if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly

924 consumer complaints filed with the CFPB

This page summarizes consumer complaints about if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly products filed with the CFPB. 924 complaints have been filed across 12 companies. The most commonly reported issue is "of such dispute".

924
Total Complaints
12
Companies
of such dispute
Top Issue

Companies with Most if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly Complaints

# Company Complaints
1 or delete the item from the file in accordance with paragraph ( 5 ) 792
2 or delete the item from the file in accordance with paragraph ( XXXX ) 119
3 or delete the item from the file. 2
4 or DELETE the item from the file in accordance with paragraph ( 5 ) 2
5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 2
6 before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 1
7 or DELETE the item from the file in accordance with paragraph ( XXXX ) 1
8 or delete the item from the file in accordance with paragraph- Procedure in case of disputed accuracy. Experian stated in CFPB Complaint Number XXXX-Response stated that no accounts existed on my Consumer Report. Experian did not provide a complete investigation of claim because as of XXXX XXXX accounts Experian accounts are being furnished. I have mailed Experian a copy of report and attached a tracking number to ensure Experian has knowledge of violation,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,342XX,,Consent provided,Web,2022-04-30,Closed with explanation,Yes,N/A,5521245 1
9 or delete the item from the file. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If 1
10 or delete the item from the file in accordance with paragraph This is US code 15 - section 1681 Experian refused on multiple occasions to reinvestigate 4 hard inquiries 1
11 or delete the item from the file in accordance with paragraph I asked for a re-investigation of the 4 hard inquiries above 1
12 before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly

924 consumer complaints have been filed with the CFPB under the "if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly" product category, naming 12 distinct companies as the respondent. Product-level complaint counts are one of the most direct signals of where consumer friction is concentrated in the U.S. financial system — the CFPB routes each filing to the specific regulatory framework that governs its product class, so the volume here reflects real intake into federal and state consumer-protection channels, not casual survey sentiment.

Within if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the single most common underlying consumer complaint is "of such dispute". Issue concentration inside a product category is often more diagnostic than headline volume: when one issue dominates filings, it usually points to a recurring servicing, billing, reporting, or collection pattern that touches many providers at once. The table above ranks individual companies by filing volume within this product line and includes their timely-response rate and the share of cases closed with relief — two operational metrics that help separate firms handling complaint intake smoothly from those where resolutions stall or get disputed.

Complaint volume scales with market share — the largest issuers and servicers in a category will naturally generate more filings than smaller peers even at identical complaint rates per customer. A complaint on record is a consumer allegation, not a proven violation, and a company's presence here does not imply it broke any law. Use this page to understand the contour of consumer concerns around if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, then drill into specific companies and cross-check against the CFPB Consumer Complaint Database. This page is informational only and is not financial, legal, or regulatory advice.

Data source: CFPB Consumer Complaint Database. Product categories are defined by the CFPB. Complaint counts reflect consumer-reported data and do not imply wrongdoing by any company.

Read our methodology — how this data is sourced, computed, and verified.

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