{"took":325,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":141,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4785860","_score":30.692947,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 I sent a letter via USPS to XXXX in regards to the bankruptcy listed on my XXXX report. In response I received a letter back on XX/XX/2021 stating that XXXX verified the \" alleged '' bankruptcies through LCI. However on LCI website, they explicitly state \" LCI DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if LCI is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? LCI claims they get information from PACER, but PACER doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these \" bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these \" bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. XXXX in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.","date_sent_to_company":"2021-10-06T22:03:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32174","tags":null,"has_narrative":true,"complaint_id":"4785860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Verisk Analytics Inc","date_received":"2021-10-06T22:03:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Provide exact proof on how these \" <em>bankruptcies</em> '' were <em>verified</em> as <em>accurate</em> <em>showing</em> <em>FULL</em> <em>SOCIAL</em> <em>SECURITY</em> NUMBER as proof. XXXX in return sent in information only <em>showing</em> the last four of a <em>social</em> <em>security</em> number, which is NOT <em>verification</em>. Items are unverified if <em>full</em> <em>social</em> <em>security</em> number is not shown. XXXX is not a for profit company thus does not supply <em>full</em> <em>social</em> <em>security</em> numbers nor information to 3rd party companies."]},"sort":[30.692947,"4785860"]},{"_index":"complaint-public-v1","_id":"4785767","_score":30.686638,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 I sent a letter via XXXX to XXXXS in regards to the bankruptcy listed on my ARS report. In response I received a letter back on XX/XX/2021 stating that ARS verified the \" alleged '' bankruptcies through XXXX. However on XXXX website, they explicitly state \" XXXX DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if XXXX is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? XXXX claims they get information from XXXX, but XXXX  doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these \" bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these \" bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. ARS in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.","date_sent_to_company":"2021-10-06T22:03:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32174","tags":null,"has_narrative":true,"complaint_id":"4785767","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2021-10-06T21:28:57.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Provide exact proof on how these \" <em>bankruptcies</em> '' were <em>verified</em> as <em>accurate</em> <em>showing</em> <em>FULL</em> <em>SOCIAL</em> <em>SECURITY</em> NUMBER as proof. ARS in return sent in information only <em>showing</em> the last four of a <em>social</em> <em>security</em> number, which is NOT <em>verification</em>. Items are unverified if <em>full</em> <em>social</em> <em>security</em> number is not shown. XXXX is not a for profit company thus does not supply <em>full</em> <em>social</em> <em>security</em> numbers nor information to 3rd party companies."]},"sort":[30.686638,"4785767"]},{"_index":"complaint-public-v1","_id":"7072016","_score":24.576576,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  on XX/XX/XXXX I spoke with XXXX XXXX at XXXX whom claimed he was a US representative for XXXX. He told me that although I sent in my police report and a notarized copy of my FTC report that they will not remove or dispute a \" Bankruptcy '' as fraud. I let him know that I am a severe victim of identity theft and that the address and phone number associated with that bankruptcy is not mine and if I can't dispute it for what it is ( fraud ) then I want to dispute it as inaccurate. He said I can't dispute it as inaccurate because it is accurate, I asked him how was it accurate if I never lived at that address or had the phone number? He said XXXX got the last four digits of my social from XXXX and thats how they connected it to me. I asked how can I be verified if my whole social wasn't used and he got loud and aggressive with me and said he won't be disputing it as inaccurate. I told him XXXX XXXX even contacted them to update the report as they removed the \" bankruptcy '' because they couldn't verify that it was mine, he said anything filed before XXXX is reported by XXXX but on the XXXX website it says anything filed after XX/XX/XXXX is reported to XXXX and the \" bankruptcy '' is reported filed on XX/XX/XXXX on my report. I then told him that according to the FCRA they have to verify with the original source not third party agencies and the courthouse does not do verifications to the credit bureau and neither does XXXX ( which is a third party as well as XXXX ) he just kept saying there was nothing I can do. My rights have been violated all the way with XXXX, downloading a document from XXXX  that only has the last four of a social and doesn't even have my actual address or phone number is not proper, ethical, or legal validation. If they did not physically receive documents from the source with my FULL SOCIAL SECURITY NUMBER AND CORRECT ADDRESS AND PHONE NUMBER, this is NOT A VERIFIED ITEM, MEANING IT MUST BE IMMEDIATELY REMOVED. Especially with a police report and notarized FTC report. They need to provide me with exact proof of how this \" bankruptcy '' was verified accurate SHOWING MY FULL SOCIAL SECURITY NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. XXXX is a not for profit company that does not provide full social security numbers nor information to third parties. XXXX is not the XXXX XXXX California Bankruptcy Court so the information was not verified from the source. At this point the representatives are not doing their due diligence by not attaching my police report and notarized FTC report to my disputes, refusing to dispute as inaccurate, and are just going off of their personal opinions, biases, and thoughts. He flat out denied me my due process by not attaching my documents to the dispute and by insisting that a THIRD PARTY VALIDATION IS ENOUGH TO DENY MY DISPUTE WHEN ACCORDING TO THE FCRA THE VERIFICATION HAS TO COME FROM THE SOURCE AND NOT A THIRD PARTY. XXXX XXXX was very rude and even mocked me when I told him I may have to get a lawyer. He told me to contact the attorney general if I wanted to, just very rude and nasty while blatantly violating my rights! That \" bankruptcy '' should have been deleted based on the fact I provided my police report, notarized FTC report, XXXX XXXX  contacted them to have them remove it, they did not validate from the source but through a third party, the address and phone number associated with the \" bankruptcy \" I have never lived at or used, and the FCRA protects me from the credit bureaus utilizing these types of PREDATORY practices. This is an injustice and XXXX should not be allowed to get away with violating my rights.","date_sent_to_company":"2023-06-06T03:15:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"7072016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade CISS Holdings, LLC","date_received":"2023-06-06T03:14:58.000Z","state":"CA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["They need to provide me with exact proof of how this \" <em>bankruptcy</em> '' was <em>verified</em> <em>accurate</em> <em>SHOWING</em> MY <em>FULL</em> <em>SOCIAL</em> <em>SECURITY</em> NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. XXXX is a not for profit company that does not provide <em>full</em> <em>social</em> <em>security</em> numbers nor information to third parties. XXXX is not the XXXX XXXX California <em>Bankruptcy</em> Court so the information was not <em>verified</em> from the source."]},"sort":[24.576576,"7072016"]},{"_index":"complaint-public-v1","_id":"7071843","_score":24.576576,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Today on XX/XX/XXXXXXXX  I spoke with XXXX XXXX at Transunion whom claimed he was a XXXX representative for TransUnion. He told me that although I sent in my police report and a notarized copy of my FTC report that they will not remove or dispute a \" Bankruptcy '' as fraud. I let him know that I am a severe victim of identity theft and that the address and phone number associated with that bankruptcy is not mine and if I can't dispute it for what it is ( fraud ) then I want to dispute it as inaccurate. He said I can't dispute it as inaccurate because it is accurate, I asked him how was it accurate if I never lived at that address or had the phone number? He said XXXX got the last four digits of my social from Pacer and thats how they connected it to me. I asked how can I be verified if my whole social wasn't used and he got loud and aggressive with me and said he won't be disputing it as inaccurate. I told him XXXX XXXX even contacted them to update the report as they removed the \" bankruptcy '' because they couldn't verify that it was mine, he said anything filed before XXXX is reported by XXXX but on the Transunion website it says anything filed after XX/XX/XXXXXXXX  is reported to XXXX and the \" bankruptcy '' is reported filed on XX/XX/XXXXXXXX  on my report. I then told him that according to the FCRA they have to verify with the original source not third party agencies and the courthouse does not do verifications to the credit bureau and neither does XXXX ( which is a third party as well as XXXX ) he just kept saying there was nothing I can do. My rights have been violated all the way with Transunion, downloading a document from PACER that only has the last four of a social and doesn't even have my actual address or phone number is not proper, ethical, or legal validation. If they did not physically receive documents from the source with my FULL SOCIAL SECURITY NUMBER AND CORRECT ADDRESS AND PHONE NUMBER, this is NOT A VERIFIED ITEM, MEANING IT MUST BE IMMEDIATELY REMOVED. Especially with a police report and notarized FTC report. They need to provide me with exact proof of how this \" bankruptcy '' was verified accurate SHOWING MY FULL SOCIAL SECURITY NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. PACER is a not for profit company that does not provide full social security numbers nor information to third parties. XXXX is not the XXXX XXXX California Bankruptcy Court so the information was not verified from the source. At this point the representatives are not doing their due diligence by not attaching my police report and notarized FTC report to my disputes, refusing to dispute as inaccurate, and are just going off of their personal opinions, biases, and thoughts. He flat out denied me my due process by not attaching my documents to the dispute and by insisting that a THIRD PARTY VALIDATION IS ENOUGH TO DENY MY DISPUTE WHEN ACCORDING TO THE FCRA THE VERIFICATION HAS TO COME FROM THE SOURCE AND NOT A THIRD PARTY. XXXX XXXX was very rude and even mocked me when I told him I may have to get a lawyer. He told me to contact the attorney general if I wanted to, just very rude and nasty while blatantly violating my rights! That \" bankruptcy '' should have been deleted based on the fact I provided my police report, notarized FTC report, lexis nexus contacted them to have them remove it, they did not validate from the source but through a third party, the address and phone number associated with the \" bankruptcy \" I have never lived at or used, and the FCRA protects me from the credit bureaus utilizing these types of PREDATORY practices. This is an injustice and Transunion should not be allowed to get away with violating my rights.","date_sent_to_company":"2023-06-06T03:14:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90404","tags":null,"has_narrative":true,"complaint_id":"7071843","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-06T02:28:58.000Z","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 need to provide me with exact proof of how this \" <em>bankruptcy</em> '' was <em>verified</em> <em>accurate</em> <em>SHOWING</em> MY <em>FULL</em> <em>SOCIAL</em> <em>SECURITY</em> NUMBER, CORRECT ADDRESS, AND CORRECT PHONE NUBER FROM THE ORIGINAL SOURCE OF THE INFORMATION NOT A THIRD PARTY AGENCY. PACER is a not for profit company that does not provide <em>full</em> <em>social</em> <em>security</em> numbers nor information to third parties. XXXX is not the XXXX XXXX California <em>Bankruptcy</em> Court so the information was not <em>verified</em> from the source."]},"sort":[24.576576,"7071843"]},{"_index":"complaint-public-v1","_id":"3413134","_score":24.551044,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Over the last year or so i have been disputing Lexis Nexis on the claim that on my public record on my credit report. They have  reported my bankruptcy on my XXXX and my XXXX credit report since XX/XX/2016 and through when i got discharge in XX/XX/2016. On my credit report listed under the public record part and it shows on my credit report that they were the source that the credit bureau receive my bankruptcy information. Recently i have disputed this with Lexis Nexis to disputed the bankruptcy and it comes back with no change at all. i disputed my public record with the credit reporting agency XXXX and XXXX XXXX stating that there  were in accuracy on the bankruptcy on my credit report and also why would a bankruptcy appear on ones credit report i thought if there were any issue on how it was put on how do we dispute this and get it remove. i reach out to the court house where my bankruptcy was done and i was told in person and they mail me a letter out that state that the bankruptcy court does not verify bankruptcy to anyone. They dont dispute bankruptcy through third party agency or through the credit bureau. Each ones bankruptcy is mask and it only shows the last 4 digit number of ones social security number. So i send off a email to pacer and they sent me email back that state pacer does not directly verify federal case information to third parties by phone fax or email. it also states this information does not included ones full social security number .All that may be accessed through pacer are the last 4 digits of ones social security number which pacer phone number is XXXX. ON my XXXX credit report it shows under public record as the court house usbkpt ct va XXXX  On my XXXX XXXX   credit report under the public record usbk court XXXX virginia. There are some issue on how this was put on my credit report and there are some other issues ON MY XXXX XXXX CREDIT REPORT IT SHOWING THE WRONG DATE FILED AND WRONF DATE PAID AND UPDATED. .ON XXXX  IT SHOWING ADDRESS ID UNDER THIS AS XXXX. THE ADDRESS ID IS NOT RIGHT.. UNDER PURSUANT TO 15 USC 1681 LEXIS NEXIS MUST IDENTIFY THE IMMEDIATE SUPPLIER OF THE INFORMATION REPORTED IN ORDER TO ACCURATE IDENTIFY THE SOURCE OF THE INFORMATION ON A CREDIT REPORT.. THE INFORMATION WAS NOT SUPPLY BY THE COURTHOUSE. AS A CONSUMER I MUST BE ABLE TO DIRECTLY DISPUTE INACCURATE INFORMATION. THIS BANKRUPTCY SHOULD BE REMOVE OFF OF MY CREDIT REPORT WITH MANY INACCURATE INFORMATION.","date_sent_to_company":"2019-10-21T22:48:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"22191","tags":null,"has_narrative":true,"complaint_id":"3413134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2019-10-21T21:35:46.000Z","state":"VA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["So i send off a email to pacer and they sent me email back that state pacer does not directly <em>verify</em> federal case information to third parties by phone fax or email. it also states this information does not included ones <em>full</em> <em>social</em> <em>security</em> number .All that may be accessed through pacer are the last 4 digits of ones <em>social</em> <em>security</em> number which pacer phone number is XXXX."]},"sort":[24.551044,"3413134"]},{"_index":"complaint-public-v1","_id":"5213821","_score":24.19448,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX about XXXX alleged bankruptcy that is listed on my profile. They just now got back to me about this month XX/XX/XXXX which was too long of response and they said it was verified through a third party XXXX XXXX and pacer but not the original source and did not do personal interviews. \n\nAlso, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information.","date_sent_to_company":"2022-02-12T06:04:40.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77042","tags":null,"has_narrative":true,"complaint_id":"5213821","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-12T00:47:58.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["You were to do an audit on this, you will find as true and <em>accurate</em>. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to <em>verify</em> on pacer when it does not show <em>full</em> <em>social</em> <em>security</em> number, date of birth, and other personal information."]},"sort":[24.19448,"5213821"]},{"_index":"complaint-public-v1","_id":"5213842","_score":23.805765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX  about XXXX alleged bankruptcy that is listed on my profile. They said it was verified through a third-party XXXX XXXX and pacer but not the original source and did not do personal interviews. They are violating my rights as those items are not mine plus more than XXXX days about this issue. \n\nXXXX XXXX removed it and I told Experian and they still said it was verified. \n\nAlso, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information. \n\nI'm not sure why they said it's accurate but did not verify the correct way and that still shows invalid unverifiable, and inaccurate information.","date_sent_to_company":"2022-02-12T06:16:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77042","tags":null,"has_narrative":true,"complaint_id":"5213842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-12T01:05:52.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Also, I sent documentation <em>showing</em> the court did not <em>verify</em> and dates letters were sent. You were to do an audit on this, you will find as true and <em>accurate</em>. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to <em>verify</em> on pacer when it does not show <em>full</em> <em>social</em> <em>security</em> number, date of birth, and other personal information."]},"sort":[23.805765,"5213842"]},{"_index":"complaint-public-v1","_id":"3920357","_score":21.914255,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attempted on numerous occasions, to have LexisNexis verify Bankruptcy information listed on my LexisNexis Consumer Risk Report and what methods used to verify the information. \n\nMost recently I mailed a letter through USPS Certified Mail with Tracking information to LexisNexis ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). This letter was in response to a letter I received from LexisNexis dated XX/XX/XXXX, stating the Bankruptcy Case # XXXX was received and/or reported from Public Access to Court Electronic Records ( PACER ). The letter also stated that my full social security number was reported by PACER  and various sources including the nationwide consumer reporting agencies. This letter has the exact same language and as the letter, I received on XX/XX/XXXX ( See Attached Letter titled : LexisNexis CFPB Response XXXX ). \n\nThe nationwide consumer credit reporting agencies, XXXX, XXXX, and XXXX  state the information regarding the bankruptcy is obtained from LexisNexis. After multiple contacts to the XXXX, XXXX, and XXXX, the nationwide credit reporting agencies, All confirmed on numerous occasions the bankruptcy information provided to them whether sold or free is verified through LexisNexis. In addition to this, the nationwide credit reporting agencies, XXXX, XXXX, and XXXX  along with PACER  do not list the full social security number. See Bankruptcy Rule 9037.. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings ( See Attached Letter titled : LexisNexis Bankruptcy Dispute XXXX ). \n\nI have attached copies of the letters I have sent to and received from LexisNexis. I have also attached a copy of the letter I received from the XXXX XXXX  XXXX, XXXX XXXX XXXX Ohio, XXXX, that states no information is reported to the Credit Reporting Agencies. This contradicts what LexisNexis is now saying in the letter I received dated XXXX XXXX : \" We have verified that our Lawsuits, Civil Filings, Judgements and Lein Records are accurate based upon your Filing Number XXXX ( redacted ), after contacting XXXX  XXXX - XXXX XXXX Please contact the court directly if they need to update their records. '' In the letter dated XX/XX/XXXX and XX/XX/XXXX, LexisNexis states \" Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. \n\nThey also state \" Please be aware that LexisNexis Risk Data Retrieval Services LLC ( LexisNexis XXXX XXXX ), a LexisNexis Company, sells public records to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX. LexisNexis RetrievalServices role is limited to providing the consumer reporting agencies data it retrieves from bankruptcy, judgments, and liens public records from primary sources in bulk. LexisNexis Retrieval Services has no role in determining what public records relate to which consumer. The consumer reporting agency determines whether to include a particular public record in a specific consumers credit file, not LexisNexis Retrieval Services ''. \n\nAs stated in previous disputes and complaints both with LexisNexis directly as well as with CFPB, XXXX, XXXX, and XXXX  obtain bankruptcy information from LexisNexis who is telling them the bankruptcy information is accurate without properly verifying the information. LexisNexis has not verified the bankruptcy information because they are unable to. They were first saying they verified the bankruptcy information with PACER  using my full social security number and an address that I have disputed with and has removed from XXXX, XXXX, and XXXX. I have also disputed this address with LexisNexis and they have not removed it. They are also saying they verified the bankruptcy information with the courts directly listing \" OHIO XXXX '' as the court name which is also inaccurate. \n\nLexisNexis has not provided me any documentation to show how they verified the bankruptcy information. \n\nIf the information was provided by and verified with the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, I would like the written documentation they provided LexisNexis as verification. If this information can not be provided I demand the bankruptcy information be removed immediately and documentation mailed to me confirming/showing it was removed along with an updated mailed copy of my LexisNexis Consumer Risk Report. \n\nBased on the attached documentation, that shows LexisNexis is not being truthful, I demand the bankruptcy information be removed from my LexisNexis Consumer Risk Report as well as notices sent to XXXX, XXXX, and XXXX  stating the Bankruptcy Information provided by LexisNexis should be removed as it can not be verified. I would also like a copy of the said notices mailed to me.","date_sent_to_company":"2020-10-27T06:29:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43232","tags":null,"has_narrative":true,"complaint_id":"3920357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2020-10-27T00:38:28.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["They were first saying they <em>verified</em> the <em>bankruptcy</em> information with PACER  using my <em>full</em> <em>social</em> <em>security</em> number and an address that I have disputed with and has removed from XXXX, XXXX, and XXXX. I have also disputed this address with LexisNexis and they have not removed it. They are also saying they <em>verified</em> the <em>bankruptcy</em> information with the courts directly listing \" OHIO XXXX '' as the court name which is also inaccurate."]},"sort":[21.914255,"3920357"]},{"_index":"complaint-public-v1","_id":"14295264","_score":18.444115,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for their refusal to investigate disputed inaccurate and incomplete information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). \nOn XX/XX/year>, I mailed a formal dispute letter to Experian via USPS, requesting an investigation into the following inaccurately reported items on my credit report : Negative Accounts : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Issue : These accounts are inaccurately reported. \nBankruptcy Public Record : Record : US BKPT CT FL XXXX Reference Number : XXXX Issue : The bankruptcy entry is incomplete, listing only the reference number, court name, and filing date, without providing necessary details for full and accurate reporting, as required by the FCRA. \n\nTo verify my identity, I included all required documentation with my dispute letter : A copy of my government-issued ID My Social Security card A recent utility bill showing my current address These documents fully complied with FCRA identity verification requirements. \nOn XX/XX/year>, Experian responded to my dispute letter stating that We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. \nExperian refusal to conduct an investigation into the disputed items. This refusal constitutes a failure to fulfill their legal obligation under the FCRA, which mandates that consumer reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days of receipt.","date_sent_to_company":"2025-06-25T11:00:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32904","tags":null,"has_narrative":true,"complaint_id":"14295264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-25T09:27:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["<em>Bankruptcy</em> Public Record : Record : US BKPT CT FL XXXX Reference Number : XXXX Issue : The <em>bankruptcy</em> entry is incomplete, listing only the reference number, court name, and filing date, without providing necessary details for <em>full</em> and <em>accurate</em> reporting, as required by the FCRA."]},"sort":[18.444115,"14295264"]},{"_index":"complaint-public-v1","_id":"5014517","_score":18.28786,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2021 at XXXX pm XXXX, XXXX XXXX my second letter regarding a bankruptcy was received by Transunion. TRANSUNION claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed above as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. \n\nThe United States Bankruptcy XXXX XXXX XXXX of XXXX has mailed me a letter ( EXHIBIT B ) which emphatically stated that they do NOT provide any information to credit reporting agencies, nor did they EVER validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the confirmed Transunion consumer reporting agency has NEVER validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \n\nThe Transunion consumer reporting agency has also knowingly stole my information. Suppression for XXXX XXXX was confirmed ( EXHIBIT C ). How did TRANSUNION verify information that was legally and lawfully suppressed from you? \n\nTRANSUNION consumer reporting agency needs to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name. \n\nIf there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the XXXX XXXX BANKRUPTCY must be removed.","date_sent_to_company":"2021-12-15T08:12:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44121","tags":null,"has_narrative":true,"complaint_id":"5014517","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-12-15T01:56:55.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. \n\nThe Transunion consumer reporting agency has also knowingly stole my information. Suppression for XXXX XXXX was confirmed ( EXHIBIT C ). How did TRANSUNION <em>verify</em> information that was legally and lawfully suppressed from you?"]},"sort":[18.28786,"5014517"]},{"_index":"complaint-public-v1","_id":"6695333","_score":17.775032,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter on XX/XX/2022. \nHowever the credit bureaus said they completed the investigation and everything was 100 % accurate. \nI obtained my credit report on line. There was a U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. \nThe County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. \nMy inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed that you have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).\n\nPer the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the TransUnion Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.","date_sent_to_company":"2023-03-14T16:37:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38106","tags":null,"has_narrative":true,"complaint_id":"6695333","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-14T16:37:45.000Z","state":"TN","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":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.775032,"6695333"]},{"_index":"complaint-public-v1","_id":"6396910","_score":17.775032,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter on XX/XX/2022. Here is my tracking number XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. \n\nI obtained my credit report on line. There was a U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.\n\nThe County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.\n\nMy inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed that you have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.\n\nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).\n\nPer the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.\n\nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX XXXX XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : XXXX ) Defamation ; XXXX ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.","date_sent_to_company":"2023-01-04T22:13:34.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"6396910","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-04T21:57:30.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately.\n\nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.775032,"6396910"]},{"_index":"complaint-public-v1","_id":"6695332","_score":17.763832,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter on XX/XX/2022. \nHowever the credit bureaus said they completed the investigation and everything was 100 % accurate. \nI obtained my credit report on line. There was a U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.\n\nThe County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.\n\nMy inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed that you have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).\n\nPer the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.","date_sent_to_company":"2023-03-14T16:37:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38106","tags":null,"has_narrative":true,"complaint_id":"6695332","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-14T16:37:45.000Z","state":"TN","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":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.763832,"6695332"]},{"_index":"complaint-public-v1","_id":"6396955","_score":17.763832,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter on XX/XX/2022. Here is my tracking number XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. \n\nI obtained my credit report on line. There was a XXXX XXXX Bankruptcy XXXX item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. \nXXXX XXXX Recorder of Deeds and the Bankruptcy XXXX have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. \nMy inquiry to XXXX XXXX Recorder of Deeds and XXXX XXXX Bankruptcy XXXX confirmed that you have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records XXXX, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax XXXX and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these XXXX XXXX Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under XXXX XXXX needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the XXXX XXXX, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). \nPer the XXXX XXXX XXXX XXXX, XXXX XXXX ( a ) ( XXXX ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the TransUnion XXXX XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : XXXX ) Defamation ; XXXX ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.","date_sent_to_company":"2023-01-04T22:13:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"6396955","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-04T22:13:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax XXXX and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these XXXX XXXX Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.763832,"6396955"]},{"_index":"complaint-public-v1","_id":"6695384","_score":17.74162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter on XX/XX/2022. \nHowever the credit bureaus said they completed the investigation and everything was 100 % accurate. \nI obtained my credit report on line. There was a U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.\n\nThe County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.\n\nMy inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed that you have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.\n\nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).\n\nPer the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.","date_sent_to_company":"2023-03-14T16:37:37.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38106","tags":null,"has_narrative":true,"complaint_id":"6695384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-14T15:50:33.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately.\n\nPlease provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.74162,"6695384"]},{"_index":"complaint-public-v1","_id":"6396953","_score":17.74162,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter on XX/XX/2022. Here is my tracking number XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. \n\nI obtained my credit report on line. There was a XXXX XXXX Bankruptcy XXXX item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. \nXXXX XXXX Recorder of Deeds and the Bankruptcy XXXX have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. \nMy inquiry to XXXX XXXX Recorder of Deeds and XXXX XXXX Bankruptcy XXXX confirmed that you have never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records XXXX, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax XXXX and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these XXXX XXXX Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under XXXX XXXX needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the XXXX XXXX, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). \nPer the XXXX XXXX XXXX XXXX, XXXX XXXX ( a ) ( XXXX ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( XXXX ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. \nFailure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX XXXX XXXX XXXX. I will be seeking no less than {$5000.00} in damages for, but not limited to : XXXX ) Defamation ; XXXX ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.","date_sent_to_company":"2023-01-04T22:13:47.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34953","tags":null,"has_narrative":true,"complaint_id":"6396953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-04T22:13:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax XXXX and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. \nPlease provide me with copies of all documentation associated with these XXXX XXXX Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.74162,"6396953"]},{"_index":"complaint-public-v1","_id":"2478471","_score":17.723978,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows 30 Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals of fice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.   XXXX   XXXX   XXXX  ,  XXXX .  XXXX  ( C.D.Cal.   XXXX   XXXX   XXXX   ), you  may be l iable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for  : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1. Chapter  XXXX  Bankruptcy 2.Judgement   XXXX   XXXX   3. Judgement   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  5.   XXXX   XXXX   XXXX    6.   XXXX   XXXX    XXXX  7.   XXXX   XXXX   XXXX   XXXX     XXXX  8.   XXXX   XXXX   XXXX   XXXX 9.   XXXX   XXXX     XXXX    10.   XXXX   XXXX     XXXX   11. XXXX    XXXX   12.   XXXX   XXXX   XXXX    XXXX  13. F  XXXX   XXXX    XXXX  14.   XXXX   XXXX   XXXX   XXXX     XXXX .  Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX. Y ou are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The Chapter  XXXX  Bankruptcy and the Judgements CAN NOT be verified due to the fact that in your verification, it is impossible, unless you file a motion to the court, to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name. The court does not provide any information to the credit reporting agencies or third party data furnishing companies.","date_sent_to_company":"2017-05-08T18:34:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33028","tags":null,"has_narrative":true,"complaint_id":"2478471","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-05-08T18:09:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["The Chapter  XXXX  <em>Bankruptcy</em> and the Judgements CAN NOT be <em>verified</em> due to the fact that in your <em>verification</em>, it is impossible, unless you file a motion to the court, to obtain my <em>full</em> <em>social</em> <em>security</em> number to PROVE that the judgements actually belong to me instead of someone else with a similar name. The court does not provide any information to the credit reporting agencies or third party data furnishing companies."]},"sort":[17.723978,"2478471"]},{"_index":"complaint-public-v1","_id":"4993045","_score":17.650957,"_source":{"product":"Debt collection","complaint_what_happened":"sent by certified mail they keep telling me they wont re investigate experian is reporting a bankruptcy experian is not complying with the method verification and the fcra law or following the procedures required by law that protects me they are suppose to reveal such if information and if incorrect delete such information they keep telling me that they dont validate info and its already been validated ( Date ) ( Credit Bureau Name ) ( Credit Bureau Address ) RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate. \n\nPlease be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. \n\nIn compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. \nName, address, and telephone number of each person contacted regarding this alleged account. \nA copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. \nAny automated response or XXXX XXXX is unacceptable. I am requesting a re-investigation along with your method of verification. \n\nThe item in question is inaccurate and represents a very serious reporting error. \n\nI expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. \n\nThank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. \n\nRegards, ( Your Full Name printed or typed ) ( Social security number ) ( Address )","date_sent_to_company":"2021-12-09T18:29:26.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"20708","tags":null,"has_narrative":true,"complaint_id":"4993045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-09T18:07:26.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Regards, ( Your <em>Full</em> Name printed or typed ) ( <em>Social</em> <em>security</em> number ) ( Address )"]},"sort":[17.650957,"4993045"]},{"_index":"complaint-public-v1","_id":"6391072","_score":17.32772,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am deeply disturbed by the credit bureaus undermining my confidence in the reporting system. The reporting system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed the following public record is still on my account when it should have been removed months ago : Public Record - XXXX XXXX Bankruptcy. Ref # XXXX. \n\nPlease explain to me why, after XXXX XXXX removed the account stating it is unverifiable, and I sent the bureause proof, the courts also sent a letter stating they do not verify public records and I sent that to the bureaus and I, pursuant to 15USC 1681b, did not give any credit bureau written permission to add this to my credit report, why is is still there? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Please remove all public records including the XXXX XXXX bankruptcy, ref # XXXX from my report. The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. I have attached this once again to this complaint. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, Transunion and XXXX Credit Bureaus have never validated or verified these public record entries on my credit report, neither will they ever be VERIFIED by them! They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and the XXXX XXXX XXXX  as well. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. Please explain to me why this public record is still showing on my credit report or remove it immediately.","date_sent_to_company":"2023-01-03T19:37:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"6391072","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-03T19:37:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.32772,"6391072"]},{"_index":"complaint-public-v1","_id":"6391066","_score":17.29759,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am deeply disturbed by the credit bureaus undermining my confidence in the reporting system. The reporting system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed the following public record is still on my account when it should have been removed months ago : Public Record - XXXX XXXX  Bankruptcy. \nPlease explain to me why, after XXXX XXXX removed the account stating it is unverifiable, and I sent the bureaus proof, the courts also sent a letter stating they do not verify public records and I sent that to the bureaus and I, pursuant to 15USC 1681b, did not give any credit bureau written permission to add this to my credit report, why is it still there? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Please remove all public records including the XXXX XXXX bankruptcy from my report. The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. I have attached this once again to this complaint. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax, XXXX and XXXX Credit Bureaus have never validated or verified these public record entries on my credit report, neither will they ever be VERIFIED by them! They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and the XXXX XXXX XXXX as well. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. Please explain to me why this public record is still showing on my credit report or remove it immediately. My proof attached.","date_sent_to_company":"2023-01-03T19:55:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"764XX","tags":null,"has_narrative":true,"complaint_id":"6391066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-03T19:40:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[17.29759,"6391066"]},{"_index":"complaint-public-v1","_id":"7200317","_score":17.24142,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have asked, XXXX, XXXX XXXX and Experian Credit bureaus, paid for services and filed disputes to no avail, to do a verification of my credit report and they stated everything was accurate ; I also did a thorough research myself and found improper in accuracies on the credit report even after they stated a thorough research and claim. \n\nIn accordance with the fair credit reporting act XXXX  Account, My name should be shown as XXXX XXXX The only address on file should be : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida XXXX The only telephone should be XXXX my Social Security XXXX ( it should not be shown on any of the report OR LAST 4 DIGITS XXXX ) My Date of Birth : XXXX The only Employment shown should be : XXXXXXXX XXXX XXXX My Position : XXXX  ( NOT CEO ) XXXX XXXX XXXX XXXX : XXXX - showing late payments or no data, ( Auto Loan ) ( I HAVE NOT BEEN LATE AND ACCOUNT IS CURRENT ) XXXX XXXX XXXX XXXX : XXXX - showing late payments or no data, ( Home Equity ) ( I HAVE NOT BEEN LATE AND ACCOUNT IS CURRENT ) XXXX XXXX XXXX XXXX : XXXX - ( SHOWING incorrect BALANCE XXXX ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT WAS PAID AND CLOSED ) XXXX  XXXX XXXX  : XXXX - ( SHOWING BALANCE OF XXXX ) ( ACCOUNT PAID IN FULL, NEVER LATE ) XXXX XXXX : XXXX - showing late payments, or no data, ( Mortgage ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT IS CURRENT ) XXXX : XXXX - ( SHOWING incorrect BALANCE XXXX ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT IS CURRENT ) XXXX : XXXX ( SHOWING incorrect BALANCE XXXX ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT IS CURRENT ) XXXX XXXXXXXX - showing charge/off and balance, XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NT READ CHARGED OFF ) XXXX XXXX XXXX XXXX - showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXX XXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXXXXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXXXXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX  XXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) BANKRUPTCY XXXX  XXXX REF DISMISSED, NOT PROCESSED ( SHOWING INCORECT INFORMATION, NOT PROCESSED ) HARD INQUIRIES ; ( NOT PROCESSED BY ME ) XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I LISTED A SECURITY ALERT ON MY REPORT AS I W\n\nAS A VICTIM OF IDENITY THEFT Has violated my rights and I'm requesting a removal of said accounts from all three credit bureaus, PERSUANT TO SECTIONS ; 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C. 1681 SECTION 604 A. States Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.","date_sent_to_company":"2023-07-03T18:05:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33060","tags":null,"has_narrative":true,"complaint_id":"7200317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-03T16:10:24.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have asked, XXXX, XXXX XXXX and Experian Credit bureaus, paid for services and filed disputes to no avail, to do a <em>verification</em> of my credit report and they stated everything was <em>accurate</em> ; I also did a thorough research myself and found improper in accuracies on the credit report even after they stated a thorough research and claim."]},"sort":[17.24142,"7200317"]},{"_index":"complaint-public-v1","_id":"6390998","_score":16.863297,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am deeply disturbed by the credit bureaus undermining my confidence in the reporting system. The reporting system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed the following public record is still on my account when it should have been removed months ago : Public Record - XXXX XXXX XXXX Ref # XXXX. \n\nPlease explain to me why, after XXXX XXXX removed the account stating it is unverifiable, and I sent the bureause proof, the courts also sent a letter stating they do not verify public records and I sent that to the bureaus and I, pursuant to 15USC 1681b, did not give any credit bureau written permission to add this to my credit report, why is is still there? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Please remove all public records including the XXXX XXXX bankruptcy, ref # XXXX from my report. The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. I have attached this once again to this complaint. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax, XXXX and XXXX Credit Bureaus have never validated or verified these public record entries on my credit report, neither will they ever be VERIFIED by them! They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and the XXXX XXXX XXXX as well. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. Please explain to me why this public record is still showing on my credit report or remove it immediately.","date_sent_to_company":"2023-01-03T19:37:13.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"6390998","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-01-03T19:29:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[16.863297,"6390998"]},{"_index":"complaint-public-v1","_id":"6390983","_score":16.248487,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am deeply disturbed by the credit bureaus undermining my confidence in the reporting system. The reporting system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed the following public record is still on my account when it should have been removed months ago : XXXX XXXX - XXXX XXXX XXXX \nPlease explain to me why, after XXXX XXXX removed the account stating it is unverifiable, and I sent the bureaus proof, the courts also sent a letter stating they do not verify public records and I sent that to the bureaus and I, pursuant to 15USC 1681b, did not give any credit bureau written permission to add this to my credit report, why is it still there? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Please remove all public records including the XXXX XXXX XXXX  from my report. The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. I have attached this once again to this complaint. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy XXXX confirmed XXXX, XXXX and Experian Credit Bureaus have never validated or verified these public record entries on my credit report, neither will they ever be VERIFIED by them! They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these XXXX XXXX Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under XXXX XXXX needs to be immediately deleted from the credit file you maintain under my name and social security number. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and the Better Business Bureau as well. Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. Please explain to me why this public record is still showing on my credit report or remove it immediately. My proof attached.","date_sent_to_company":"2023-01-03T19:56:09.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"764XX","tags":null,"has_narrative":true,"complaint_id":"6390983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-03T19:56:03.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and <em>bankruptcy</em> information currently <em>showing</em> under my <em>social</em> <em>security</em> number to be PERMANENTLY DELETED from my credit report immediately. You needs to provide me with copies of all documentation associated with these XXXX XXXX Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature."]},"sort":[16.248487,"6390983"]},{"_index":"complaint-public-v1","_id":"14484822","_score":15.608145,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally request a comprehensive audit and deletion of inaccurate, unverifiable, outdated, and unauthorized information currently listed on my credit report. Under federal law, I am exercising my rights as a consumer to ensure that my credit file remains fair, accurate, and substantiated. \n\nThis includes, but is not limited to, negative accounts, inquiries, charge-offs, repossessions, late payments, bankruptcies, collections, foreclosures, and any other derogatory items that do not meet the compliance standards required by law. \n\n\n\nCited Legal Grounds for Immediate Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Under Section 611 ( 1681i ), any item not verified within 30 days must be deleted.\n\nSection 602 ( A ) mandates that all credit reporting must be accurate, fair, and have integrity.\n\nSection 605 ( 1681c ) prohibits reporting of outdated negative information beyond : 7 years for collections, charge-offs, and late payments.\n\n10 years for bankruptcies.\n\nSection 604 ( 1681b ) limits when inquiries may be legally authorized. Unpermitted inquiries must be removed immediately. \n2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 807 ( 8 ) forbids reporting of a debt that is false, misleading, or deceptive.\n\nIf a collection account is being reported without complete verification or legal standing, it constitutes a violation of the FDCPA.\n\n3. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 Enforces safeguards for non-public personal information. Any account or inquiry listed without express consent or permissible purpose violates my privacy rights.\n\n4. Privacy Act of 1974 No agency or institution is allowed to maintain a record about me without proper authorization, transparency, or legitimate reason. Items placed without my knowledge or legal consent must be removed. \n5. Federal Trade Commission ( FTC ) Opinion Letters The FTC has consistently ruled that any item not 100 % accurate and verifiable must be deleted, not corrected.\n\nItems Requested for Deletion Include ( but are not limited to ) : All unauthorized hard inquiries.\n\nAll accounts not validated with original signed contracts or proper documentation.\n\nNegative accounts older than 7 years ( or 10 years for bankruptcy ).\n\nAny item that fails to comply with FCRA, FDCPA, GLBA, or other consumer protection standards.\n\nDemand for Action : I am requesting the immediate deletion of all non-compliant entries within 30 days per the FCRA 611. If the accounts or inquiries in question can not be validated with original documentation bearing my signature and showing full compliance with federal laws, they must be permanently removed. \n\nPlease forward a revised and updated credit report to the address listed above upon completion of your investigation, along with written confirmation of deletions made. I am keeping detailed records of this communication for my protection and future legal action if necessary. \n\nFailure to comply will result in filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office This letter is being sent in good faith to give you the opportunity to correct your records without escalation. \n\nSincerely, [ Your Name, Signature if mailed ] Attachments ( if mailing ) : Copy of Government ID Copy of Social Security Card or W2 Recent Utility Bill or Bank Statement for Address Verification A copy of your current credit report ( highlighting items in dispute )","date_sent_to_company":"2025-07-07T22:23:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"14484822","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-07T22:22:37.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, [ Your Name, Signature if mailed ] Attachments ( if mailing ) : Copy of Government ID Copy of <em>Social</em> <em>Security</em> Card or W2 Recent Utility Bill or Bank Statement for Address <em>Verification</em> A copy of your current credit report ( highlighting items in dispute )"]},"sort":[15.608145,"14484822"]},{"_index":"complaint-public-v1","_id":"14484944","_score":15.60508,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am writing to formally request a comprehensive audit and deletion of inaccurate, unverifiable, outdated, and unauthorized information currently listed on my credit report. Under federal law, I am exercising my rights as a consumer to ensure that my credit file remains fair, accurate, and substantiated.\n\nThis includes, but is not limited to, negative accounts, inquiries, charge-offs, repossessions, late payments, bankruptcies, collections, foreclosures, and any other derogatory items that do not meet the compliance standards required by law.\n\nCited Legal Grounds for Immediate Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Under Section 611 ( 1681i ), any item not verified within 30 days must be deleted. \nSection 602 ( A ) mandates that all credit reporting must be accurate, fair, and have integrity.\n\nSection 605 ( 1681c ) prohibits reporting of outdated negative information beyond : 7 years for collections, charge-offs, and late payments.\n\n10 years for bankruptcies.\n\nSection 604 ( 1681b ) limits when inquiries may be legally authorized. Unpermitted inquiries must be removed immediately.\n\n2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 807 ( 8 ) forbids reporting of a debt that is false, misleading, or deceptive.\n\nIf a collection account is being reported without complete verification or legal standing, it constitutes a violation of the FDCPA.\n\n3. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 Enforces safeguards for non-public personal information. Any account or inquiry listed without express consent or permissible purpose violates my privacy rights.\n\n4. Privacy Act of 1974 No agency or institution is allowed to maintain a record about me without proper authorization, transparency, or legitimate reason. Items placed without my knowledge or legal consent must be removed.\n\n5. Federal Trade Commission ( FTC ) Opinion Letters The FTC has consistently ruled that any item not 100 % accurate and verifiable must be deleted, not corrected.\n\nItems Requested for Deletion Include ( but are not limited to ) : All unauthorized hard inquiries.\n\nAll accounts not validated with original signed contracts or proper documentation.\n\nNegative accounts older than 7 years ( or 10 years for bankruptcy ).\n\nAny item that fails to comply with FCRA, FDCPA, GLBA, or other consumer protection standards.\n\nDemand for Action : I am requesting the immediate deletion of all non-compliant entries within 30 days per the FCRA 611. If the accounts or inquiries in question can not be validated with original documentation bearing my signature and showing full compliance with federal laws, they must be permanently removed.\n\nPlease forward a revised and updated credit report to the address listed above upon completion of your investigation, along with written confirmation of deletions made. I am keeping detailed records of this communication for my protection and future legal action if necessary.\n\nFailure to comply will result in filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office This letter is being sent in good faith to give you the opportunity to correct your records without escalation.\n\nSincerely, [ Your Name, Signature if mailed ] Attachments ( if mailing ) : Copy of Government ID Copy of Social Security Card or W2 Recent Utility Bill or Bank Statement for Address Verification A copy of your current credit report ( highlighting items in dispute )","date_sent_to_company":"2025-07-07T22:36:03.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"302XX","tags":null,"has_narrative":true,"complaint_id":"14484944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-07T22:35:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, [ Your Name, Signature if mailed ] Attachments ( if mailing ) : Copy of Government ID Copy of <em>Social</em> <em>Security</em> Card or W2 Recent Utility Bill or Bank Statement for Address <em>Verification</em> A copy of your current credit report ( highlighting items in dispute )"]},"sort":[15.60508,"14484944"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":141,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":141}]}},"product":{"doc_count":141,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt 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