{"took":135,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1843,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21567649","_score":25.779865,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint as a follow-up to a prior dispute regarding late payment reporting on my Citi account ending in XXXX. \n\nCiti responded stating that the late payments were reported accurately and provided copies of billing statements. However, their response does not include sufficient documentation to support the accuracy of the reported late payments. \n\nWhile Citi provided statements showing due dates and payment posting dates, they did not provide : Documentation showing when the billing statements were actually delivered or made available to me Proof that I received notice of the statements at leastXX/XX/XXXX days prior to the payment due dates Evidence of the timing or method of electronic delivery while I was enrolled in paperless billing Any confirmation that I accessed or was properly notified of the statements in a timely manner Simply providing copies of billing statements does not establish that proper notice was given or that billing cycle requirements were met. \n\nAs this account was enrolled in paperless billing, the burden remains on the creditor to demonstrate that statements were delivered or made available in a timely manner that allowed for compliance with payment due dates. \n\nAt this time, the late payment reporting has not been properly substantiated with sufficient documentation. \n\nRequested Resolution I am requesting that Citi : Provide documentation demonstrating compliance with billing statement delivery requirements, including the timing and method of delivery Provide evidence that notice was given in sufficient time prior to each due date Correct or remove the reported late payments from all credit reporting agencies if such documentation can not be produced Additional Information This dispute concerns late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. \n\nXXXX response relied on the existence of statements and due dates but did not provide evidence of timely delivery or notification, which is necessary to validate the accuracy of the reporting. \n\nXXXX without supporting documentation does not meet the standard required for accurate credit reporting.","date_sent_to_company":"2026-04-24T15:28:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"General-purpose credit card or charge card","zip_code":"45238","tags":null,"has_narrative":true,"complaint_id":"21567649","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-24T15:21:24.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I am submitting this complaint as a follow-up to a prior <em>dispute</em> regarding late <em>payment</em> reporting on my Citi account ending in XXXX. \n\nCiti responded stating that the late <em>payments</em> were reported <em>accurately</em> and provided copies of <em>billing</em> <em>statements</em>. However, their <em>response</em> does not include sufficient documentation to support the accuracy of the reported late <em>payments</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"],"sub_issue":["Problem with personal <em>statement</em> of <em>dispute</em>"]},"sort":[25.779865,"21567649"]},{"_index":"complaint-public-v1","_id":"10795930","_score":22.992514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX  days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T20:35:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795930","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-14T20:35:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous <em>disputes</em> regarding the failure of your company to send my <em>billing</em> <em>statements</em> in a <em>timely</em> manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[22.992514,"10795930"]},{"_index":"complaint-public-v1","_id":"10795047","_score":22.992514,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.\n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties.\n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).\n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines.\n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.\n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795047","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-14T21:18:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous <em>disputes</em> regarding the failure of your company to send my <em>billing</em> <em>statements</em> in a <em>timely</em> manner, in violation of the Fair Credit <em>Billing</em> Act ( FCBA ), specifically 15 U.S. Code 1666b."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[22.992514,"10795047"]},{"_index":"complaint-public-v1","_id":"10796236","_score":22.987385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX  days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T20:35:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10796236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fig Tech Inc.","date_received":"2024-11-14T20:02:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous <em>disputes</em> regarding the failure of your company to send my <em>billing</em> <em>statements</em> in a <em>timely</em> manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."]},"sort":[22.987385,"10796236"]},{"_index":"complaint-public-v1","_id":"10795922","_score":22.987385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX  days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-11-14T20:39:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous <em>disputes</em> regarding the failure of your company to send my <em>billing</em> <em>statements</em> in a <em>timely</em> manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."]},"sort":[22.987385,"10795922"]},{"_index":"complaint-public-v1","_id":"10795493","_score":22.987385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( XXXX ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the XXXX. \n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least XXXX days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ). \n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with XXXX guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least XXXX  days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the XXXX, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate. \n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T20:35:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-14T20:35:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous <em>disputes</em> regarding the failure of your company to send my <em>billing</em> <em>statements</em> in a <em>timely</em> manner, in violation of the Fair Credit <em>Billing</em> Act ( XXXX ), specifically 15 U.S. Code 1666b."]},"sort":[22.987385,"10795493"]},{"_index":"complaint-public-v1","_id":"10795048","_score":22.987385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on previous disputes regarding the failure of your company to send my billing statements in a timely manner, in violation of the Fair Credit Billing Act ( FCBA ), specifically 15 U.S. Code 1666b. Despite my earlier attempts to resolve this issue with your company, it appears that my previous disputes were either not properly investigated or not adequately addressed, as I have still not received billing statements in a manner that complies with the legal requirements of the FCBA.\n\nAs you are aware, under 15 U.S. Code 1666b, creditors are required to send billing statements at least 21 days before the due date. However, I have experienced multiple instances where my billing statements were not sent promptly, either electronically or by mail, as required by law. This failure has directly affected my ability to make timely payments and has resulted in unwarranted late fees and penalties. \n\nDespite my previous correspondence with your company regarding this issue, I have not received a satisfactory resolution or response. I am once again formally disputing this matter and requesting that you take the following actions : Conduct a thorough investigation into my prior disputes and provide a full explanation of why the billing statements were not sent on time, including the dates and methods of delivery ( or lack thereof ).\n\nProvide documentation of any prior communications or records showing that my billing statements were sent or made available to me in compliance with FCBA guidelines. \n\nCorrect my account by removing any late fees, penalties, or negative marks that were assessed as a result of this failure to send billing statements promptly. \n\nEnsure compliance with the Fair Credit Billing Act moving forward by promptly sending all future billing statements at least 21 days before the due date, as required by law. \n\nThis issue has been ongoing for far too long, and I expect immediate action on your part. As stipulated by the FCBA, you are required to resolve disputes in a timely and accurate manner. Failure to properly investigate and resolve this matter has left me no choice but to escalate the issue, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and possibly the Federal Trade Commission ( FTC ), and/or pursuing legal action as appropriate.\n\nPlease acknowledge receipt of this letter and provide a immediate response, as required by the Fair Credit Billing Act. I trust you will take prompt and appropriate action to resolve this issue.","date_sent_to_company":"2024-11-14T21:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77583","tags":null,"has_narrative":true,"complaint_id":"10795048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-14T21:18:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am writing to follow up on previous <em>disputes</em> regarding the failure of your company to send my <em>billing</em> <em>statements</em> in a <em>timely</em> manner, in violation of the Fair Credit <em>Billing</em> Act ( FCBA ), specifically 15 U.S. Code 1666b."]},"sort":[22.987385,"10795048"]},{"_index":"complaint-public-v1","_id":"7506032","_score":22.405388,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/2023 I made a payment to my credit card in the amount of {$19000.00} which was reflected on my XXXX billing statement. No updates were made to the credit bureaus so I filed disputes with XXXX and XXXX regarding the balance amount as it was still showing that I owed {$20000.00}. \n\nOn XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was correct and that my dispute was closed. \n\nOn XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was accurate despite me uploading a copy of my most recent XX/XX/2023 bank statement showing the accurate amount. \n\nBy the looks of my reports, it doesn't appear RBFCU has provided an update to these two bureaus since XX/XX/2023, which is concerning considering that XXXX is showing correct information. Due to RBFCU 's failure to update credit bureaus in a timely manner, has caused undue hardship in trying to secure alternate financing, and as a long-term member, I can not understand why something this simple has become an ongoing issue.\n\nAbout a week ago I wrote in and asked this question and received a response ( that's not been removed from my account ) asking me to call in based on my question. I called member services on XX/XX/2023 and waited o ver 20 minutes to be transferred to the credit department only to be told they couldn't help me and that I could email their credit disputes email address for assistance. I simply would just like my information accurately reported in a timely manner just as it has always been on a monthly basis. I am not understanding why this time is different.","date_sent_to_company":"2023-09-06T14:53:28.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"78628","tags":"Servicemember","has_narrative":true,"complaint_id":"7506032","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RANDOLPH-BROOKS FEDERAL CREDIT UNION","date_received":"2023-09-06T14:26:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["On XX/XX/2023 I made a <em>payment</em> to my credit card in the amount of {$19000.00} which was reflected on my XXXX <em>billing</em> <em>statement</em>. No updates were made to the credit bureaus so I filed <em>disputes</em> with XXXX and XXXX regarding the balance amount as it was still showing that I owed {$20000.00}. \n\nOn XX/XX/2023 - I received a <em>response</em> from XXXX that stated RBFCU confirmed that the balance was <em>correct</em> and that my <em>dispute</em> was closed."]},"sort":[22.405388,"7506032"]},{"_index":"complaint-public-v1","_id":"13671831","_score":21.963737,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the reporting of late payments on my XXXX XXXX XXXX XXXX account, Account Number : XXXX, as reflected in my recent credit report. \n\nAccording to the report, there are entries indicating late payments on this account. I want to state clearly that I have always made my payments on time and in accordance with the agreed terms. This account has consistently been in good standing, and at no point have I defaulted or failed to meet my payment obligations. \n\nAs Consumer Reporting Agencies are entrusted with the accurate reporting of financial information, I respectfully request a full investigation into this matter. If these late payments are being reported in error, I urge you to correct the account status to reflect on-time payments and ensure that my credit history accurately represents my financial responsibility. \n\nShould you believe these late payments are valid, I request that you provide detailed documentationsuch as billing statements or payment historydemonstrating the dates and nature of these alleged delinquencies. \n\nIf you can not verify these late payment claims, I demand that the inaccurate entries be promptly removed and that my account be updated to show a consistent history of timely payments. \n\nThank you for your attention to this matter. I look forward to your timely response and a resolution to this issue.","date_sent_to_company":"2025-05-23T01:03:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"13671831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-23T01:03:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to your <em>timely</em> <em>response</em> and a resolution to this issue."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.963737,"13671831"]},{"_index":"complaint-public-v1","_id":"13671793","_score":21.916466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the reporting of late payments on my XXXX XXXX XXXX XXXX account, Account Number : XXXX, as reflected in my recent credit report. \n\nAccording to the report, there are entries indicating late payments on this account. I want to state clearly that I have always made my payments on time and in accordance with the agreed terms. This account has consistently been in good standing, and at no point have I defaulted or failed to meet my payment obligations. \n\nAs Consumer Reporting Agencies are entrusted with the accurate reporting of financial information, I respectfully request a full investigation into this matter. If these late payments are being reported in error, I urge you to correct the account status to reflect on-time payments and ensure that my credit history accurately represents my financial responsibility. \n\nShould you believe these late payments are valid, I request that you provide detailed documentationsuch as billing statements or payment historydemonstrating the dates and nature of these alleged delinquencies. \n\nIf you can not verify these late payment claims, I demand that the inaccurate entries be promptly removed and that my account be updated to show a consistent history of timely payments. \n\nThank you for your attention to this matter. I look forward to your timely response and a resolution to this issue.","date_sent_to_company":"2025-05-23T01:03:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"13671793","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-23T00:35:51.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to your <em>timely</em> <em>response</em> and a resolution to this issue."]},"sort":[21.916466,"13671793"]},{"_index":"complaint-public-v1","_id":"13670438","_score":21.916466,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the reporting of late payments on my XXXX XXXX XXXX XXXX account, Account Number : XXXX, as reflected in my recent credit report. \n\nAccording to the report, there are entries indicating late payments on this account. I want to state clearly that I have always made my payments on time and in accordance with the agreed terms. This account has consistently been in good standing, and at no point have I defaulted or failed to meet my payment obligations. \n\nAs Consumer Reporting Agencies are entrusted with the accurate reporting of financial information, I respectfully request a full investigation into this matter. If these late payments are being reported in error, I urge you to correct the account status to reflect on-time payments and ensure that my credit history accurately represents my financial responsibility. \n\nShould you believe these late payments are valid, I request that you provide detailed documentationsuch as billing statements or payment historydemonstrating the dates and nature of these alleged delinquencies. \n\nIf you can not verify these late payment claims, I demand that the inaccurate entries be promptly removed and that my account be updated to show a consistent history of timely payments. \n\nThank you for your attention to this matter. I look forward to your timely response and a resolution to this issue.","date_sent_to_company":"2025-05-23T01:03:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19143","tags":null,"has_narrative":true,"complaint_id":"13670438","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-23T01:03:18.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I look forward to your <em>timely</em> <em>response</em> and a resolution to this issue."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.916466,"13670438"]},{"_index":"complaint-public-v1","_id":"14333608","_score":21.740845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : XXXX. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. \no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. \nXXXX. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting. \no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction. \no XXXX date, no effective action has been taken to correct these errors. \nXXXX. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-27T21:33:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75041","tags":null,"has_narrative":true,"complaint_id":"14333608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-27T21:23:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms. \nXXXX. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.740845,"14333608"]},{"_index":"complaint-public-v1","_id":"14332165","_score":21.740845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : XXXX. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. \no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. \nXXXX. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting. \no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction. \no XXXX date, no effective action has been taken to correct these errors. \nXXXX. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-27T21:33:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75041","tags":null,"has_narrative":true,"complaint_id":"14332165","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-27T21:32:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms. \nXXXX. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.740845,"14332165"]},{"_index":"complaint-public-v1","_id":"14237572","_score":21.740845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by TransUnion Consumer Solutions. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. \no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with TransUnion Consumer Solutions, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-24T00:15:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"14237572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-24T00:14:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.740845,"14237572"]},{"_index":"complaint-public-v1","_id":"14206984","_score":21.740845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX XXXX  XXXX with account number XXXX, which do not accurately reflect my payment history.\n\nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-20T14:41:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10033","tags":null,"has_narrative":true,"complaint_id":"14206984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-20T14:40:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.740845,"14206984"]},{"_index":"complaint-public-v1","_id":"13990705","_score":21.740845,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-11T00:56:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76009","tags":null,"has_narrative":true,"complaint_id":"13990705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-11T00:50:39.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.740845,"13990705"]},{"_index":"complaint-public-v1","_id":"14330861","_score":21.732983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Experian Information Solutions Inc. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : XXXX. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. \no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. \n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Experian Information Solutions Inc, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/25 under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-27T21:16:55.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75041","tags":null,"has_narrative":true,"complaint_id":"14330861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-27T21:16:28.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms. \n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.732983,"14330861"]},{"_index":"complaint-public-v1","_id":"14237853","_score":21.732983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-24T00:20:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"750XX","tags":null,"has_narrative":true,"complaint_id":"14237853","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-24T00:15:11.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.732983,"14237853"]},{"_index":"complaint-public-v1","_id":"14147616","_score":21.732983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX XXXX XXXX with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. \no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. \n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made. \no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement. \no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting. \no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected. \n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction. \no To date, no effective action has been taken to correct these errors. \n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-18T21:58:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"281XX","tags":null,"has_narrative":true,"complaint_id":"14147616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-18T21:58:34.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms. \n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made. \no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.732983,"14147616"]},{"_index":"complaint-public-v1","_id":"14005877","_score":21.732983,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by TransUnion Consumer Solutions. My credit report contains inaccurate late payment notations for the account XXXX with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement. \no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with TransUnion Consumer Solutions, sending multiple letters requesting a correction. \no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/25 under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-11T00:50:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76009","tags":null,"has_narrative":true,"complaint_id":"14005877","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-11T00:44:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.732983,"14005877"]},{"_index":"complaint-public-v1","_id":"17550605","_score":21.726625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by TransUnion Consumer Solutions. My credit report contains inaccurate late payment notations for the account XXXX XXXX with account number XXXX which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with TransUnion Consumer Solutions, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-11-27T17:55:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75252","tags":null,"has_narrative":true,"complaint_id":"17550605","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-27T17:55:25.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.726625,"17550605"]},{"_index":"complaint-public-v1","_id":"14206987","_score":21.726625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX XXXX  XXXX with account number XXXX, which do not accurately reflect my payment history.\n\nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-20T14:41:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10033","tags":null,"has_narrative":true,"complaint_id":"14206987","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-20T14:34:58.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.726625,"14206987"]},{"_index":"complaint-public-v1","_id":"14206978","_score":21.726625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Equifax Information Services LLC. My credit report contains inaccurate late payment notations for the account XXXX XXXX  XXXX with account number XXXX, which do not accurately reflect my payment history.\n\nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Equifax Information Services LLC, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-20T14:41:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"10033","tags":null,"has_narrative":true,"complaint_id":"14206978","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-20T14:40:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."]},"sort":[21.726625,"14206978"]},{"_index":"complaint-public-v1","_id":"14147411","_score":21.726625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by Experian Information Solutions Inc. My credit report contains inaccurate late payment notations for the account XXXX XXXX XXXXXXXX with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with Experian Information Solutions Inc, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XXXX/XXXX/25 under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-18T21:40:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"281XX","tags":null,"has_narrative":true,"complaint_id":"14147411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-18T21:39:47.000Z","state":"NC","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":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.726625,"14147411"]},{"_index":"complaint-public-v1","_id":"14006203","_score":21.726625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal dispute regarding incorrect information on my credit report provided by TransUnion Consumer Solutions. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. \nIssue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.\n\no However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.\n\no Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.\n\no Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.\n\n3. Previous Attempts to Resolve : o I have disputed this directly with TransUnion Consumer Solutions, sending multiple letters requesting a correction.\n\no To date, no effective action has been taken to correct these errors.\n\n4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. \no The failure to properly investigate and correct my dispute violates federal consumer protection laws.","date_sent_to_company":"2025-06-11T00:22:40.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76009","tags":null,"has_narrative":true,"complaint_id":"14006203","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-11T00:15:46.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["o However, the incorrect late <em>payment</em> notations have lowered my credit score, limiting my ability to obtain fair financial terms.\n\n2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be <em>accurate</em> and complete. I <em>disputed</em> this error, but no correction has been made.\n\no Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide <em>accurate</em> and <em>timely</em> <em>billing</em> <em>statements</em>."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to provide a public <em>response</em>"]},"sort":[21.726625,"14006203"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1843,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1843}]}},"product":{"doc_count":1843,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1756,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1755},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, 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