{"took":173,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":533,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"19627169","_score":19.634619,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FTC REPORT XXXX XXXX XXXXXXXX My First & LAST name, My Street NUMBER & Street NAME and My City and State are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAY IS : XX/XX/XXXX PLEASE DELETE THE INACCURATE ADDRESSES BELOW : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Upon receipt of my credit report, I have identified the following item ( XXXX ) that contain inaccurate information : XXXX. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA XXXX ( a ) ( XXXX ) ( B ). If can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. \nXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. \nXXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. \nXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. \nXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. \nXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. This debt was included in bankruptcy. To cease violating the court orders and automatic stay, please remove immediately. \nXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA XXXX ( a ) ( XXXX ) ( B ). If can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. \nXXXX XXXX XXXX XX/XX/XXXX XXXX. Per my rights under the FCRA, please provide the contact information for the third party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. \nBankruptcy XXXX XXXXXXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-02-19T18:24:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32216","tags":null,"has_narrative":true,"complaint_id":"19627169","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2026-02-19T18:14:17.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This debt was included in <em>bankruptcy</em>. To cease violating the <em>court</em> orders and automatic stay, please <em>remove</em> immediately. \n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Date opened XX/XX/<em>XXXX</em> <em>XXXX</em>. This debt was included in <em>bankruptcy</em>. To cease violating the <em>court</em> orders and automatic stay, please <em>remove</em> immediately. \n<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> DATE OPENED XX/XX/<em>XXXX</em> <em>XXXX</em>. This debt was included in <em>bankruptcy</em>. To cease violating the <em>court</em> orders and automatic stay, please <em>remove</em> immediately."]},"sort":[19.634619,"19627169"]},{"_index":"complaint-public-v1","_id":"17820706","_score":19.24282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is reporting my XXXX  XXXX bankruptcy filed on XX/XX/XXXX, but the reporting is incomplete and misleading. My case ( reference number XXXX ) was dismissed by the U.S. Bankruptcy Court on XX/XX/XXXX. No repayment plan was ever confirmed, no confirmation hearing resulted in approval, and no debts were discharged. \n\nUnder the Fair Credit Reporting Act, public record information must be accurate, complete, and verifiable. TransUnion is not showing the dismissal date, the lack of a confirmed plan, or the fact that no discharge occurred. This creates a misleading impression of the legal status of the bankruptcy. \n\nI previously requested reinvestigation, but TransUnion did not correct the reporting. If TransUnion can not verify all required dismissal details directly with the U.S. Bankruptcy Court for the XXXX XXXX of Louisiana, the bankruptcy entry must be removed entirely.","date_sent_to_company":"2025-12-08T06:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"704XX","tags":null,"has_narrative":true,"complaint_id":"17820706","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-08T06:11:04.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["TransUnion is not showing the dismissal date, the <em>lack</em> of a confirmed plan, or the fact that no discharge occurred. This creates a misleading impression of the legal status of the <em>bankruptcy</em>. \n\nI previously requested reinvestigation, but TransUnion did not correct the reporting. If TransUnion can not verify all required dismissal details directly with the U.S. <em>Bankruptcy</em> <em>Court</em> for the <em>XXXX</em> <em>XXXX</em> of Louisiana, the <em>bankruptcy</em> entry must be <em>removed</em> entirely."]},"sort":[19.24282,"17820706"]},{"_index":"complaint-public-v1","_id":"2982269","_score":19.058771,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting verification of the following account that Equifax continues to report on my credit file : US Bankruptcy court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification XX/XX/2018. On XXXX XXXX I directly called the XXXX XXXX number listed on my report at XXXX and spoke with an agent who informed me that a security freeze was placed on my account as of XXXX XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. Might I also add the bankruptcies were deleted XX/XX/2018 HOWEVER Equifax added them back on my credit report without giving me a 5-day reinsertion notice which I have proof of and shows a clear violation on Equifax part on reporting accurate information. \nMight I also add on XXXX XXXX I directly called the number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent who advised me that my security freeze was confirmed and set into place XX/XX/2018. She also told me there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported XX/XX/2018. \nI demand that this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifaxs so-called verification on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX  CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. \nI have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is XXXX XXXX address and a statement saying, the account was verified. I demand that this unverified account : US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is PERMENANTLY DELETED FROM MY CREDIT FILE. \nI demand and request this public record US Bankruptcy Court- XXXX XXXX XXXX and US Bankruptcy court- XXXX # XXXX is removed/ DELETED PERMENANTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX XXXX agents assured me that Equifaxs XX/XX/2018 reported date and verification date DID NOT come from XXXX XXXX because they DO NOT disclose information on accounts with a security freeze placed on them. PLEASE HELP!","date_sent_to_company":"2018-08-06T05:49:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"2982269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-08-06T01:29:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["All they send is <em>XXXX</em> <em>XXXX</em> address and a statement saying, the account was verified. I demand that this unverified account : US <em>Bankruptcy</em> <em>Court</em>- <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and US <em>Bankruptcy</em> <em>court</em>- <em>XXXX</em> # <em>XXXX</em> is PERMENANTLY DELETED FROM MY CREDIT FILE. \nI demand and request this public record US <em>Bankruptcy</em> <em>Court</em>- <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and US <em>Bankruptcy</em> <em>court</em>- <em>XXXX</em> # <em>XXXX</em> is <em>removed</em>/ DELETED PERMENANTLY due to <em>lack</em> of verification and INACCURATE REPORTING OF VERIFICATION DATE."]},"sort":[19.058771,"2982269"]},{"_index":"complaint-public-v1","_id":"2869621","_score":19.008848,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX I created a dispute through XXXX  and Transunion in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. \nBeing that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my XXXX  report. The letter came back as a \" return to sender '' -invalid address in XX/XX/XXXX. \n\nWe would like this public record removed from my XXXX and Transunion report due to the error and lack of validity and errors when XXXXand Transunion investigated it.","date_sent_to_company":"2018-04-10T14:09:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"535XX","tags":null,"has_narrative":true,"complaint_id":"2869621","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-10T14:09:35.000Z","state":"WI","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":["We would like this public record <em>removed</em> from my <em>XXXX</em> and Transunion report due to the error and <em>lack</em> of validity and errors when XXXXand Transunion investigated it."]},"sort":[19.008848,"2869621"]},{"_index":"complaint-public-v1","_id":"2869622","_score":19.002424,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/XXXX I created a dispute through Equifax and XXXX  in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. \nBeing that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my Equifax report. The letter came back as a \" return to sender '' -invalid address in XX/XX/XXXX. \n\nWe would like this public record removed from my Equifax and XXXX report due to the error and lack of validity and errors when Equifaxand XXXX investigated it.","date_sent_to_company":"2018-04-10T14:09:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"535XX","tags":null,"has_narrative":true,"complaint_id":"2869622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-04-10T13:49:19.000Z","state":"WI","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["We would like this public record <em>removed</em> from my Equifax and <em>XXXX</em> report due to the error and <em>lack</em> of validity and errors when Equifaxand <em>XXXX</em> investigated it."]},"sort":[19.002424,"2869622"]},{"_index":"complaint-public-v1","_id":"3082573","_score":18.961887,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom it may concern, I sent in several disputes, disputing the inaccuracies of the bankruptcies on my credit report. The credit bureau sent a letter stating that the information was verified and has the US Bankruptcy Court as the address where the information was verified. I called and sent a letter to the US Bankruptcy court and they stated that they don't verify information with the credit bureaus. The credit report shows the liability amount as XXXX which is inaccurate and they have removed the bankruptcy and put it back on my report without a 10 day notice. Equifax has also deleted two other accounts off my credit report then put them back on. Those accounts are XXXX and XXXX XXXX XXXX XXXX. I am submitting the complaint due to lack of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer","date_sent_to_company":"2018-11-26T05:43:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"3082573","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-11-26T00:23:23.000Z","state":"MD","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The credit report shows the liability amount as <em>XXXX</em> which is inaccurate and they have <em>removed</em> the <em>bankruptcy</em> and put it back on my report without a 10 day notice. Equifax has also deleted two other accounts off my credit report then put them back on. Those accounts are <em>XXXX</em> and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. I am submitting the complaint due to <em>lack</em> of investigation into my original dispute. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer"]},"sort":[18.961887,"3082573"]},{"_index":"complaint-public-v1","_id":"4313417","_score":18.856216,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I noticed 2 bankruptcies on my Transunion reports in XXXX I trying contacting them about this unknown information, Bankruptcy # XXXX and Bankruptcy # XXXX, several times throughout XXXX to XXXX. In XXXX of XXXX they stated they verified with third party entity LexusNexus that the information is accurate. I thought they had to get all information from a original source. I then contacted XXXX and they provided me with my file on XX/XX/XXXX. The file they provided me a copy of my XXXX report has no Information about any bankruptcies. I once again notified Transunion about the lack of information and asked for it to be removed, TransUnion verified these items again. This time they said they verified the information with the court. So I contacted the court clerk by mail and they responded with a letter that stats the court does NOT verify any personal bankruptcy information with any reporting agency. \nI then filed a complaint to the CFPB and waited for a response. I sent the letter from the court to them and TransUnion still verified these items again with the court, H OW, they must prove this information is accurate. I don't think they are doing any investigation. \n\nHow is this possible after I have provided proof that they DID NOT VERIFIED THROUGH THE COURT, AND THERE IS NO BANKRUPTCY INFORMATION IN MY FILE FOR THE THIRD PARTY XXXX. I May have to take legal actions, because I believe my rights are being violated.","date_sent_to_company":"2021-04-21T08:56:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48221","tags":null,"has_narrative":true,"complaint_id":"4313417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-04-21T08:11:58.000Z","state":"MI","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":["The file they provided me a copy of my <em>XXXX</em> report has no Information about any <em>bankruptcies</em>. I once again notified Transunion about the <em>lack</em> of information and asked for it to be <em>removed</em>, TransUnion verified these items again. This time they said they verified the information with the <em>court</em>. So I contacted the <em>court</em> clerk by mail and they responded with a letter that stats the <em>court</em> does NOT verify any personal <em>bankruptcy</em> information with any reporting agency."]},"sort":[18.856216,"4313417"]},{"_index":"complaint-public-v1","_id":"12818917","_score":18.61339,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureau have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of item : XXXX  XXXX bankruptcy dismissed U.S. Bankruptcy Court Reference # : XXXX","date_sent_to_company":"2025-04-04T08:06:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60649","tags":null,"has_narrative":true,"complaint_id":"12818917","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-04T07:58:45.000Z","state":"IL","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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had <em>removed</em>. Due to your <em>lack</em> of response, or a response that I classify as frivolous, Credit Bureau have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of item : <em>XXXX</em>  <em>XXXX</em> <em>bankruptcy</em> dismissed U.S. <em>Bankruptcy</em> <em>Court</em> Reference # : <em>XXXX</em>"]},"sort":[18.61339,"12818917"]},{"_index":"complaint-public-v1","_id":"2184587","_score":18.417868,"_source":{"product":"Credit reporting","complaint_what_happened":"Re : Chapter XXXX Bankruptcy reported on my CR. \n\nThe US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. TransUnion has find information through third party research. \nI contacted Transunion by mail to provided me with copies of any documentation associated with this account \" BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to TransUnion. TransUnion failed to provide me with the requested information sending just a letter stating they \" VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. \nTransUnion Violated the law reporting information that they ca n't Validate with the Court stating that they \" verified '' the info with the furnisher and this is the court and the court does not provide any information to them. \n\nNo documentation were provide to me bearing my signature or how they verify the information. \nI formally request that this information be immediately deleted from my credit file TransUnion maintain under my Social Security number.","date_sent_to_company":"2016-10-29T01:23:15.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"32751","tags":null,"has_narrative":true,"complaint_id":"2184587","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2016-10-29T01:23:15.000Z","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"},"highlight":{"complaint_what_happened":["TransUnion failed to provide me with the requested information sending just a letter stating they \" VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US <em>Bankruptcy</em> Federal <em>Court</em>, I contacted the <em>court</em> and what I wrote at the beginning of this complaint was the <em>court</em> response. I sent the same request letter to <em>XXXX</em> and they <em>removed</em> the information from my report due to the <em>lack</em> of documentation."]},"sort":[18.417868,"2184587"]},{"_index":"complaint-public-v1","_id":"2184194","_score":18.408396,"_source":{"product":"Credit reporting","complaint_what_happened":"Re : Chapter XXXX Bankruptcy reported on my CR. \n\nThe US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. EXPERIAN has find information through third party research. \nI contacted Experian by mail to provided me with copies of any documentation associated with this account \" BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to Experian. Experian failed to provide me with the requested information sending just a letter stating they \" VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. \nExperian Violated the law reporting information that they ca n't Validate with the Court stating that they \" verified '' the info with the furnisher and this is the court and the court does not provide any information to them. \n\nNo documentation were provide to me bearing my signature or how they verify the information. \nI formally request that this information be immediately deleted from my credit file Experian maintain under my Social Security number.","date_sent_to_company":"2016-10-29T01:12:00.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"32751","tags":null,"has_narrative":true,"complaint_id":"2184194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-10-29T01:12:00.000Z","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"},"highlight":{"complaint_what_happened":["Experian failed to provide me with the requested information sending just a letter stating they \" VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US <em>Bankruptcy</em> Federal <em>Court</em>, I contacted the <em>court</em> and what I wrote at the beginning of this complaint was the <em>court</em> response. I sent the same request letter to <em>XXXX</em> and they <em>removed</em> the information from my report due to the <em>lack</em> of documentation."]},"sort":[18.408396,"2184194"]},{"_index":"complaint-public-v1","_id":"17069467","_score":18.33516,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax, Experian, and TransUnion continue to report a Federal Bankruptcy record that is unverifiable, inconsistent, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro2 compliance standards. Each bureau lists different case numbers, filing courts, and filing dates for what is purported to be the same bankruptcy, demonstrating a lack of verifiable data integrity. \n\nEquifax lists Case # XXXX, filed XX/XX/XXXX, labeled Federal. \n\nExperian lists Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX, court listed as XXXX XXXXXXXX XXXX XXXX XXXX. \n\nTransUnion lists Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX, court listed as U.S. Bankruptcy Court. \n\nThese differences violate XXXX Section 6.3, which mandates consistent and identical data reporting across repositories. The inconsistencies also violate FCRA 607 ( b ) ( requirement of maximum possible accuracy ) and 611 ( a ) ( requirement for a reasonable reinvestigation using verifiable sources ). \n\nLegal Basis of the Complaint The U.S. Bankruptcy Court does not furnish data to consumer reporting agencies. Both XXXX and XXXX XXXX XXXX XXXX ( XXXX ) have admitted under CFPB investigation that they obtain public records indirectly from PACER, a non-government vendor database, meaning they are secondary resellers without authority to verify or furnish consumer data. \n\nReporting unverifiable or inconsistent data constitutes FCRA violations under : 607 ( b ) : Failure to maintain maximum possible accuracy 611 ( a ) ( 1 ) : Failure to perform a reasonable reinvestigation 623 ( a ) ( 1 ) ( A ) : Furnishing data known to be inaccurate 604 : Lack of permissible purpose to continue publishing a discharged bankruptcy Furthermore, all three bureaus are in violation of CFPB Consent Orders ( XXXX ) which require them to verify all public records directly from the original court source or remove them entirely.","date_sent_to_company":"2025-11-06T20:28:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36116","tags":null,"has_narrative":true,"complaint_id":"17069467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-06T20:23:35.000Z","state":"AL","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>court</em> source or <em>remove</em> them entirely."]},"sort":[18.33516,"17069467"]},{"_index":"complaint-public-v1","_id":"17069989","_score":18.326994,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax, Experian, and TransUnion continue to report a Federal Bankruptcy record that is unverifiable, inconsistent, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro2 compliance standards. Each bureau lists different case numbers, filing courts, and filing dates for what is purported to be the same bankruptcy, demonstrating a lack of verifiable data integrity. \n\nEquifax lists Case # XXXX, filed XX/XX/XXXX, labeled Federal. \n\nExperian lists Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX, court listed as XXXX XXXXXXXX XXXX XXXX XXXX. \n\nTransUnion lists Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX, court listed as U.S. Bankruptcy Court. \n\nThese differences violate XXXX Section 6.3, which mandates consistent and identical data reporting across repositories. The inconsistencies also violate FCRA 607 ( b ) ( requirement of maximum possible accuracy ) and 611 ( a ) ( requirement for a reasonable reinvestigation using verifiable sources ). \n\nLegal Basis of the Complaint The U.S. Bankruptcy Court does not furnish data to consumer reporting agencies. Both XXXX and XXXX XXXX XXXX XXXX ( XXXX ) have admitted under CFPB investigation that they obtain public records indirectly from PACER, a non-government vendor database, meaning they are secondary resellers without authority to verify or furnish consumer data. \n\nReporting unverifiable or inconsistent data constitutes FCRA violations under : 607 ( b ) : Failure to maintain maximum possible accuracy 611 ( a ) ( 1 ) : Failure to perform a reasonable reinvestigation 623 ( a ) ( 1 ) ( A ) : Furnishing data known to be inaccurate 604 : Lack of permissible purpose to continue publishing a discharged bankruptcy Furthermore, all three bureaus are in violation of CFPB Consent Orders ( XXXX ) which require them to verify all public records directly from the original court source or remove them entirely.","date_sent_to_company":"2025-11-06T20:28:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36116","tags":null,"has_narrative":true,"complaint_id":"17069989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-06T20:27:40.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>court</em> source or <em>remove</em> them entirely."]},"sort":[18.326994,"17069989"]},{"_index":"complaint-public-v1","_id":"17069988","_score":18.326994,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Equifax, Experian, and TransUnion continue to report a Federal Bankruptcy record that is unverifiable, inconsistent, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro2 compliance standards. Each bureau lists different case numbers, filing courts, and filing dates for what is purported to be the same bankruptcy, demonstrating a lack of verifiable data integrity. \n\nEquifax lists Case # XXXX, filed XX/XX/XXXX, labeled Federal. \n\nExperian lists Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX, court listed as XXXX XXXXXXXX XXXX XXXX XXXX. \n\nTransUnion lists Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX, court listed as U.S. Bankruptcy Court. \n\nThese differences violate XXXX Section 6.3, which mandates consistent and identical data reporting across repositories. The inconsistencies also violate FCRA 607 ( b ) ( requirement of maximum possible accuracy ) and 611 ( a ) ( requirement for a reasonable reinvestigation using verifiable sources ). \n\nLegal Basis of the Complaint The U.S. Bankruptcy Court does not furnish data to consumer reporting agencies. Both XXXX and XXXX XXXX XXXX XXXX ( XXXX ) have admitted under CFPB investigation that they obtain public records indirectly from PACER, a non-government vendor database, meaning they are secondary resellers without authority to verify or furnish consumer data. \n\nReporting unverifiable or inconsistent data constitutes FCRA violations under : 607 ( b ) : Failure to maintain maximum possible accuracy 611 ( a ) ( 1 ) : Failure to perform a reasonable reinvestigation 623 ( a ) ( 1 ) ( A ) : Furnishing data known to be inaccurate 604 : Lack of permissible purpose to continue publishing a discharged bankruptcy Furthermore, all three bureaus are in violation of CFPB Consent Orders ( XXXX ) which require them to verify all public records directly from the original court source or remove them entirely.","date_sent_to_company":"2025-11-06T20:28:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"36116","tags":null,"has_narrative":true,"complaint_id":"17069988","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-06T20:27:40.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>court</em> source or <em>remove</em> them entirely."]},"sort":[18.326994,"17069988"]},{"_index":"complaint-public-v1","_id":"14621166","_score":18.326262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Request to remove from credit report based on non-verifiable To whom it ay concern : I am filing this formal complaint regarding inaccurate and unverifiable information on my credit reports maintained by Experian and XXXX  Both credit bureaus continue to report a bankruptcy despite multiple disputes and my submission of supporting documentation that proves the bankruptcy record can not be verified. \n\nI have obtained letters from both th bankruptcy court and Pacer ( Public Access to Court Electronic Records ) confirming that they do not verify bankruptcy information with credit reporting agencies. Additionally, they are not affiliated with XXXX XXXX or any third-party data furnisher. Therefore, the continued verification by Experian and Equifax lacks a valid source and violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that disputed information must be accurate and verifiable or it must be removed. \n\nDespite multiple disputes, both credit bureaus have stated that the information is verified, ut have failed to disclose how and through whom. This is a direct violation of my rights under the FCRA, and the presence of this inaccurate and unverifiable bankruptcy on my credit report is causing ongoing harm to my creditworthiness. \n\nI am requesting the CFPB to intervene and ensure this bankruptcy record is removed from both Experian and XXXX due to failure to verify the information with a reliable and original source. \n\nI have attached the following documentation for your review : Copy of the credit reports showing the bankruptcy listing Dispute letters to Experian Letter from bankruptcy court Letter from Pacer Proof that XXXX XXXX is not affiliated with bankruptcy court or Pacer Please investigate this matter and ensure my credit reports are corrected in accordance with the law. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-13T22:11:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31601","tags":null,"has_narrative":true,"complaint_id":"14621166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-13T21:58:44.000Z","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":["I have obtained letters from both th <em>bankruptcy</em> <em>court</em> and Pacer ( Public Access to <em>Court</em> Electronic Records ) confirming that they do not verify <em>bankruptcy</em> information with credit reporting agencies. Additionally, they are not affiliated with <em>XXXX</em> <em>XXXX</em> or any third-party data furnisher."]},"sort":[18.326262,"14621166"]},{"_index":"complaint-public-v1","_id":"13175180","_score":18.128239,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO : Consumer Financial Protection Bureau RE : Feedback and Objection to Incomplete Resolution CFPB Complaint ID : XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : Inadequate Response Company Failed to Remove Fraudulent Bankruptcy and Unauthorized Data ; No Monetary Relief Provided Dear CFPB, I am writing to provide formal feedback on the companys response to my complaint submitted on XX/XX/year>, regarding the fraudulent reporting of bankruptcy and unauthorized data sharing, primarily by TransUnion and XXXX. The response provided was not satisfactory and fails to resolve the core violations outlined in my original submission. I object to the case being closed with non-monetary relief for the following reasons : 1. Failure to Remove Fraudulent Bankruptcy Public Record Despite submitting : An official court letter stating the bankruptcy court does not report to any credit bureaus, A FTC affidavit declaring the bankruptcy report as fraudulent, And a XXXX Consumer Disclosure proving unauthorized data distribution, TransUnion merely verified as reported the bankruptcy notation from the USBK Court XXXXXXXX XXXX XXXX, which proves nothing except a recycling of unverified, third-party-supplied data. No court ever confirmed the bankruptcy directly to TransUnion or XXXX. \n\nThis is a clear FCRA violation ( 15 U.S.C. 1681e ( b ) and 1681b ) for reporting unverified and unauthorized information. I did not authorize this reporting, and no legitimate permissible purpose was established. \n\n2. No Accountability for XXXX Unauthorized Data Collection The response did not address or rectify the unauthorized collection and sale of my personal data by XXXX, nor was any confirmation provided that this data would be permanently removed. This is a direct violation of : Gramm-Leach-Bliley Act ( GLBA ) unlawful sharing of non-public personal information, Fair Credit Reporting Act ( FCRA ) lack of permissible purpose and unauthorized furnishing. \n\n3. No Monetary Relief for Financial and Emotional Harm The company failed to provide any monetary compensation, despite clear evidence that : The bankruptcy reporting is fraudulent, It caused damage to my reputation, and I incurred financial harm ( denied credit, increased interest rates, emotional distress ). \n\nUnder FCRA 1681n, I am entitled to actual, statutory, and punitive damages for willful noncompliance. The non-monetary label disregards the emotional and financial damage I suffered due to these unlawful practices. \n\n4. Lack of Transparency in Investigation The results allegedly sent via postal mail did not include a detailed explanation or copies of the documents used to verify the information. This lack of transparency undermines the legitimacy of the investigation and violates my rights under FCRA 1681i. \n\nREQUESTED ACTIONS I am formally requesting the CFPB to : Reopen and escalate this complaint. \n\nRequire TransUnion and XXXX to provide documentation verifying the origin of the bankruptcy data ( source, entity, date of acquisition ). \n\nOrder the deletion of any and all fraudulent or unverifiable public records and unauthorized personal data. \n\nMandate monetary compensation in accordance with 15 U.S.C. 1681n for the harm caused. \n\nI trust the CFPB will treat this matter with the urgency and gravity it demands. \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-04-25T07:27:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"103XX","tags":null,"has_narrative":true,"complaint_id":"13175180","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-25T07:22:58.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Failure to <em>Remove</em> Fraudulent <em>Bankruptcy</em> Public Record Despite submitting : An official <em>court</em> letter stating the <em>bankruptcy</em> <em>court</em> does not report to any credit bureaus, A FTC affidavit declaring the <em>bankruptcy</em> report as fraudulent, And a <em>XXXX</em> Consumer Disclosure proving unauthorized data distribution, TransUnion merely verified as reported the <em>bankruptcy</em> notation from the USBK <em>Court</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em>, which proves nothing except a recycling of unverified, third-party-supplied data."]},"sort":[18.128239,"13175180"]},{"_index":"complaint-public-v1","_id":"3873654","_score":18.101168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. \n\nI filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, Equifax and XXXX. \n\nBankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. \nThank you for your response. \n\nXXXX XXXX","date_sent_to_company":"2020-09-30T05:23:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95828","tags":"Servicemember","has_narrative":true,"complaint_id":"3873654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-09-30T05:23:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The credit bureaus are <em>XXXX</em>, Equifax and <em>XXXX</em>. \n\n<em>Bankruptcy</em> docket <em>XXXX</em>, was filed at the California <em>XXXX</em> <em>Bankruptcy</em> <em>Court</em>. I sent a letter to all three credit agencies regarding letter from <em>bankruptcy</em> <em>court</em> stating that the <em>court</em> does not report the <em>bankruptcy</em> on credit report ; it was purchased from a third party <em>XXXX</em>. What they verified is the it is on the credit report with all <em>court</em> information, but that is irrelevant and incorrect."]},"sort":[18.101168,"3873654"]},{"_index":"complaint-public-v1","_id":"3873635","_score":18.101168,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. \n\nI filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are TransUnion, XXXX  and XXXX. \n\nBankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. \nThank you for your response. \n\nXXXX XXXX","date_sent_to_company":"2020-09-30T05:23:18.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95828","tags":"Servicemember","has_narrative":true,"complaint_id":"3873635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-09-30T05:08:48.000Z","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":["The credit bureaus are TransUnion, <em>XXXX</em>  and <em>XXXX</em>. \n\n<em>Bankruptcy</em> docket <em>XXXX</em>, was filed at the California <em>XXXX</em> <em>Bankruptcy</em> <em>Court</em>. I sent a letter to all three credit agencies regarding letter from <em>bankruptcy</em> <em>court</em> stating that the <em>court</em> does not report the <em>bankruptcy</em> on credit report ; it was purchased from a third party <em>XXXX</em>. What they verified is the it is on the credit report with all <em>court</em> information, but that is irrelevant and incorrect."]},"sort":[18.101168,"3873635"]},{"_index":"complaint-public-v1","_id":"3874064","_score":18.100319,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. \n\nI filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, XXXX  and Experian. \n\nBankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. \nThank you for your response. \n\nXXXX XXXX","date_sent_to_company":"2020-09-30T05:23:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"95828","tags":"Servicemember","has_narrative":true,"complaint_id":"3874064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-09-30T05:23:27.000Z","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":["The credit bureaus are <em>XXXX</em>, <em>XXXX</em>  and Experian. \n\n<em>Bankruptcy</em> docket <em>XXXX</em>, was filed at the California <em>XXXX</em> <em>Bankruptcy</em> <em>Court</em>. I sent a letter to all three credit agencies regarding letter from <em>bankruptcy</em> <em>court</em> stating that the <em>court</em> does not report the <em>bankruptcy</em> on credit report ; it was purchased from a third party <em>XXXX</em>. What they verified is the it is on the credit report with all <em>court</em> information, but that is irrelevant and incorrect."]},"sort":[18.100319,"3874064"]},{"_index":"complaint-public-v1","_id":"5024462","_score":18.08528,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 I wrote a letter to Equifax requesting the verification method for the Bankruptcy which is reporting on my credit report, in the letter I requested if the method of verification is not completed to remove the account from my credit report. The same date I also sent a letter to the bankruptcy court listed on my credit report requesting verification of such and I have received a response, The bankruptcy can not be verified as of todays date I have not received an adequate response from Equifax. Under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification, the credit bureau must provide the method within 15 day of my request. I am requesting the bankruptcy be deleted based on the credit bureau lack of compliance with the method of verification. The letter was also sent via certified mail and I have the original receipt showing the exact date and confirmation when I sent the letter to the court and to Equifax.","date_sent_to_company":"2021-12-20T15:39:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"278XX","tags":null,"has_narrative":true,"complaint_id":"5024462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-12-20T15:27:28.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On <em>XX/XX</em>/2021 I wrote a letter to Equifax requesting the verification method for the <em>Bankruptcy</em> which is reporting on my credit report, in the letter I requested if the method of verification is not completed to <em>remove</em> the account from my credit report."]},"sort":[18.08528,"5024462"]},{"_index":"complaint-public-v1","_id":"14286256","_score":18.005339,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is reporting a XXXX  XXXX bankruptcy on my credit report that is fraudulent, inaccurately attributed to me, and not mine. I formally disputed this record under FCRA 605B, submitting all required documentation, including a valid FTC Identity Theft Report, government-issued ID, proof of address, and a signed statement declaring the bankruptcy was falsely associated with my identity. \n\nThe bankruptcy was filed on XX/XX/year> in the U.S. Bankruptcy Court, Southern District of California XXXX XXXX, but I was not the filer. The U.S. Bankruptcy Court does not report consumer data to TransUnion, and TransUnion has failed to provide proof of how this record was verified. This is a serious violation of FCRA 605B, and their continued reporting of it is unlawful. \n\nDespite receiving formal legal notice, TransUnion has not removed the bankruptcy, causing me significant harm including denial of housing, credit rejections, higher interest rates, and emotional distress. XXXX  has already deleted this record after reviewing the same documentation, proving that TransUnion is acting with willful negligence and noncompliance. \n\nTransUnions ongoing failure to delete this bankruptcy demonstrates gross disregard for consumer protection laws and a lack of integrity in their data handling practices.","date_sent_to_company":"2025-06-25T18:29:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92081","tags":null,"has_narrative":true,"complaint_id":"14286256","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T18:28:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Bankruptcy</em> <em>Court</em>, Southern District of California <em>XXXX</em> <em>XXXX</em>, but I was not the filer. The U.S. <em>Bankruptcy</em> <em>Court</em> does not report consumer data to TransUnion, and TransUnion has failed to provide proof of how this record was verified. This is a serious violation of FCRA 605B, and their continued reporting of it is unlawful."]},"sort":[18.005339,"14286256"]},{"_index":"complaint-public-v1","_id":"14287039","_score":17.981056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is reporting a XXXX  XXXX bankruptcy on my credit report that is fraudulent, inaccurately attributed to me, and not mine. I formally disputed this record under FCRA 605B, submitting all required documentation, including a valid FTC Identity Theft Report, government-issued ID, proof of address, and a signed statement declaring the bankruptcy was falsely associated with my identity. \n\nThe bankruptcy was filed on XX/XX/year> in the U.S. Bankruptcy Court, Southern District of California XXXX XXXX, but I was not the filer. The U.S. Bankruptcy Court does not report consumer data to TransUnion, and TransUnion has failed to provide proof of how this record was verified. This is a serious violation of FCRA 605B, and their continued reporting of it is unlawful. \n\nDespite receiving formal legal notice, TransUnion has not removed the bankruptcy, causing me significant harm including denial of housing, credit rejections, higher interest rates, and emotional distress. XXXX  has already deleted this record after reviewing the same documentation, proving that TransUnion is acting with willful negligence and noncompliance. \n\nTransUnions ongoing failure to delete this bankruptcy demonstrates gross disregard for consumer protection laws and a lack of integrity in their data handling practices.","date_sent_to_company":"2025-06-25T18:29:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92081","tags":null,"has_narrative":true,"complaint_id":"14287039","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T18:17:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Bankruptcy</em> <em>Court</em>, Southern District of California <em>XXXX</em> <em>XXXX</em>, but I was not the filer. The U.S. <em>Bankruptcy</em> <em>Court</em> does not report consumer data to TransUnion, and TransUnion has failed to provide proof of how this record was verified. This is a serious violation of FCRA 605B, and their continued reporting of it is unlawful."]},"sort":[17.981056,"14287039"]},{"_index":"complaint-public-v1","_id":"14286255","_score":17.981056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TransUnion is reporting a XXXX  XXXX bankruptcy on my credit report that is fraudulent, inaccurately attributed to me, and not mine. I formally disputed this record under FCRA 605B, submitting all required documentation, including a valid FTC Identity Theft Report, government-issued ID, proof of address, and a signed statement declaring the bankruptcy was falsely associated with my identity. \n\nThe bankruptcy was filed on XX/XX/year> in the U.S. Bankruptcy Court, Southern District of California XXXX XXXX, but I was not the filer. The U.S. Bankruptcy Court does not report consumer data to TransUnion, and TransUnion has failed to provide proof of how this record was verified. This is a serious violation of FCRA 605B, and their continued reporting of it is unlawful. \n\nDespite receiving formal legal notice, TransUnion has not removed the bankruptcy, causing me significant harm including denial of housing, credit rejections, higher interest rates, and emotional distress. XXXX  has already deleted this record after reviewing the same documentation, proving that TransUnion is acting with willful negligence and noncompliance. \n\nTransUnions ongoing failure to delete this bankruptcy demonstrates gross disregard for consumer protection laws and a lack of integrity in their data handling practices.","date_sent_to_company":"2025-06-25T18:29:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"92081","tags":null,"has_narrative":true,"complaint_id":"14286255","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-25T18:28:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Bankruptcy</em> <em>Court</em>, Southern District of California <em>XXXX</em> <em>XXXX</em>, but I was not the filer. The U.S. <em>Bankruptcy</em> <em>Court</em> does not report consumer data to TransUnion, and TransUnion has failed to provide proof of how this record was verified. This is a serious violation of FCRA 605B, and their continued reporting of it is unlawful."]},"sort":[17.981056,"14286255"]},{"_index":"complaint-public-v1","_id":"2371620","_score":17.95208,"_source":{"product":"Credit reporting","complaint_what_happened":"I have been requesting a copy of the verification from \" Transunion Credit Bureau '' for the Chapter XXXX Bankruptcy Discharge ( Docket # XXXX ). I contacted the US Bankruptcy court and was informed that they don not deal with credit reporting agencies. That they have there own sources to place inquiries on my consumer report. I have place Security Freeze back in XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, so I am not understanding how Transunion was able to verified. So on Letter Date XX/XX/XXXX, I had a Freeze on third consumer filed. I demand that this public record for Chapter XXXX Bankruptcy # XXXX be removed from my file due to lack of verification and inaccurate reporting of verification was date XX/XX/XXXX. I have requested three time that Transunion provide proof of verification as of today, I have not receive the documentation shown proof of verification. \nI request and demand that this public record Bankruptcy ( XXXX ) be removed/ permanently deleted due to lack of verification and inaccurate reporting of verification date. Because third party consumer DO NOT disclose information on accounts with a security freeze placed on them. Please assist me with the above issue.","date_sent_to_company":"2017-03-05T02:05:26.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"2371620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-03-05T02:05:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["So on Letter Date XX/XX/<em>XXXX</em>, I had a Freeze on third consumer filed. I demand that this public record for Chapter <em>XXXX</em> <em>Bankruptcy</em> # <em>XXXX</em> be <em>removed</em> from my file due to <em>lack</em> of verification and inaccurate reporting of verification was date XX/XX/<em>XXXX</em>. I have requested three time that Transunion provide proof of verification as of today, I have not receive the documentation shown proof of verification."]},"sort":[17.95208,"2371620"]},{"_index":"complaint-public-v1","_id":"15285534","_score":17.921597,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Bankruptcy Information Reported by Equifax Dear CFPB Representative, I am writing to formally dispute inaccurate and unverifiable bankruptcy information currently being reported by Equifax on my credit report. This entry is causing undue harm to my creditworthiness and contains multiple errors that I respectfully request be investigated and corrected. \nUpon review, I believe this information is inaccurate for the following reasons : 1. The bankruptcy disposition is listed as XXXX FILED, but there is no record of a confirmed or completed XXXX  XXXX bankruptcy under my name. \n2. The date reported and verified ( XX/XX/XXXX ) is inconsistent with the actual filing date ( XX/XX/XXXX ), and no updated disposition has been provided. \n3. The listing lacks clarity on exempt amounts, asset amounts, and disposition status, which creates confusion and misrepresents my financial history. \nIssues with the Reported Information : Below are the disputed details as reported : Date Filed : XX/XX/XXXX Bankruptcy Disposition : XXXX FILED Liabilities : Joint Current Disposition Date : [ Not specified ] Exempt Amount : [ Not specified ] Comments : [ Not specified ] Case Number : XXXX Date Reported : XX/XX/XXXX Court Number/Name : XXXX / XXXX  Bankruptcy Court XXXX XXXX XXXX XXXX XXXX Individual Asset Amount : [ Not specified ] Date Verified : XX/XX/XXXX Prior Disposition : Unknown Agency Contact Information : XXXX Bankruptcy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX 1. Incorrect Court Address : The address listed for the XXXX Bankruptcy XXXX in XXXX, XXXX XXXX inaccurate and does not correspond to any verified federal court location. \n2. Unverifiable Bankruptcy : XXXX  has already deemed this bankruptcy as unverifiable and removed it from my credit file. This raises serious concerns about the validity of the data Equifax continues to report. \n3. Missing or Incomplete Disposition Details : The entry lacks a current disposition date, exempt amount, and asset amount, making it incomplete and misleading.\n\n4. No Supporting Documentation : I have not received any documentation from Equifax substantiating this bankruptcy claim despite multiple requests. \nRequested Action : I respectfully request that the CFPB investigate this matter and instruct Equifax to : Remove or correct the inaccurate bankruptcy entry. \nVerify the legitimacy of the court information and case details. \nAlign their reporting with XXXX findings, which have already deemed the bankruptcy unverifiable. \nI am enclosing a copy of my credit report highlighting the disputed entry, along with XXXX correspondence confirming removal due to unverifiability. \nThank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure the accuracy and fairness of consumer credit reporting. \nSincerely, XXXX XXXX XXXX.","date_sent_to_company":"2025-08-14T20:13:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"390XX","tags":null,"has_narrative":true,"complaint_id":"15285534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-14T20:06:41.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Incorrect <em>Court</em> Address : The address listed for the <em>XXXX</em> <em>Bankruptcy</em> <em>XXXX</em> in <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> inaccurate and does not correspond to any verified federal <em>court</em> location. \n2. Unverifiable <em>Bankruptcy</em> : <em>XXXX</em>  has already deemed this <em>bankruptcy</em> as unverifiable and <em>removed</em> it from my credit file. This raises serious concerns about the validity of the data Equifax continues to report. \n3."]},"sort":[17.921597,"15285534"]},{"_index":"complaint-public-v1","_id":"14620829","_score":17.85112,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Request to remove from credit report based on non-verifiable To whom it ay concern : I am filing this formal complaint regarding inaccurate and unverifiable information on my credit reports maintained by XXXX and Equifax. Both credit bureaus continue to report a bankruptcy despite multiple disputes and my submission of supporting documentation that proves the bankruptcy record can not be verified. \n\nI have obtained letters from both th bankruptcy court and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) confirming that they do not verify bankruptcy information with credit reporting agencies. Additionally, they are not affiliated with XXXX XXXX or any third-party data furnisher. Therefore, the continued verification by XXXX and Equifax lacks a valid source and violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that disputed information must be accurate and verifiable or it must be removed. \n\nDespite multiple disputes, both credit bureaus have stated that the information is verified, ut have failed to disclose how and through whom. This is a direct violation of my rights under the FCRA, and the presence of this inaccurate and unverifiable bankruptcy on my credit report is causing ongoing harm to my creditworthiness. \n\nI am requesting the CFPB to intervene and ensure this bankruptcy record is removed from both Experian and Equifax due to failure to verify the information with a reliable and original source. \n\nI have attached the following documentation for your review : Copy of the credit reports showing the bankruptcy listing Letter from bankruptcy court Letter from Pacer Proof that XXXX XXXX is not affiliated with bankruptcy court or Pacer Please investigate this matter and ensure my credit reports are corrected in accordance with the law. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-07-13T22:18:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"31601","tags":null,"has_narrative":true,"complaint_id":"14620829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-13T22:13:26.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have attached the following documentation for your review : Copy of the credit reports showing the <em>bankruptcy</em> listing Letter from <em>bankruptcy</em> <em>court</em> Letter from Pacer Proof that <em>XXXX</em> <em>XXXX</em> is not affiliated with <em>bankruptcy</em> <em>court</em> or Pacer Please investigate this matter and ensure my credit reports are corrected in accordance with the law. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[17.85112,"14620829"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":533,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":533}]}},"product":{"doc_count":533,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":390,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":384},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":67,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":67}]}},{"key":"Mortgage","doc_count":32,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home 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