{"took":1109,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":447,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10937961","_score":20.673132,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is my third dispute attempt to remove, delete, block this Bankruptcy from my credit report. XXXX has already complied and removed the Bankruptcy date filed XX/XX/year>. XXXX and Experian has refused to remove the Bankruptcy after I have provided the laws protecting me as a consumer by the FCRA stating why the Bankruptcy should be removed. XXXX and XXXX are in violation of the law and also violating my rights according to the guidelines provided by the FCRA, I also contacted the Court which filed the Bankruptcy asking If any information or documents were submitted or released to any Creditor, Credit Bureau, Third party, and their response was NO..!! I have attached a copy of this letter with a copy of my third Dispute Letter, Copy of my Drivers license, and current utility bill.. XXXX and XXXX do not have my authorization, my signature, consent or any proof the court has provided this Bankruptcy to them. I have also informed XXXX and Experian that if the Bankruptcy is not removed, blocked, deleted from my credit report, I will find legal counsel from a attorney.","date_sent_to_company":"2024-11-26T15:13:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"10937961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-26T14:21:42.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This is my third dispute attempt to remove, delete, block this <em>Bankruptcy</em> from my credit report. XXXX has already complied and removed the <em>Bankruptcy</em> date filed XX/XX/year>. XXXX and Experian has refused to remove the <em>Bankruptcy</em> <em>after</em> I <em>have</em> <em>provided</em> the <em>laws</em> <em>protecting</em> me as a <em>consumer</em> by the FCRA stating why the <em>Bankruptcy</em> should be removed."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[20.673132,"10937961"]},{"_index":"complaint-public-v1","_id":"3253631","_score":18.827858,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently called lexinexis and they told me that there was no bankruptcy. I have a copy of the letter providing proof they gave me inaccurate information. So after disputing with the credit bureaus and sending them my letter with no bankruptcy found. The credit bureaus kept saying that the bankruptcy is being reported accurate. Please ensure that they abide by the consumer laws thats in place to protect us. \n\nI called lexisnexis yesterday day XX/XX/2019 and one of their staff members said that the credit bureaus were able to pull records from my unverified public records from their company? third party I wan na know how is this possible and why are they illegally allowing credit bureaus to pull this information? Please have them remove this public record from being accessible to the credit bureaus. In this letter I have provided physical proof from the Michigan u.s bankruptcy court stating that they do not report to any credit agencys. I demand that my FCRA consumer rights be exercise correctly.","date_sent_to_company":"2019-05-25T14:50:04.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48076","tags":null,"has_narrative":true,"complaint_id":"3253631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2019-05-25T14:27:46.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently called lexinexis and they told me that there was no <em>bankruptcy</em>. I <em>have</em> a copy of the letter providing proof they gave me inaccurate information. So <em>after</em> disputing with the credit bureaus and sending them my letter with no <em>bankruptcy</em> found. The credit bureaus kept saying that the <em>bankruptcy</em> is being reported accurate. Please ensure that they abide by the <em>consumer</em> <em>laws</em> thats in place to <em>protect</em> us."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[18.827858,"3253631"]},{"_index":"complaint-public-v1","_id":"7947942","_score":17.163937,"_source":{"product":"Mortgage","complaint_what_happened":"I am writing to file a complaint against CHN Housing Partners, also known as XXXX XXXX XXXX, regarding the mishandling of my original closing documents, misrepresentation of housing assistance programs, mishandling of a bankruptcy discharge, and misguidance during the XXXX foreclosure prevention. These issues caused a violation of consumer protection laws and bankruptcy laws in XXXX after mishandled documents, wrongful foreclosure, and eviction against my rights caused undue hardship and homelessness for me during the COVID-19 foreclosure moratorium. \n\nThe CHN agency connected to the lender and mortgage servicer caused me to lose my home. Their connection makes them liable for their willful consumer protection laws and violations of the discharge injunction see Rogerson v. Shaw ( In re Shaw ). \nXXXX points are the bankruptcy and crisis ( COVID-19 and foreclosure prevention ) funding that should have protected my right to property after the discharged debt court order prohibits debt collection. I believe the following information from my experience will explain the issues that have affected me as well as many people : 1. Firstly, I want to address the violated bankruptcy discharge orders in XXXX  and XXXX. The court ruling, I completed the bankruptcy process, which protected my right to keep the home that I lived in for an estimated 21 years and obtained title insurance for my property and warranty deed through CHN Housing Partner during closing on or about XX/XX/XXXX. I kindly request written confirmation that verifies the validity of my title insurance policy, ensuring the protection and security of my homeownership rights. \n\n2. I can also prove I was not delinquent with the mortgage during bankruptcy discharge that holding standing to prove my right denied and credit discrimination. \n\n3. I hold a title insurance policy that protects me in the event of any defects in the title and a warranty deed that serves as a legal document confirming my ownership of the property. These documents were signed and agreed upon in the XXXX closing at CHN Agency. \n\n4. In XXXX, I purchased a house through the XXXX of XXXX XXXX program and attended a one-year homeownership class before purchasing the home in XXXX. CHN Housing Partners is responsible for handling the closing documents that prove title insurance, warranty deed, and advance funds from the approval XXXXXXXX XXXX XXXX application for residential home loans for government funding. \n\n5. The organization also misrepresented the XXXX  housing assistance programs for the prevention of foreclosure and the bankruptcy discharge order, which ultimately led to the loss of my house during foreclosure and wrongful eviction. \n\n6. XXXX, I followed their directions after providing bankruptcy documents to their agency XXXX New loan prevention program XXXX XXXX XXXX closing procedure instructed me \" not to pay '' as they modified the new loan that should have voided the first and second mortgage, which led to a wrongful foreclosure and wrongful eviction. I later discovered that their lender and mortgage services forged original documents used during the closing process at the agency to work together and take my assets and home due to their program. Additionally, they denied helping with COVID-19 eviction during a time of crisis. \n\n7. XXXX, I must address the failure to receive adequate assistance in relation to the ongoing COVID-19 situation. Despite my eligibility and approval for relief, assistance was not provided as promised. \n\nTo provide some context, I have recently been through a bankruptcy process and have pending cause for reopening a case for violation of bankruptcy code, state, and other federal laws, which has merits after I received successfully discharges that included property purchase through CHN Partner organization and cleared for collection and litigation. As a result of this situation, I can provide evidence of my merits in having title insurance that holds protection and a warranty deed and bankruptcy court discharge order. \n\nI need a stable place to live, and I have found CHN Housing Partner 's programs to be an excellent opportunity for home ownership and assistant housing as they market to the public on their website. \nIn terms of moving forward, I have decided to take my case to federal court to seek additional help and support. I believe that by providing truthful and factual information about my circumstances. I can further strengthen my case and ensure my rights are protected. I am committed to pursuing the truth and sharing all relevant facts to present a strong and compelling argument. \n\nI urge the Consumer Protection Agency to investigate this matter thoroughly and take appropriate action to hold CHN Housing Partners accountable for their actions. \n\nSincerely, XXXX","date_sent_to_company":"2023-12-04T20:24:00.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"441XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7947942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CHN Housing Partners","date_received":"2023-12-04T18:06:21.000Z","state":"OH","company_public_response":"Company believes complaint caused principally by actions of third party outside the control or direction of the company","sub_issue":"Lien release"},"highlight":{"complaint_what_happened":["Despite my eligibility and approval for relief, assistance was not <em>provided</em> as promised. \n\nTo provide some context, I <em>have</em> recently been through a <em>bankruptcy</em> process and <em>have</em> pending cause for reopening a case for violation of <em>bankruptcy</em> code, state, and other federal <em>laws</em>, which has merits <em>after</em> I received successfully discharges that included property purchase through CHN Partner organization and cleared for collection and litigation."]},"sort":[17.163937,"7947942"]},{"_index":"complaint-public-v1","_id":"3619524","_score":17.119347,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX : XX/XX/2019 I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately. \n\nXX/XX/2019 : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX   XXXX XXXX ( note I was involved in the XXXX  and XXXX XXXX data breach which exposed my information to criminals ) -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 I FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. \n\nI have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. \n\nXXXX XXXX- The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the XXXX  law suit. This information is public and you can type my name in and see if for yourself.","date_sent_to_company":"2020-04-23T18:15:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"3619524","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-04-23T18:15:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Attached you will see the <em>laws</em> that <em>protect</em> my <em>consumer</em> rights and it will be recorded with the <em>consumer</em> finance if you don't govern your agency by the <em>law</em>. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or <em>law</em> suit."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[17.119347,"3619524"]},{"_index":"complaint-public-v1","_id":"3619511","_score":17.09523,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TIME LINE : XX/XX/XXXX I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately.\n\nXX/XX/XXXX : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX  XXXX XXXX ( note I was involved in the Equifax and XXXX XXXX data breach which exposed my information to criminals ) -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 I FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. \n\nI have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. \n\nXXXX XXXX The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the Equifax law suit. This information is public and you can type my name in and see if for yourself.","date_sent_to_company":"2020-04-23T18:15:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32824","tags":null,"has_narrative":true,"complaint_id":"3619511","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-04-23T17:12:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Attached you will see the <em>laws</em> that <em>protect</em> my <em>consumer</em> rights and it will be recorded with the <em>consumer</em> finance if you don't govern your agency by the <em>law</em>. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or <em>law</em> suit."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[17.09523,"3619511"]},{"_index":"complaint-public-v1","_id":"6877821","_score":16.913582,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to XXXX, and XXXX responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against XXXX as I am currently being denied credit due to this incorrect information. \n\nMy initial complaint for your review : On XX/XX/XXXXXXXX   I submitted a complaint to the CFPB to investigate XXXX for incorrect reporting. The CFPB closed the case after XXXX responded without making the necessary updates. XXXX simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXXXXXX  complaint. XXXX has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXX has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. XXXX unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.","date_sent_to_company":"2023-04-24T03:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95747","tags":"Servicemember","has_narrative":true,"complaint_id":"6877821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-24T03:00:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX unfortunately has continued to ignore all of the evidence I <em>have</em> <em>provided</em>. They continue to disregard the <em>laws</em> that were put into place to <em>protect</em> <em>consumers</em> from predators like themselves."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[16.913582,"6877821"]},{"_index":"complaint-public-v1","_id":"4329171","_score":16.68284,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. \n\nAs I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. \n\nI submitted letters from the XXXX XXXX XXXX California Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. \n\nI then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. \n\nTransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. \n\nI am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. \n\nI have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.","date_sent_to_company":"2021-05-13T15:03:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95747","tags":"Servicemember","has_narrative":true,"complaint_id":"4329171","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-26T22:45:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["They <em>provided</em> me with a letter stating the information was incorrect and they had removed it from my credit file. \n\nTransUnion unfortunately has continued to ignore all of the evidence I <em>have</em> <em>provided</em>. They continue to disregard the <em>laws</em> that were put into place to <em>protect</em> <em>consumers</em> from predators like themselves. \n\nI am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the <em>law</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.68284,"4329171"]},{"_index":"complaint-public-v1","_id":"4329175","_score":16.680159,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. \n\nAs I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. \n\nI submitted letters from the Superior Court ofXX/XX/XXXX Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. \n\nI then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. \n\nTransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. \n\nI am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. \n\nI have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.","date_sent_to_company":"2021-04-26T22:45:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95747","tags":"Servicemember","has_narrative":true,"complaint_id":"4329175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-26T22:28:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["They <em>provided</em> me with a letter stating the information was incorrect and they had removed it from my credit file. \n\nTransUnion unfortunately has continued to ignore all of the evidence I <em>have</em> <em>provided</em>. They continue to disregard the <em>laws</em> that were put into place to <em>protect</em> <em>consumers</em> from predators like themselves. \n\nI am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the <em>law</em>."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.680159,"4329175"]},{"_index":"complaint-public-v1","_id":"6877914","_score":16.44687,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to TransUnion, and TransUnion responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against TransUnion as I am currently being denied credit due to this incorrect information. \n\nMy initial complaint for your review : On XX/XX/XXXXXXXX  I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXX complaint. Transunion has been and continues to report a XXXX  XXXX XXXX  bankruptcy that is not mine. I have told them on multiple occasions, this was a XXXX XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by XXXX XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXXTransUnion has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.","date_sent_to_company":"2023-04-24T03:00:02.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95747","tags":"Servicemember","has_narrative":true,"complaint_id":"6877914","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-24T02:43:09.000Z","state":"CA","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":["They <em>provided</em> me with a letter stating the information was incorrect and they had removed it from my credit file. TransUnion unfortunately has continued to ignore all of the evidence I <em>have</em> <em>provided</em>. They continue to disregard the <em>laws</em> that were put into place to <em>protect</em> <em>consumers</em> from predators like themselves."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.44687,"6877914"]},{"_index":"complaint-public-v1","_id":"3140669","_score":16.115997,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer does not owe a debt. Consumer is formally notifying debt collector ( Sunrise Credit Services , Inc. ) of legal reason 's why consumer has rights to dispute debt and refuse to pay a debt consumer does not owe. ( 1 ). Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. ( 2 ). Consumers sole income is Social Security income which is federally protected income under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a copy of consumers Social Security Award letter as proof positive protected income. Please be advised : Under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) which states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not a consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. ( 3 ). Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this formal notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process that can garner monetary retribution for consumer. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics. Furthermore, a federal ( and civil ) lawsuit will ensue if consumers Social Security income is tampered with after receipt of this formal notice. Consumer thanks the CFPB for all it does to mediate and protect the rights of Consumer 's in this venue. Consumer will NOT respond to any ( PERSONAL ) emails from representatives of Sunrise Credit Services , Inc., sent to consumer beyond the \" CFPB consumer portal '' ... ... due to a personal email provided in this venue.","date_sent_to_company":"2019-02-02T13:52:36.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"68521","tags":null,"has_narrative":true,"complaint_id":"3140669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SUNRISE CREDIT SERVICES, INC","date_received":"2019-02-02T12:49:27.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["<em>consumer</em> does not <em>have</em> the authority to authorize garnishment of a federally <em>protected</em> account."],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[16.115997,"3140669"]},{"_index":"complaint-public-v1","_id":"16125854","_score":15.675207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Innovis, a consumer reporting agency, for their mishandling of my credit information, delay in processing disputes, and continued reporting of unverifiable public record data. Their actions constitute violations of the Fair Credit Reporting Act ( FCRA ), Metro2 compliance standards, and my rights as a consumer under federal law. \n\nBackground On XX/XX/XXXX, a bankruptcy record was filed in the XXXX XXXX  XXXX ( XXXX, XXXX ). \n\nOn XX/XX/XXXX, that bankruptcy was XXXX. \n\nDespite this discharge, Innovis, along with other credit bureaus, continues to report the bankruptcy in an inaccurate and inconsistent manner across reports. \n\nAdditionally, Innovis has engaged in improper practices by : Delaying dispute processing under the unfounded presumption that consumers working with third parties ( such as credit repair companies ) are not entitled to timely dispute resolution. \n\nRequiring unnecessary documentation, such as Power of Attorney, which is not supported by FCRA statutes. \n\nRetaining sensitive personal identification documents despite being prohibited from doing so under 16 CFR 682.3. \n\nViolations and Issues XXXX. Delay in Processing Disputes Under 15 U.S.C. 1681i, consumer reporting agencies must investigate disputes in a timely manner. \n\nXXXX  attempted to delay processing by questioning whether letters were prepared by a XXXX  party, which is illegal and discriminatory. Consumers have the right to assistance, and no statute permits such delays XXXX. Improper Handling of XXXX XXXX Bankruptcy records are not directly reported by courts. They are scraped by XXXX-party vendors and transmitted without verification. \n\nThe bankruptcy entry reported by Innovis is inconsistent with other bureaus ( XXXXXXXX XXXX XXXX ), and in some cases, missing required Metro2 data fields ( e.g., creditor name, case details, source verification ). \n\nThis practice violates FCRA 1681e ( b ), which requires maximum possible accuracy, and FCRA 1681i, requiring proper reinvestigation XXXX. Furnishing Incomplete and Unverifiable Data XXXX  furnished bankruptcy information that lacks critical identifiers, making it unverifiable. \n\nThis is a violation of FCRA 623 ( a ), which prohibits furnishing information known to be inaccurate or unverifiable XXXX. Privacy and Data Retention Concerns Innovis requested and retained copies of my drivers license and social security card for verification. \n\nUnder 16 CFR 682.3, such sensitive identification must be purged after verification and not retained or shared. XXXX  failure to comply creates unnecessary exposure and risk of identity theft XXXX. Consumer Rights Violations By reporting outdated and discharged bankruptcy records, XXXX  is violating FCRAs obsolescence rules, which limit how long negative information can be reported after resolution. \n\nBy failing to correct inaccuracies, Innovis is causing unlawful consumer harm and misrepresenting my creditworthiness to lenders Requested Resolution I respectfully demand the following corrective actions : Immediate deletion of the disputed bankruptcy record ( Case XXXX XXXXXXXX ) from my XXXX  credit report. \n\nWritten confirmation that Innovis has deleted the record and provided me with a free updated credit report, as required under 15 U.S.C. 1681j ( b ).\n\nAssurance that Innovis will not delay or obstruct future disputes, regardless of whether XXXX-party assistance is involved. \n\nVerification that all personal identification documents submitted have been purged in compliance with 16 CFR 682.3.\n\nA description of the procedure used to determine accuracy, provided within XXXX  days of reinvestigation completion, as mandated by FCRA 611 ( a ) ( 6 ). \n\nConclusion Innoviss reporting practices, dispute handling delays, and retention of sensitive information represent serious violations of consumer protection laws. These actions have compromised my privacy, misrepresented my credit history, and caused significant harm. I request the CFPBs intervention to enforce compliance, protect my rights, and ensure the immediate correction of my credit report.","date_sent_to_company":"2025-09-23T21:38:04.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"16125854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-09-23T21:30:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Verification that all personal identification documents submitted <em>have</em> been purged in compliance with 16 CFR 682.3.\n\nA description of the procedure used to determine accuracy, <em>provided</em> within XXXX  days of reinvestigation completion, as mandated by FCRA 611 ( a ) ( 6 ). \n\nConclusion Innoviss reporting practices, dispute handling delays, and retention of sensitive information represent serious violations of <em>consumer</em> protection <em>laws</em>."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[15.675207,"16125854"]},{"_index":"complaint-public-v1","_id":"4006392","_score":14.767965,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"After checking my credit report in XX/XX/XXXX, I discovered 2 items on my credit report that were not mine. One was a Chapter XXXX bankruptcy, and one was some type of financial company/lender. They were disputed with all 3 major credit bureaus, and both were \" verified '' according to the bureaus. I contacted the organizations ( Federal Bankruptcy Court XXXX  District of Indiana and XXXX XXXX XXXX ) early this year, and was told they had not been contacted by any of the bureaus. A second call to each of them on XX/XX/XXXX found no one from Experian had contacted them about my credit listings at all. Of course, Experian lied about this, and then said \" oh, well, we didn't contact those you disputed account with directly. We did it via XXXX XXXX ''. When confronted, their argument fell apart. \n\nIn XX/XX/XXXX, I sent registered letters to all 3 bureaus asking for the method of verification, details on who they spoke with to verify, what documents were submitted to verify, etc. XXXX  and XXXX complied. Experian did not. After 4 phone calls over the past two weeks to Experian, they claim that they \" don't have to comply '' with any method of verification, and will not do so. Even after sharing the details of the FCRA and FACTO laws, they refused. Finally, on my last call to them today, they kept \" dropping '' my calls when asking to speak to either the legal department, or consumer protection office. These calls were all recorded, and can be provided to you. \n\nI am adding copies of the registered letters, which Experian received well over 30 days ago, police report, mail receipts, etc. As an investigative journalist, we hear these types of complaints often, and in the last year, every day. Experian 's willful ignorance of the laws they must follow, and intentional disregard for the consumers they are to \" protect '', must stop. And, since they won't comply with the laws, treat customers poorly, and continue to harm those who dare confront their illegal practices, they must pay for these transgressions. No stranger to class-actions and court cases in general, their attorneys will be very busy, and once again lose, to those of us harmed by their actions. Please consider additional fines and sanctions. Along with state attorney generals and the courts, they will be made accountable.","date_sent_to_company":"2020-12-12T08:15:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"462XX","tags":null,"has_narrative":true,"complaint_id":"4006392","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-12T03:08:55.000Z","state":"IN","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":["<em>After</em> 4 phone calls over the past two weeks to Experian, they claim that they \" don't <em>have</em> to comply '' with any method of verification, and will not do so. Even <em>after</em> sharing the details of the FCRA and FACTO <em>laws</em>, they refused. Finally, on my last call to them today, they kept \" dropping '' my calls when asking to speak to either the legal department, or <em>consumer</em> protection office. These calls were all recorded, and can be <em>provided</em> to you."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[14.767965,"4006392"]},{"_index":"complaint-public-v1","_id":"2370066","_score":14.064686,"_source":{"product":"Credit reporting","complaint_what_happened":"Complaint filed with Consumer Financial Protect Agency on their website on XXXX https : //help.consumerfinance.gov/app/creditreporting/ask On XXXX I sent a certified letter to Equifax disputing XXXX Acc # XXXX and Bankruptcy # XXXX. On XXXX I sent another letter stating that I previously sent y a request for verifiable proof of the accounts listed on my credit report that were not mine or were inaccurate. Then on XXXX I sent a 3rd letter stating : \" '' Why do you continue to send back a response that says, \" Previously investigated ''? You continue to list items that are not mine and you expect me to prove these are inaccurate. You are reporting my sensitive financial information incorrectly and I demand that they be corrected immediately. You are required by law to provide me verifiable proof '' ( Section 611 ) of the accounts you list. I realize your incomes are derived from the sale of informational lists and keeping derogatory information on the report to look good to the creditors. I demand that these accounts be deleted or verified with my original documentation provided to me immediately or I will file a formal complaint to the Attorney General 's office and the FTC. '' '' As of today, I still have not received any viable proof from Equifax regarding these accounts and after checking my credit report today, I saw that after 6 months they still have NOT removed this item. \n\nThey did ; however, remove XXXX open revolving credit card accounts that are in good standing with XXXX that I never asked them to investigate, dropping my credit score by XXXX points. I demand these items be reinstated on my credit report The third issue with Equifax is that they removed an item previously disputed \" Bankruptcy # XXXX '' '' in XXXX after my second letter, and then re-inserted into my credit file on XXXX. They are required to notify me within XXXX ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. This item must be deleted immediately. ''","date_sent_to_company":"2017-03-03T17:52:31.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"84121","tags":null,"has_narrative":true,"complaint_id":"2370066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-03-03T17:52:30.000Z","state":"UT","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["I demand that these accounts be deleted or verified with my original documentation <em>provided</em> to me immediately or I will file a formal complaint to the Attorney General 's office and the FTC. '' '' As of today, I still <em>have</em> not received any viable proof from Equifax regarding these accounts and <em>after</em> checking my credit report today, I saw that <em>after</em> 6 months they still <em>have</em> NOT removed this item."]},"sort":[14.064686,"2370066"]},{"_index":"complaint-public-v1","_id":"17755048","_score":13.890818,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because a XXXX  XXXX Bankruptcy, referenced as Ref : XXXX, continues to appear on my credit report even though I did not file, authorize, initiate, participate in, or have any knowledge of this bankruptcy at any point in my life. I have never retained a bankruptcy attorney, never appeared before any bankruptcy court, never submitted any petition, and have never been involved in any legal process related to bankruptcy. This bankruptcy filing was not created by me, and through my investigation into this matter, it is clear that I am the victim of identity theft and unauthorized use of my personal information. \n\nTo protect myself, I have already filed an FTC Identity Theft Report, and I am taking all appropriate steps to report and document that this bankruptcy is fraudulent. Because bankruptcy is one of the most serious derogatory marks that can appear on a consumers credit file, the presence of a fraudulent bankruptcy is causing extreme and ongoing harm, including the denial of credit, higher interest rates, anxiety regarding my financial reputation, and the long-term inability to obtain credit, housing, transportation, or employment opportunities.\n\nWhat follows is a complete account of what happened, how I discovered the issue, why this bankruptcy does not belong to me, and the legal and procedural violations that have occurred due to its continued reporting. \n\nXXXX. XXXX of the Fraudulent Bankruptcy I first became aware of the fraudulent bankruptcy when I reviewed my credit reports and noticed the listing of a XXXX XXXX Bankruptcy filed under Ref : XXXX. This immediately raised concerns because : I have never filed for XXXX  XXXX or any other type of bankruptcy I have never received notices, letters, or legal paperwork from the bankruptcy court I have never been contacted by trustees, attorneys, or creditors related to a bankruptcy case I have never attended or been invited to a XXXX meeting ( meeting of creditors ) I have never received a discharge order, court docket, or any documentation from the U.S. Bankruptcy Court The presence of this bankruptcy was a complete shock. There has never been a moment in my life when filing bankruptcy was discussed, needed, considered, or appropriate. \n\nThis reinforced my conclusion that : Someone else used my personal identifying information fraudulently to file a bankruptcy petition that has been wrongfully attributed to me. \n\n2. Filing the FTC Identity Theft Report After discovering this bankruptcy, I immediately filed an FTC Identity Theft Report, detailing that this bankruptcy was not mine and that my personal information had been compromised. The FTC report confirms that : I did not open or authorize the filing Any documentation submitted to the court did not originate from me My identity has been misused The existence of the FTC report establishes a formal record that I am a victim of identity theft, and the report places a legal obligation on all furnishers and reporting agencies to take the identity theft claim seriously. \n\nXXXX. I NEVER Filed XXXX  XXXX Bankruptcy XXXX Participation A key fact is that I have never filed for bankruptcynot XXXX  XXXX, not XXXX XXXX, not any form of bankruptcy. This means : My signature does not appear on any filing I have never submitted a bankruptcy petition I have never attended or been notified of a XXXX meeting I have never communicated with bankruptcy counsel I have never received court notices, legal orders, docket information, or case updates I never authorized anyone else to file on my behalf Bankruptcy filings require verification of identity, and yet someone managed to use my personal information without my knowledge or consent. I am the victim of fraud. \n\n4. The Bankruptcy Court Has No Valid Record Connected to Me Because I never filed this bankruptcy, the court recordif one existscannot contain : My legitimate personal information My authentic signature My actual financial disclosures Documents created or submitted by me My attendance at any hearings or XXXX creditor meetings My communications with any trustee Any information submitted to the court using my identity is fraudulent, unauthorized, and legally invalid. The bankruptcy courts systems were misused by a third party. \n\n5. Harm Caused by the False Bankruptcy Reporting A fraudulent bankruptcy is one of the most damaging events that can appear on a credit report. The presence of this unauthorized XXXX  XXXX filing has caused : Severe damage to my credit standing Denials of credit applications Increased interest rates on lines of credit and loans Barriers to securing housing or rental approvals Impact on employment opportunities due to credit checks Emotional distress, financial XXXX, and reputational harm Long-term restrictions on financial rebuilding A XXXX  XXXX bankruptcy remains on a credit report for up to 10 years, meaning this fraudulent event could continue to harm me for nearly a decade unless it is removed. \n\nThis is unlawful and unfair, especially given that I am the victim of identity theft. \n\n6. FCRA Violations by Continuing to Report the Fraudulent Bankruptcy Under the Fair Credit Reporting Act ( FCRA ), bankruptcy information must be : Accurate Verifiable Belonging to the correct consumer Because the bankruptcy does not belong to me, reporting it violates several FCRA provisions : FCRA 602 ( A ) Accuracy and Fairness Credit reporting must be fair and accurate. Reporting a fraudulent bankruptcy violates this foundational principle.\n\nFCRA 607 ( B ) Reasonable Procedures to Assure Maximum Possible Accuracy The continued reporting proves that maximum possible accuracy was not upheld.\n\nFCRA 611 ( A ) Reinvestigation Requirements Once disputed, information must be thoroughly verified.\n\nA bankruptcy can not be verified under my identity because : I never filed it I never signed any documents I never appeared in court I did not participate in any legal proceedings FCRA 605B Blocking Fraudulent Information When a consumer submits an identity theft report ( which I have ), furnishers and credit bureaus must block fraudulent information within four business days.\n\nThis did not happen. \n\n7. No Furnisher Has Produced Any Documentation That I Filed This Bankruptcy To date, no entity has provided : A bankruptcy petition signed by me Verified identity documents used at filing IP logs, device information, or attorney records resulting in court submission Trustee reports confirming my attendance Any legitimate association between me and the case No verification exists because the bankruptcy is fraudulent.\n\nUnder the FCRA, if a furnisher can not verify the accuracy of information with original documentation, it must be deleted. \n\nXXXX. Fraudulent Bankruptcy Filings Are a Known Identity Theft Method Identity thieves sometimes file fraudulent bankruptcies to : Delay creditor actions Block collection attempts Manipulate someone elses financial records Mask their own crimes I believe that someone used my identity to : Stop their own creditors from pursuing them Mislead creditors into thinking I was undergoing bankruptcy Avoid financial obligations Exploit weaknesses in identity verification systems I am now suffering the consequences of someone elses criminal behavior. \n\n9. Credit Bureaus Have an Obligation to Remove Fraudulent Bankruptcy Information A bankruptcy is one of the most serious items reported on a credit file. The FCRA requires that : Furnishers must not report inaccurate or unverifiable information Bureaus must conduct a meaningful reinvestigation Fraudulent information must be blocked upon receipt of an FTC report Bankruptcy courts must not be relied upon unless the identity is fully verified The reporting of this bankruptcy violates these obligations.\n\n10. Bankruptcy Can not Be Corrected It Must Be Deleted Unlike a loan or collection account, a bankruptcy can not be updated, modified, or corrected.\n\nEither : The consumer filed it, or The consumer did not file it.\n\nIn my case, I absolutely did not file it. \n\nTherefore : There is no scenario where this bankruptcy can lawfully remain on my credit report. \nIt must be deleted. \n\n11. My Credit File Should Not Contain Court Information That Is Not Mine Court records are extremely sensitive. My credit report currently reflects : A case number tied to someone else A filing date I never initiated Legal processes I never participated in A discharge for debts that are not mine A court docket that is completely unrelated to me This is not just inaccurate it is a false legal record attached to my identity.\n\n12. How This Fraudulent Bankruptcy Has Impacted My Life This fraudulent bankruptcy has caused significant hardship : I have been denied credit due to the presence of bankruptcy Credit card applications have been rejected Renters have declined my application Loans have been approved only with extremely high interest rates Insurance premiums have been affected Employers have questioned my financial history My financial credibility has been damaged I am constantly worried about who stole my information and why The psychological toll of having a fraudulent bankruptcy linked to my name has been overwhelming.\n\n13. Identity Theft Victims Are Protected Under Federal Law Federal law protects identity theft victims through : The FTC Identity Theft Program FCRA 605B blocking provisions CFPB enforcement of inaccurate reporting Criminal penalties for misuse of identity The right to dispute and remove fraudulent information My rights under these laws have been violated by the continued reporting of this bankruptcy.\n\nXXXX. I Am Requesting a Complete Investigation and Immediate Removal A fair and lawful resolution requires : Removal of the XXXX  XXXX Bankruptcy from all bureaus Blocking future reinsertion Notifying all furnishers that this case is fraudulent Ensuring that no associated accounts remain Preventing any future harm through reinvestigation requirements Because I have already provided an FTC Identity Theft Report, the burden falls on the furnisher to prove authenticity. \nThey can not do so because I never filed this bankruptcy. \n\nXXXX. Summary of What Happened A XXXX  XXXX Bankruptcy ( Ref : XXXX ) was filed without my knowledge or consent My identity was used fraudulently I discovered the false bankruptcy through my credit report I filed an FTC Identity Theft Report to document the fraud I have never filed for bankruptcy in my life No documentation exists with my legitimate signature or authorization The bankruptcy court has no legitimate participation from me The continued reporting violates multiple sections of the FCRA The fraudulent bankruptcy is causing severe ongoing harm I am requesting the full deletion and suppression of this bankruptcy because it does not belong to me. \n\nConclusion I am the victim of identity theft. Someone used my personal information without authorization to file a XXXX  XXXX Bankruptcy that has been wrongfully attached to my credit file. This fraudulent bankruptcy has caused enormous harm and violates numerous federal laws governing accuracy, verification, and reporting of credit information. I respectfully request the CFPBs assistance in ensuring that this fraudulent bankruptcy is fully removed from my credit reports, blocked from reinsertion, and acknowledged as identity theft in accordance with the FCRA.","date_sent_to_company":"2025-12-04T19:01:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"17755048","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-04T19:00:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Identity Theft Victims Are <em>Protected</em> Under Federal <em>Law</em> Federal <em>law</em> <em>protects</em> identity theft victims through : The FTC Identity Theft Program FCRA 605B blocking provisions CFPB enforcement of inaccurate reporting Criminal penalties for misuse of identity The right to dispute and remove fraudulent information My rights under these <em>laws</em> <em>have</em> been violated by the continued reporting of this <em>bankruptcy</em>.\n\nXXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.890818,"17755048"]},{"_index":"complaint-public-v1","_id":"1900141","_score":13.861017,"_source":{"product":"Consumer Loan","complaint_what_happened":"Good Morning, In XXXX XXXX I reported to ALLY financial that I was filing for Chapter XXXX Bankruptcy. I provided them the name of my attorney and paid the attorney for bankruptcy. The attorney and I met and there was needed documents ( Taxes, Income Statements from my divorce ). \n\nIn short the bankruptcy was delayed. ALLY then tried to take advantage of this window and turned over the collection of this debt to a third party. ( XXXX ) XXXX XXXX XXXX. XXXX knowing the they had a small wind to recover the XXXX employed tactics that frankly I have never heard of in 46 years of existence. First, Somehow they got my sister address. They showed up in the middle of the night at my sisters residence and demanded that she produce the XXXX. Mind you my sister had no idea what we they were talking about as at this time she was unaware that her brother had to file bankruptcy. When she ignored their written demands, they peppered her and her neighbors yard with red and white flyers that read \" XXXX case number XXXX '' they hand wrote comments on the flyers saying \" WE NEED YOUR XXXX '' \" Why wo n't you call '' ETC ETC. The problem is that my sister had no knowledge of my bankruptcy filing. Shortly thereafter, I contacted a local attorney XXXX XXXX XXXX for assistance. \n\nAfter intentionally committing third party disclosure under the Fair Debt Collection practices act, They then received a call from me telling them that the debt was being filed in bankruptcy court. They stated to me that until the court accepted the case, they could use whatever measure needed to recover the car. I told them that was fine but they were not to harass my family. I must say they heeded this advise and to date have not contacted my sister nor Parked there tow truck behind her vehicle or called upon her neighbors again. Instead ... .. \n\nSomehow, the got the address of an old girlfriend. On XXXX XXXX XXXX they showed up at her home and threw red and white flyers all over her driveway. It being a windy morning many of these flyers ended up in yards throughout the neighborhood. These flyers stated \" XXXX XXXX UNDERLINE BIG BOLD PRINT \" XXXX XXXX XXXX XXXX NEED XXXX '' PHONE NUMBER XXXX NO NAME ATTACHED. \n\nNeedless to say, this was the straw that broke the back. I received a call from my old girl friend. She was not happy. She gave me the phone number to all of her neighbors that she knew and asked me to call them all to explain to them that she is not in debt to anyone. She further requested that I come and clean her yard of all of the flyers as she has a XXXX and is unable to do so herself. \n\nI beg the Consumer Financial Protection Bureau to stop the people from employing these deplorable tactics. They know what they are doing! If you google them you see their reviews are full of similar tactics and frankly they have gone unchecked by anyone and believe they can violate federal law at their leisure. I beg of you to require them to honor the law. I beg of you to insure they follow the law and further I beg of you to protect future consumes from their practices. \n\nXXXX XXXX Ga XXXX","date_sent_to_company":"2016-04-29T15:50:25.000Z","issue":"Problems when you are unable to pay","sub_product":"Vehicle loan","zip_code":"30577","tags":null,"has_narrative":true,"complaint_id":"1900141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2016-04-27T14:58:22.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I beg the <em>Consumer</em> Financial Protection Bureau to stop the people from employing these deplorable tactics. They know what they are doing! If you google them you see their reviews are full of similar tactics and frankly they <em>have</em> gone unchecked by anyone and believe they can violate federal <em>law</em> at their leisure. I beg of you to require them to honor the <em>law</em>. I beg of you to insure they follow the <em>law</em> and further I beg of you to <em>protect</em> future consumes from their practices. \n\nXXXX XXXX Ga XXXX"],"product":["<em>Consumer</em> Loan"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.861017,"1900141"]},{"_index":"complaint-public-v1","_id":"17712668","_score":13.850593,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint because a XXXX  XXXX Bankruptcy, referenced as Ref : XXXX, continues to appear on my credit report even though I did not file, authorize, initiate, participate in, or have any knowledge of this bankruptcy at any point in my life. I have never retained a bankruptcy attorney, never appeared before any bankruptcy court, never submitted any petition, and have never been involved in any legal process related to bankruptcy. This bankruptcy filing was not created by me, and through my investigation into this matter, it is clear that I am the victim of identity theft and unauthorized use of my personal information. \n\nTo protect myself, I have already filed an FTC Identity Theft Report, and I am taking all appropriate steps to report and document that this bankruptcy is fraudulent. Because bankruptcy is one of the most serious derogatory marks that can appear on a consumers credit file, the presence of a fraudulent bankruptcy is causing extreme and ongoing harm, including the denial of credit, higher interest rates, anxiety regarding my financial reputation, and the long-term inability to obtain credit, housing, transportation, or employment opportunities.\n\nWhat follows is a complete account of what happened, how I discovered the issue, why this bankruptcy does not belong to me, and the legal and procedural violations that have occurred due to its continued reporting. \n\nXXXX. XXXX of the Fraudulent Bankruptcy I first became aware of the fraudulent bankruptcy when I reviewed my credit reports and noticed the listing of a XXXX XXXX Bankruptcy filed under Ref : XXXX. This immediately raised concerns because : I have never filed for XXXX  XXXX or any other type of bankruptcy I have never received notices, letters, or legal paperwork from the bankruptcy court I have never been contacted by trustees, attorneys, or creditors related to a bankruptcy case I have never attended or been invited to a XXXX meeting ( meeting of creditors ) I have never received a discharge order, court docket, or any documentation from the U.S. Bankruptcy Court The presence of this bankruptcy was a complete shock. There has never been a moment in my life when filing bankruptcy was discussed, needed, considered, or appropriate. \n\nThis reinforced my conclusion that : Someone else used my personal identifying information fraudulently to file a bankruptcy petition that has been wrongfully attributed to me. \n\n2. Filing the FTC Identity Theft Report After discovering this bankruptcy, I immediately filed an FTC Identity Theft Report, detailing that this bankruptcy was not mine and that my personal information had been compromised. The FTC report confirms that : I did not open or authorize the filing Any documentation submitted to the court did not originate from me My identity has been misused The existence of the FTC report establishes a formal record that I am a victim of identity theft, and the report places a legal obligation on all furnishers and reporting agencies to take the identity theft claim seriously. \n\nXXXX. I NEVER Filed XXXX  XXXX Bankruptcy XXXX Participation A key fact is that I have never filed for bankruptcynot XXXX  XXXX, not XXXX XXXX, not any form of bankruptcy. This means : My signature does not appear on any filing I have never submitted a bankruptcy petition I have never attended or been notified of a XXXX meeting I have never communicated with bankruptcy counsel I have never received court notices, legal orders, docket information, or case updates I never authorized anyone else to file on my behalf Bankruptcy filings require verification of identity, and yet someone managed to use my personal information without my knowledge or consent. I am the victim of fraud. \n\n4. The Bankruptcy Court Has No Valid Record Connected to Me Because I never filed this bankruptcy, the court recordif one existscannot contain : My legitimate personal information My authentic signature My actual financial disclosures Documents created or submitted by me My attendance at any hearings or XXXX creditor meetings My communications with any trustee Any information submitted to the court using my identity is fraudulent, unauthorized, and legally invalid. The bankruptcy courts systems were misused by a third party. \n\n5. Harm Caused by the False Bankruptcy Reporting A fraudulent bankruptcy is one of the most damaging events that can appear on a credit report. The presence of this unauthorized XXXX  XXXX filing has caused : Severe damage to my credit standing Denials of credit applications Increased interest rates on lines of credit and loans Barriers to securing housing or rental approvals Impact on employment opportunities due to credit checks Emotional distress, financial XXXX, and reputational harm Long-term restrictions on financial rebuilding A XXXX  XXXX bankruptcy remains on a credit report for up to 10 years, meaning this fraudulent event could continue to harm me for nearly a decade unless it is removed. \n\nThis is unlawful and unfair, especially given that I am the victim of identity theft. \n\n6. FCRA Violations by Continuing to Report the Fraudulent Bankruptcy Under the Fair Credit Reporting Act ( FCRA ), bankruptcy information must be : Accurate Verifiable Belonging to the correct consumer Because the bankruptcy does not belong to me, reporting it violates several FCRA provisions : FCRA 602 ( A ) Accuracy and Fairness Credit reporting must be fair and accurate. Reporting a fraudulent bankruptcy violates this foundational principle.\n\nFCRA 607 ( B ) Reasonable Procedures to Assure Maximum Possible Accuracy The continued reporting proves that maximum possible accuracy was not upheld.\n\nFCRA 611 ( A ) Reinvestigation Requirements Once disputed, information must be thoroughly verified.\n\nA bankruptcy can not be verified under my identity because : I never filed it I never signed any documents I never appeared in court I did not participate in any legal proceedings FCRA 605B Blocking Fraudulent Information When a consumer submits an identity theft report ( which I have ), furnishers and credit bureaus must block fraudulent information within four business days.\n\nThis did not happen. \n\n7. No Furnisher Has Produced Any Documentation That I Filed This Bankruptcy To date, no entity has provided : A bankruptcy petition signed by me Verified identity documents used at filing IP logs, device information, or attorney records resulting in court submission Trustee reports confirming my attendance Any legitimate association between me and the case No verification exists because the bankruptcy is fraudulent.\n\nUnder the FCRA, if a furnisher can not verify the accuracy of information with original documentation, it must be deleted. \n\nXXXX. Fraudulent Bankruptcy Filings Are a Known Identity Theft Method Identity thieves sometimes file fraudulent bankruptcies to : Delay creditor actions Block collection attempts Manipulate someone elses financial records Mask their own crimes I believe that someone used my identity to : Stop their own creditors from pursuing them Mislead creditors into thinking I was undergoing bankruptcy Avoid financial obligations Exploit weaknesses in identity verification systems I am now suffering the consequences of someone elses criminal behavior. \n\n9. Credit Bureaus Have an Obligation to Remove Fraudulent Bankruptcy Information A bankruptcy is one of the most serious items reported on a credit file. The FCRA requires that : Furnishers must not report inaccurate or unverifiable information Bureaus must conduct a meaningful reinvestigation Fraudulent information must be blocked upon receipt of an FTC report Bankruptcy courts must not be relied upon unless the identity is fully verified The reporting of this bankruptcy violates these obligations.\n\n10. Bankruptcy Can not Be Corrected It Must Be Deleted Unlike a loan or collection account, a bankruptcy can not be updated, modified, or corrected.\n\nEither : The consumer filed it, or The consumer did not file it.\n\nIn my case, I absolutely did not file it. \n\nTherefore : There is no scenario where this bankruptcy can lawfully remain on my credit report. \nIt must be deleted. \n\n11. My Credit File Should Not Contain Court Information That Is Not Mine Court records are extremely sensitive. My credit report currently reflects : A case number tied to someone else A filing date I never initiated Legal processes I never participated in A discharge for debts that are not mine A court docket that is completely unrelated to me This is not just inaccurate it is a false legal record attached to my identity.\n\n12. How This Fraudulent Bankruptcy Has Impacted My Life This fraudulent bankruptcy has caused significant hardship : I have been denied credit due to the presence of bankruptcy Credit card applications have been rejected Renters have declined my application Loans have been approved only with extremely high interest rates Insurance premiums have been affected Employers have questioned my financial history My financial credibility has been damaged I am constantly worried about who stole my information and why The psychological toll of having a fraudulent bankruptcy linked to my name has been overwhelming.\n\n13. Identity Theft Victims Are Protected Under Federal Law Federal law protects identity theft victims through : The FTC Identity Theft Program FCRA 605B blocking provisions CFPB enforcement of inaccurate reporting Criminal penalties for misuse of identity The right to dispute and remove fraudulent information My rights under these laws have been violated by the continued reporting of this bankruptcy.\n\nXXXX. I Am Requesting a Complete Investigation and Immediate Removal A fair and lawful resolution requires : Removal of the XXXX  XXXX Bankruptcy from all bureaus Blocking future reinsertion Notifying all furnishers that this case is fraudulent Ensuring that no associated accounts remain Preventing any future harm through reinvestigation requirements Because I have already provided an FTC Identity Theft Report, the burden falls on the furnisher to prove authenticity. \nThey can not do so because I never filed this bankruptcy. \n\nXXXX. Summary of What Happened A XXXX  XXXX Bankruptcy ( Ref : XXXX ) was filed without my knowledge or consent My identity was used fraudulently I discovered the false bankruptcy through my credit report I filed an FTC Identity Theft Report to document the fraud I have never filed for bankruptcy in my life No documentation exists with my legitimate signature or authorization The bankruptcy court has no legitimate participation from me The continued reporting violates multiple sections of the FCRA The fraudulent bankruptcy is causing severe ongoing harm I am requesting the full deletion and suppression of this bankruptcy because it does not belong to me. \n\nConclusion I am the victim of identity theft. Someone used my personal information without authorization to file a XXXX  XXXX Bankruptcy that has been wrongfully attached to my credit file. This fraudulent bankruptcy has caused enormous harm and violates numerous federal laws governing accuracy, verification, and reporting of credit information. I respectfully request the CFPBs assistance in ensuring that this fraudulent bankruptcy is fully removed from my credit reports, blocked from reinsertion, and acknowledged as identity theft in accordance with the FCRA.","date_sent_to_company":"2025-12-04T19:01:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10801","tags":null,"has_narrative":true,"complaint_id":"17712668","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-04T18:54:04.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Identity Theft Victims Are <em>Protected</em> Under Federal <em>Law</em> Federal <em>law</em> <em>protects</em> identity theft victims through : The FTC Identity Theft Program FCRA 605B blocking provisions CFPB enforcement of inaccurate reporting Criminal penalties for misuse of identity The right to dispute and remove fraudulent information My rights under these <em>laws</em> <em>have</em> been violated by the continued reporting of this <em>bankruptcy</em>.\n\nXXXX."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.850593,"17712668"]},{"_index":"complaint-public-v1","_id":"8356207","_score":13.635941,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have made TRANSUNION aware of what I am disputing and they keep responding with items have been verified as accurate. The law states that if they claim the items are accurate, CRA must provide the persons name, phone number and address who verified the information. TRANSUNION has never provided this information to me.\n\nAfter reviewing my consumer credit reports I have found the following violations of my privacy and consumer rights. I never gave any consumer credit reporting agency consent to report nor did I ever receive an opt-out of reporting option from any of the Corporations listed in this dispute or the Consumer Credit Reporting Agency TRANSUNION XXXX I have filed multiple disputes with TransUnion CRA asserting my right to privacy and my opt out rights. TransUnion continues to ignore the proper reasoning for my disputes and continues to respond with verification responses. I AM NOT DISPUTING VALIDATION OR VERIFICATION! \n\n\nTRANSUNION IS NOT RESPONDING TO MY RIGHTS TO PRIVACY NOR MY RIGHT TO OPT OUT OF NEGATIVE REPORTING WHEN I WAS NEVER GIVEN THE PROPER OPT OUT OPPORTUNITIES or DISCLOSURES. \n\nI OPT OUT OF THE FOLLOWING ITEMS BEING REPORTED ON MY CONSUMER CREDIT REPORT ( They are not mine, I never filed Bankruptcies back to back ) XXXX XXXX BANKRUPTCY REF # XXXX XX/XX/XXXX XXXX XXXX BANKRUPTCY REF # XXXX XX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nIn accordance with consumer protection laws, consumer reporting agencies need my written consent to add anything to my consumer report. I did not give this authorization to add any hard inquiries which is a violation of the Fair Credit Reporting Act. \nP.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) According to the U.S. Dept of Justice website : PRIVACY ACT OF 1974 A. The \" No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).\n\nIf TRANSUNION is going to report my information it must be reported in accordance of Federal Laws Per the FCRA as a federally protected consumer I am now opting out of any negative credit reporting on my consumer credit report. I opt out of reporting any personal information that is not mine or connected to me. I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal per 15 usc 1682. ( see Exhibit XXXX  and Exhibit XXXX enclosed ) NOTE : Not only has my privacy been violated, I have the right to opt-out-of any negative reporting on my consumer report. I was never given an option or form to opt-out of negative reporting in accordance with Federal Law 15 USC 6508, 16 CFR 313.7. ( see Exhibit XXXX  and Exhibit XXXX enclosed ). This has been an ongoing dispute issue with TransUnion. I am continuously being violated by this CRA. \n\n\nI have attached the federal laws of how my rights are being violated everyday. \n\nPLEASE NOTE THIS IS NOT A VERIFICATION OR VALIDATION DISPUTE! \n\n\n\n\nThanks XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-02-16T02:48:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"70072","tags":null,"has_narrative":true,"complaint_id":"8356207","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-16T02:23:22.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>have</em> made TRANSUNION aware of what I am disputing and they keep responding with items <em>have</em> been verified as accurate. The <em>law</em> states that if they claim the items are accurate, CRA must provide the persons name, phone number and address who verified the information. TRANSUNION has never <em>provided</em> this information to me.\n\n<em>After</em> reviewing my <em>consumer</em> credit reports I <em>have</em> found the following violations of my privacy and <em>consumer</em> rights."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.635941,"8356207"]},{"_index":"complaint-public-v1","_id":"11139742","_score":13.627813,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Navy Federal Credit Union charged off a previous account on XX/XX/XXXX ; however, the institution has never provided me with a copy of the XXXX demonstrating they wrote it off and or collected an insurance claim for that account. Navy Federal continued to report the account for late payments; late payments reporting begun XX/XX/XXXX- currently, which has significantly damaged my credit and continues to damage my credit. \nAccording to the Internal Revenue Code ( IRC ) Section 6050P : This section requires financial institutions to file a XXXX form for each debtor for whom they cancel a debt of {$600.00} or more and provide a copy to the debtor. Navy Federal never provided XXXX and they have continued not providing a copy of the XXXX. \n\nFair Credit Reporting Act ( FCRA ) : The FCRA, specifically 15 U.S.C. 1681 et seq., requires financial institutions to provide accurate information to consumer reporting agencies and investigate disputes regarding inaccurate information. \nIn XXXX XXXX XXXX, the XXXX held that financial institutions must comply with IRS reporting obligations. \nIn XXXX XXXX XXXX XXXX in this case, the court denied XXXX XXXX XXXX motion to dismiss a complaint alleging violations of the Fair Credit Reporting Act ( FCRA ) when the bank issued a XXXX but continued to report the debt as outstanding. This case highlights the importance of accurate reporting, practices and investigation of disputes. \nFair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : This section of the FCRA outlines the rules for the accuracy and fairness of credit reporting. It requires that negative information, such as late payments, charge-offs, and collections, be removed from your credit report after 7 years.\n\n15 U.S.C. 1681c : This section specifies the types of information that must be removed after a certain period, including bankruptcies ( XXXX XXXX for 10 years and XXXX XXXX for 7 years ). \n\n15 U.S.C. 1681i : This section provides consumers with the right to dispute inaccurate information on their credit reports and requires credit bureaus to investigate and correct any inaccuracies.\n\n15 U.S.C. 1679c : This section requires credit repair organizations to inform consumers of their rights under state and federal law, including the right to dispute inaccurate information and the time frame for the removal of negative information. \n\nNavy Federal has violated everyone of those statutes mentioned above, and they have continued to do so. They have no regards for the laws that governed this country as well as the laws that protects their customers. Navy Federal have repeatedly committed fraud without being held responsible.","date_sent_to_company":"2024-12-13T15:02:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12144","tags":"Servicemember","has_narrative":true,"complaint_id":"11139742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-12-13T14:20:10.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Navy Federal has violated everyone of those statutes mentioned above, and they <em>have</em> continued to do so. They <em>have</em> no regards for the <em>laws</em> that governed this country as well as the <em>laws</em> that <em>protects</em> their customers. Navy Federal <em>have</em> repeatedly committed fraud without being held responsible."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[13.627813,"11139742"]},{"_index":"complaint-public-v1","_id":"7601066","_score":13.4720545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the inclusion of a charge-off, which was discharged through bankruptcy, and a related public record on my credit report. It has come to my attention that these entries are negatively affecting my creditworthiness, despite being legally discharged as part of my bankruptcy proceedings. \n\nI filed for XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX, and XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  and my bankruptcy case was successfully discharged. As per the bankruptcy laws in our jurisdiction, the discharge of my bankruptcy case should have resulted in the removal of any associated charge-offs, late payments, and public records from my credit report. \n\nTo my surprise and dismay, my recent credit report from your agency still reflects the charge-off associated with the bankruptcy and a related public record. This is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set forth by the credit reporting industry. \n\nI kindly request the immediate removal of the charge-off and the related public record from my credit report, as they are no longer legally valid or relevant after my bankruptcy discharge. The inclusion of these entries on my credit report is not only misleading but also severely impacts my ability to rebuild my financial stability and access credit on fair terms. \n\nI understand that it is the responsibility of credit reporting agencies to ensure the accuracy of the information they report, and the FCRA explicitly states that discharged debts in bankruptcy should not be reported negatively. Therefore, I request that you take immediate steps to correct this error and provide me with a written confirmation of the removal within the legally mandated timeframe. \n\nFailure to address this issue promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and seek legal action to protect my rights as a consumer. \n\nI am enclosing copies of the relevant bankruptcy discharge documents and any other necessary documentation to support my claim. Please consider these documents as evidence of the discharge of the mentioned debts. The following items are needs to be removed in my credit file, with that I am asking for your assistance : XXXX. XXXX XXXX XXXX Balance Owed : {$2400.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. \n\nXXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. \n\nXXXX. XXXX XXXX Balance Owed : {$5700.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. \n\nXXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this account included in bankruptcy for violating the Fair Credit Reporting Act. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.","date_sent_to_company":"2023-09-26T04:30:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7601066","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-26T04:30:19.000Z","state":"MO","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":["I filed for XXXX  XXXX <em>Bankruptcy</em> Reference # : XXXX Closing Date : XX/XX/XXXX, and XXXX  XXXX <em>Bankruptcy</em> Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  and my <em>bankruptcy</em> case was successfully discharged. As per the <em>bankruptcy</em> <em>laws</em> in our jurisdiction, the discharge of my <em>bankruptcy</em> case should <em>have</em> resulted in the removal of any associated charge-offs, late payments, and public records from my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.4720545,"7601066"]},{"_index":"complaint-public-v1","_id":"7601065","_score":13.4720545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the inclusion of a charge-off, which was discharged through bankruptcy, and a related public record on my credit report. It has come to my attention that these entries are negatively affecting my creditworthiness, despite being legally discharged as part of my bankruptcy proceedings. \n\nI filed for XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX, and XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX and my bankruptcy case was successfully discharged. As per the bankruptcy laws in our jurisdiction, the discharge of my bankruptcy case should have resulted in the removal of any associated charge-offs, late payments, and public records from my credit report. \n\nTo my surprise and dismay, my recent credit report from your agency still reflects the charge-off associated with the bankruptcy and a related public record. This is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set forth by the credit reporting industry. \n\nI kindly request the immediate removal of the charge-off and the related public record from my credit report, as they are no longer legally valid or relevant after my bankruptcy discharge. The inclusion of these entries on my credit report is not only misleading but also severely impacts my ability to rebuild my financial stability and access credit on fair terms. \n\nI understand that it is the responsibility of credit reporting agencies to ensure the accuracy of the information they report, and the FCRA explicitly states that discharged debts in bankruptcy should not be reported negatively. Therefore, I request that you take immediate steps to correct this error and provide me with a written confirmation of the removal within the legally mandated timeframe. \n\nFailure to address this issue promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and seek legal action to protect my rights as a consumer. \n\nI am enclosing copies of the relevant bankruptcy discharge documents and any other necessary documentation to support my claim. Please consider these documents as evidence of the discharge of the mentioned debts. The following items are needs to be removed in my credit file, with that I am asking for your assistance : XXXX. XXXX XXXX XXXX Balance Owed : {$2400.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. \n\nXXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. \n\nXXXX. XXXX XXXX Balance Owed : {$5700.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. \n\nXXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this account included in bankruptcy for violating the Fair Credit Reporting Act. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I XXXX contact them directly. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.","date_sent_to_company":"2023-09-26T04:30:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7601065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-09-26T04:30:19.000Z","state":"MO","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed for XXXX  XXXX <em>Bankruptcy</em> Reference # : XXXX Closing Date : XX/XX/XXXX, and XXXX  XXXX <em>Bankruptcy</em> Reference # : XXXX Closing Date : XX/XX/XXXX and my <em>bankruptcy</em> case was successfully discharged. As per the <em>bankruptcy</em> <em>laws</em> in our jurisdiction, the discharge of my <em>bankruptcy</em> case should <em>have</em> resulted in the removal of any associated charge-offs, late payments, and public records from my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.4720545,"7601065"]},{"_index":"complaint-public-v1","_id":"7600806","_score":13.4720545,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hope this letter finds you in good health. I am writing to express my dissatisfaction and concern regarding the inclusion of a charge-off, which was discharged through bankruptcy, and a related public record on my credit report. It has come to my attention that these entries are negatively affecting my creditworthiness, despite being legally discharged as part of my bankruptcy proceedings. \n\nI filed for XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX, and XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  and my bankruptcy case was successfully discharged. As per the bankruptcy laws in our jurisdiction, the discharge of my bankruptcy case should have resulted in the removal of any associated charge-offs, late payments, and public records from my credit report. \n\nTo my surprise and dismay, my recent credit report from your agency still reflects the charge-off associated with the bankruptcy and a related public record. This is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ) and the guidelines set forth by the credit reporting industry. \n\nI kindly request the immediate removal of the charge-off and the related public record from my credit report, as they are no longer legally valid or relevant after my bankruptcy discharge. The inclusion of these entries on my credit report is not only misleading but also severely impacts my ability to rebuild my financial stability and access credit on fair terms. \n\nI understand that it is the responsibility of credit reporting agencies to ensure the accuracy of the information they report, and the FCRA explicitly states that discharged debts in bankruptcy should not be reported negatively. Therefore, I request that you take immediate steps to correct this error and provide me with a written confirmation of the removal within the legally mandated timeframe. \n\nFailure to address this issue promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and seek legal action to protect my rights as a consumer. \n\nI am enclosing copies of the relevant bankruptcy discharge documents and any other necessary documentation to support my claim. Please consider these documents as evidence of the discharge of the mentioned debts. The following items are needs to be removed in my credit file, with that I am asking for your assistance : XXXX. XXXX XXXX XXXX Balance Owed : {$2400.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. \n\nXXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. \n\nXXXX. XXXX XXXX Balance Owed : {$5700.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. \n\nXXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this account included in bankruptcy for violating the Fair Credit Reporting Act. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. \n\nXXXX. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. \n\nXXXX. XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.","date_sent_to_company":"2023-09-26T04:30:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"7600806","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-26T04:21:20.000Z","state":"MO","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":["I filed for XXXX  XXXX <em>Bankruptcy</em> Reference # : XXXX Closing Date : XX/XX/XXXX, and XXXX  XXXX <em>Bankruptcy</em> Reference # : XXXX Closing Date : XX/XX/XXXXXXXX  and my <em>bankruptcy</em> case was successfully discharged. As per the <em>bankruptcy</em> <em>laws</em> in our jurisdiction, the discharge of my <em>bankruptcy</em> case should <em>have</em> resulted in the removal of any associated charge-offs, late payments, and public records from my credit report."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[13.4720545,"7600806"]},{"_index":"complaint-public-v1","_id":"6057709","_score":13.061537,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"VIOLATIONS & AMOUNT PER VIOLATION FACTUAL DATA has been reporting this bankruptcy on my credit report from XX/XX/XXXX to the current date as of this complaint XX/XX/XXXX which is 3 years and 4 months ( 40 months x $ XXXX each month = {$40000.00} ). \n15 USC 1684n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.\n\nBeing that FACTUAL DATA is a corporation ( See Exhibit D ), they obtained my consumer report under false pretenses or knowingly without a permissible purpose. ( {$1000.00} ) 15 USC 1684n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. \n\nAfter contacting FACTUAL DATA and informing this company that they are reporting an unverifiable bankruptcy ( public record ) on my credit report and after sending them the 2nd notice ( Exhibit B ) with a copy of the Courthouse letter stating that the courthouse does not report to any consumer reporting agencies, FACTUAL DATA willfully and negligently kept reporting this bankruptcy on my credit report. The continuance of reporting this bankruptcy on my credit report is a direct violation of the following federal law. \n15 USC 1681o- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. \n\nI did not give written permission to FACTUAL DATA to report this bankruptcy ( public record ) on my credit report. FACTUAL DATA also accessed my information from three ( 3 ) consumer reporting agencies without my permission. Therefore, FACTUAL DATA did not have a permissible purpose to report this bankruptcy on my credit report. ( {$1000.00} violation/month = 40 months for each consumer reporting agency time 3 ) 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nBy reporting this bankruptcy on my credit report, FACTUAL DATA has violated my privacy rights. The reporting of this bankruptcy has caused defamation of my character, my mode of living because I have been very stressed out from the numerous denials needed to take care of my family, and my ability to obtain credit for my everyday household needs and causing me to having to settle with credit that subjects me to high interest rates and resort to payday loans and cash advances which subjected me to predatory lending. ( {$1000.00} violation ) 15 USC 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.\n\nFACTUAL DATA failed to report verifiable and accurate information on my credit report for each of the accounts dealing with the bankruptcy being reported. ( {$1000.00} per violation for each month of reporting inaccurate and unverifiable information = {$40000.00} ) 15 USC 1681e - Accuracy of Report - ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \n\nFACTUAL DATA did not provide proof of the certification document giving them permission to prepare or furnish an investigative consumer report. ( {$1000.00} x 3 reports from the credit bureaus ) 15 USC 1681d - ( d ) ( 1 ) Prohibitions ( 1 ) Certification - A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.\n\nFACTUAL DATA did not verify this bankruptcy within the 30-day period from my first notice ( Exhibit A ) from the date of their response dated 7/18/2022 ( Exhibit C ) and is not is not supposed to be reporting the bankruptcy on my credit report. ( {$1000.00} ) 15 USC 1681d - ( d ) ( 3 ) Certain public record information Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished.\n\nThus resulting in knowingly transferring, possessing, and using without lawful authority a means of identification of me, FACTUAL DATA committing identity theft. There is no public record and FACTUAL DATA can not furnish this information because I did not give them permission to report the bankruptcy/public record to my credit report.\n\n18 USC 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.\n\nI have attached a copy of my state issued license for identity verification.","date_sent_to_company":"2022-10-07T01:02:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"39532","tags":null,"has_narrative":true,"complaint_id":"6057709","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2022-10-07T00:46:23.000Z","state":"MS","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>After</em> contacting FACTUAL DATA and informing this company that they are reporting an unverifiable <em>bankruptcy</em> ( public record ) on my credit report and <em>after</em> sending them the 2nd notice ( Exhibit B ) with a copy of the Courthouse letter stating that the courthouse does not report to any <em>consumer</em> reporting agencies, FACTUAL DATA willfully and negligently kept reporting this <em>bankruptcy</em> on my credit report."],"product":["Credit reporting, credit repair services, or other personal <em>consumer</em> reports"]},"sort":[13.061537,"6057709"]},{"_index":"complaint-public-v1","_id":"16699204","_score":13.002264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Description Equifax Refusal to Process Verified Dispute After Data Breach Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, MO XXXX Date of Birth : XX/XX/year> SS # : XXXX XXXX XXXX XXXXXXXX Credit Bureau : Equifax Information Services LLC Complaint Summary : I am filing this complaint against Equifax because they refused to properly process my verified credit dispute, despite my direct submission, full identity verification, and multiple prior FTC filings confirming I am a victim of identity theft and data compromise. \nEquifax issued a misleading response claiming that my dispute did not come directly from me or someone I authorized. This statement is false. I personally initiated the dispute, provided my identifying information, and submitted the supporting documentation required under the Fair Credit Reporting Act ( FCRA ).\n\nTheir refusal to investigate and process my dispute violates my rights under 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ), 1681e ( b ) ( requirement to ensure maximum possible accuracy ), and 1681c-2 ( blocking information resulting from identity theft ).\n\nThe item in question is a public record bankruptcy ( XXXX  XXXX, Case No. XXXX ) that has been reported inaccurately and without proper verification. I have already provided clear evidence that this record does not match my full identifiers and should have been deleted. Instead of conducting a lawful reinvestigation, Equifax dismissed my verified submission under false pretense that it was unauthorized.\n\nThis improper denial of a legitimate FCRA dispute has left me vulnerable to further identity theft, financial harm, and reputational damage, especially given that my personal data has been compromised by a national data breach. The continued publication of inaccurate information despite repeated notice demonstrates willful and negligent noncompliance with federal law.\n\nEquifaxs response is obstructive, misleading, and fails to protect consumers as required under the FCRA and FTC consumer protection standards. Their conduct has denied me the ability to correct false and damaging information that continues to appear on my credit report.\n\nRequested Resolution : I respectfully request that the Consumer Financial Protection Bureau : Require Equifax to properly acknowledge and process my verified dispute as submitted directly by me.\n\nDirect Equifax to delete the unverifiable bankruptcy record ( Case No. XXXX ) and any associated inaccurate data.\n\nEnsure Equifax provides full documentation of its method of verification, including the specific source and identifiers relied upon.\n\nCompel Equifax to comply with its obligations under 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681c-2, and issue a corrected report.\n\nInvestigate Equifaxs systemic practice of rejecting verified disputes under the false claim that they were not consumer-submitted.\n\nI have acted in good faith, verified my identity multiple times, and submitted official FTC Identity Theft Reports confirming my victim status. Equifaxs ongoing refusal to reinvestigate or remove unverifiable data not only violates federal law but also leaves me at continued risk of further fraud and exposure.","date_sent_to_company":"2025-10-20T19:44:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"630XX","tags":null,"has_narrative":true,"complaint_id":"16699204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-20T19:39:43.000Z","state":"MO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["The item in question is a public record <em>bankruptcy</em> ( XXXX  XXXX, Case No. XXXX ) that has been reported inaccurately and without proper verification. I <em>have</em> already <em>provided</em> clear evidence that this record does not match my full identifiers and should <em>have</em> been deleted. Instead of conducting a lawful reinvestigation, Equifax dismissed my verified submission under false pretense that it was unauthorized."],"product":["Credit reporting or other personal <em>consumer</em> reports"]},"sort":[13.002264,"16699204"]},{"_index":"complaint-public-v1","_id":"14263603","_score":12.996815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over XXXX days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. \n\nViolations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. \n\nFCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory XXXX timeframe. \n\nFCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings. \n\n15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.\n\n18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.\n\n15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. \n\nXXXX Violations : Noncompliance with established industry reporting standards. \n\nNevada Deceptive Trade Practices Act ( XXXX XXXX ; XXXX XXXX ) : XXXX XXXX ( XXXX ) : Knowingly misrepresenting the legal rights, obligations, or remedies of a party. \n\nXXXX XXXX ( XXXX ) : Failing to disclose a material fact in connection with a consumer transaction. \n\nXXXX XXXX ( XXXX ) : Violating state or federal law in the course of business. \n\nFDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. \n\nFraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations XXXX Law : XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX DEMAND : Immediate deletion and blocking under FCRA 1681c-2. \nXXXX. BANKRUPTCY : XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d XXXX  : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations XXXX Law : XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX This bankruptcy account reported solely by TransUnion shows several violations and raises serious concerns under both federal law and XXXX XXXXXXXX XXXX. First, neither Experian nor Equifax report this bankruptcy, which suggests a lack of consistency across credit bureaus. If the bankruptcy was dismissed and no longer valid, TransUnion 's continued reporting while the other bureaus exclude it creates an inaccurate portrayal of the consumers financial history, violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ), which requires that information be complete and accurate. The consumers bankruptcy was dismissednot dischargedon XX/XX/2021, yet the mere presence of a dismissed bankruptcy on a credit report after that closing date is highly questionable. According to the Federal Trade Commission and multiple court precedents, dismissed bankruptcies must be removed if they are misleading or imply unresolved debt. Furthermore, under Nevada Revised Statutes ( NRS ) XXXX, credit reporting agencies must ensure maximum possible accuracy, and under XXXX XXXX, consumers have the right to dispute inaccurate or obsolete information. XXXX failure to remove this dismissed Chapter XXXX Bankruptcy XXXX constitute continued defamation of credit and negligent reporting. The account lists {$0.00} in asset amount, liability, and exempt amount, yet still reflects a full bankruptcy entry, which misrepresents the factual context of the court case. The continued reporting of this dismissed bankruptcy may cause unjust harm to the consumers creditworthiness and may violate both federal and Nevada consumer protection laws. \n\nFraudulent Inquiries to Remove Entities : XXXXXXXX XXXX XXXXXXXX Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect Employers XXXX XXXX, XXXX Incorrect Names : XXXX XXXX, XXXX XXXX Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. \nImmediate deletion of all unauthorized hard inquiries. \nCorrection of all inaccurate personal information, including addresses, employers, and names. \nProvision of updated credit reports from all three bureaus confirming these corrections. \nImplementation of statutory identity theft protections, including fraud alerts. \nComprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. \nImposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. \nSupporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.","date_sent_to_company":"2025-06-24T21:47:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89135","tags":null,"has_narrative":true,"complaint_id":"14263603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-24T21:39:25.000Z","state":"NV","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":["The <em>consumers</em> <em>bankruptcy</em> was dismissednot dischargedon XX/XX/2021, yet the mere presence of a dismissed <em>bankruptcy</em> on a credit report <em>after</em> that closing date is highly questionable. According to the Federal Trade Commission and multiple court precedents, dismissed <em>bankruptcies</em> must be removed if they are misleading or imply unresolved debt."],"product":["Credit reporting or other personal <em>consumer</em> reports"],"company_public_response":["Company has responded to the <em>consumer</em> and the CFPB and chooses not to provide a public response"]},"sort":[12.996815,"14263603"]},{"_index":"complaint-public-v1","_id":"14263963","_score":12.980327,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) immediately enforce corrective action against Equifax, Experian, and TransUnion for persistent and repeated violations of federal law. Over XXXX days ago, I submitted detailed written disputes, comprehensive identity theft documentation, and supporting evidence. The bureaus have unlawfully failed to comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) and associated federal laws, constituting further violations. \n\nViolations Committed by THE BUREAUS : 15 U.S.C. 1681 ( FCRA 607 ( b ) ) : Failure to maintain maximum possible accuracy. \n\nFCRA 611 ( a ) ( 1 ) ( A ) : Failure to investigate consumer disputes within the statutory XXXX timeframe. \n\nFCRA 611 ( a ) ( 6 ) : Failure to conduct reinvestigations and provide findings. \n\n15 U.S.C. 1692g : Failure to notify the consumer of alleged debts within the required timeframe.\n\nGramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) : Failure to adequately safeguard consumer personal information.\n\n18 U.S.C. 1028 : Identity theft and unauthorized misuse of personal data.\n\n15 U.S.C. 1681g ( e ) : Failure to provide adequate victim assistance, fraud alerts, and recovery tools. \n\nXXXX Violations : Noncompliance with established industry reporting standards. \n\nNevada Deceptive Trade Practices Act ( XXXX XXXX ; XXXX XXXX ) : XXXX XXXX ( XXXX ) : Knowingly misrepresenting the legal rights, obligations, or remedies of a party. \n\nXXXX XXXX ( XXXX ) : Failing to disclose a material fact in connection with a consumer transaction. \n\nXXXX XXXX ( XXXX ) : Violating state or federal law in the course of business. \n\nFDCPA 15 U.S.C. 1692g ( b ) : Failure to respond to validation requests within 30 days. \n\nFraudulent and Inaccurate Accounts Requiring Immediate Removal and Permanent Blocking : XXXX. XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d GLBA : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations XXXX Law : XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX DEMAND : Immediate deletion and blocking under FCRA 1681c-2. \nXXXX. BANKRUPTCY : XXXX Account Number : XXXX Violations : FCRA : 1681e ( b ), 1681i ( a ), 1681g, 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ), 1681c ( a ) FDCPA : 1692g ( a ), 1692g ( b ), 1692e ( 8 ), 1692d XXXX  : 6801 ( b ), 6802 ( a ) XXXX XXXX : Reporting format violations XXXX Law : XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX This bankruptcy account reported solely by TransUnion shows several violations and raises serious concerns under both federal law and XXXX XXXXXXXX XXXX. First, neither Experian nor Equifax report this bankruptcy, which suggests a lack of consistency across credit bureaus. If the bankruptcy was dismissed and no longer valid, TransUnion 's continued reporting while the other bureaus exclude it creates an inaccurate portrayal of the consumers financial history, violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( b ), which requires that information be complete and accurate. The consumers bankruptcy was dismissednot dischargedon XX/XX/2021, yet the mere presence of a dismissed bankruptcy on a credit report after that closing date is highly questionable. According to the Federal Trade Commission and multiple court precedents, dismissed bankruptcies must be removed if they are misleading or imply unresolved debt. Furthermore, under Nevada Revised Statutes ( NRS ) XXXX, credit reporting agencies must ensure maximum possible accuracy, and under XXXX XXXX, consumers have the right to dispute inaccurate or obsolete information. XXXX failure to remove this dismissed Chapter XXXX Bankruptcy XXXX constitute continued defamation of credit and negligent reporting. The account lists {$0.00} in asset amount, liability, and exempt amount, yet still reflects a full bankruptcy entry, which misrepresents the factual context of the court case. The continued reporting of this dismissed bankruptcy may cause unjust harm to the consumers creditworthiness and may violate both federal and Nevada consumer protection laws. \n\nFraudulent Inquiries to Remove Entities : XXXXXXXX XXXX XXXXXXXX Unfamiliar or Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect Employers XXXX XXXX, XXXX Incorrect Names : XXXX XXXX, XXXX XXXX Requested Relief from the CFPB : Immediate enforcement of removal and permanent blocking of all fraudulent and inaccurate accounts listed. \nImmediate deletion of all unauthorized hard inquiries. \nCorrection of all inaccurate personal information, including addresses, employers, and names. \nProvision of updated credit reports from all three bureaus confirming these corrections. \nImplementation of statutory identity theft protections, including fraud alerts. \nComprehensive investigation and imposition of sanctions for failure to comply with FCRA and FDCPA mandated deadlines. \nImposition of appropriate fines or disciplinary actions against the bureaus for willful neglect of their legal obligations. \nSupporting Documentation Previously Submitted : Government-issued photo identification Social Security card Official police report documenting identity theft Proof of current residence Original dispute letters TO THE CREDITORS Declaration : I hereby affirm, under penalty of perjury, that all statements provided herein are truthful and accurate to the best of my knowledge. Due to the significant harm caused by the illegal actions of these bureaus and creditors, I request urgent intervention from the CFPB to enforce compliance with federal law, protect my consumer rights, and restore the integrity of my credit report.","date_sent_to_company":"2025-06-24T21:47:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89135","tags":null,"has_narrative":true,"complaint_id":"14263963","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-06-24T21:46:44.000Z","state":"NV","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>consumers</em> <em>bankruptcy</em> was dismissednot dischargedon XX/XX/2021, yet the mere presence of a dismissed <em>bankruptcy</em> on a credit report <em>after</em> that closing date is highly questionable. 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