{"took":67,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":92,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6868666","_score":21.755167,"_source":{"product":"Debt collection","complaint_what_happened":"I filed a complaint with cfpb on XXXX XXXX against the Resurgent capital services for reporting an account that did not have no identifiable identification to be attached to me, the company received my State issued picture ID showing my exact legal name, physical address, Date of Birth and social security which clearly did not match with the account holder that they are reporting it under my name, the Resurgent capital responded to my complaint by addressing my name correctly as XXXX XXXX but claiming me as the owner of the account that clearly on their 50 plus computer generated statement that they provided to CFPB that non of those page had nothing to identify me as the rightful owner of the account and therefore the company is not able to provide me a validation of this debt that can identify me as the account holder and by the law they failed to provide debt validation and have be removed. \nPlease see the attached documents.","date_sent_to_company":"2023-04-20T17:46:20.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"37055","tags":"Older American","has_narrative":true,"complaint_id":"6868666","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-04-20T17:13:31.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I filed a complaint with cfpb on XXXX XXXX against the Resurgent capital services for reporting an account that did not have no identifiable <em>identification</em> to be attached to me, the company received my <em>State</em> <em>issued</em> picture ID showing my exact legal name, physical address, Date of Birth and social <em>security</em> which clearly did not <em>match</em> with the account holder that they are reporting it under my name, the Resurgent capital responded to my complaint by addressing my name correctly as XXXX XXXX but claiming"]},"sort":[21.755167,"6868666"]},{"_index":"complaint-public-v1","_id":"3283702","_score":21.29905,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am a XXXX XXXX on an XXXX visa. I have established credit since living in the United States and have credit files with all three major bureaus. I have obtained and reviewed my credit report from XXXX  and XXXX and they are complete and accurate. \n\nMy credit report with Equifax is incomplete as it does not contain my Social Security Number. As such, potential lenders are unable to verify my identity using my identification as there is no match on my SSN. I have raised a number of disputes with Equifax, in which they requested that I provide valid proof of identification in the form of a copy of my social security card and my drivers license. \n\nThe first three disputes did not result in the inclusion of my SSN and did not mention it in the results of the dispute. \n\nThe most recent and final dispute raised in XX/XX/2019 resulted in Equifax writing to tell me that \" The worker ID number is not issued by the social security administration as a social security number and can not be added to your Equifax file. '' I phoned Equifax who informed me having reviewed the documents that they did not consider my Social Security card to be a valid Social Security Number. I believe this relates to text on my Social Security card stating that the number is \" valid for work only with DHS Authorization '', as it relates to my status as a non-resident alien which requires a visa in order to continue residing and working in the United States.\n\nThat being said, it remains a valid social security number and is used by my employer, lenders, and the IRS as a means to identify me. It is included within the 'Social Security Number ' box on my W2 and on my tax return. \n\nEquifax have been unable to provide any suggested resolution to this matter - their only suggestion was to visit the social security office to have that text removed from the card. This is not possible, since the text is required as it relates to my status in the United States. \n\nThe issue has prevented me from obtaining credit in certain circumstances. I do not believe it is unreasonable to ask for my SSN to be added to my credit file ensuring it is complete, as the other credit bureaus have. I have provided documentary evidence of my SSN in good faith and believe Equifax should act on this information to avoid discriminating against me due to my status as a non-resident. \n\nMy lenders each report my SSN on my file and it is therefore listed as a \" SSN variation '' on my file, but that does not allow it to match when a potential lender is attempting to verify my identity.","date_sent_to_company":"2019-06-22T19:38:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77004","tags":null,"has_narrative":true,"complaint_id":"3283702","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-22T19:26:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["My credit report with Equifax is incomplete as it does not contain my Social <em>Security</em> Number. As such, potential lenders are unable to verify my identity using my <em>identification</em> as there is no <em>match</em> on my SSN. I have raised a number of disputes with Equifax, in which they requested that I <em>provide</em> valid proof of <em>identification</em> in the form of a copy of my social <em>security</em> card and my drivers license."]},"sort":[21.29905,"3283702"]},{"_index":"complaint-public-v1","_id":"16525668","_score":20.729757,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I write to rebut your XX/XX/year> findings regarding the disputed housing court records. 1. No Court Verification Possible Your letter claims the information is accurate and complete, based on current information provided by the court However, the XXXX XXXX XXXX XXXX has confirmed in writing that it does not directly report or provide consumer information to any third parties This makes it impossible that you obtained verification or current information provided by the court, and renders your stated procedure invalid. 2. ID Address Proof of Residence You state that cases were verified by full name and address match by government issued identifications provided by consumer as part of a reverification request and as part of a security freeze request A government-issued ID merely reflects the address listed at the time of issuance ; it is not evidence of residence at any particular date, nor proof that I ever lived at the address tied to the disputed records. At the relevant time I was residing with a relative with the same name, further undermining any assumption that a name/address match confirms identity. 3. Required Procedural Disclosure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required, upon request, to provide a complete description of the procedure used to determine the accuracy and completeness of the disputed information, including : The business name and address of every furnisher you contacted, and The telephone number of each furnisher, if reasonably available. Provide this documentation immediately. 4. Demand for Deletion Because CIC can not demonstrate a legitimate source or a valid verification method, the disputed housing records remain unverified and inaccurate. I therefore demand their immediate deletion from all consumer reports you maintain or distribute.","date_sent_to_company":"2025-10-13T04:58:24.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"27527","tags":null,"has_narrative":true,"complaint_id":"16525668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Contemporary Information Corp","date_received":"2025-10-13T04:53:20.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["ID Address Proof of Residence You <em>state</em> that cases were verified by full name and address <em>match</em> by government <em>issued</em> <em>identifications</em> provided by consumer as part of a reverification request and as part of a <em>security</em> freeze request A government-<em>issued</em> ID merely reflects the address listed at the time of <em>issuance</em> ; it is not evidence of residence at any particular date, nor proof that I ever lived at the address tied to the disputed records."],"issue":["Problem with a company's investigation into an existing <em>issue</em>"]},"sort":[20.729757,"16525668"]},{"_index":"complaint-public-v1","_id":"12568863","_score":19.669895,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:11:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12568863","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-19T15:54:01.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The CFPB has previously responded by <em>stating</em> that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not <em>match</em> my legal <em>identification</em>. \n\nThis ongoing <em>issue</em> has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[19.669895,"12568863"]},{"_index":"complaint-public-v1","_id":"12569000","_score":19.66232,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:20:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12569000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-03-19T16:13:28.000Z","state":"OR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The CFPB has previously responded by <em>stating</em> that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not <em>match</em> my legal <em>identification</em>. \n\nThis ongoing <em>issue</em> has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports."]},"sort":[19.66232,"12569000"]},{"_index":"complaint-public-v1","_id":"12567959","_score":19.66232,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:20:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12567959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-03-19T16:19:52.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The CFPB has previously responded by <em>stating</em> that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not <em>match</em> my legal <em>identification</em>. \n\nThis ongoing <em>issue</em> has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[19.66232,"12567959"]},{"_index":"complaint-public-v1","_id":"12568367","_score":19.656818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:11:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12568367","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-19T16:10:40.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The CFPB has previously responded by <em>stating</em> that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not <em>match</em> my legal <em>identification</em>. \n\nThis ongoing <em>issue</em> has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[19.656818,"12568367"]},{"_index":"complaint-public-v1","_id":"12559640","_score":19.625586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:20:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12559640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2025-03-19T16:19:52.000Z","state":"OR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The CFPB has previously responded by <em>stating</em> that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not <em>match</em> my legal <em>identification</em>. \n\nThis ongoing <em>issue</em> has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports."]},"sort":[19.625586,"12559640"]},{"_index":"complaint-public-v1","_id":"12559618","_score":19.625586,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. \n\nI have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. \n\nThis ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. \n\nI have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. \n\nThank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.","date_sent_to_company":"2025-03-19T16:11:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"979XX","tags":null,"has_narrative":true,"complaint_id":"12559618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-03-19T16:10:40.000Z","state":"OR","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The CFPB has previously responded by <em>stating</em> that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not <em>match</em> my legal <em>identification</em>. \n\nThis ongoing <em>issue</em> has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports."]},"sort":[19.625586,"12559618"]},{"_index":"complaint-public-v1","_id":"4277165","_score":19.556305,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax refuses to investigate my claim about the prior issue with XXXX  XXXX and how it need not be reporting as i provided and explained exactly the reasons, a mere recap is As noted the CFPB is aware of the XXXX  XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the XXXX, under both Federal and Kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX XXXXXXXX XXXX account as its not accurate, its unfair and deceptive and illegal. This and the inquiry on Equifax need to be removed. The Trade-Line must be removed from XXXX, XXXX and especially Equifax. '' The INQ and Trade-Line at present still are reporting to equifax and Equfiax, i may add is also the most deceitful CRAs and was the result of a massive data breach the like we shall never see because of there willfully negligent data practices, was the report used to open the account! The Response was typical negligent usurper STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. In review, the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. '' This is utterly insulting and needs to be investigated immediately!","date_sent_to_company":"2021-04-07T07:01:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"66047","tags":null,"has_narrative":true,"complaint_id":"4277165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-07T02:51:16.000Z","state":"KS","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In review, the <em>identification</em> information you provided does not <em>match</em> our records. In order to properly assist you, we will need additional information in order to verify your <em>identification</em> and current address. Please <em>provide</em> a legible photocopy of a valid document that shows your name, current address and complete social <em>security</em> number."]},"sort":[19.556305,"4277165"]},{"_index":"complaint-public-v1","_id":"9412198","_score":19.531042,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against LCI ( hereinafter \" LCI '' ) for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). \n\nSummary of the Dispute : I have a bankruptcy being reported on my XXXX credit report that does not belong to me. XXXX claims that they verified this information with the bankruptcy court ; however, the bankruptcy court has stated unequivocally that they do not verify or provide information to consumer reporting agencies. Specifically, the Bankruptcy Court asserts : \" The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers credit reports '' XXXX XXXXXXXX XXXX XXXX last visited on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX. \n\nWhen I presented this information to XXXX, they responded that the bankruptcy was verified by LCI. Upon contacting LCI, I received a form letter stating that the last XXXX digits of my social security number and an address match the information they have on file. However, the address in question has never been and is not my address. Furthermore, considering that the last XXXX digits of a social security number are not unique and can easily match multiple individuals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; See also XXXX XXXX XXXX XXXX last visited on XXXX XXXX XXXX XXXX XXXX XXXX it is beyond reasonable to assert that LCI is inaccurately attributing this bankruptcy to me based on incomplete and unreliable data. \n\nViolation of Federal Rule of Bankruptcy Procedure XXXX : Federal Rule of Bankruptcy Procedure XXXX mandates that certain personal identification information be redacted from documents filed with the court. Filings containing an individual 's social security number, taxpayer identification number, or birth date ; the name of a minor ; or a financial account number may only include : The last four digits of the social security number and taxpayer identification number ; The year of the individual 's birth ; The minors initials ; The last four digits of the financial account number. \nGiven this redaction requirement, it is axiomatic that the bankruptcy could not possibly be accurately reported in compliance with the FCRA. The law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. \n\nFCRA Compliance Issues : Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. The inaccurate reporting of this bankruptcy by LCI and its inclusion in my XXXX credit report demonstrates a blatant disregard for the requirement to ensure the maximum possible accuracy of consumer information. Such inaccuracies have significant adverse effects on my creditworthiness and financial well-being. \n\nI demand that this incorrect bankruptcy entry be immediately removed from my XXXX credit report. The inaccurate reporting by LCI is unacceptable, and I urge the CFPB to take appropriate action to enforce compliance with the FCRA and ensure that such errors do not persist. \n\nI appreciate your prompt attention to this matter and look forward to a swift resolution.","date_sent_to_company":"2024-07-03T21:55:42.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"98387","tags":null,"has_narrative":true,"complaint_id":"9412198","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"LCI Acquisition Inc.","date_received":"2024-07-03T21:15:30.000Z","state":"WA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Upon contacting LCI, I received a form letter <em>stating</em> that the last XXXX digits of my social <em>security</em> number and an address <em>match</em> the information they have on file. However, the address in question has never been and is not my address."],"issue":["Problem with a company's investigation into an existing <em>issue</em>"]},"sort":[19.531042,"9412198"]},{"_index":"complaint-public-v1","_id":"14643464","_score":19.182796,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to respectfully request the reopening of my complaint against Equifax, which was recently closed based on the claim that I did not provide sufficient identification. This is factually incorrect. \n\nI submitted both a copy of my Social Security card and a utility bill displaying my current address, as requested. I have retained copies of these documents for my records and can confirm they were mailed as instructed. \n\nToday, I received a new letter from Equifax stating that these documents are still not sufficient, and again requesting the same items. This is confusing and unreasonable. \n\nThe core issue seems to be that Equifax has my addresses incorrectly labeled on their report they have erroneously listed my current address as a prior address, which is why they claim my documents do not match their records. The identification I submitted is accurate and consistent with my actual, current residence. \n\nI believe Equifax is using this address mismatchcaused by their own reporting errorsas a pretext to delay or avoid investigating the inaccurate items on my credit report. I have already sent my social security card copy to them TWICE - and I felt very uncomfortable sending that in the mail. I don't know what more I can do. \n\nThis practice is not only unfair but may violate my rights under the Fair Credit Reporting Act ( FCRA ). \n\nI respectfully ask the CFPB to reopen my dispute and ensure that Equifax is held accountable to conduct a proper and timely investigation, based on the documentation already provided. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-14T22:27:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85119","tags":null,"has_narrative":true,"complaint_id":"14643464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-14T20:00:35.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Today, I received a new letter from Equifax <em>stating</em> that these documents are still not sufficient, and again requesting the same items. This is confusing and unreasonable. \n\nThe core <em>issue</em> seems to be that Equifax has my addresses incorrectly labeled on their report they have erroneously listed my current address as a prior address, which is why they claim my documents do not <em>match</em> their records. The <em>identification</em> I submitted is accurate and consistent with my actual, current residence."]},"sort":[19.182796,"14643464"]},{"_index":"complaint-public-v1","_id":"7061843","_score":18.353157,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX an Equifax failed to comply with federal regulations guidelines causing me credit harm an provide false information make seem like I'm not paying.an paid in full full balance they keep lowering my credit score instead improve it they keep dropping not right now they doing consumer violation consumer financial protection act they refusing to investigate they refuse to delete incorrect information off my credit report when the company said delete they doing it illegal operation tampering with credit file XXXX refuse to correct my address it XXXX XXXX XXXX XXXX XXXX XXXX  they not providing correct address I hereby request they removed everything from my credit report as paid in full stop reported false information file lawsuits on company with evidence an proff I have due incorrect address that XXXX have on file is incorrect information using that not even correct address they in violation refuse to correct information every thing must match my personal information address an account missing information on this XXXX XXXX don't get my personal information confused with a similar name that people using use on me force me to pay a debt with driver license verification must have valid identification card to match the identity of the consumer if they can't provide that an they running credit with provide documentation like social security number an i.d it can be any one using my personal information I am under identity thefts freezes on my credit report XXXX never investigation this problem they correct way make each party responsible for this harm that cause me can't provide copy of identification number everything must be deleted off my credit report I demand copy provide the i.d issue by government if they can't provide I'm file lawsuits on XXXX an XXXX XXXX XXXX XXXX failed to comply with federal regulations guidelines XXXX XXXX XXXX loans operation business failed to provide documentation identification number on record must match the social security number to run any credit in the United States of America failed to comply need that if u can provide me that identification number an watch the same i.d state of Alabama provide for me I will pay the full balance u can't provide that information I hereby request everything be removed an I'm force to file lawsuits for Allowing someone credit with out identification number issue by the government you must provide 2 form of identification number approve credit to prevent identity thefts an fraud company refuse to do that now y'all in violation along with XXXX for requesting documentation failed to investigate correct way everyone remove XXXX XXXX XXXX XXXX from my credit report Equifax XXXX XXXX deleted due Incorrect verification account incorrect information incorrect amount XXXX still failed to delete All incorrect information due identity thefts fraudulent activity still operating illegally account be placed on my credit report when I have freeze on it address is incorrect that not my address on that XXXX records they provide false information force me credit score to drop how my credit score poor an my credit score supposed be in good standard is be XXXX XXXX  with good credit score discrimination equals right an protection under 14 the amendment united State Constitution federal Constitution violation my civil rights have the right sue state an federal I am in title to know what was use against me on credit report I been on file sent XXXX requirements documentation im failed to comply results in another lawsuits against XXXX if my credit score don't be place back were it was file another one tampering with records proving false information reported false information allowing company to report false information on credit report with 2 forms identification provide by federal cant even Cash check with driver license or State i.d that apply to all credit lenders violation XXXX XXXX number federal regulations consumer financial protection right act we need that i.d an an full amount an date transaction must be corrected XXXX XXXX XXXX XXXX in violation federal law long with XXXX XXXX XXXX XXXX XXXX operation to collect debt don't belong to no body an XXXX when I file my dispute due to identity thefts credit company on my credit report must reimburse me debt settlement agreement supposed be paid to me that was part of the discrete revocable trust account never received that request full investigation credit file that y'all trying cover up tampering records federal offense have the right to sue need a copy every failed to do so I will file lawsuits an subpoena them records consumer rights I was effected by identity thefts fraudulent report over XXXX credit company was removed including false name failed to provide them documentation this is corrupted organization it's ok 2 option proved 2 forms identification number an correct payment amount an XXXX if that address don't watch my government issue i.d an mailing address file lawsuits false information so my identity can't be verified due to incorrect information in data base an y'all trying harm me some. More cause me to become homeless with bad credit my personal information being reported stolen effective data breaches y'all still operating illegally I am tired of being a victim with these credit report agency time take action I will not be a victim no more denied credit home loan credit card now it time y'all hold accountable for yall action I am a victim refusing to correct my credit score instead lower my credit score make it poor pay for incorrect information delete this from my credit report call XXXX XXXX XXXX that should been deleted that what XXXX XXXX  XXXX said miss understanding failed to remove an investigation need feds stepped in fraudulent activity documents I prove Equifax XXXX XXXX XXXX XXXX everyone everything must be removed an XXXX failed to comply with federal regulations guidelines identity thefts fraudulent activity take they side not mines it wrong harassment me denied my credit I demand my credit score back to XXXX like it was sent my self credit builder account is paid in full I paid it off early still not ask the company they rather report it unpaid Harm my credit score I'm file lawsuits on XXXX Harm discrimination cause me mentally depressed become homeless due violation consumer rights not following the law","date_sent_to_company":"2023-06-03T00:46:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"7061843","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-03T00:45:54.000Z","state":"AL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["problem they correct way make each party responsible for this harm that cause me can't <em>provide</em> copy of <em>identification</em> number everything must be deleted off my credit report I demand copy <em>provide</em> the i.d <em>issue</em> by government if they can't <em>provide</em> I'm file lawsuits on XXXX an XXXX XXXX XXXX XXXX failed to comply with federal regulations guidelines XXXX XXXX XXXX loans operation business failed to <em>provide</em> documentation <em>identification</em> number on record must <em>match</em> the social <em>security</em> number to run any"]},"sort":[18.353157,"7061843"]},{"_index":"complaint-public-v1","_id":"7061894","_score":18.348906,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion XXXX an XXXX failed to comply with federal regulations guidelines causing me credit harm an provide false information make seem like I'm not paying.an paid in full full balance they keep lowering my credit score instead improve it they keep dropping not right now they doing consumer violation consumer financial protection act they refusing to investigate they refuse to delete incorrect information off my credit report when the company said delete they doing it illegal operation tampering with credit file TransUnion refuse to correct my address it XXXX XXXX XXXX XXXX XXXX XXXX they not providing correct address I hereby request they removed everything from my credit report as paid in full stop reported false information file lawsuits on company with evidence an proff I have due incorrect address that TransUnion have on file is incorrect information using that not even correct address they in violation refuse to correct information every thing must match my personal information address an account missing information on this XXXX XXXX don't get my personal information confused with a similar name that people using use on me force me to pay a debt with driver license verification must have valid identification card to match the identity of the consumer if they can't provide that an they running credit with provide documentation like social security number an i.d it can be any one using my personal information I am under identity thefts freezes on my credit report TransUnion never investigation this problem they correct way make each party responsible for this harm that cause me can't provide copy of identification number everything must be deleted off my credit report I demand copy provide the i.d issue by government if they can't provide I'm file lawsuits on TransUnion an XXXX XXXX XXXX XXXX failed to comply with federal regulations guidelines XXXXXXXX XXXX XXXX loans operation business failed to provide documentation identification number on record must match the social security number to run any credit in the United States of America failed to comply need that if u can provide me that identification number an watch the same i.d state of Alabama provide for me I will pay the full balance u can't provide that information I hereby request everything be removed an I'm force to file lawsuits for Allowing someone credit with out identification number issue by the government you must provide 2 form of identification number approve credit to prevent identity thefts an fraud company refuse to do that now y'all in violation along with TransUnion for requesting documentation failed to investigate correct way everyone remove XXXX XXXX XXXX XXXX from my credit report XXXX XXXX XXXX deleted due Incorrect verification account incorrect information incorrect amount TransUnion still failed to delete All incorrect information due identity thefts fraudulent activity still operating illegally account be placed on my credit report when I have freeze on it address is incorrect that not my address on that TransUnion records they provide false information force me credit score to drop how my credit score poor an my credit score supposed be in good standard is be XXXX XXXX with good credit score discrimination equals right an protection under 14 the amendment united State Constitution federal Constitution violation my civil rights have the right sue state an federal I am in title to know what was use against me on credit report I been on file sent XXXX requirements documentation im failed to comply results in another lawsuits against TransUnion if my credit score don't be place back were it was file another one tampering with records proving false information reported false information allowing company to report false information on credit report with 2 forms identification provide by federal cant even Cash check with driver license or State i.d that apply to all credit lenders violation XXXX  XXXX number federal regulations consumer financial protection right act we need that i.d an an full amount an date transaction must be corrected XXXX XXXX XXXX XXXX in violation federal law long with XXXX XXXX XXXX XXXX illegally operation to collect debt don't belong to no body an TransUnion when I file my dispute due to identity thefts credit company on my credit report must reimburse me debt settlement agreement supposed be paid to me that was part of the discrete revocable trust account never received that request full investigation credit file that y'all trying cover up tampering records federal offense have the right to sue need a copy every failed to do so I will file lawsuits an subpoena them records consumer rights I was effected by identity thefts fraudulent report over 2000 credit company was removed including false name failed to provide them documentation this is corrupted organization it's ok 2 option proved 2 forms identification number an correct payment amount an TransUnion if that address don't watch my government issue i.d an mailing address file lawsuits false information so my identity can't be verified due to incorrect information in data base an y'all trying harm me some. More cause me to become homeless with bad credit my personal information being reported stolen effective data breaches y'all still operating illegally I am tired of being a victim with these credit report agency time take action I will not be a victim no more denied credit home loan credit card now it time y'all hold accountable for yall action I am a victim refusing to correct my credit score instead lower my credit score make it poor pay for incorrect information delete this from my credit report call XXXX XXXX XXXX that should been deleted that what XXXX XXXX XXXXXXXX said miss understanding failed to remove an investigation need feds stepped in fraudulent activity documents I prove XXXX XXXX XXXX XXXXXXXX XXXX everyone everything must be removed an TransUnion failed to comply with federal regulations guidelines identity thefts fraudulent activity take they side not mines it wrong harassment me denied my credit I demand my XXXX XXXX back to XXXX like it was sent my self credit builder account is paid in full I paid it off early still not ask the company they rather report it unpaid Harm my credit score I'm file lawsuits on TransUnion Harm discrimination cause me mentally depressed become homeless due violation consumer rights not following the law","date_sent_to_company":"2023-06-03T00:45:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"7061894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-02T23:18:08.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>security</em> number to run any credit in the United States of America failed to comply need that if u can <em>provide</em> me that <em>identification</em> number an watch the same i.d <em>state</em> of Alabama <em>provide</em> for me I will pay the full balance u can't <em>provide</em> that information I hereby request everything be removed an I'm force to file lawsuits for Allowing someone credit with out <em>identification</em> number <em>issue</em> by the government you must <em>provide</em> 2 form of <em>identification</em> number approve credit to prevent identity thefts an"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[18.348906,"7061894"]},{"_index":"complaint-public-v1","_id":"7061924","_score":18.345602,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX Experian an XXXX failed to comply with federal regulations guidelines causing me credit harm an provide false information make seem like I'm not paying.an paid in full full balance they keep lowering my credit score instead improve it they keep dropping not right now they doing consumer violation consumer financial protection act they refusing to investigate they refuse to delete incorrect information off my credit report when the company said delete they doing it illegal operation tampering with credit file XXXX refuse to correct my address it XXXX XXXX XXXX XXXX XXXX XXXX  they not providing correct address I hereby request they removed everything from my credit report as paid in full stop reported false information file lawsuits on company with evidence an proff I have due incorrect address that XXXX have on file is incorrect information using that not even correct address they in violation refuse to correct information every thing must match my personal information address an account missing information on this XXXX XXXX  don't get my personal information confused with a similar name that people using use on me force me to pay a debt with driver license verification must have valid identification card to match the identity of the consumer if they can't provide that an they running credit with provide documentation like social security number an i.d it can be any one using my personal information I am under identity thefts freezes on my credit report XXXX never investigation this problem they correct way make each party responsible for this harm that cause me can't provide copy of identification number everything must be deleted off my credit report I demand copy provide the i.d issue by government if they can't provide I'm file lawsuits on XXXX an XXXX XXXX XXXX XXXX failed to comply with federal regulations guidelines XXXX XXXX XXXX loans operation business failed to provide documentation identification number on record must match the social security number to run any credit in the United States of America failed to comply need that if u can provide me that identification number an watch the same i.d state of Alabama provide for me I will pay the full balance u can't provide that information I hereby request everything be removed an I'm force to file lawsuits for Allowing someone credit with out identification number issue by the government you must provide XXXX form of identification number approve credit to prevent identity thefts an fraud company refuse to do that now y'all in violation along with XXXX for requesting documentation failed to investigate correct way everyone remove XXXX XXXX XXXX XXXX from my credit report XXXX Experian XXXX deleted due Incorrect verification account incorrect information incorrect amount XXXX still failed to delete All incorrect information due identity thefts fraudulent activity still operating illegally account be placed on my credit report when I have freeze on it address is incorrect that not my address on that XXXX records they provide false information force me credit score to drop how my credit score poor an my credit score supposed be in good standard is be XXXX XXXX with good credit score discrimination equals right an protection under 14 the amendment united State Constitution federal Constitution violation my civil rights have the right sue state an federal I am in title to know what was use against me on credit report I been on file sent XXXX requirements documentation im failed to comply results in another lawsuits against XXXX if my credit score don't be place back were it was file another XXXX tampering with records proving false information reported false information allowing company to report false information on credit report with 2 forms identification provide by federal cant even Cash check with driver license or State i.d that apply to all credit lenders violation XXXX XXXXXXXX number federal regulations consumer financial protection right act we need that i.d an an full amount an date transaction must be corrected XXXX XXXX XXXX XXXXXXXX  in violation federal law long with XXXX XXXX XXXX XXXX XXXX operation to collect debt don't belong to no body an XXXX XXXX I file my dispute due to identity thefts credit company on my credit report must reimburse me debt settlement agreement supposed be paid to me that was part of the discrete revocable trust account never received that request full investigation credit file that y'all trying cover up tampering records federal offense have the right to sue need a copy every failed to do so I will file lawsuits an subpoena them records consumer rights I was effected by identity thefts fraudulent report over XXXX credit company was removed including false name failed to provide them documentation this is corrupted organization it's ok 2 option proved 2 forms identification number an correct payment amount an XXXX if that address don't watch my government issue i.d an mailing address file lawsuits false information so my identity can't be verified due to incorrect information in data base an y'all trying harm me some. More cause me to become homeless with bad credit my personal information being reported stolen effective data breaches y'all still operating illegally I am tired of being a victim with these credit report agency time take action I will not be a victim no more denied credit home loan credit card now it time y'all hold accountable for yall action I am a victim refusing to correct my credit score instead lower my credit score make it poor pay for incorrect information delete this from my credit report call XXXX XXXX XXXX that should been deleted that what XXXX XXXX XXXX said miss understanding failed to remove an investigation need feds stepped in fraudulent activity documents I prove XXXX XXXX XXXX XXXX XXXXXXXX everyone everything must be removed an XXXX failed to comply with federal regulations guidelines identity thefts fraudulent activity take they side not mines it wrong harassment me denied my credit I demand my credit score back to XXXX like it was sent my self credit builder account is paid in full I paid it off early still not ask the company they rather report it unpaid Harm my credit score I'm file lawsuits on XXXX Harm discrimination cause me mentally depressed become homeless due violation consumer rights not following the law","date_sent_to_company":"2023-06-03T00:46:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"7061924","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-03T00:45:54.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["this problem they correct way make each party responsible for this harm that cause me can't <em>provide</em> copy of <em>identification</em> number everything must be deleted off my credit report I demand copy <em>provide</em> the i.d <em>issue</em> by government if they can't <em>provide</em> I'm file lawsuits on XXXX an XXXX XXXX XXXX XXXX failed to comply with federal regulations guidelines XXXX XXXX XXXX loans operation business failed to <em>provide</em> documentation <em>identification</em> number on record must <em>match</em> the social <em>security</em> number to run"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[18.345602,"7061924"]},{"_index":"complaint-public-v1","_id":"9419824","_score":18.127558,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against LexisNexis Risk Solutions XXXX ( hereinafter \" LexisNexis '' ) for the inaccurate reporting of a bankruptcy on my credit reports with XXXX and XXXX, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). \n\nSummary of the Dispute : I have a bankruptcy being reported on my XXXX and XXXX credit reports that does not belong to me. I am a victim of identity theft, and this inaccurate information has severely affected my creditworthiness and financial well-being. XXXX and XXXX claim that they verified this information with the bankruptcy court ; however, the bankruptcy court has stated unequivocally that they do not verify or provide information to consumer reporting agencies. Specifically, the Bankruptcy Court asserts : \" The Bankruptcy Court does not report or provide information to consumer reporting agencies. The Bankruptcy Court is not responsible for verifying or validating information in consumers credit reports '' ( see https : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). \n\nWhen I presented this information to XXXX and XXXX, they responded that the bankruptcy was verified by LexisNexis. Upon contacting LexisNexis, I received a form letter stating that the last XXXX digits of my social security number and an address match the information they have on file. However, the address in question has never been and is not my address. Furthermore, considering that the last XXXX digits of a social security number are not unique and can easily match multiple individuals ( see XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), it is beyond reasonable to assert that LexisNexis is inaccurately attributing this bankruptcy to me based on incomplete and unreliable data. \n\nViolation of Federal Rule of Bankruptcy Procedure 9037 : Federal Rule of Bankruptcy Procedure 9037 mandates that certain personal identification information be redacted from documents filed with the court. Filings containing an individual 's social security number, taxpayer identification number, or birth date ; the name of a minor ; or a financial account number may only include : The last XXXX digits of the social security number and taxpayer identification number ; The year of the individual 's birth ; The minors initials ; The last XXXX digits of the financial account number. \nGiven this redaction requirement, it is axiomatic that the bankruptcy could not possibly be accurately reported in compliance with the FCRA. The law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. \n\nFCRA Compliance Issues and Identity Theft : Under the FCRA, credit reporting agencies are required to report only accurate and verifiable information. The inaccurate reporting of this bankruptcy by LexisNexis and its inclusion in my XXXX and XXXX credit reports demonstrates a blatant disregard for the requirement to ensure the maximum possible accuracy of consumer information. Such inaccuracies have significant adverse effects on my creditworthiness and financial well-being. \n\nAs a victim of identity theft, I have provided both the FTC fraud affidavit and the required police report in my dispute request. According to the FCRA, information related to identity theft must be \" blocked '' within four days of receiving such documentation. FCRA 605B ( 15 U.S.C. 1681c-2 ) states : \" Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days ... '' LexisNexis has failed to comply with this requirement.","date_sent_to_company":"2024-07-03T22:10:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98387","tags":null,"has_narrative":true,"complaint_id":"9419824","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-07-03T21:58:42.000Z","state":"WA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Upon contacting LexisNexis, I received a form letter <em>stating</em> that the last XXXX digits of my social <em>security</em> number and an address <em>match</em> the information they have on file. However, the address in question has never been and is not my address."]},"sort":[18.127558,"9419824"]},{"_index":"complaint-public-v1","_id":"7069662","_score":17.981524,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  credit report agency failed to investigate illegally activity identity thefts fraudulent paperwork refuse to investigate the original application make sure correct owner failed to provide documentation from XXXX XXXX XXXX fresh start to provide XXXX form identification provide by federal regulations guidelines applys to all Leanders in the United States department of Treasury securities of exchange FTC commission regulations wasn't no state issued identification on record make it invalid application should been denied approve until identification can be verified along with XXXX  credit report reported me on the file sents XXXX with out my knowledge my personal information was expose cross the United States an other out side county's applying for business loans mortgage loans other loans received the loans than worth it off as debt sign off with out my permission or my knowledge i suffer from getting denied credit denied placed of residence cause me to become homeless XXXX allowing this operation to happen with investigation my personal information can't be verified due data breaches an now XXXX XXXX XXXX XXXX harrissing me for payment that XXXX XXXX XXXX fresh start collect multiple times as paid debt on time payment due to XXXX  credit report agency allowing XXXX XXXX XXXX XXXX to continue to report delinquency on my credit report unpaid debt illegally corrupted they refuse to remove XXXX XXXX XXXX XXXX status account belong to me now I'm stuck suffering because of this an I suppose revenue commissioner unlawful activity company XXXX + credit use my personal information to apply loans I hold accountable for this Experian XXXX  deleted XXXX XXXX XXXX XXXX off my credit report bet XXXX  failure to investigate this fraudulent activity company running illegally allowing out country worker for the company so they don't half to file taxes on out country employees who collecting or personal information use it unlawful consumer support another failure to this company I here request full investigation request the original application which should have verification supposed to have to denied or approve line of credit which can't be verified no state issued identification number on record XXXX  request I Mail my social security number an state issued identification valid ID so they can try to cover their tracks due to the company having some type affiliation with these companies try collect an try to harm consumer credit score my credit score should be in good standard of standard instead they helped XXXX XXXX XXXX XXXX to defraud my credit report about payment I have nothing to do with never provided any type documents to apply for credit mistakes identity don't confuse me with family or friends have smiler name like mine using my social security number with out provide state issued identification number match my identity that why we supposed always keep valid identification up to date my personal information can't be verified in banking system that XXXX  department refuse to correct to my identity cyber security effect with Identity thefts so I can't receive my XXXX XXXX XXXX XXXX I bond because my personal information don't match the record bet with government issue bonds stocks shares bank is using an issue out to other lenders I'm not receiving a dime I'm XXXX because I'm keep getting denied credit card an other loans I'm the own the bond why the bank take over my estate property bonds illegally because they don't wanna correct my personal information in Data base system deleted all fraudulent accounts from my credit file cause my credit score to by XXXX  points make it poor so I can't get credit get approved due fraudulent company XXXX XXXX XXXX  failed removal them self from my credit report like Experian XXXX  removed XXXX XXXX XXXX XXXX  off my credit report identity thefts why XXXX  failed to comply with federal regulations guidelines reported illegally activity keep dropping my score self builder account paid in full XXXX  credit report reported something else on my credit report under they name now using it fraudulent instead increased my score drop my score to XXXX  poor wrong illegally operation violation rights Equal rights protection under 14 amendment united State Constitution federal law they in violation caused me harm an XXXX  XXXX  allowing this operation to happen to me cause me pain im correct XXXX  right now because all the bank toke my asset an sold all government commercial property cause me to lose revenue unredeemed bond that that mature refuse to provide access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all denied my right to assets my assets treating to arrest me if I come on property due to im XXXX man with asset that they toke transaction embezzlement money laundering wire transfer fraudulent fraudulent documents not be reported to IRS land taxes an XXXX  credit report agency involved with this corrupted banking system allowing this to happen to me toke control over my life an my identity all they asking me to mail my social security number an identification number why so they can have full access to my personal information to use against me or for the self i refuse to provide or Mail my personal information someone can take or steal USD again I'm supposed be protected by paperwork reduction act registration license active XXXX  controllers of currency CFPB regulations G 3170-0005 XXXX  XXXX XXXX XXXX  they refuse to analogy it it wrong my personal information need to be investigated bank need to be hold accountable for stealing government bonds assets for they own benefits reasons after this just happen again now still operating illegally when this going stop when I'm get my identity back XXXX  credit report agency an XXXX XXXX XXXX XXXX must provide documentation the original application must have everything on social security number an state issued identification expiration date years the license was issued an state which it was issued at can't prove that an u approve credit with correct verification verify identity an place of residence I'm not responsible for providing this document to nobody until this complete investigation be completed an I hereby request XXXX XXXX XXXX XXXX be deleted off my credit report an bank of America shouldn't be on my report due to error they made mistake they made on XXXX XXXX XXXX XXXX  denied my application with notifying me an they removed it they holding my government bonds XXXX XXXX I'm the holder of them asset an they toke it request mail identification cards an socal security number copy an Mail with it can be misplace or lose not taking no risk to anyone that not me I hereby request XXXX  XXXX  an Experian notify these companies inform them my credit is in good standard an they can't run no credit check to identity fraud an automatic approval for home loans mortgage loans credit card proved by federal regulations guidelines an protect by federal paperwork reduction act registration license all 3 credit report agency supposed to notify these banking companies an loan company informed them my credit is in good standard can't no company run any type credit report or check my credit due to fraudulent activity refuse to update the information an forward it to banking system XXXX XXXX fails to comply with federal regulations guidelines effect my ability to leave an hold my own property an assets that these banks is collect an withdrawal from my savings account an my trust account were they claimed powers of attorney because my identity can't be verified because credit report agency is harming my score get denied credit loans when.im.in title to compensation were I never received because they refuse to pay debt settlement agreement that was made by federal judges in united State of New York XXXX  global market cap that belong to me now credit report agency failed to comply still operating illegally violation consumer rights protection act everything must be updated an address must be corrected all fraud account must be removed including XXXX failed to comply with federal regulations guidelines reported incorrect information just provide us with requirements to apply for credit an any line of credit failed to do is automatically lawsuits pain an suffering motions damaged cause me to be XXXX  everything must be reported an delivery to XXXX XXXX XXXX federal reserve commission an FDIC insurance corporation security exchange commission an FTC commission along everyone must update this employment position on my credit report an also my personal information my be corrected I am Protection under safe act an paperwork reduction act registration license I must receive my credit loan license requirements by federal regulations every one must follow federal regulations no land should be auction off illegally failed to report federal revenue tax corporation force they XXXX XXXX  license revoked I am the supervisor over all federal banking system an credit union no everyone must pay federal land tax lease they place of employment no federal land is for sale running illegal operation with proving revenue reported failure to comply with federal regulations guidelines XXXX XXXX license automatic revoke filing falsely documents an report all banking system Cross the United States operation business with any stocks or shares in corporation landing out funds with permission automatic revoke an suspension or find maybe prosecution effective immediately XXXX  illegally banking transaction embezzlement money laundering wire transfer tax fraud federal offense prostitution will be filed stop to corrupted businesses agency running illegally scam with out paying federal land tax federal commercial sale illegally commercial property with federal regulations license all banking is under federal regulations failed to. Comply guidelines civil law be enforced","date_sent_to_company":"2023-06-03T10:28:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"7069662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-03T10:28:45.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["identity don't confuse me with family or friends have smiler name like mine using my social <em>security</em> number with out <em>provide</em> <em>state</em> <em>issued</em> <em>identification</em> number <em>match</em> my identity that why we supposed always keep valid <em>identification</em> up to date my personal information can't be verified in banking system that XXXX  department refuse to correct to my identity cyber <em>security</em> effect with Identity thefts so I can't receive my XXXX XXXX XXXX XXXX I bond because my personal information don't <em>match</em> the record"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.981524,"7069662"]},{"_index":"complaint-public-v1","_id":"7069663","_score":17.974115,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  credit report agency failed to investigate illegally activity identity thefts fraudulent paperwork refuse to investigate the original application make sure correct owner failed to provide documentation from XXXX XXXX XXXX XXXX XXXX to provide XXXX  form identification provide by federal regulations guidelines applys to all Leanders in the United States department of Treasury securities of exchange FTC commission regulations wasn't no state issued identification on record make it invalid application should been denied approve until identification can be verified along with XXXX credit report reported me on the file sents XXXX with out my knowledge my personal information was expose cross the United States an other out side county's applying for business loans mortgage loans other loans received the loans than worth it off as debt sign off with out my permission or my knowledge i suffer from getting denied credit denied placed of residence cause me to become homeless XXXX allowing this operation to happen with investigation my personal information can't be verified due data breaches an now XXXX XXXX XXXX XXXX harrissing me for payment that XXXX XXXX XXXX XXXX XXXX collect multiple times as paid debt on time payment due to XXXX  credit report agency allowing XXXX XXXX XXXX XXXX to continue to report delinquency on my credit report unpaid debt illegally corrupted they refuse to remove XXXX XXXX XXXX XXXX  status account belong to me now I'm stuck suffering because of this an I suppose revenue commissioner unlawful activity company 2000 + credit use my personal information to apply loans I hold accountable for this XXXX  Equifax deleted XXXX XXXX XXXX XXXX off my credit report bet XXXX  failure to investigate this fraudulent activity company running illegally allowing out country worker for the company so they don't half to file taxes on out country employees who collecting or personal information use it unlawful consumer support another failure to this company I here request full investigation request the original application which should have verification supposed to have to denied or approve line of credit which can't be verified no state issued identification number on record XXXX  request I Mail my social security number an state issued identification valid ID so they can try to cover their tracks due to the company having some type affiliation with these companies try collect an try to harm consumer credit score my credit score should be in good standard of standard instead they helped XXXX XXXX XXXX XXXX  to defraud my credit report about payment I have nothing to do with never provided any type documents to apply for credit mistakes identity don't confuse me with family or friends have smiler name like mine using my social security number with out provide state issued identification number match my identity that why we supposed always keep valid identification up to date my personal information can't be verified in banking system that XXXX  department refuse to correct to my identity cyber security effect with Identity thefts so I can't receive my E bond EE bond I bond because my personal information don't match the record bet with government issue bonds stocks shares bank is using an issue out to other lenders I'm not receiving a dime I'm homeless because I'm keep getting denied credit card an other loans I'm the own the bond why the bank take over my estate property bonds illegally because they don't wanna correct my personal information in Data base system deleted all fraudulent accounts from my credit file cause my credit score to by XXXX  points make it poor so I can't get credit get approved due fraudulent company XXXX XXXX XXXX failed removal them self from my credit report like XXXX  Equifax removed XXXX XXXX XXXX XXXX  off my credit report identity thefts why XXXX  failed to comply with federal regulations guidelines reported illegally activity keep dropping my score self builder account paid in full XXXX  credit report reported something else on my credit report under they name now using it fraudulent instead increased my score drop my score to XXXX  poor wrong illegally operation violation rights Equal rights protection under 14 amendment united State Constitution federal law they in violation caused me harm an mental depression allowing this operation to happen to me cause me pain im correct homeless right now because all the bank toke my asset an sold all government commercial property cause me to lose revenue unredeemed bond that that mature refuse to provide access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all denied my right to assets my assets treating to arrest me if I come on property due to im black man with asset that they toke transaction embezzlement money laundering wire transfer fraudulent fraudulent documents not be reported to IRS land taxes an XXXX  credit report agency involved with this corrupted banking system allowing this to happen to me toke control over my life an my identity all they asking me to mail my social security number an identification number why so they can have full access to my personal information to use against me or for the self i refuse to provide or Mail my personal information someone can take or steal USD again I'm supposed be protected by paperwork reduction act registration license active XXXX XXXX XXXX XXXX CFPB regulations G 3170-0005 XXXX  XXXX XXXX XXXXXXXX they refuse to analogy it it wrong my personal information need to be investigated bank need to be hold accountable for stealing government bonds assets for they own benefits reasons after this just happen again now still operating illegally when this going stop when I'm get my identity back XXXX  credit report agency an XXXX XXXX XXXX XXXX must provide documentation the original application must have everything on social security number an state issued identification expiration date years the license was issued an state which it was issued at can't prove that an u approve credit with correct verification verify identity an place of residence I'm not responsible for providing this document to nobody until this complete investigation be completed an I hereby request XXXX XXXX XXXX XXXX be deleted off my credit report an XXXX XXXX XXXX shouldn't be on my report due to error they made mistake they made on XXXX XXXX XXXX corporation denied my application with notifying me an they removed it they holding my government bonds XXXX XXXX I'm the holder of them asset an they toke it request mail identification cards an socal security number copy an Mail with it can be misplace or lose not taking no risk to anyone that not me I hereby request XXXX  Equifax an XXXX  notify these companies inform them my credit is in good standard an they can't run no credit check to identity fraud an automatic approval for home loans mortgage loans credit card proved by federal regulations guidelines an protect by federal paperwork reduction act registration license all 3 credit report agency supposed to notify these banking companies an loan company informed them my credit is in good standard can't no company run any type credit report or check my credit due to fraudulent activity refuse to update the information an forward it to banking system XXXX  registration fails to comply with federal regulations guidelines effect my ability to leave an hold my own property an assets that these banks is collect an withdrawal from my savings account an my trust account were they claimed powers of attorney because my identity can't be verified because credit report agency is harming my score get denied credit loans when.im.in title to compensation were I never received because they refuse to pay debt settlement agreement that was made by federal judges in united State of New York XXXX  global market cap that belong to me now credit report agency failed to comply still operating illegally violation consumer rights protection act everything must be updated an address must be corrected all fraud account must be removed including XXXX  failed to comply with federal regulations guidelines reported incorrect information just provide us with requirements to apply for credit an any line of credit failed to do is automatically lawsuits pain an suffering motions damaged cause me to be homeless  everything must be reported an delivery to Alabama banking association federal reserve commission an FDIC insurance corporation security exchange commission an FTC commission along everyone must update this employment position on my credit report an also my personal information my be corrected I am Protection under safe act an paperwork reduction act registration license I must receive my credit loan license requirements by federal regulations every one must follow federal regulations no land should be auction off illegally failed to report federal revenue tax corporation force they XXXX  registration license revoked I am the supervisor over all federal banking system an credit union no everyone must pay federal land tax lease they place of employment no federal land is for sale running illegal operation with proving revenue reported failure to comply with federal regulations guidelines NMLS registration license automatic revoke filing falsely documents an report all banking system Cross the United States operation business with any stocks or shares in corporation landing out funds with permission automatic revoke an suspension or find maybe prosecution effective immediately XXXX  illegally banking transaction embezzlement money laundering wire transfer tax fraud federal offense prostitution will be filed stop to corrupted businesses agency running illegally scam with out paying federal land tax federal commercial sale illegally commercial property with federal regulations license all banking is under federal regulations failed to. Comply guidelines civil law be enforced","date_sent_to_company":"2023-06-03T10:28:49.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"7069663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-03T10:28:45.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["mistakes identity don't confuse me with family or friends have smiler name like mine using my social <em>security</em> number with out <em>provide</em> <em>state</em> <em>issued</em> <em>identification</em> number <em>match</em> my identity that why we supposed always keep valid <em>identification</em> up to date my personal information can't be verified in banking system that XXXX  department refuse to correct to my identity cyber <em>security</em> effect with Identity thefts so I can't receive my E bond EE bond I bond because my personal information don't <em>match</em> the"]},"sort":[17.974115,"7069663"]},{"_index":"complaint-public-v1","_id":"6173215","_score":17.620132,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have inform the Consumer reporting Agency and the Furnisher of the information to see and desist with inaccurate information i have follow procedure according to FCRA act yet my rights continue to be violated by CRA despite providing all the documents require by law to remove inaccurate information. \n\n605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\n1022.123 Appropriate proof of identity. \n( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.\n\n( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.\n\n( 2 ) Additional proof of identity. Copies of government issued identification documents, utility bills, and/ or other methods of authentication of a person 's identity which may include, but would not be limited to, answering questions to which only the consumer might be expected to know the answer.","date_sent_to_company":"2022-11-08T03:41:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20721","tags":null,"has_narrative":true,"complaint_id":"6173215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-11-08T03:16:03.000Z","state":"MD","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The <em>identification</em> information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, <em>state</em>, and zip code ), full nine digits of Social <em>Security</em> number, and/or date of birth.\n\n( 2 ) Additional proof of identity."]},"sort":[17.620132,"6173215"]},{"_index":"complaint-public-v1","_id":"5674581","_score":17.139101,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2022 Chase Bank, via their website, offered me {$200.00} to open a checking account ( attached ), if said account had at least one direct deposit made within the first 90 days of opening. I accepted their offer and filled out an on-line application via their website, where I provided my full, true, and legal name, address, date of birth, social security number, XXXX drivers license number, and an authorization for them to verify my identity with the Social Security Administration , and an authorization to allow them to review my consumer credit report. \n\nChase Bank does a real-time, instant verification that an applicants name matches the social security number they give, and will not allow them to proceed further on their website to submit their application if it does not. \n\nAfter submitting my application, Chase Bank sent me a letter ( attached ) on XX/XX/2022, declining to open the checking account, stating they werent able to verify my identity, based upon my XXXX credit report. The letter offered no way to directly contact anyone at Chase, or alternative to verify my identity. Trying to call the customer service number listed on their website only results in them hanging up on you, if you dont have an account number with them, to enter. \n\nThe question must be asked, why is Chase Bank using a consumer credit reporting agency to verify checking account applicants identity, when such agencies provide a wealth of information about consumers implied wealth, income and actual credit usage, but do NOT verify the identity of consumers they hold information on, and when the the sources of their information neither verify the identity of the consumers they report information on, or are not required to? \n\nThe question must also be asked why is Chase Bank using a consumer credit reporting agency to verify checking account applicants identity, when they are collecting the applicants social security number and state issued identification numbers, both of which can be used in some states, and the social security number which can be used, regardless of state, to verify identity? \n\nMore pressing still, if Chase is actually interested in simply the identity of an applicant, why are they choosing to use a consumer credit reporting agency, which which does not verify or report from sources that verify consumers identity, instead of using a consumer checking account reporting agency ( e.g. XXXX ) which DOES report information from sources that DO in-person identification checks on consumers? \n\nAlso, if it is only identity verification that Chase Bank honoring its offer is contingent upon, and if Chase banks third parties are unable to do so, then why does Chase Bank not give the applicant any alternative to produce evidence of identity? \n\nBut the MOST pressing question is, why did Chase Bank factually lie in stating it could not verify my identity, based upon my XXXX credit report ( attached ) when they did INDEED verify my identity, based upon said consumer credit report that included a full match on name, social security number, date of birth and address - AS WELL AS the definitively reliable Social Security Administration? \n\nIn choosing to forgo sources of identity verification far more reliable than consumer credit reporting agencies while at the same time gaining vast amounts of personal, unrelated data on their checking account applicants, while at the same time in fact ignoring identity verification provided by government agencies which are the source of identity records, and in choosing to decline my application for the stated reason of not being able to verify my identity, even when identity verification was provided by both government sources and their chosen consumer credit reporting agency, Chase Bank has falsely advertised and extended an offer of {$200.00} in bad faith, that it has not honored, which its clear, it never intended to honor, unless undisclosed stipulations of a certain level of wealth, based on credit report information, is met. And under such misrepresentation, they have extracted from me, highly confidential personal data, of value for marketing purposes.","date_sent_to_company":"2022-06-15T11:34:01.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"92651","tags":null,"has_narrative":true,"complaint_id":"5674581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-06-15T11:10:31.000Z","state":"CA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["The question must also be asked why is Chase Bank using a consumer credit reporting agency to verify checking account applicants identity, when they are collecting the applicants social <em>security</em> number and <em>state</em> <em>issued</em> <em>identification</em> numbers, both of which can be used in some states, and the social <em>security</em> number which can be used, regardless of <em>state</em>, to verify identity?"]},"sort":[17.139101,"5674581"]},{"_index":"complaint-public-v1","_id":"7067771","_score":17.101639,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion credit report agency failed to investigate illegally activity identity thefts fraudulent paperwork refuse to investigate the original application make sure correct owner failed to provide documentation from XXXX XXXX XXXX XXXX XXXX to provide 2 form identification provide by federal regulations guidelines applys to all Leanders in the United States department of Treasury securities of exchange FTC commission regulations wasn't no state issued identification on record make it invalid application should been denied approve until identification can be verified along with TransUnion credit report reported me on the file sents XXXX with out my knowledge my personal information was expose cross the United States an other out side county's applying for business loans mortgage loans other loans received the loans than worth it off as debt sign off with out my permission or my knowledge i suffer from getting denied credit denied placed of residence cause me to become homeless TransUnion allowing this operation to happen with investigation my personal information can't be verified due data breaches an now XXXX XXXX XXXX  corporation harrissing me for payment that XXXX XXXX XXXX XXXX XXXX collect multiple times as paid debt on time payment due to TransUnion credit report agency allowing XXXX XXXX XXXX  corporation to continue to report delinquency on my credit report unpaid debt illegally corrupted they refuse to remove XXXX XXXX XXXX corporation status account belong to me now I'm stuck suffering because of this an I suppose revenue commissioner unlawful activity company 2000 + credit use my personal information to apply loans I hold accountable for this XXXX XXXX deleted XXXX XXXX XXXX  corporation off my credit report bet TransUnion failure to investigate this fraudulent activity company running illegally allowing out country worker for the company so they don't half to file taxes on out country employees who collecting or personal information use it unlawful consumer support another failure to this company I here request full investigation request the original application which should have verification supposed to have to denied or approve line of credit which can't be verified no state issued identification number on record TransUnion request I Mail my social security number an state issued identification valid ID so they can try to cover their tracks due to the company having some type affiliation with these companies try collect an try to harm consumer credit score my credit score should be in good standard of standard instead they helped XXXX XXXX XXXX corporation to defraud my credit report about payment I have nothing to do with never provided any type documents to apply for credit mistakes identity don't confuse me with family or friends have smiler name like mine using my social security number with out provide state issued identification number match my identity that why we supposed always keep valid identification up to date my personal information can't be verified in banking system that TransUnion department refuse to correct to my identity cyber security effect with Identity thefts so I can't receive my E bond EE bond I bond because my personal information don't match the record bet with government issue bonds stocks shares bank is using an issue out to other lenders I'm not receiving a dime I'm homeless because I'm keep getting denied credit card an other loans I'm the own the bond why the bank take over my estate property bonds illegally because they don't wanna correct my personal information in Data base system deleted all fraudulent accounts from my credit file cause my credit score to by XXXX points make it poor so I can't get credit get approved due fraudulent company XXXX XXXX corporation failed removal them self from my credit report like XXXX  XXXX  removed XXXX XXXX XXXX XXXX off my credit report identity thefts why TransUnion failed to comply with federal regulations guidelines reported illegally activity keep dropping my score self builder account paid in full TransUnion credit report reported something else on my credit report under they name now using it fraudulent instead increased my score drop my score to XXXX poor wrong illegally operation violation rights Equal rights protection under 14 amendment united State Constitution federal law they in violation caused me harm an XXXX XXXX allowing this operation to happen to me cause me pain im correct homeless right now because all the bank toke my asset an sold all government commercial property cause me to lose revenue unredeemed bond that that mature refuse to provide access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they all denied my right to assets my assets treating to arrest me if I come on property due to im XXXX man with asset that they toke transaction embezzlement money laundering wire transfer fraudulent fraudulent documents not be reported to IRS land taxes an TransUnion credit report agency involved with this corrupted banking system allowing this to happen to me toke control over my life an my identity all they asking me to mail my social security number an identification number why so they can have full access to my personal information to use against me or for the self i refuse to provide or Mail my personal information someone can take or steal USD again I'm supposed be protected by paperwork reduction act registration license active OMB controllers of currency CFPB regulations G 3170-0005 NMLS registration number 2470822 they refuse to analogy it it wrong my personal information need to be investigated bank need to be hold accountable for stealing government bonds assets for they own benefits reasons after this just happen again now still operating illegally when this going stop when I'm get my identity back TransUnion credit report agency an XXXX XXXX XXXX corporation must provide documentation the original application must have everything on social security number an state issued identification expiration date years the license was issued an state which it was issued at can't prove that an u approve credit with correct verification verify identity an place of residence I'm not responsible for providing this document to nobody until this complete investigation be completed an I hereby request XXXX XXXX XXXX corporation be deleted off my credit report an XXXX XXXX XXXX  shouldn't be on my report due to error they made mistake they made on XXXX XXXX XXXX XXXX denied my application with notifying me an they removed it they holding my government bonds E-EE-i bond I'm the holder of them asset an they toke it request mail identification cards an socal security number copy an Mail with it can be misplace or lose not taking no risk to anyone that not me I hereby request TransUnion XXXX  an XXXX notify these companies inform them my credit is in good standard an they can't run no credit check to identity fraud an automatic approval for home loans mortgage loans credit card proved by federal regulations guidelines an protect by federal paperwork reduction act registration license all 3 credit report agency supposed to notify these banking companies an loan company informed them my credit is in good standard can't no company run any type credit report or check my credit due to fraudulent activity refuse to update the information an forward it to banking system XXXX registration fails to comply with federal regulations guidelines effect my ability to leave an hold my own property an assets that these banks is collect an withdrawal from my savings account an my trust account were they claimed powers of attorney because my identity can't be verified because credit report agency is harming my score get denied credit loans when.im.in title to compensation were I never received because they refuse to pay debt settlement agreement that was made by federal judges in united State of New York NYSE global market cap that belong to me now credit report agency failed to comply still operating illegally violation consumer rights protection act everything must be updated an address must be corrected all fraud account must be removed including TransUnion failed to comply with federal regulations guidelines reported incorrect information just provide us with requirements to apply for credit an any line of credit failed to do is automatically lawsuits pain an suffering motions damaged cause me to be homeless  everything must be reported an delivery to Alabama banking association federal reserve commission an FDIC insurance corporation security exchange commission an FTC commission along everyone must update this employment position on my credit report an also my personal information my be corrected I am Protection under safe act an paperwork reduction act registration license I must receive my credit loan license requirements by federal regulations every one must follow federal regulations no land should be auction off illegally failed to report federal revenue tax corporation force they XXXX registration license revoked I am the XXXX over all federal banking system an credit union no everyone must pay federal land tax lease they place of employment no federal land is for sale running illegal operation with proving revenue reported failure to comply with federal regulations guidelines XXXX  registration license automatic revoke filing falsely documents an report all banking system Cross the United States operation business with any stocks or shares in corporation landing out funds with permission automatic revoke an suspension or find maybe prosecution effective immediately XXXX   illegally banking transaction embezzlement money laundering wire transfer tax fraud federal offense prostitution will be filed stop to corrupted businesses agency running illegally scam with out paying federal land tax federal commercial sale illegally commercial property with federal regulations license all banking is under federal regulations failed to. Comply guidelines civil law be enforced","date_sent_to_company":"2023-06-03T10:28:41.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"354XX","tags":null,"has_narrative":true,"complaint_id":"7067771","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-03T08:25:33.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["for credit mistakes identity don't confuse me with family or friends have smiler name like mine using my social <em>security</em> number with out <em>provide</em> <em>state</em> <em>issued</em> <em>identification</em> number <em>match</em> my identity that why we supposed always keep valid <em>identification</em> up to date my personal information can't be verified in banking system that TransUnion department refuse to correct to my identity cyber <em>security</em> effect with Identity thefts so I can't receive my E bond EE bond I bond because my personal information"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[17.101639,"7067771"]},{"_index":"complaint-public-v1","_id":"9605206","_score":16.937798,"_source":{"product":"Checking or savings account","complaint_what_happened":"Last month, XXXX of XXXX, I was the victim of identity theft. My purse had been stolen and someone pretending to be me went into the Wells Fargo Bank in XXXX XXXX, MN and presented XXXX checks for the amounts of {$4500.00} and {$4600.00} for a total of {$9100.00}. The imposter put {$2000.00} of that money into my husband and I 's checking account and was able to walk out of Wells Fargo Bank with {$7100.00} in cash. The imposter used my stolen state issued license and forged my signature on the checks. \n\nAfter the checks were deemed fraudulent by Wells Fargo, they, Wells Fargo, took out the {$2000.00} deposited by the imposter from our checking account. This is completely understandable as those {$2000.00} were fraudulent funds. However, Wells Fargo proceeded to penalize me, the victim of the crime, and took {$7100.00} ( the remaining balance of the XXXX fraudulent checks ) from my husband and I 's checking account, draining the account and taking all the money my husband and I have to take care of our XXXX children. \n\nWells Fargo massively failed to protect the money that my husband and I entrust into their care. They also massively failed to activate any such security measures that could have prevented the given incident from happening in the first place. Furthermore, Wells Fargo penalized me, the victim of the crime, took all the money my husband and I have to provide for our family and refuse to reimburse what they took. \n\nA brief investigation was done by Wells Fargo through the Claims Department regarding the incident. The bank shared with us that they would look into everything and get to the bottom of what had occurred. After conducting an unreasonable and very weak investigation, the Claims Department made the following conclusion : \" In researching your inquiry about possible fraud of {$9100.00}, we found that the signature on file appears to match the signature on the item in question. Additionally, your state issued ID was used as identification in this transaction. As a result, we can not reimburse you. '' Just a note that the signature forged on the checks DOES NOT match whatsoever. The investigator working with the Claims Department admitted that detail to my husband while speaking with him on the phone, stating that that the two signatures DO NOT MATCH and said she would inform the Claims Department of that as well. Clearly that did not happen. \n\nMy husband and I have been faithful customers of Wells Fargo since XXXX. We are absolutely appalled at the horrendous customer service we have received during each interaction with a Wells Fargo employee in connection to this incident. We are also completely bewildered at the decision made by Wells Fargo not to reimburse us the money they wrongfully took from our checking account. The fault does not lie at our feet but that of Wells Fargo alone. If only they would have put more of an effort into their investigation they would have easily been able to prove that this was a complete fraudulent incident, XXXX that I did not commit. \n\nI would like to know how someone was able to walk out of the Wells Fargo bank with {$7100.00} in cash so easily? Even if they had my state issued ID ... did they even look at the picture to make a comparison? Clearly they would have seen that it was not me. Why were the dozens of security cameras inside and outside of the bank not used in the investigation? \n\nThe stress and hardship of this situation and how Wells Fargo has chosen to respond to this fraudulent incident has caused a great toll on my family. We are a simple family just wanting to provide and take care of our children and contribute to our local community .... the {$7100.00} that Wells Fargo wrongfully took from our checking account, all the money that we have, has made those responsibilities extremely difficult to carry out. \n\nPlease help us!!!","date_sent_to_company":"2024-07-24T18:35:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"55313","tags":null,"has_narrative":true,"complaint_id":"9605206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-07-24T18:29:00.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["After conducting an unreasonable and very weak investigation, the Claims Department made the following conclusion : \" In researching your inquiry about possible fraud of {$9100.00}, we found that the signature on file appears to <em>match</em> the signature on the item in question. Additionally, your <em>state</em> <em>issued</em> ID was used as <em>identification</em> in this transaction. As a result, we can not reimburse you. '' Just a note that the signature forged on the checks DOES NOT <em>match</em> whatsoever."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.937798,"9605206"]},{"_index":"complaint-public-v1","_id":"2904210","_score":16.443272,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I received a letter in the mail from XXXX XXXX stating that they regret to inform me that my credit score with XXXX XXXX is too low for me to be approved for a purchase of a new vehicle. I know for a fact that my XXXX, XXXX, and XXXX  scores are well within the correct range to finance a vehicle. The credit score from XXXX was a XXXX!! There is absolutely no way that any of the information that they have for me is correct since the letter stated that i have limited history for consumer at a address, too few active accounts, and too few bankcard accounts. This company then asks me to send in the following information to receive any form of services from them in regards to my credit report. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- \" 1. Submit a written request by secured fax at ( XXXX ) XXXX, or by mail to : XXXX , XXXX   Consumer Office, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. \n\nNote that requesting your XXXX credit score will not hurt or otherwise impact your XXXX credit score. \n\nIf you submit a written request by fax or mail, please provide the following information : Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year ) For security purposes, we must verify your identity. Therefore, please include the following with your written request : A legible copy of your current drivers license or other current government-issued identification card showing your current address and date of birth. \n\nIf your drivers license or other government-issued identification card is not current or if it does not show your current mailing address, then a legible copy of a document from Category 2 listed below is also required. \nIf you do not have a drivers license or other government-issued identification card, then a legible copy of a document from Category 1 and Category 2 listed below are required. \nCategory 1 Social Security card U.S. passport picture page Alien registration card Military identification card ( front and back ) Category 2 Recent cable, utility or telephone statement with your name and current mailing address Bank statement with current address Rental lease agreement showing current address Voided personal check with your preprinted current address Notarized letter from your landlord confirming your current name and residential address Mortgage statement with the current address The address on the ID or other document must match the address provided in your request. \n\nYour request will be processed within five ( 5 ) business days after receipt and your credit score will be sent by USPS first-class mail. \n\nIf you would like to request a copy of your XXXX consumer report, please click Consumer Report for instructions. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The information that they are asking for is very private in regards to sending via Snail Mail which concerns me as well.","date_sent_to_company":"2018-05-11T19:44:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30132","tags":"Servicemember","has_narrative":true,"complaint_id":"2904210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ID Analytics, Inc.","date_received":"2018-05-11T19:35:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["If you do not have a drivers license or other government-<em>issued</em> <em>identification</em> card, then a legible copy of a document from Category 1 and Category 2 listed below are required."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[16.443272,"2904210"]},{"_index":"complaint-public-v1","_id":"3597088","_score":16.08587,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I requested my free annual credit report online from Equifax through the website annualcreditreport.com. The site said that they are unable to provide it. As this error with Equifax has repeated each of the last seven years, I submitted a complaint on the above date with the CFPB requesting that my report be made available to me online each year. Please see Complaint XXXX for details. \n\nEquifax responded with a canned reply that seems to address a different complaint, but not mine, and then essentially the same error message I see every year on their web site. I responded with feedback, but when I submitted it I saw that the status of the complaint is \" Closed ''. Apparently the complaint is closed once the offending company responds. \n\nHere 's a copy of the feedback I submitted : \" Thank you for responding to my complaint. Unfortunately you seem to have misunderstood the problem. I did not report that there were \" inaccurate or incorrect items reporting '' on my credit file, as your response states. I complained because you have not made my report available to me online for years. \n\nIn your response you say, \" the identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. '' I stated clearly in my complaint that I have provided this information to you by mail, as you requested, in XXXX and again in XXXX. You were able to finally verify it and send me my report each of those years, there is no reason you can't verify exactly the same information now. \n\nIn my complaint I requested that Equifax fix the glitch that keeps me from receiving my free annual credit report online every year. Your response is simply a repeat of the error I see when I request it year after year. Sending you hard copies of my sensitive information was not enough to resolve this issue ; it must be something else in your system that needs to be fixed. ''","date_sent_to_company":"2020-04-07T23:09:30.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"92647","tags":null,"has_narrative":true,"complaint_id":"3597088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-07T22:38:57.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["In your response you say, \" the <em>identification</em> information you provided does not <em>match</em> our records. In order to properly assist you, we will need additional information in order to verify your <em>identification</em> and current address. Please <em>provide</em> a legible photocopy of a valid document that shows your name, current address and complete social <em>security</em> number. '' I <em>stated</em> clearly in my complaint that I have provided this information to you by mail, as you requested, in XXXX and again in XXXX."]},"sort":[16.08587,"3597088"]},{"_index":"complaint-public-v1","_id":"3302752","_score":14.963084,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX I opened a joint account with my niece who was at the time in college. When opening the account only document I was asked for I was a signature card. Provided. We used the account without issue for XXXX months Im estimating until the account was locked and we couldnt move $ out of the account anymore. During this time my niece who was in another state was impacted by a hurricane and due to lack of available funds lost her apartment. I called only to determine that USAA needed identification documents for my niece. We provided what they requested but the bank had an address linked to my niece that was associated with her father therefore the proof of residence would not validate even though her ID matched her lease agreement. The bank would also ask us for documents without giving detailed information for example they requested an ID & her social security card but failed to inform me that the back of the item was also needed. This went on for approximately another 6-8 months until I could no longer fight with the bank. Currently there is approximately {$1500.00} in the account. The last time I was asked to provide documentation was XX/XX/XXXX and it was provided at that time. My account is still locked. Early on when this began I called once and told them that I had a hold on my account and whoever I spoke with just lifted the hold and at that time I thought it was resolved so I only took out what was needed not the entire amount, regrettably. In XX/XX/XXXX when I spoke with a supervisor about this & she modified the address for us to provide the proof of address we sent in the last document and still nothing. I personally funded my nieces direct deposit because I felt guilty and now Im at a loss. On that call XX/XX/XXXX I asked if what we provide is not satisfactory how long will USAA take to close the account and relinquish the funds I was told 60 days. Here we are 2 years later and the account is still in the same status USAA has held onto my money without regard for how impacting this is. \nLast 4 of the account # is XXXX XXXX {$1400.00} Last transaction XX/XX/XXXX","date_sent_to_company":"2019-07-11T08:05:17.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3302752","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-07-11T07:43:44.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["We used the account without <em>issue</em> for XXXX months Im estimating until the account was locked and we couldnt move $ out of the account anymore. During this time my niece who was in another <em>state</em> was impacted by a hurricane and due to lack of available funds lost her apartment. 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