Date received
stringdate 2011-12-01 00:00:00
2025-09-20 00:00:00
| Product
stringclasses 21
values | Sub-product
stringclasses 86
values | Issue
stringclasses 178
values | Sub-issue
stringclasses 272
values | Consumer complaint narrative
stringlengths 4
36k
⌀ | Company public response
stringclasses 11
values | Company
stringlengths 3
88
| State
stringclasses 63
values | ZIP code
stringlengths 5
5
⌀ | Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 7
values | Date sent to company
stringdate 2011-12-01 00:00:00
2025-09-20 00:00:00
| Company response to consumer
stringclasses 8
values | Timely response?
stringclasses 2
values | Consumer disputed?
stringclasses 2
values | Complaint ID
stringlengths 1
8
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2023-09-21
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33617
| null |
Consent not provided
|
Web
|
2023-09-21
|
Closed with non-monetary relief
|
Yes
| null |
7587283
|
2023-07-18
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
PA
|
19426
| null | null |
Phone
|
2023-07-18
|
Closed with explanation
|
Yes
| null |
7276765
|
2020-10-06
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
21229
| null |
Consent not provided
|
Web
|
2020-10-06
|
Closed with explanation
|
Yes
| null |
3883323
|
2022-06-26
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
AL
|
35406
| null |
Consent not provided
|
Web
|
2022-06-26
|
Closed with explanation
|
Yes
| null |
5704129
|
2024-12-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
| null | null |
EQUIFAX, INC.
|
PA
|
17512
| null |
Consent not provided
|
Web
|
2024-12-17
|
Closed with explanation
|
Yes
| null |
11192691
|
2025-07-25
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
DC
|
20019
| null | null |
Web
|
2025-07-25
|
Closed with non-monetary relief
|
Yes
| null |
14885673
|
2023-06-28
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NV
|
89147
| null |
Consent not provided
|
Web
|
2023-06-28
|
Closed with explanation
|
Yes
| null |
7182958
|
2022-08-18
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
15 U.S.C. 1681 Section 602A 15 U.S.C. 1681 Section 604A 1XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$380.00} Original balance- {$380.00} Account info-Account number XXXX Date opened-May XXXX, XXXX Account type-Collection Status-assigned to attorney, collection agency, or credit grantor 's internal collection department 2XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$1000.00} Account info-Account number XXXX Date opened-Mar XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 3.XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$14000.00} Account info Account number-XXXX Date opened-XXXX XXXX, XXXX Account type-Collection Status assigned to attorney, collection agency, or credit grantor 's internal collection department 4.XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$420.00} Account info Account number-XXXX Account status-Closed Date opened-Jul XXXX, XXXX Account type-Credit Card 5.XXXX/XXXX Account info Account number-XXXX Account status-Closed Date opened-XXXX XXXX, XXXX Account type-Charge Card 6.XXXX XXXX XXXX Balance on XX/XX/XXXX, XXXX {$650.00} Account info Account number-XXXX Account status-Closed Date opened-XXXX XXXX, XXXX Account type-Credit Card 7.XXXX XXXX Balance on XX/XX/XXXX, XXXX {$7500.00} Account info Account number-XXXX Account status-Open Date opened-XXXX XXXX, XXXX Account type-Credit Card 8.XXXX XXXX/XXXX Balance on XX/XX/XXXX XXXX XXXX {$400.00} Account info Account number-XXXX Account status-Open Date opened-XXXX XXXX, XXXX Account type-Credit Card
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30291
| null |
Consent provided
|
Web
|
2022-08-18
|
Closed with explanation
|
Yes
| null |
5887905
|
2023-03-14
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NJ
|
08510
| null |
Consent not provided
|
Web
|
2023-03-14
|
Closed with explanation
|
Yes
| null |
6693353
|
2024-11-27
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
|
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
TX
|
76227
| null |
Consent provided
|
Web
|
2024-11-27
|
Closed with explanation
|
Yes
| null |
10952799
|
2025-06-24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
MS
|
39402
| null |
Consent not provided
|
Web
|
2025-06-24
|
Closed with explanation
|
Yes
| null |
14269046
|
2015-04-30
|
Credit reporting
| null |
Incorrect information on credit report
|
Account status
| null |
Company chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
76049
| null | null |
Referral
|
2015-05-04
|
Closed with explanation
|
Yes
|
No
|
1355641
|
2025-03-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33351
| null |
Consent not provided
|
Web
|
2025-03-02
|
Closed with non-monetary relief
|
Yes
| null |
12274689
|
2024-09-10
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
32256
| null |
Consent not provided
|
Web
|
2024-09-10
|
Closed with non-monetary relief
|
Yes
| null |
10087746
|
2020-03-13
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null |
Company believes the complaint is the result of a misunderstanding
|
CCS Financial Services, Inc.
|
TX
|
77060
| null |
Consent not provided
|
Web
|
2020-03-13
|
Closed with explanation
|
Yes
| null |
3566041
|
2019-07-09
|
Checking or savings account
|
Savings account
|
Opening an account
|
Didn't receive terms that were advertised
| null | null |
HSBC NORTH AMERICA HOLDINGS INC.
|
TN
|
38138
| null |
Consent not provided
|
Web
|
2019-07-15
|
Closed with explanation
|
Yes
| null |
3301133
|
2022-11-20
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. XXXX is reporting late payments on several accounts : XXXX 's XXXX XXXX XXXX loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave XXXX written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30135
| null |
Consent provided
|
Web
|
2022-11-20
|
Closed with explanation
|
Yes
| null |
6226436
|
2023-10-07
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Unable to get your credit report or credit score
|
Problem getting your free annual credit report
|
Equifax.
You have my current address and documents of where I physically live you also mail my credit report but you still have BLNK ERROR on your website where I can not see my updated score or give a credit report to lenders example my annual credit report to download I've been going through this frustration for 2 months I don't know what the problem is I also send physical documents about a day ago even though you have the documents uploaded I want my credit report what is the best solution because I am very impatient it shouldn't take this long to get what I need that I rightfully deserve to have I got things to do so I could be financially ready. But you guys like to take your time and time is of the essence it's hard to get my business done in a timely manner waiting on your service, I've been having this error code on your website since XX/XX/XXXX.
XXXX XXXX XXXX
| null |
EQUIFAX, INC.
|
CA
|
95841
| null |
Consent provided
|
Web
|
2023-10-07
|
Closed with non-monetary relief
|
Yes
| null |
7660618
|
2025-08-28
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NJ
|
07052
| null | null |
Web
|
2025-08-28
|
In progress
|
Yes
| null |
15581964
|
2022-12-26
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason.
XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.
Thank you
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
RI
|
02909
| null |
Consent provided
|
Web
|
2022-12-26
|
Closed with non-monetary relief
|
Yes
| null |
6363763
|
2024-10-30
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
EQUIFAX, INC.
|
MD
|
21075
| null |
Consent not provided
|
Web
|
2024-10-30
|
Closed with non-monetary relief
|
Yes
| null |
10622304
|
2024-06-06
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TN
|
37128
| null |
Consent not provided
|
Web
|
2024-06-06
|
Closed with non-monetary relief
|
Yes
| null |
9193398
|
2025-07-31
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NC
|
28277
| null | null |
Web
|
2025-07-31
|
In progress
|
Yes
| null |
14997782
|
2017-06-21
|
Debt collection
|
Medical debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
|
I disputed the debt with the credit bureau wanting to have the debt verified but all I received was typed up letters. I have no contract with Account Resolution Services
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
HCFS Healthcare Financial Services of TeamHealth
|
SC
|
29720
| null |
Consent provided
|
Web
|
2017-06-21
|
Closed with explanation
|
Yes
| null |
2555082
|
2025-07-23
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
| null | null |
EQUIFAX, INC.
|
NY
|
11238
| null | null |
Web
|
2025-07-23
|
Closed with non-monetary relief
|
Yes
| null |
14828977
|
2015-09-11
|
Credit reporting
| null |
Incorrect information on credit report
|
Public record
|
Credit Report score was not adjusted to represent items removed from credit report. In the XXXX XXXX I had XXXX negative accounts on my credit report and a score of XXXX. This XXXX XXXX XXXX accounts were removed and my score went up to XXXX. Several of the accounts removed were charged offs and foreclosures and my score only improved XXXX points. It appears that XXXX is not taking into account the delinquency reason/severity, such as removal of charge offs and judgements, in their calculations. Also, several companies that have negative information on my credit report do not properly reported the delinquency history of the account making it difficult to dispute an account. XXXX of the accounts is XXXX XXXX XXXX, which reported the account delinquent in the year XXXX. The account was opened in the XXXX XXXX. But no History appears for that year. Experian only allows to dispute an account once. After that XXXX time dispute the company makes it very difficult to dispute items. Experian does not have a contact email to write to them directly making it difficult to contact them. Phone calls are not the best method to contact a company since there is no paper trail to connect the customer with Experian.
|
Company chooses not to provide a public response
|
Experian Information Solutions Inc.
|
CA
|
90604
| null |
Consent provided
|
Web
|
2015-09-11
|
Closed with explanation
|
Yes
|
No
|
1561354
|
2025-04-02
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
PA
|
17013
| null |
Consent not provided
|
Web
|
2025-04-02
|
Closed with explanation
|
Yes
| null |
12793153
|
2023-08-09
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
76013
| null |
Consent provided
|
Web
|
2023-08-09
|
Closed with non-monetary relief
|
Yes
| null |
7367766
|
2023-01-03
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NE
|
68133
| null |
Consent not provided
|
Web
|
2023-01-03
|
Closed with explanation
|
Yes
| null |
6392909
|
2024-03-28
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
CITIBANK, N.A.
|
OK
|
74948
| null |
Consent not provided
|
Web
|
2024-03-28
|
Closed with non-monetary relief
|
Yes
| null |
8648094
|
2022-08-09
|
Credit card or prepaid card
|
Store credit card
|
Getting a credit card
|
Application denied
|
I applied for credit card for a retail store called Brandsmart on XX/XX/2022. The bank issuing the credit card was Synchrony Bank. During the application process, they had demanded my phone number to verify my identity. I have never been asked this to verify my identity.
Although, I found it odd, I provided my phone number. I was then to receive a text message but my phone had died. They then said to submit an alternate method for verification using the bank 's website and I did.
Despite having a high credit score, I was ultimately denied and advised I would receive a letter regarding the reason for the denial. I was advised a hard pull of my credit was performed. I requested a copy of the credit report and score as is required. The bank refused to provide it to me.
The purpose of my compliant at this time is with respect to the bank 's refusal to provide me with a copy of my credit report and score that was pulled by them during the application process.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
SYNCHRONY FINANCIAL
|
FL
|
33133
| null |
Consent provided
|
Web
|
2022-08-09
|
Closed with explanation
|
Yes
| null |
5857789
|
2025-06-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
IL
|
62801
| null |
Consent not provided
|
Web
|
2025-06-14
|
Closed with explanation
|
Yes
| null |
14078448
|
2022-12-07
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; NXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
93706
| null |
Consent provided
|
Web
|
2022-12-07
|
Closed with non-monetary relief
|
Yes
| null |
6286542
|
2022-01-22
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
LVNV FUNDING LLC ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00}
| null |
Resurgent Capital Services L.P.
|
FL
|
XXXXX
| null |
Consent provided
|
Web
|
2022-01-22
|
Closed with explanation
|
Yes
| null |
5137490
|
2025-03-11
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
| null | null |
Consumer Adjustment Company Incorporated
|
GA
|
30606
| null |
Consent not provided
|
Web
|
2025-03-11
|
Closed with explanation
|
Yes
| null |
12417616
|
2024-04-04
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
IL
|
60153
| null |
Consent provided
|
Web
|
2024-04-04
|
Closed with explanation
|
Yes
| null |
8691225
|
2025-07-31
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
333XX
| null | null |
Web
|
2025-07-31
|
In progress
|
Yes
| null |
14996267
|
2025-01-11
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NC
|
28801
| null |
Consent not provided
|
Web
|
2025-01-11
|
Closed with non-monetary relief
|
Yes
| null |
11482118
|
2022-09-01
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
Things are still being reported inaccurately inquiries that I have not applied for are being reported that are not associated with me
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
94509
| null |
Consent provided
|
Web
|
2022-09-01
|
Closed with explanation
|
Yes
| null |
5935049
|
2025-01-24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
|
To whom it may concern, There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with exception of or if it is not there update it to the following information Please delete all non-mailable addresses, I demand that my DOB be furnished the correct way. Delete all information in the employer section Please delete all fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation 15 USC 1681 and all its subsections.
Please send an updated credit report once the changes are complete to my contact information listed.
Enclosed is a copy of State ID, Utility bill showing proof of address.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
33311
| null |
Consent provided
|
Web
|
2025-01-24
|
Closed with explanation
|
Yes
| null |
11771765
|
2024-06-17
|
Credit card
|
General-purpose credit card or charge card
|
Problem with a purchase shown on your statement
|
Credit card company isn't resolving a dispute about a purchase on your statement
| null | null |
GOLDMAN SACHS BANK USA
|
NY
|
11368
| null |
Consent not provided
|
Web
|
2024-06-17
|
Closed with monetary relief
|
Yes
| null |
9276862
|
2024-10-31
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
TX
|
782XX
| null |
Consent provided
|
Web
|
2024-10-31
|
Closed with explanation
|
Yes
| null |
10644258
|
2022-09-12
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Problem with personal statement of dispute
| null | null |
EQUIFAX, INC.
|
GA
|
30013
| null |
Consent not provided
|
Web
|
2022-09-12
|
Closed with explanation
|
Yes
| null |
5972341
|
2023-03-31
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
EQUIFAX, INC.
|
PA
|
19144
| null |
Consent not provided
|
Web
|
2023-03-31
|
Closed with explanation
|
Yes
| null |
6776490
|
2025-05-08
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
20774
| null |
Consent not provided
|
Web
|
2025-05-08
|
Closed with non-monetary relief
|
Yes
| null |
13406037
|
2025-04-10
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
TX
|
77433
| null |
Consent not provided
|
Web
|
2025-04-10
|
Closed with non-monetary relief
|
Yes
| null |
12914485
|
2025-08-21
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
PA
|
19130
| null | null |
Web
|
2025-08-21
|
In progress
|
Yes
| null |
15422256
|
2024-05-09
|
Credit reporting or other personal consumer reports
|
Other personal consumer report
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
DISCOVER BANK
|
MI
|
48205
| null |
Consent not provided
|
Web
|
2024-05-09
|
Closed with explanation
|
Yes
| null |
8966813
|
2024-12-29
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
XXXX XXXX is reporting an old debt that was resolved with the original creditor. They have filed litigation cases as a means to contact me. I contacted XXXX in XXXX and was advised that the debt was no longer active in their system.
XXXX XXXX is reporting the exact debt from XXXX XXXX. Both companies are reporting the same debt. I reached out to XXXX XXXX to dispute because the original creditor is still reporting the outstanding balance.
| null |
Resurgent Capital Services L.P.
|
MD
|
21215
| null |
Consent provided
|
Web
|
2024-12-29
|
Closed with explanation
|
Yes
| null |
11316543
|
2023-10-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
DC
|
20019
| null |
Consent provided
|
Web
|
2023-10-17
|
Closed with non-monetary relief
|
Yes
| null |
7710828
|
2025-04-11
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
33803
| null |
Consent not provided
|
Web
|
2025-04-11
|
Closed with explanation
|
Yes
| null |
12935741
|
2025-04-21
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
EQUIFAX, INC.
|
NJ
|
07458
| null |
Consent not provided
|
Web
|
2025-04-21
|
Closed with explanation
|
Yes
| null |
13097715
|
2024-12-24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MO
|
63101
| null |
Consent not provided
|
Web
|
2024-12-24
|
Closed with explanation
|
Yes
| null |
11255163
|
2025-07-15
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33936
| null |
Consent not provided
|
Web
|
2025-07-15
|
Closed with explanation
|
Yes
| null |
14628970
|
2024-03-13
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
78250
| null |
Consent not provided
|
Web
|
2024-03-13
|
Closed with non-monetary relief
|
Yes
| null |
8540348
|
2021-03-23
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
I rented an apartment and my lease was up in XXXX I am in the XXXX and was on XXXX orders and submitted all of this in order to move out early. After doing the move-out inspection the leasing lady said I would get letter in the mail along with a copy of the inspection form. I never received it. Once the apartment starting showing on my credit report I disputed it because I was never made aware that I would be charged and wanted proof of everything. I even tried contacting the company to settle it because after 5 years of fighting it I just wanted it removed. They refused the payment. The rep gave me the info on the website of the charges I had and the letter was not sent to my forwarding address but sent back to the address of the apartment I moved out of.
Not only are they charging me for ridiculous damages but they also are charging me for 2 months of rent when I should not have been charged at all given I have them my XXXX orders.
The account has been deleted from one report because they were unable to verify the account as accurate.
| null |
National Credit Systems,Inc.
|
TX
|
76549
|
Servicemember
|
Consent provided
|
Web
|
2021-03-23
|
Closed with explanation
|
Yes
| null |
4240638
|
2022-12-16
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
GOLDMAN SACHS BANK USA
|
FL
|
32832
| null |
Consent not provided
|
Web
|
2022-12-16
|
Closed with non-monetary relief
|
Yes
| null |
6331375
|
2025-04-15
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
Unfortunately this CFPB needs to be opened in response to XXXX XXXX for tracking. In XXXX, it was mentioned by XXXX that the below credit reporting issue would be corrected after 60 days, but it was not corrected. I have tried to get in touch with the case manager, XXXX, but I have not heard from her by email and have missed her by phone.
Did Barclays receive any error when submitting the below request, or has your dedicated XXXX representative said anything regarding this account? I have contacted XXXX, and they said that they have not received anything from Barclays, and that only the CRA ( Barclays ) would be able to inquire about this issue as it falls on the business ( not the consumer ) side. They have stated that Barclays need to get in touch with them directly to ensure that the reinsertion request has been received and processed correctly. Here is the original complaint : " The authorized user on my card ending in XXXX, XXXX XXXX, has not been reporting to XXXX ever since she was added to my account over a year ago. All other credit bureaus and authorized users are fine, and she has never been reported to XXXX ( i.e., account does not exist at all, so I can not dispute ). Barclays ' FCRA team needs to file a tradeline reinsertion request with XXXX which is a dispute on my behalf to reinsert the account into XXXX XXXX credit report. This can not come from me and I can not dispute anything as mentioned.
I contacted Barclays ' customer support team and spoke with them for over an hour, and they can not even file a case with the FCRA team either and has no idea how to rectify this. Many banks ( XXXX, XXXXXXXX XXXX ) have a dedicated credit reporting team, and it's very discouraging to see that Barclays has XXXX agents understanding or even trained on this matter. ''
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
BARCLAYS BANK DELAWARE
|
IL
|
60532
| null |
Consent provided
|
Web
|
2025-04-15
|
Closed with explanation
|
Yes
| null |
13001454
|
2025-03-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN Subject : Request for Permanent Removal of Fraudulent Account Due to Identity Theft To Whom It May Concern, I am writing to formally dispute a fraudulent account that has appeared on my credit report. I have been a victim of identity theft, and this account was opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the permanent removal of this fraudulent accounts from my credit file.
Fraudulent Account Details : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5000.00} Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX, XXXX XXXX Amount : {$0.00} COLLECTIONS : XXXX XXXX XXXX {$1100.00} OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$69.00} I have attached a copy of my FTC Identity Theft Report with listed accounts and a copy of my government-issued ID for verification.
Please conduct an immediate investigation and remove this fraudulent account permanently from my credit report. I request written confirmation once the account has been removed.
Thank you for your prompt attention to this matter. If you need any further information, please contact me at XXXX or XXXX.
Sincerely, XXXX XXXX LAST XXXX : XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
TX
|
76014
| null |
Consent provided
|
Web
|
2025-03-14
|
Closed with explanation
|
Yes
| null |
12469945
|
2025-01-07
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00} Late/Open
| null |
EQUIFAX, INC.
|
FL
|
34953
| null |
Consent provided
|
Web
|
2025-01-07
|
Closed with non-monetary relief
|
Yes
| null |
11423710
|
2024-07-24
|
Debt collection
|
I do not know
|
Written notification about debt
|
Notification didn't disclose it was an attempt to collect a debt
|
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
75081
| null |
Consent provided
|
Web
|
2024-07-24
|
Closed with non-monetary relief
|
Yes
| null |
9606596
|
2018-09-25
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
There was a Santander Consumer Auto Loan that was opened on my credit report with XXXX back on XX/XX/2010. I never opened this car loan. I believe I am a victim of identity theft.
| null |
Santander Consumer USA Holdings Inc.
|
NC
|
28152
| null |
Consent provided
|
Web
|
2018-09-25
|
Closed with non-monetary relief
|
Yes
| null |
3028732
|
2025-05-10
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
LA
|
71457
| null |
Consent not provided
|
Web
|
2025-05-10
|
Closed with non-monetary relief
|
Yes
| null |
13447113
|
2024-07-10
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
33584
| null |
Consent not provided
|
Web
|
2024-07-10
|
Closed with explanation
|
Yes
| null |
9470290
|
2022-04-22
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Unable to get your credit report or credit score
|
Other problem getting your report or credit score
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
75023
| null |
Consent not provided
|
Web
|
2022-04-22
|
Closed with non-monetary relief
|
Yes
| null |
5483403
|
2021-08-12
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I recently checked my credit report and Experian is reporting incorrect info on my report that does not belong to me. This account belongs to a family member with the same name that lives at a different address. The following account does not belong to me and needs to be removed immediately : XXXX XXXX XXXX
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30017
| null |
Consent provided
|
Web
|
2021-08-12
|
Closed with explanation
|
Yes
| null |
4623462
|
2025-02-06
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NY
|
10456
| null |
Consent not provided
|
Web
|
2025-02-06
|
Closed with explanation
|
Yes
| null |
11975938
|
2021-09-24
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
|
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CBE GROUP ( Original Creditor : XX/XX/XXXX) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Delete this collection account PRONTO.
| null |
The CBE Group, Inc.
|
PA
|
19151
| null |
Consent provided
|
Web
|
2021-10-06
|
Closed with explanation
|
Yes
| null |
4750617
|
2023-07-31
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Unable to get your credit report or credit score
|
Other problem getting your report or credit score
| null | null |
EQUIFAX, INC.
|
FL
|
33540
| null |
Consent not provided
|
Web
|
2023-07-31
|
Closed with explanation
|
Yes
| null |
7330268
|
2024-12-31
|
Credit card
|
General-purpose credit card or charge card
|
Other features, terms, or problems
|
Problem with rewards from credit card
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRUIST FINANCIAL CORPORATION
|
TN
|
37302
| null |
Consent not provided
|
Web
|
2024-12-31
|
Closed with explanation
|
Yes
| null |
11346148
|
2020-12-08
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
91604
| null |
Consent not provided
|
Web
|
2020-12-08
|
Closed with explanation
|
Yes
| null |
3997580
|
2021-01-15
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Was not notified of investigation status or results
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77640
| null |
Consent not provided
|
Web
|
2021-01-15
|
Closed with explanation
|
Yes
| null |
4070749
|
2020-08-24
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
ID
|
83716
| null |
Consent not provided
|
Web
|
2020-08-24
|
Closed with explanation
|
Yes
| null |
3810627
|
2023-10-12
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
SYNCHRONY FINANCIAL
|
FL
|
33183
| null |
Consent provided
|
Web
|
2023-10-18
|
Closed with non-monetary relief
|
Yes
| null |
7684695
|
2025-02-13
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
|
Subject : Equifaxs Failure to Provide Proof of Verification, Unlawful Re-Reporting of Disputed Items, and Non-Compliance with FCRA Summary of the Issue I am filing this formal response to Equifaxs inadequate handling of my dispute. Despite my submission of FTC Identity Theft Affidavit, Police Report, Social Security Card, Government ID, and Proof of Address, Equifax continues to report fraudulent and inaccurate information without valid proof of verification.
Additionally, Equifax has engaged in deceptive practices, including : * Failure to provide documentary proof from original creditors verifying alleged debts.
* Unlawful re-reporting of disputed items, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).
* Ignoring my identity theft claim and refusing to block fraudulent accounts in violation of FCRA 605B.
* Using third-party databases rather than verifying with original creditors, violating FCRA 1681e ( b ).
Equifaxs Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Properly
Verify Information FCRA 611 ( a ) * Equifax claims that XXXX XXXX XXXX was " verified '' but provided no evidence to support this claim.
* Case Law : Cushman v. XXXX XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ) states that credit bureaus can not solely rely on furnishersthey must independently verify the accuracy of the information.
* Request : Equifax must provide the original signed contract, billing statements, and specific proof of verification from XXXX XXXX XXXX. If they fail to provide documentation, the account must be deleted immediately per FCRA 611 ( a ) ( 5 ) ( A ).
2. Failure to Block Fraudulent Information FCRA 605B * I submitted an FTC Identity Theft Affidavit and Police Report, which legally requires Equifax to block fraudulent items within four ( 4 ) business days.
* Despite my documentation, Equifax refuses to block the following fraudulent accounts : * XXXX XXXX XXXX * XXXX XXXXXX/XX/XXXX * Request : Equifax must immediately block all fraudulent accounts and inquiries under FCRA 605B.
3. Unlawful Reinsertion of Disputed Accounts FCRA 611 ( a ) ( 5 ) ( B ) * Equifax has previously removed certain accounts, yet reinserted them without proper certification.
* FCRA 611 ( a ) ( 5 ) ( B ) requires that if an item is reinserted, Equifax must : * Notify me in writing within 5 business days.
* Certify the items accuracy with documented proof.
* Case Law : Jones v. Experian Info. Sols., Inc. , No. 1:19-cv-2143 ( N.D. Ga. 2019 ) ruled that failure to notify consumers of reinsertion violates the FCRA and subjects CRAs to legal liability.
* Request : CFPB should investigate Equifaxs unlawful re-reporting practices and issue fines for noncompliance.
4. Deceptive Investigation Practices FCRA 1681e ( b ) * Equifax has relied on third-party databases instead of obtaining original records from furnishers.
* Case Law : Collins v. Experian Info. Sols., Inc. , 775 F.3d 1330 ( 11th Cir. 2015 ) ruled that relying on unreliable third-party databases violates FCRAs accuracy standards.
* Request : Equifax must disclose whether it used a third-party vendor ( e.g., XXXX ) instead of direct verification with the original creditor.
Requested Relief from the CFPB 1. Immediate Deletion of All Unverified Accounts * XXXX XXXX XXXX and XXXX XXXX XXXX must be deleted unless Equifax can provide signed agreements, billing records, and proof of direct verification.
2. Full Compliance with FCRA 605B Fraudulent Information Must Be Blocked * I demand that Equifax immediately block all fraudulent items, as required under FCRA 605B.
3. Monetary Compensation for Equifaxs Willful Noncompliance * Under FCRA 616 and 617, I request monetary relief for : * Emotional distress, financial harm, and damage to my creditworthiness.
* Equifaxs repeated failures to comply with federal law.
4. CFPB Enforcement Action Against Equifax * The CFPB should open an enforcement investigation into Equifaxs deceptive practices and impose financial penalties for violations of consumer protection laws.
5. Require Equifax to Disclose Method of Verification ( MOV ) * CFPB should require Equifax to produce : * All documentation obtained from the furnisher ( s ).
* Contact information for the specific person ( s ) who verified the accounts.
Supporting Documentation Attached : * FTC Identity Theft Report * Police Report * Government-issued ID ( Drivers License, Social Security Card, Utility Bill ) * Previous Equifax Reports Showing Deleted Accounts Being Reinserted * Equifaxs CFPB Response Stating Items Were Verified Without Proof This is a formal request for immediate CFPB intervention due to Equifaxs ongoing violations. I expect prompt action to correct these violations, and if necessary, I am prepared to escalate this matter through legal channels.
Sincerely, XXXX XXXX
| null |
EQUIFAX, INC.
|
MI
|
482XX
| null |
Consent provided
|
Web
|
2025-02-21
|
Closed with non-monetary relief
|
Yes
| null |
12051010
|
2023-09-28
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
| null | null |
EQUIFAX, INC.
|
FL
|
33033
| null |
Other
|
Web
|
2023-09-28
|
Closed with non-monetary relief
|
Yes
| null |
7625923
|
2024-10-26
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
Experian Information Solutions Inc.
|
FL
|
33311
| null |
Consent not provided
|
Web
|
2024-10-26
|
Closed with explanation
|
Yes
| null |
10587754
|
2024-03-27
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Unable to get your credit report or credit score
|
Other problem getting your report or credit score
|
Cadence bank uses XXXX XXXX score. Neither XXXX, XXXX, XXXX, nor XXXX will provide a XXXX XXXX Score. The bank refuses to give me copy of the XXXX XXXX score saying it is illegal for them to provide me a copy of this report showing this score. Decisions are being made about my access to credit, while simultaneously being denied access to this very information. Most customer service personnel at this bank or at ANY of the credit bureaus DO NOT even know or understand what " XXXX XXXX '' is.
| null |
CADENCE BANK
|
AR
|
72205
| null |
Consent provided
|
Web
|
2024-03-27
|
Closed with explanation
|
Yes
| null |
8641106
|
2025-06-06
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
FL
|
33605
| null |
Consent not provided
|
Web
|
2025-06-06
|
Closed with explanation
|
Yes
| null |
13937718
|
2025-06-24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
To Whom It May Concern, I am filing this formal complaint against TransUnion for failing to properly investigate and delete multiple inaccurate, unverifiable, and misleading entries on my credit report, despite multiple dispute attempts. This is my 5th round of disputes, and I have yet to receive a single resolution, correction, or deletion. These actions violate the Fair Credit Reporting Act ( FCRA ) and have severely impacted my credit profile and financial well-being.
Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Repeatedly reported late payments without valid verification or supporting documentation.
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off reported without providing validation or evidence of debt.
Violation : FCRA 611 & 609 ( a ) ( 1 ) Lack of verification and failure to respond to disputes.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charged-off debt continues to be reported without proper reinvestigation.
Violation : FCRA 623 ( b ) Failure to conduct a reasonable reinvestigation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate reporting with inconsistencies between different versions of my credit report.
Violation : FCRA 607 ( b ) Inconsistent and unverifiable reporting.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : No documentation was ever provided despite multiple requests for verification.
Violation : FCRA 609 ( a ) ( 1 ) No proof of account ownership or validity provided.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I do not recognize this account. No communication or billing statements were ever sent to me.
Violation : Potential identity theft and FCRA 602A Inaccurate personal information reported.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-off remains on my file after multiple failed attempts to validate.
Violation : FCRA 611 & 609 ( a ) No reinvestigation results or supporting evidence provided.
Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and were made without permissible purpose.
Violation : FCRA 604 ( a ) ( 3 ) Accessing credit reports without consent or valid reason.
Summary of Issue : TransUnion has failed to comply with its legal obligations under the FCRA by : Continuing to report accounts that have not been verified.
Failing to conduct proper reinvestigations.
Refusing to remove clearly unauthorized hard inquiries.
Ignoring repeated dispute submissions over several months.
Resolution Sought : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to : Investigate TransUnions failu
re to comply with FCRA regulations.
Direct TransUnion to remove all disputed accounts and unauthorized inquiries listed above.
Hold TransUnion accountable for their ongoing negligence and noncompliance.
If no resolution is achieved through this complaint, I will escalate this matter further by filing with the FTC and State Attorney General.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
30339
| null |
Consent provided
|
Web
|
2025-06-24
|
Closed with non-monetary relief
|
Yes
| null |
14249479
|
2025-01-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
31217
| null |
Consent not provided
|
Web
|
2025-01-17
|
Closed with non-monetary relief
|
Yes
| null |
11654363
|
2022-11-23
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Collection Professionals, Inc.
|
TX
|
76028
| null |
Consent not provided
|
Web
|
2022-11-23
|
Closed with explanation
|
Yes
| null |
6235969
|
2025-07-05
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NY
|
10468
| null |
Other
|
Web
|
2025-07-05
|
Closed with explanation
|
Yes
| null |
14481881
|
2024-11-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
PA
|
17057
| null |
Consent not provided
|
Web
|
2024-11-01
|
Closed with non-monetary relief
|
Yes
| null |
10654665
|
2025-05-08
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
PA
|
18202
| null |
Consent not provided
|
Web
|
2025-05-08
|
Closed with explanation
|
Yes
| null |
13415501
|
2023-01-12
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30349
| null |
Consent not provided
|
Web
|
2023-01-12
|
Closed with explanation
|
Yes
| null |
6432480
|
2024-08-28
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
OR
|
97213
| null |
Consent provided
|
Web
|
2024-08-28
|
Closed with non-monetary relief
|
Yes
| null |
9943212
|
2025-02-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
34711
| null |
Consent not provided
|
Web
|
2025-02-21
|
Closed with explanation
|
Yes
| null |
12084822
|
2024-10-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
342XX
| null |
Consent provided
|
Web
|
2024-10-01
|
Closed with non-monetary relief
|
Yes
| null |
10305546
|
2023-05-11
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NC
|
285XX
|
Servicemember
|
Consent provided
|
Web
|
2023-05-11
|
Closed with non-monetary relief
|
Yes
| null |
6958996
|
2025-05-29
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
RI
|
02905
| null |
Consent provided
|
Web
|
2025-05-29
|
Closed with non-monetary relief
|
Yes
| null |
13784258
|
2025-01-24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
| null |
EQUIFAX, INC.
|
FL
|
33125
| null |
Consent provided
|
Web
|
2025-01-24
|
Closed with non-monetary relief
|
Yes
| null |
11751869
|
2023-05-01
|
Vehicle loan or lease
|
Loan
|
Managing the loan or lease
|
Problem with fees charged
| null |
Company believes it acted appropriately as authorized by contract or law
|
NAVY FEDERAL CREDIT UNION
|
FL
|
33030
|
Servicemember
| null |
Phone
|
2023-05-01
|
Closed with explanation
|
Yes
| null |
6911946
|
2024-06-12
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30228
| null |
Consent not provided
|
Web
|
2024-06-12
|
Closed with explanation
|
Yes
| null |
9239284
|
2018-06-06
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
20850
| null |
Consent not provided
|
Web
|
2018-06-07
|
Closed with non-monetary relief
|
Yes
| null |
2928581
|
2024-02-11
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
| null |
EQUIFAX, INC.
|
PA
|
19023
| null |
Consent provided
|
Web
|
2024-02-11
|
Closed with non-monetary relief
|
Yes
| null |
8325980
|
2024-04-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
79912
| null |
Other
|
Web
|
2024-04-18
|
Closed with non-monetary relief
|
Yes
| null |
8794611
|
2017-12-04
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
Ocwen Financial Corporation
|
NM
|
87121
| null |
Other
|
Web
|
2017-12-04
|
Closed with explanation
|
Yes
| null |
2745707
|
2024-12-17
|
Checking or savings account
|
Savings account
|
Closing an account
|
Funds not received from closed account
|
Account was closed for non activity ( even though I had sent faxes and letters to head office to reactivate account on several occasions ( but nothing was done ) over a long period of time ).
The monies were apparently surrendered to the the state ( unclaimed properties dept ), but they have no records for my account.
The bank no longer has any information on my file and can not access it.
The bank was also charging me a XXXX $ XXXX per month charge for a couple of years for an inactive account but never reactivated account even though letters were faxed and sent by mail to reactivate account.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
CITIBANK, N.A.
| null |
XXXXX
| null |
Consent provided
|
Web
|
2024-12-17
|
Closed with non-monetary relief
|
Yes
| null |
11186780
|
2020-01-19
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Problem with personal statement of dispute
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TN
|
38128
| null |
Consent not provided
|
Web
|
2020-01-19
|
Closed with non-monetary relief
|
Yes
| null |
3502158
|
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