permission. I did not give XXXX XXXX my permission to give out my personal information. XXXX XXXX has broken the law. XXXX XXXX has broken my trust and confidentiality. This goes against my rights as consumer under the Fair Act. XXXX XXXX never disclosed to me in writing or in electronic form or other forms permitted by the regulations prescribed under Section 6804 of this title, that my information will be disclose to a third party. \nI need the following account Deleted : XXXX XXXX account # XXXX. 15 SC 1666b ( a ) Time to make payments A creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose. \nDelete the following account from my consumer reports : XXXX XXXX account # XXXX","date_sent_to_company":"2024-02-06T06:28:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8282632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-06T06:28:00.000Z","state":"AK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You have furnished transaction <em>information</em> on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic <em>personal</em> <em>information</em>"],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.11992,"8282632"]},{"_index":"complaint-public-v1","_id":"13405305","_score":13.117457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XX/XX/XXXX[ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX","date_sent_to_company":"2025-05-08T21:25:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33127","tags":null,"has_narrative":true,"complaint_id":"13405305","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-08T21:25:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.117457,"13405305"]},{"_index":"complaint-public-v1","_id":"13393963","_score":13.117457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-07T20:18:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07104","tags":null,"has_narrative":true,"complaint_id":"13393963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-07T20:18:20.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.117457,"13393963"]},{"_index":"complaint-public-v1","_id":"13340347","_score":13.117457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.\n\nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.\n\nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.\n\nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX","date_sent_to_company":"2025-05-05T18:16:01.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"13340347","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-05T18:08:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.117457,"13340347"]},{"_index":"complaint-public-v1","_id":"13268610","_score":13.117457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-30T20:10:33.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"704XX","tags":null,"has_narrative":true,"complaint_id":"13268610","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-30T20:10:07.000Z","state":"LA","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":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.117457,"13268610"]},{"_index":"complaint-public-v1","_id":"13264678","_score":13.117457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-30T20:17:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"13264678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-30T20:16:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.117457,"13264678"]},{"_index":"complaint-public-v1","_id":"13258329","_score":13.117457,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-30T20:17:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30339","tags":null,"has_narrative":true,"complaint_id":"13258329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-30T20:16:59.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX U.S.C. XXXX ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.117457,"13258329"]},{"_index":"complaint-public-v1","_id":"8282980","_score":13.112085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This not a verification of the loan. I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. Consumer report ( 1 ) In general- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes : ( B ) employment purposes : or ( C ) any other purpose authorized under section 1681b of this title. FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer Myself ( XXXX XXXX ) and XXXX XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Obligations with respect to disclosures of personal information. A. Before a financial institution report my information, they must ask for my permission. B. Before you report the information you must tell me, and I will give you a yes or no. XXXX If I say no they must now tell me what I need to do to ensure my information is not given. The information that I give to my financial institution is my personal information. It is confidential. They can not give access to my information without my permission. I did not give XXXX XXXX my permission to give out my personal information. XXXX XXXX has broken the law. XXXX XXXX has broken my trust and confidentiality. This goes against my rights as consumer under the Fair Act. XXXX XXXX never disclosed to me in writing or in electronic form or other forms permitted by the regulations prescribed under Section 6804 of this title, that my information will be disclose to a third party. \n\nI need the following account Deleted : XXXX XXXX account # XXXX. \nXXXX SC XXXX ( a ) Time to make payments A creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose. \n\nDelete the following account from my consumer reports : XXXX XXXX account # XXXX","date_sent_to_company":"2024-02-06T06:04:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8282980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-06T06:04:20.000Z","state":"AK","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":["You have furnished transaction <em>information</em> on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic <em>personal</em> <em>information</em>"],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.112085,"8282980"]},{"_index":"complaint-public-v1","_id":"8282689","_score":13.112085,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This not a verification of the loan. I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. Consumer report ( 1 ) In general- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes : ( B ) employment purposes : or ( C ) any other purpose authorized under section 1681b of this title. FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer Myself ( XXXX XXXX ) and XXXX XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Obligations with respect to disclosures of personal information. A. Before a financial institution report my information, they must ask for my permission. B. Before you report the information you must tell me, and I will give you a yes or no. C. If I say no they must now tell me what I need to do to ensure my information is not given. The information that I give to my financial institution is my personal information. It is confidential. They can not give access to my information without my permission. I did not give XXXX XXXX my permission to give out my personal information. XXXX XXXX has broken the law. XXXX XXXX has broken my trust and confidentiality. This goes against my rights as consumer under the Fair Act. XXXX XXXX never disclosed to me in writing or in electronic form or other forms permitted by the regulations prescribed under Section 6804 of this title, that my information will be disclose to a third party. \nI need the following account Deleted : XXXX XXXX account # XXXX. 15 SC 1666b ( a ) Time to make payments A creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose. \nDelete the following account from my consumer reports : XXXX XXXX account # XXXX","date_sent_to_company":"2024-02-06T06:28:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8282689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-06T06:28:00.000Z","state":"AK","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":["You have furnished transaction <em>information</em> on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic <em>personal</em> <em>information</em>"],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.112085,"8282689"]},{"_index":"complaint-public-v1","_id":"14034733","_score":13.110995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX XXXX XXXXXXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX XXXX XXXXXXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-12T19:48:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"14034733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-12T19:36:38.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( XXXX XXXX XXXXXXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically XXXX ( XXXX XXXX XXXXXXXX ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.110995,"14034733"]},{"_index":"complaint-public-v1","_id":"13627931","_score":13.110995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.\n\nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.\n\nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-20T22:38:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11411","tags":null,"has_narrative":true,"complaint_id":"13627931","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-20T22:38:13.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.110995,"13627931"]},{"_index":"complaint-public-v1","_id":"13600329","_score":13.110995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.\n\nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T15:50:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"333XX","tags":null,"has_narrative":true,"complaint_id":"13600329","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-19T15:50:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.110995,"13600329"]},{"_index":"complaint-public-v1","_id":"13595228","_score":13.110995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.\n\nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.\n\nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.\n\nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.\n\nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-19T23:10:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77523","tags":null,"has_narrative":true,"complaint_id":"13595228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-19T22:50:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( XXXX U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.110995,"13595228"]},{"_index":"complaint-public-v1","_id":"13414741","_score":13.110995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XX/XX/XXXX[ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX","date_sent_to_company":"2025-05-08T21:26:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33127","tags":null,"has_narrative":true,"complaint_id":"13414741","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-08T21:25:32.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.110995,"13414741"]},{"_index":"complaint-public-v1","_id":"13221584","_score":13.110995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ XXXX  ] ) verifying that I am a victim of identity theft and that the The above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX","date_sent_to_company":"2025-04-28T18:23:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"13221584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-28T18:23:13.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.110995,"13221584"]},{"_index":"complaint-public-v1","_id":"13214569","_score":13.110995,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ XXXX  ] ) verifying that I am a victim of identity theft and that the The above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX","date_sent_to_company":"2025-04-28T18:23:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"601XX","tags":null,"has_narrative":true,"complaint_id":"13214569","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-28T18:23:13.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.110995,"13214569"]},{"_index":"complaint-public-v1","_id":"8282801","_score":13.103036,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This not a verification of the loan. I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. Consumer report ( 1 ) In general- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes : ( B ) employment purposes : or ( C ) any other purpose authorized under section 1681b of this title. FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer Myself ( XXXX XXXX ) and XXXX XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. You have furnished transaction information on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Obligations with respect to disclosures of personal information. A. Before a financial institution report my information, they must ask for my permission. B. Before you report the information you must tell me, and I will give you a yes or no. C. If I say no they must now tell me what I need to do to ensure my information is not given. The information that I give to my financial institution is my personal information. It is confidential. They can not give access to my information without my permission. I did not give XXXX XXXX my permission to give out my personal information. XXXX XXXX has broken the law. XXXX XXXX has broken my trust and confidentiality. This goes against my rights as consumer under the Fair Act. XXXX XXXX never disclosed to me in writing or in electronic form or other forms permitted by the regulations prescribed under Section 6804 of this title, that my information will be disclose to a third party. \nI need the following account Deleted : XXXX XXXX account # XXXX. 15 SC 1666b ( a ) Time to make payments A creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose. \nDelete the following account from my consumer reports : XXXX XXXX account # XXXX","date_sent_to_company":"2024-02-06T06:27:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8282801","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-06T06:16:34.000Z","state":"AK","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":["You have furnished transaction <em>information</em> on the following accounts XXXX XXXX account # XXXX 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the <em>security</em> and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>. 15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic <em>personal</em> <em>information</em>"],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.103036,"8282801"]},{"_index":"complaint-public-v1","_id":"13740677","_score":13.102623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.\n\nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.\n\nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-27T21:53:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"13740677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-27T21:53:27.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.102623,"13740677"]},{"_index":"complaint-public-v1","_id":"13606157","_score":13.102623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.\n\nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.\n\nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.\n\nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.\n\nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely,","date_sent_to_company":"2025-05-20T22:12:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"11411","tags":null,"has_narrative":true,"complaint_id":"13606157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-20T21:40:05.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[13.102623,"13606157"]},{"_index":"complaint-public-v1","_id":"13294026","_score":13.102623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. \nThe disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. \nI do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. \nThese entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. \nTo support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-02T22:28:26.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33029","tags":null,"has_narrative":true,"complaint_id":"13294026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-02T22:28:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Name : XXXX XXXX Social <em>Security</em> Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent <em>Information</em> Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the <em>Fair</em> Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain <em>information</em> from my consumer credit report."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.102623,"13294026"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2852,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2852}]}},"product":{"doc_count":2852,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":2067,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2067}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":754,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":754}]}},{"key":"Debt collection","doc_count":27,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other debt","doc_count":15},{"key":"Credit card debt","doc_count":9},{"key":"I do not know","doc_count":3}]}},{"key":"Credit card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Credit card or prepaid card","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":1}]}}]}},"issue":{"doc_count":2852,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":2401,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":2385},{"key":"Account information incorrect","doc_count":8},{"key":"Account status incorrect","doc_count":4},{"key":"Information is missing that should be on the report","doc_count":2},{"key":"Old information reappears or never goes away","doc_count":1},{"key":"Personal information incorrect","doc_count":1}]}},{"key":"Improper use of your report","doc_count":364,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":356},{"key":"Credit inquiries on 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information about a dispute over the phone","doc_count":3},{"key":"Was not notified of investigation status or results","doc_count":2}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":14,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":14}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}},{"key":"Getting a credit card","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Application denied","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"You never received your bill or did not know a payment was due","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Struggling to pay your loan","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan balance remaining after the vehicle is repossessed and sold","doc_count":1}]}}]}},"timely":{"doc_count":2852,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":2849},{"key":"No","doc_count":3}]}},"company_response":{"doc_count":2852,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":1629},{"key":"Closed with non-monetary relief","doc_count":1221},{"key":"Untimely 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