{"took":128,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":251,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"17298678","_score":13.91234,"_source":{"product":"Debt collection","complaint_what_happened":"A debt buyer is reporting a broken lease that never occurred, using a false XXXX open date to re age a XXXX issue. I have written proof from the apartment that I was not supposed to be charged these fees, and the apartments own ledger shows billing errors, including accidentally adding my deposit instead of subtracting it. The reporting is inaccurate and violates FCRA 623 ( a ) ( 5 ) and the reasonable reinvestigation requirement. \n\nDetails : Columbia Debt Recovery is reporting a collection account associated with XXXX XXXX XXXX XXXX on my XXXX  credit report. The account shows an opened date of XX/XX/XXXX, although I moved out in XX/XX/XXXX. This is impossible and is a clear case of illegal re aging. \n\nThe underlying charges being reported are also inaccurate : I have written communication from the property manager stating that I would not be charged a broken lease or related fees due to ongoing maintenance issues during my tenancy. \nDespite this, the apartment still billed those exact charges, contradicting their own written statements. \nThe apartments ledger mistakenly added my security deposit instead of subtracting it, inflating the alleged balance. \nThese errors were passed to the debt buyer and are now being reported as valid debt. \n\nI disputed the account with debt buyer and XXXX. \nXXXX  still marked the item as meets FCRA requirements. \n\nI am suffering great harm as I am actively being denied housing due to these errors.","date_sent_to_company":"2025-11-17T20:20:47.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"17298678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis","date_received":"2025-11-17T19:51:21.000Z","state":"WI","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["A debt buyer is reporting a <em>broken</em> lease that never occurred, using a false XXXX open date to re age a XXXX issue. I have written proof from the apartment that I was not supposed to be charged these fees, and the apartments own ledger shows billing errors, <em>including</em> accidentally adding my deposit instead of subtracting it. The reporting is inaccurate and violates <em>FCRA</em> 623 ( a ) ( 5 ) and the reasonable reinvestigation requirement."]},"sort":[13.91234,"17298678"]},{"_index":"complaint-public-v1","_id":"17821493","_score":13.827172,"_source":{"product":"Debt collection","complaint_what_happened":"FAIR COLLECTIONS & OUT Has fraudulently obtained my private personal information and has attached their company to my credit report without any prior permission or written consent I have I do not have any contract with this business nor do I even know them. They fraudulently attached their business to my personal information in XX/XX/XXXX I asked the business to provide proof of legal right to collect this debt, including the original creditor and a copy of assignment sale agreement copy of my contract with FAIR COLLECTIONS & OUT full itemization of charges including rent damages fees with dates explanation. I also stated to the business that they have broken USC laws and FCRA and asked them to remove their business off my personal credit reports. The business has not been able to provide the items I requested back in XX/XX/XXXX and again in XXXX XXXX and refusing to remove their business off my report.","date_sent_to_company":"2026-01-28T15:02:26.000Z","issue":"False statements or representation","sub_product":"Rental debt","zip_code":"45231","tags":null,"has_narrative":true,"complaint_id":"17821493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FAIR COLLECTIONS & OUTSOURCING, INC.","date_received":"2025-12-08T07:09:16.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["They fraudulently attached their business to my personal information in XX/XX/XXXX I asked the business to provide proof of legal right to collect this debt, <em>including</em> the original creditor and a copy of assignment sale agreement copy of my contract with FAIR COLLECTIONS & OUT full itemization of charges <em>including</em> rent damages fees with dates explanation. I <em>also</em> stated to the business that they have <em>broken</em> USC laws and <em>FCRA</em> and asked them to remove their business off my personal credit reports."]},"sort":[13.827172,"17821493"]},{"_index":"complaint-public-v1","_id":"6091888","_score":13.651593,"_source":{"product":"Debt collection","complaint_what_happened":"Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX  ( XXXX XXXX XXXX  ) and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against PRA to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.","date_sent_to_company":"2022-10-16T21:33:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33012","tags":null,"has_narrative":true,"complaint_id":"6091888","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2022-10-16T21:19:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Also</em> multiple laws in accordance with the <em>FCRA</em> have been <em>broken</em> because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been <em>broken</em>, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and <em>FCRA</em> even after multiple litigation cases against them for violating these federal acts."]},"sort":[13.651593,"6091888"]},{"_index":"complaint-public-v1","_id":"6091883","_score":13.651593,"_source":{"product":"Debt collection","complaint_what_happened":"Non-validation of debt for two accounts that have not been properly validated by this company. Account numbers ending in XXXX with a balance of {$2600.00} and XXXX with a balance of {$840.00}. I have been communicating with this company with the credit bureaus and through mail. I still have not been supplied with the original contracts with my signatures to validate these debts. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  and now here. Also multiple laws in accordance with the FCRA have been broken because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been broken, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and FCRA even after multiple litigation cases against them for violating these federal acts. At this point, I am convinced this company can not produce the original signed documents by me to validate these debts. Next, I will be filing a complaint with the Attorney General and preparing to retain legal representation against XXXX to remove these collections from my XXXX credit report and to receive {$1000.00} per violation and possibly more for the damages. I will not take any further action IF these accounts are removed from my XXXX credit report. Also I'm including a theft report on this complaint because I am 100 % sure these accounts are fraudulent and not mine to begin with, once again remove these accounts from my credit report immediately.","date_sent_to_company":"2022-10-16T21:34:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33012","tags":null,"has_narrative":true,"complaint_id":"6091883","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-10-16T21:34:02.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>Also</em> multiple laws in accordance with the <em>FCRA</em> have been <em>broken</em> because for some time now I've been receiving letters with multiple violations on them, here are the laws that have been <em>broken</em>, ( 15b USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 C ( A ). This company knowingly operates without regard to the FDCPA and <em>FCRA</em> even after multiple litigation cases against them for violating these federal acts."]},"sort":[13.651593,"6091883"]},{"_index":"complaint-public-v1","_id":"17668442","_score":13.214615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I purchased a used XXXX XXXX XXXX in XX/XX/XXXX from a licensed dealer. Shortly after purchase, the vehicle began having serious fuel system issues including XXXX codes, fuel pump problems, broken wiring, and repeated stalling. I returned the vehicle to the dealership multiple times and also took it to XXXX and independent mechanics for repairs. \n\nI have spent over {$3000.00} on fuel system, steering, wiring, and safety repairs, and the vehicle is still not drivable. The dealership refused to take the vehicle back or repair it properly. \n\nXXXX XXXX continued reporting this loan as open and past due even though the vehicle was defective, unsafe, and I attempted to return it. They also reported the account as open and delinquent while disputes were active, which is a violation of the FCRA ( they must pause negative reporting during an active dispute ). The balances, dates, and status they are reporting are inaccurate. \n\nI am requesting an investigation into XXXX XXXX reporting, their handling of disputes, and the accuracy of the data they are furnishing.","date_sent_to_company":"2025-12-04T01:44:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":null,"has_narrative":true,"complaint_id":"17668442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-04T01:44:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Shortly after purchase, the vehicle began having serious fuel system issues <em>including</em> XXXX codes, fuel pump problems, <em>broken</em> wiring, and repeated stalling. I returned the vehicle to the dealership multiple times and <em>also</em> took it to XXXX and independent mechanics for repairs. \n\nI have spent over {$3000.00} on fuel system, steering, wiring, and safety repairs, and the vehicle is still not drivable. The dealership refused to take the vehicle back or repair it properly."]},"sort":[13.214615,"17668442"]},{"_index":"complaint-public-v1","_id":"2369208","_score":12.991655,"_source":{"product":"Debt collection","complaint_what_happened":"In accordance to fcra section 609, this account was disputed XX/XX/XXXX. Ad astra recovery did not respond to intial dispute within 30 days as allowed by the FCRA. They have continued to report innaccurate information to all XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt that is being reported. It is now XX/XX/XXXX and past 60 days when these accounts were intially disputed. Ad astra Recovery Service has continued to attempt to collect debt they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this including a previous dispute to CFPB.They have blatanly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, i have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue at hand. The accounts need to be removed. They also stated that they have sent documentation which is false. Nothing since they placed on my accounts has been mailed to me, The second issue is that it had been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious they are not.They have deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one.","date_sent_to_company":"2017-03-02T14:49:49.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Payday loan","zip_code":"752XX","tags":null,"has_narrative":true,"complaint_id":"2369208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ad Astra Recovery Services Inc","date_received":"2017-03-02T14:49:49.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["Multiple disputes in regards to this issue have been filed over this <em>including</em> a previous dispute to CFPB.They have blatanly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines. On more than one occasion, i have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue at hand. The accounts need to be removed. They <em>also</em> stated that they have sent documentation which is false."]},"sort":[12.991655,"2369208"]},{"_index":"complaint-public-v1","_id":"3306016","_score":12.484874,"_source":{"product":"Debt collection","complaint_what_happened":"As of XX/XX/19 For profit Debt buyer AR RESOURCES INC. fail to alert myself and other consumers that they've reported an alleged debt to the CRAs. Because the FCRA requires debt buyers to notify you when they report negative information to a CRA, this practice violates the FCRA. AR RESOURCES did not provide Written Notification About Debt. AR RESOURCES INC. didn't even bother to notify or contact me of an alleged debt. I have compiled a list of laws that have been broken along with proof and examples of unfair tactics AR RESOURCES INC have committed to myself and other consumers on a daily basis. I demand that AR RESOURCES INC remove the frivolous debt from all three bureaus and also be investigated for unfair practices and unlawfully tactics against consumers such as myself. I will be doing my own independent dispute, and it is my intent to file suit against AR RESOURCES INC due to unfair practices and laws broken by them. \n\nYes, I do understand AR RESOURCES INC. has every right to collect on a debt if I legitimately owe them, but I do not have a contract with them, and I do not wish to contract with them. There are also rules and restrictions formally known as the Fair Debt Collection Practices Act ( FDCPA ) that govern how they can go about their business. \n\nThis must be a Zombie debt as AR RESOURCES INC buys portfolios of alleged debt to make profit, but never verifies the actual consumer debt themselves or gives the consumer chance to challenge the alleged debt in question by law. AR RESOURCES INC. reports the alleged debt without notifying the consumer as you see the examples and complaints I was never informed about a debt, or any details about them advising saying I owe. It appears HIPPA LAWS have been broken along with Identity Theft by AR RESOURCES INC. Im entitled to written verification In fact, FDCPA requires a collector to send a statement outlining the specifics of the debt within five days of contacting you. That notice which is basically step one in determining whether a debts legit must include the amount of money you owe, the name of the original creditor and what actions to take if you believe the information is wrong. \n\nThis account can appear on your credit report. This appears to be a SCAM by AR RESOURCES INC. \n\nA strong federal law, the Fair Debt Collection Practices Act, protects consumers against certain unfair collection practices. \n\nAR RESOURCES INC.has several debt collection complaints, the Consumer Financial Protection Bureau described collection complaints received by the Federal Trade Commission. \n\nTheir several complaints about AR RESOURCES INC. and appears several laws has been broken, and some complaints may be the result of overseas debt collection scammers who harass consumers. \n\nThe law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt The Fair Credit Reporting Act Another federal law is the Fair Credit Reporting Act, and this act covers certain financial aspects including any debt being collected and reported on your credit report. \nUnder this law, it protects unfair, deceptive, or abusive acts or practices to be done by either collection agencies or a creditor. There are also state laws that are in place regarding debt collection practices, and many of these state laws are very similar to those as outlined by the Fair Debt Collection Practices Act.","date_sent_to_company":"2019-07-14T17:34:32.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"35023","tags":null,"has_narrative":true,"complaint_id":"3306016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AR Resources, Inc.","date_received":"2019-07-14T15:46:59.000Z","state":"AL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Because the <em>FCRA</em> requires debt buyers to notify you when they report negative information to a CRA, this practice violates the <em>FCRA</em>. AR RESOURCES did not provide Written Notification About Debt. AR RESOURCES INC. didn't even bother to notify or contact me of an alleged debt. I have compiled a list of laws that have been <em>broken</em> along with proof and examples of unfair tactics AR RESOURCES INC have committed to myself and other consumers on a daily basis."]},"sort":[12.484874,"3306016"]},{"_index":"complaint-public-v1","_id":"3257653","_score":12.438097,"_source":{"product":"Debt collection","complaint_what_happened":"As of XX/XX/19 For profit Debt buyer AR RESOURCES INC. fail to alert myself and other consumers that they've reported an alleged debt to the CRAs. \nBecause the FCRA requires debt buyers to notify you when they report negative information to a CRA, this practice violates the FCRA. AR RESOURCES did not provide Written Notification About Debt. AR RESOURCES INC. didn't even bother to notify or contact me of an alleged debt. I have compiled a list of laws that have been broken along with proof and examples of unfair tactics AR RESOURCES INC have committed to myself and other consumers on a daily basis. I demand that AR RESOURCES INC remove the frivolous debt from all three bureaus and also be investigated for unfair practices and unlawfully tactics against consumers such as myself. I will be doing my own independent dispute, and it is my intent to file suit against AR RESOURCES INC due to unfair practices and laws broken by them.\n\nYes, I do understand AR RESOURCES INC. has every right to collect on a debt if I legitimately owe them, but I do not have a contract with them, and I do not wish to contract with them. There are also rules and restrictions formally known as the Fair Debt Collection Practices Act ( FDCPA ) that govern how they can go about their business. \n\nThis must be a XXXX debt as AR RESOURCES INC buys portfolios of alleged debt to make profit, but never verifies the actual consumer debt themselves or gives the consumer chance to challenge the alleged debt in question by law. AR RESOURCES INC. reports the alleged debt without notifying the consumer as you see the examples and complaints I was never informed about a debt, or any details about them advising saying I owe. It appears HIPPA LAWS have been broken along with Identity Theft by AR RESOURCES INC. \n\nIm entitled to written verification In fact, FDCPA requires a collector to send a statement outlining the specifics of the debt within five days of contacting you. That notice which is basically step one in determining whether a debts legit must include the amount of money you owe, the name of the original creditor and what actions to take if you believe the information is wrong. \n\n\nThis account can appear on your credit report. This appears to be a SCAM by AR RESOURCES INC. \n\nA strong federal law, the Fair Debt Collection Practices Act, protects consumers against certain unfair collection practices. \n\nAR RESOURCES INC.has several debt collection complaints, the Consumer Financial Protection Bureau described collection complaints received by the Federal Trade Commission. \n\nTheir several complaints about AR RESOURCES INC. and appears several laws has been broken, and some complaints may be the result of overseas debt collection scammers who harass consumers. \n\nThe law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt The Fair Credit Reporting Act Another federal law is the Fair Credit Reporting Act, and this act covers certain financial aspects including any debt being collected and reported on your credit report. \n\nUnder this law, it protects unfair, deceptive, or abusive acts or practices to be done by either collection agencies or a creditor. There are also state laws that are in place regarding debt collection practices, and many of these state laws are very similar to those as outlined by the Fair Debt Collection Practices Act.","date_sent_to_company":"2019-05-30T06:02:27.000Z","issue":"Written notification about debt","sub_product":"Medical debt","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"3257653","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AR Resources, Inc.","date_received":"2019-05-30T01:38:09.000Z","state":"AL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Because the <em>FCRA</em> requires debt buyers to notify you when they report negative information to a CRA, this practice violates the <em>FCRA</em>. AR RESOURCES did not provide Written Notification About Debt. AR RESOURCES INC. didn't even bother to notify or contact me of an alleged debt. I have compiled a list of laws that have been <em>broken</em> along with proof and examples of unfair tactics AR RESOURCES INC have committed to myself and other consumers on a daily basis."]},"sort":[12.438097,"3257653"]},{"_index":"complaint-public-v1","_id":"6403175","_score":12.182184,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX  HAS BROKEN THE LAW!!!!!! \n\nI am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, including an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). \n\nIn accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible If the information presented in the complaint is inaccurate? This is ground for removal. According to 15 USC 1681 section 602A, I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account as late for any purpose. \n\nThe information on this account is not 100 % accurate, as required by the FCRA. The dates for \" Date Opened '' and \" Last Active '' are different with all three credit bureaus. I have provided proof of this in the attached XXXX  report when I made the complaint. To make things more evident, I have also attached the entire complaint and company response along with the exact report that was attached to the initial complaint. \n\nI request that XXXX be removed from my credit report immediately, as they have not followed the proper procedures and have violated my consumer rights. I also want to note that I have not given written permission for XXXX  to report anything to my credit report. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-01-05T18:53:06.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48108","tags":null,"has_narrative":true,"complaint_id":"6403175","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-01-05T18:38:43.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX  HAS <em>BROKEN</em> THE LAW!!!!!! \n\nI am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, <em>including</em> an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ). \n\nIn accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report."]},"sort":[12.182184,"6403175"]},{"_index":"complaint-public-v1","_id":"6402951","_score":12.149923,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX  HAS BROKEN THE LAW!!!!!! \n\nI am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, including an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ). \n\nIn accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible If the information presented in the complaint is inaccurate? This is ground for removal. According to 15 USC 1681 section 602A, I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account as late for any purpose.\n\nThe information on this account is not 100 % accurate, as required by the FCRA. The dates for \" Date Opened '' and \" Last Active '' are different with all three credit bureaus. I have provided proof of this in the attached XXXX report when I made the complaint. To make things more evident, I have also attached the entire complaint and company response along with the exact report that was attached to the initial complaint. \n\nI request that XXXX be removed from my credit report immediately, as they have not followed the proper procedures and have violated my consumer rights. I also want to note that I have not given written permission for XXXX to report anything to my credit report. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-01-05T18:53:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48108","tags":null,"has_narrative":true,"complaint_id":"6402951","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-01-05T18:53:18.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXXXXXX XXXX  HAS <em>BROKEN</em> THE LAW!!!!!! \n\nI am writing to dispute the inclusion of XXXX on my credit report. I provided evidence to the CFPB, <em>including</em> an XXXX  report, that this creditor has violated my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ). \n\nIn accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report."]},"sort":[12.149923,"6402951"]},{"_index":"complaint-public-v1","_id":"2487785","_score":11.254988,"_source":{"product":"Debt collection","complaint_what_happened":"In accordanc e to FCRA Section 609, t hese accounts was further disputed in   XXXX   XXXX    . I advised AD  Astra with a validation letter to prove this debt is mine. In addition, AD ASTRA has failed  to send back the original documentation bearing my signature. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these  XXXX  accounts to  XXXX  credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now   XXXX   XXXX   and way past 60 days when these accounts were initially disputed.  Ad Astra Recovery Service has continued to attempt to collect debt that they know   is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than  one occas ion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue fro m day one. I fe el that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from  Ad Astra Recovery with filing legal suit against them.","date_sent_to_company":"2017-05-17T07:18:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"77045","tags":null,"has_narrative":true,"complaint_id":"2487785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ad Astra Recovery Services Inc","date_received":"2017-05-17T03:02:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["In accordance, they are bound by <em>FCRA</em> to remove alleged debt from that is being reported. It is now   XXXX   XXXX   and way past 60 days when these accounts were initially disputed.  Ad Astra Recovery Service has continued to attempt to collect debt that they know   is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, <em>including</em> a previous dispute with CFPB. They have blatantly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines."]},"sort":[11.254988,"2487785"]},{"_index":"complaint-public-v1","_id":"2675817","_score":11.239943,"_source":{"product":"Debt collection","complaint_what_happened":"In accordance to FCRA Section 609, these accounts was  further disputed in XXXX, XXXX, XXXX, and XXXX 2017. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. All dates in which I have stated I do not have account with AD Astra Recovery.  They have continued to report inaccurate information. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially  disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery closed the account with XXXX than it was reopened. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed the account on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I  feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.","date_sent_to_company":"2017-09-16T14:00:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"76116","tags":null,"has_narrative":true,"complaint_id":"2675817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ad Astra Recovery Services Inc","date_received":"2017-09-16T13:17:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Multiple disputes in regards to this issue have been filed over this, <em>including</em> a previous dispute with CFPB. In addition, Ad Astra Recovery closed the account with XXXX than it was reopened. They have blatantly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed."]},"sort":[11.239943,"2675817"]},{"_index":"complaint-public-v1","_id":"13368000","_score":11.207433,"_source":{"product":"Debt collection","complaint_what_happened":"RE : Account # XXXX Formal Debt Validation Demand Pursuant to 15 U.S. Code 1692g ( b ) To Whom It May Concern, This letter is in response to a collection entry appearing on my credit report and/or recent communication received regarding the alleged debt with account number XXXX. Be advised, this is not a refusal to pay but a notice that your claim is disputed and validation is demanded. \n\nUnder the Fair Debt Collection Practices Act, you are required to provide me with the following information within 30 days : The name and address of the original creditor ; The amount of the alleged debt broken down by principal, interest, fees, etc. ; A copy of the original signed contract or agreement bearing my signature and outlining my obligation to the debt ; Verification that you are legally authorized to collect in my state and on this account ; Complete payment history, including all charges, interest, and fees added ; Proof of chain of custody from the original creditor to your agency. \n\nYou are hereby notified that until this debt is properly validated, you are to cease all collection activities, including reporting to any credit bureau. Reporting inaccurate or unverified information is a direct violation of 15 U.S. Code 1681s-2 of the FCRA. \n\nFailure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal remedies for any violations of my rights under federal and state law. \n\nAll future communication must be in writing. You are not authorized to contact me via phone under any circumstances. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-06T04:18:23.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"707XX","tags":null,"has_narrative":true,"complaint_id":"13368000","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-05-06T04:06:08.000Z","state":"LA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["You are hereby notified that until this debt is properly validated, you are to cease all collection activities, <em>including</em> reporting to any credit bureau. Reporting inaccurate or unverified information is a direct violation of 15 U.S. Code 1681s-2 of the <em>FCRA</em>. \n\nFailure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office."]},"sort":[11.207433,"13368000"]},{"_index":"complaint-public-v1","_id":"2374997","_score":11.191587,"_source":{"product":"Credit reporting","complaint_what_happened":"In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, XXXX and Experian received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.","date_sent_to_company":"2017-03-07T14:29:43.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"2374997","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-03-07T14:29:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["Multiple disputes in regards to this issue have been filed over this, <em>including</em> a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, XXXX and Experian received certified letters requesting validation on this inaccurate report. They have blatantly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed."]},"sort":[11.191587,"2374997"]},{"_index":"complaint-public-v1","_id":"2273988","_score":11.191587,"_source":{"product":"Debt collection","complaint_what_happened":"In accordance to FCRA Section 609, these accounts was further disputed in XXXX XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery removed the XXXX accounts in question from my XXXX reports but still failed to remove the XXXX accounts from my XXXX and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/XXXX/XXXX. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they deleted the items from XXXX report but not from the other XXXX credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why did they remove them from XXXX credit report ( XXXX ) and not from XXXX or XXXX? This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.","date_sent_to_company":"2017-01-04T09:29:02.000Z","issue":"Disclosure verification of debt","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"76135","tags":null,"has_narrative":true,"complaint_id":"2273988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ad Astra Recovery Services Inc","date_received":"2017-01-04T09:29:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["Multiple disputes in regards to this issue have been filed over this, <em>including</em> a previous dispute with CFPB. In addition, Ad Astra Recovery removed the XXXX accounts in question from my XXXX reports but still failed to remove the XXXX accounts from my XXXX and XXXX reports. They have blatantly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue."]},"sort":[11.191587,"2273988"]},{"_index":"complaint-public-v1","_id":"2375548","_score":11.170135,"_source":{"product":"Credit reporting","complaint_what_happened":"In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, Equifax, XXXX and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.","date_sent_to_company":"2017-03-07T14:30:38.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"2375548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-03-07T14:29:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["Multiple disputes in regards to this issue have been filed over this, <em>including</em> a previous dispute with CFPB. In addition, XXXX XXXX, Equifax, XXXX and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed."]},"sort":[11.170135,"2375548"]},{"_index":"complaint-public-v1","_id":"2369555","_score":11.170135,"_source":{"product":"Credit reporting","complaint_what_happened":"In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. And Portfolio Recovery did not respond to the initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. And Portfolio Recovery has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Portfolio Recovery has not removed the XXXX accounts in question from my XXXX reports and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I also have proof that I reached out to them with certified letters to them and the credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why are they not responding to my correspondence or supplying me something with my signature. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Portfolio Recovery with filing legal suit against them.","date_sent_to_company":"2017-03-06T21:38:04.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"2369555","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2017-03-02T16:22:24.000Z","state":"FL","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["Multiple disputes in regards to this issue have been filed over this, <em>including</em> a previous dispute with CFPB. In addition, Portfolio Recovery has not removed the XXXX accounts in question from my XXXX reports and XXXX reports. They have blatantly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed."]},"sort":[11.170135,"2369555"]},{"_index":"complaint-public-v1","_id":"2376429","_score":11.148361,"_source":{"product":"Credit reporting","complaint_what_happened":"In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, Transunion and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.","date_sent_to_company":"2017-03-07T14:31:18.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"34472","tags":null,"has_narrative":true,"complaint_id":"2376429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-03-07T14:30:45.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["Multiple disputes in regards to this issue have been filed over this, <em>including</em> a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, Transunion and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly <em>broken</em> the law as they relate to FDCPA and <em>FCRA</em> guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed."]},"sort":[11.148361,"2376429"]},{"_index":"complaint-public-v1","_id":"17888311","_score":10.895103,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because Mobiloans is reporting an account on my XXXX  credit file that I do not recognize and that appears to be the result of identity theft. I have multiple documents from law enforcement confirming that my personal information has been used by another individual without my permission. \n\nThe Florida Department of Law Enforcement ( FDLE ) conducted a Compromised Identity Review and determined that another person used my name, date of birth, and Social Security number. FDLE also confirmed that fraudulent information was attached to a second State Identification Number that does not belong to me. I also submitted the official FDLE Compromised Identity Review Claim Form, which explains that my vehicle was broken into and my personal documents, including my XXXX, drivers license, and credit cards, were stolen. These documents were later used to commit fraud in my name. \n\nThe XXXX XXXX XXXX Sheriffs Office also completed a fingerprint comparison and verified that I am not the same person associated with an arrest record that had been incorrectly tied to my identity. This fingerprint verification confirms that someone else used my identity. I am including the false arrest documents as additional evidence of the identity theft I have been dealing with. \n\nBecause of these identity theft issues, I sent Mobiloans several Method of Verification ( MOV ) requests by certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All of these were delivered and received. Mobiloans responded on XX/XX/XXXX and again on XX/XX/XXXX, but neither response complied with the Fair Credit Reporting Act. Mobiloans did not provide any proof that I ever opened the account, no signed agreement, no internal records, no transaction history, and no explanation of how they verified the information. Their responses did not meet the requirements of FCRA and did not provide any evidence that this account belongs to me. \n\nMobiloans also admitted that the last activity on the account occurred in XXXX. Despite this, XXXX continues to report this account in a way that suggests more recent activity. If any date newer than the original delinquency date is being used, this would be considered illegal re-aging under the FCRA. Mobiloans also stated that they only report to XXXX making XXXX  the only credit bureau responsible for correcting or deleting this inaccurate information. \n\nConsidering that my identity has been compromised, that Mobiloans has failed to verify the account, and that the account may be incorrectly re-aged on my credit report, I am requesting the following actions : Require Mobiloans to provide full and proper validation of the account, including signed documentation, internal account records, and the exact method of verification. \n\nRequire XXXX to delete the Mobiloans account in its entirety, because it can not be verified and is linked to documented identity theft. \n\nConduct a full investigation into Mobiloans ' compliance with the Fair Credit Reporting Act, given their failure to provide proper verification after multiple certified disputes. \n\nI am attaching all evidence, including certified mail receipts, Mobiloans responses, FDLE documentation, fingerprint verification, and the false arrest records associated with my identity. \n\nThank you for your assistance.","date_sent_to_company":"2025-12-09T18:16:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33055","tags":"Servicemember","has_narrative":true,"complaint_id":"17888311","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Mobiloans, LLC","date_received":"2025-12-09T18:16:06.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["FDLE <em>also</em> confirmed that fraudulent information was attached to a second State Identification Number that does not belong to me. I <em>also</em> submitted the official FDLE Compromised Identity Review Claim Form, which explains that my vehicle was <em>broken</em> into and my personal documents, <em>including</em> my XXXX, drivers license, and credit cards, were stolen. These documents were later used to commit fraud in my name."]},"sort":[10.895103,"17888311"]},{"_index":"complaint-public-v1","_id":"18372310","_score":10.81523,"_source":{"product":"Student loan","complaint_what_happened":"I consolidated my student loans with XXXX and my loan my transferred to Aidvantage without my permission to transferred my personal information to another company. I was also not provided with any other options to transfer my information to another agency other than Aidvantage. Transferring personal data without permission breaks various laws, including the federal Privacy Act of 1974. I now understand that companies that make privacy promises ( in their privacy policies ) and then share data without consent, treating it as an unfair or deceptive practice. \n\nI am writing to formally request the dismissal of all student loan obligations currently serviced by Aidvantage transferred account from XXXX under my name, due to violations of my privacy rights and improper handling of my personal information. \n\nNavients actions constitute a failure to adequately protect my nonpublic personal information, and may represent violations of the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and other applicable federal and state privacy and consumer protection laws. Specifically, my personal and financial data was disclosed, accessed, or handled without proper authorization, consent, or lawful purpose. \n\nPrivacy Act of 1974 ( U.S. ) : Governs federal agencies, generally prohibiting disclosure of personal records without written consent, with few exceptions. \nGramm-Leach-Bliley Act ( GLBA ) : Protects financial information, requiring institutions to explain data sharing and safeguard sensitive data. \n\nThese laws were broken during the exchange of the student loan information from XXXX to Aidvantage and I am requesting to dismiss my student loans due to my rights being violated. As a result of these violations, I have experienced harm, including but not limited to loss of privacy, distress, and potential financial risk. These actions undermine the validity and enforceability of the alleged debt and constitute grounds for full financial relief of this loan.","date_sent_to_company":"2025-12-30T19:19:09.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"23321","tags":null,"has_narrative":true,"complaint_id":"18372310","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-12-30T16:29:03.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["I was <em>also</em> not provided with any other options to transfer my information to another agency other than Aidvantage. Transferring personal data without permission breaks various laws, <em>including</em> the federal Privacy Act of 1974. I now understand that companies that make privacy promises ( in their privacy policies ) and then share data without consent, treating it as an unfair or deceptive practice."]},"sort":[10.81523,"18372310"]},{"_index":"complaint-public-v1","_id":"14031314","_score":10.657545,"_source":{"product":"Debt collection","complaint_what_happened":"First and foremost laws 15 U.S.C. 6802 15 U.S.C. 1681b 18 U.S.C. 1028A Were broken I do not consent to this debt This letter serves as a formal dispute and demand for validation of a debt that Transworld Systems Inc. has reported to the credit reporting agencies under my name, XXXX XXXX. I am requesting full validation of the alleged debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.\n\nUnder 15 U.S.C. 1692g ( b ), upon receipt of a dispute within 30 days, a debt collector must cease all collection activities and provide proper validation, including : the name and address of the original creditor, a copy of any signed agreement, and a complete payment history. Until such verification is provided, reporting this item to the credit bureaus violates the FDCPA and may also constitute inaccurate or unverifiable reporting under 15 U.S.C. 1681s-2 ( b ). \n\nI hereby request that Transworld Systems Inc. cease reporting this item to any credit bureau until full validation is completed. If you are unable to provide validation, you are required by law to request the removal of this tradeline from my credit reports immediately. \n\nPlease respond within 30 days and provide all documentation relied upon to verify this debt.","date_sent_to_company":"2025-06-13T05:05:36.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"77053","tags":null,"has_narrative":true,"complaint_id":"14031314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-06-13T04:53:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I am requesting full validation of the alleged debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 U.S.C. 1681i.\n\nUnder 15 U.S.C. 1692g ( b ), upon receipt of a dispute within 30 days, a debt collector must cease all collection activities and provide proper validation, <em>including</em> : the name and address of the original creditor, a copy of any signed agreement, and a complete payment history."]},"sort":[10.657545,"14031314"]},{"_index":"complaint-public-v1","_id":"16372499","_score":10.225573,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/year> and XX/XX/year> I sent 2 letters requesting verification listed below MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim I owe {$5400.00}. This is a formal notice that your claim is disputed. \nPlease note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. \nAny negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. \nPlease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. \n\nP.S. If needed, I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX No letter has been recievied until now wanting full payment and threating to envolve an attorney and sue me for the debt. They have completely ignored my rights in this matter and have broken the law twice by not responding within the 30 days to prove that i owe this debt.","date_sent_to_company":"2025-10-05T22:38:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"760XX","tags":null,"has_narrative":true,"complaint_id":"16372499","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-10-05T22:11:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["If needed, I will <em>also</em> provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX No letter has been recievied until now wanting full payment and threating to envolve an attorney and sue me for the debt. They have completely ignored my rights in this matter and have <em>broken</em> the law twice by not responding within the 30 days to prove that i owe this debt."]},"sort":[10.225573,"16372499"]},{"_index":"complaint-public-v1","_id":"2642247","_score":10.207863,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Original notice of Dispute to BMW Financial Services was signed for and received by them on X/XX/2017. I advised them they must validate the debt and \" Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.\nThey did not respond within the 30 days required by the FCRA & FDCPA. I sent a follow up letter notifying them of their violation. They received and signed for the 2nd letter X/XX/2017. They sent a letter X/XX/2017 stating they did n't believe it was from me and that they thought it was from a credit repair company and their policy is to only respond to requests sent directly by customers. This was their attempt to disregard the fact they had already broken the law with their failure to respond within 30 days to my original letter.\nI sent a follow up letter which they received and signed for on X/XX/2017, notifying them \" There is no verbiage in the Fair Credit Reporting Act or and/or the Fair Debt Collection Practices Act that allows for a creditor to not respond or place a \" notice of dispute '' on my account within 30 days of my dispute due to a \" reason to believe '' the request was n't sent directly by the consumer/me. Further, there was no attempt within the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you failed to respond within 30 days, period. '' There has been no further correspondence sent by BMW Financial after receipt of this letter on X/XX/2017 and they still have not placed a \" notice of dispute '' on my credit report nor have they \" validated the debt ''.","date_sent_to_company":"2017-08-15T21:03:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92585","tags":null,"has_narrative":true,"complaint_id":"2642247","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMW Financial Services NA, LLC","date_received":"2017-08-15T20:21:02.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I advised them they must validate the debt and \" Please <em>also</em> be aware that any negative mark found on my credit reports ( <em>including</em> XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the <em>FCRA</em> & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.\nThey did not respond within the 30 days required by the <em>FCRA</em> & FDCPA."]},"sort":[10.207863,"2642247"]},{"_index":"complaint-public-v1","_id":"6834833","_score":10.1222,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for engaging in fraudulent activities, illegal banking practices, unauthorized repossession of my vehicle, and potential violations of federal and state laws. The Credit Union 's branch director and her spouse, who owns XXXX XXXX XXXX XXXX in XXXX XXXX, NJ, have exploited their relationship to facilitate improper lending practices and deception. \n\nHere are the potential violations and an explanation of how each law may have been broken : Truth in Lending Act ( TILA ) violation : XXXX XXXX XXXX XXXX XXXX may have failed to provide clear and accurate information regarding loan terms and conditions, such as interest rates, fees, and other essential details. This omission may have led to a lack of transparency, preventing borrowers from making informed decisions. \n\nFair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) violation : XXXX XXXX may have illegally reported a repossession on my credit report without proper validation or proof that the debt was mine. This action not only misrepresents my financial history but also harms my credit score and ability to obtain credit in the future.\n\nConsumer Financial Protection Act ( CFPA ) violation : XXXX XXXX may have actively denied requests from the Consumer Financial Protection Bureau ( CFPB ) for information regarding this incident. By providing false information, they obstructed the CFPB 's efforts to protect consumers and enforce compliance with federal regulations. \n\nNew Jersey Lemon Law violation : XXXX XXXX may have sold me a defective vehicle without disclosing its defects or offering a proper remedy. This action goes against the law 's intent to protect consumers from purchasing faulty vehicles. \n\nEqual Credit Opportunity Act ( ECOA ) violation : If XXXX XXXX engaged in unfair lending practices or credit discrimination based on factors such as race, color, religion, or marital status, they would be in violation of ECOA, which is designed to ensure equal access to credit. \n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) violation : XXXX XXXX may have exploited their inside connections and knowledge to deceive customers or manipulate lending processes. Such actions may have caused financial harm to borrowers and are considered unfair and deceptive under the Dodd-Frank Wall Street Reform and Consumer Protection Act. \n\nI request that the CFPB investigate XXXX XXXX XXXX XXXX XXXX 's actions and ensure their compliance with federal regulations. I also request remedial action for the harm caused to me and other affected consumers, including the removal of the unauthorized repossession from my credit report. \n\nThe potential violations committed by XXXX XXXX undermine the trust and confidence consumers place in financial institutions. It is vital for regulatory agencies like the CFPB to take appropriate action to protect consumers ' rights and hold responsible parties accountable. \n\nThank you for your attention to this matter. I trust that the CFPB will investigate this issue and take necessary measures to ensure that XXXX XXXX XXXX XXXX XXXX adheres to all applicable laws and regulations. \nIn a separate instance, XXXX XXXX XXXX XXXX XXXX may have been involved in tampering with the mileage of the vehicle I purchased. The odometer may have been rolled back or altered to display a lower mileage than the vehicle 's actual mileage. This fraudulent act not only deceived me as a buyer but also potentially increased the vehicle 's value, leading to a higher loan amount. \n\nThe act of odometer tampering is a violation of federal law under the Truth in Mileage Act ( TIMA ), 49 U.S.C. 32701 et seq. TIMA requires that a vehicle 's mileage be disclosed upon transfer of ownership and prohibits the alteration or falsification of odometer readings. Additionally, the National Highway Traffic Safety Administration ( NHTSA ) enforces federal odometer laws and can impose civil penalties for violations. \n\nBy financing a vehicle with a tampered odometer, XXXX XXXX XXXX XXXX XXXX may have facilitated an illegal transaction and further violated consumer protection laws. This deceptive practice not only puts the buyer at a financial disadvantage but also undermines the integrity of the automotive market and the safety of consumers. \nAdditionally, credit bureaus XXXX, XXXX, and Experian have allowed these fraudulent activities to take place and have potentially violated federal regulations, including the Fair Credit Reporting Act ( FCRA ). \n\nHere are the violations and an explanation of how each law was broken : Fair Credit Reporting Act ( FCRA ) violation : XXXX, XXXX, and Experian allowed XXXX XXXX XXXX XXXX XXXX to illegally report a repossession on my credit report without proper validation or proof that the debt was mine. This action not only misrepresents my financial history but also harms my credit score and ability to obtain credit in the future. The credit bureaus have failed to ensure that the information they report is accurate and complete, in violation of the FCRA. \n\nConsumer Financial Protection Act ( CFPA ) violation : XXXX XXXX actively denied requests from the Consumer Financial Protection Bureau ( CFPB ) for information regarding this incident. By providing false information, they obstructed the CFPB 's efforts to protect consumers and enforce compliance with federal regulations. \n\nXXXX XXXX","date_sent_to_company":"2023-04-14T01:10:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78240","tags":null,"has_narrative":true,"complaint_id":"6834833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-14T01:10:39.000Z","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":["This deceptive practice not only puts the buyer at a financial disadvantage but <em>also</em> undermines the integrity of the automotive market and the safety of consumers. \nAdditionally, credit bureaus XXXX, XXXX, and Experian have allowed these fraudulent activities to take place and have potentially violated federal regulations, <em>including</em> the Fair Credit Reporting Act ( <em>FCRA</em> )."]},"sort":[10.1222,"6834833"]},{"_index":"complaint-public-v1","_id":"6834835","_score":10.11016,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for engaging in fraudulent activities, illegal banking practices, unauthorized repossession of my vehicle, and potential violations of federal and state laws. The Credit Union 's branch director and her spouse, who owns XXXX XXXX XXXX XXXX in XXXX XXXX, NJ, have exploited their relationship to facilitate improper lending practices and deception. \n\nHere are the potential violations and an explanation of how each law may have been broken : Truth in Lending Act ( TILA ) violation : XXXX XXXX XXXX XXXX XXXX may have failed to provide clear and accurate information regarding loan terms and conditions, such as interest rates, fees, and other essential details. This omission may have led to a lack of transparency, preventing borrowers from making informed decisions. \n\nFair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) violation : XXXX XXXX may have illegally reported a repossession on my credit report without proper validation or proof that the debt was mine. This action not only misrepresents my financial history but also harms my credit score and ability to obtain credit in the future. \n\nConsumer Financial Protection Act ( CFPA ) violation : XXXX XXXX may have actively denied requests from the Consumer Financial Protection Bureau ( CFPB ) for information regarding this incident. By providing false information, they obstructed the CFPB 's efforts to protect consumers and enforce compliance with federal regulations. \n\nNew Jersey Lemon Law violation : XXXX XXXX may have sold me a defective vehicle without disclosing its defects or offering a proper remedy. This action goes against the law 's intent to protect consumers from purchasing faulty vehicles. \n\nEqual Credit Opportunity Act ( ECOA ) violation : If XXXX XXXX engaged in unfair lending practices or credit discrimination based on factors such as race, color, religion, or marital status, they would be in violation of ECOA, which is designed to ensure equal access to credit. \n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) violation : XXXX XXXX may have exploited their inside connections and knowledge to deceive customers or manipulate lending processes. Such actions may have caused financial harm to borrowers and are considered unfair and deceptive under the Dodd-Frank Wall Street Reform and Consumer Protection Act. \n\nI request that the CFPB investigate XXXX XXXX XXXX XXXX XXXX 's actions and ensure their compliance with federal regulations. I also request remedial action for the harm caused to me and other affected consumers, including the removal of the unauthorized repossession from my credit report. \n\nThe potential violations committed by XXXX XXXX undermine the trust and confidence consumers place in financial institutions. It is vital for regulatory agencies like the CFPB to take appropriate action to protect consumers ' rights and hold responsible parties accountable. \n\nThank you for your attention to this matter. I trust that the CFPB will investigate this issue and take necessary measures to ensure that XXXX XXXX XXXX XXXX XXXX adheres to all applicable laws and regulations. \nIn a separate instance, XXXX XXXX XXXX XXXX XXXX may have been involved in tampering with the mileage of the vehicle I purchased. The odometer may have been rolled back or altered to display a lower mileage than the vehicle 's actual mileage. This fraudulent act not only deceived me as a buyer but also potentially increased the vehicle 's value, leading to a higher loan amount. \n\nThe act of odometer tampering is a violation of federal law under the Truth in Mileage Act ( TIMA ), 49 U.S.C. 32701 et seq. TIMA requires that a vehicle 's mileage be disclosed upon transfer of ownership and prohibits the alteration or falsification of odometer readings. Additionally, the National Highway Traffic Safety Administration ( NHTSA ) enforces federal odometer laws and can impose civil penalties for violations. \n\nBy financing a vehicle with a tampered odometer, XXXX XXXX XXXX XXXX XXXX may have facilitated an illegal transaction and further violated consumer protection laws. This deceptive practice not only puts the buyer at a financial disadvantage but also undermines the integrity of the automotive market and the safety of consumers. \nAdditionally, credit bureaus TransUnion, XXXX, and XXXX have allowed these fraudulent activities to take place and have potentially violated federal regulations, including the Fair Credit Reporting Act ( FCRA ). \n\nHere are the violations and an explanation of how each law was broken : Fair Credit Reporting Act ( FCRA ) violation : TransUnion, XXXX, and XXXX allowed XXXX XXXX XXXX XXXX XXXX to illegally report a repossession on my credit report without proper validation or proof that the debt was mine. This action not only misrepresents my financial history but also harms my credit score and ability to obtain credit in the future. The credit bureaus have failed to ensure that the information they report is accurate and complete, in violation of the FCRA. \n\nConsumer Financial Protection Act ( CFPA ) violation : XXXX XXXX actively denied requests from the Consumer Financial Protection Bureau ( CFPB ) for information regarding this incident. By providing false information, they obstructed the CFPB 's efforts to protect consumers and enforce compliance with federal regulations. \n\nXXXX XXXX","date_sent_to_company":"2023-04-14T01:10:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"78240","tags":null,"has_narrative":true,"complaint_id":"6834835","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-14T01:10:39.000Z","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":["This deceptive practice not only puts the buyer at a financial disadvantage but <em>also</em> undermines the integrity of the automotive market and the safety of consumers. \nAdditionally, credit bureaus TransUnion, XXXX, and XXXX have allowed these fraudulent activities to take place and have potentially violated federal regulations, <em>including</em> the Fair Credit Reporting Act ( <em>FCRA</em> )."]},"sort":[10.11016,"6834835"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":251,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":251}]}},"product":{"doc_count":251,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":105,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":61},{"key":"Credit card debt","doc_count":18},{"key":"Rental debt","doc_count":8},{"key":"Medical debt","doc_count":5},{"key":"Other debt","doc_count":5},{"key":"Auto debt","doc_count":3},{"key":"Payday loan debt","doc_count":2},{"key":"Mortgage debt","doc_count":1},{"key":"Other (i.e. phone, health club, etc.)","doc_count":1},{"key":"Payday loan","doc_count":1}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":87,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":87}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":39,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":39}]}},{"key":"Credit card or prepaid card","doc_count":5,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":5}]}},{"key":"Credit reporting","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Loan","doc_count":4}]}},{"key":"Mortgage","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FHA mortgage","doc_count":2},{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Student loan","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":3}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}}]}},"issue":{"doc_count":251,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":66,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":60},{"key":"Credit inquiries on your report that you don't recognize","doc_count":6}]}},{"key":"Written notification about debt","doc_count":66,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":49},{"key":"Didn't receive enough information to verify debt","doc_count":17}]}},{"key":"Incorrect information on your report","doc_count":27,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":15},{"key":"Account status incorrect","doc_count":8},{"key":"Account information incorrect","doc_count":4}]}},{"key":"Attempts to collect debt not owed","doc_count":24,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":19},{"key":"Debt was already discharged in bankruptcy and is no longer owed","doc_count":2},{"key":"Debt was result of identity theft","doc_count":2},{"key":"Debt was paid","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":17},{"key":"Investigation took more than 30 days","doc_count":3},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":12,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":9},{"key":"Investigation took more than 30 days","doc_count":3}]}},{"key":"False statements or representation","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":5}]}},{"key":"Threatened to contact someone or share information improperly","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Talked to a third-party about your debt","doc_count":5}]}},{"key":"Problem with a purchase shown on your statement","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Card was charged for something you did not purchase with the card","doc_count":3},{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Incorrect information on credit report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information is not mine","doc_count":3}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Threatened or 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