{"took":297,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":195,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6657983","_score":16.342226,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX \nThis is a violation in the Fair Credit Act. \nAlso, XXXX charged the account off in XXXX  Since then, the payment history reported as no data on both Experian and XXXX. \nWell, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. \nAlso, the is a federal lawsuit with XXXX fraudulently reporting payment history. This company is aware. Yall have numerous articles on it.\n\nAny inaccuracies reported must be deleted according to the Fair Credit Act.","date_sent_to_company":"2023-03-07T09:37:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"391XX","tags":null,"has_narrative":true,"complaint_id":"6657983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-03-07T09:37:25.000Z","state":"MS","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":["there was <em>inaccurate</em> data reported. I <em>disputed</em> it. They changed the payment <em>history</em> to not reported. That is illegal. The payments should have been reported on the <em>credit</em> report because it <em>builds</em> payment <em>history</em>. Gaps in payments shows inconsistently. This is also hindering my <em>credit</em> from positive payment <em>history</em>. If the payments was verified by the bureau then was is the gap in the payment <em>history</em> Starting from XXXX XXXX \nThis is a violation in the Fair <em>Credit</em> Act."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.342226,"6657983"]},{"_index":"complaint-public-v1","_id":"6657984","_score":16.324293,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX \nThis is a violation in the Fair Credit Act. \nAlso, XXXX charged the account off in XXXX Since then, the payment history reported as no data on both XXXX and Equifax. \nWell, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. \nAlso, the is a federal lawsuit with XXXX fraudulently reporting payment history. This company is aware. Yall have numerous articles on it. \nAny inaccuracies reported must be deleted according to the Fair Credit Act.","date_sent_to_company":"2023-03-07T09:37:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"391XX","tags":null,"has_narrative":true,"complaint_id":"6657984","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-07T09:37:25.000Z","state":"MS","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["there was <em>inaccurate</em> data reported. I <em>disputed</em> it. They changed the payment <em>history</em> to not reported. That is illegal. The payments should have been reported on the <em>credit</em> report because it <em>builds</em> payment <em>history</em>. Gaps in payments shows inconsistently. This is also hindering my <em>credit</em> from positive payment <em>history</em>. If the payments was verified by the bureau then was is the gap in the payment <em>history</em> Starting from XXXX XXXX \nThis is a violation in the Fair <em>Credit</em> Act."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.324293,"6657984"]},{"_index":"complaint-public-v1","_id":"6661750","_score":16.264778,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX \nThis is a violation in the Fair Credit Act. \nAlso, Santander charged the account off in XXXX. Since then, the payment history reported as no data on both XXXX and XXXX. \nWell, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile. \nAlso, the is a federal lawsuit with Santander fraudulently reporting payment history. This company is aware. Yall have numerous articles on it. \nAny inaccuracies reported must be deleted according to the Fair Credit Act.","date_sent_to_company":"2023-03-07T09:37:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"391XX","tags":null,"has_narrative":true,"complaint_id":"6661750","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-03-07T09:09:43.000Z","state":"MS","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["there was <em>inaccurate</em> data reported. I <em>disputed</em> it. They changed the payment <em>history</em> to not reported. That is illegal. The payments should have been reported on the <em>credit</em> report because it <em>builds</em> payment <em>history</em>. Gaps in payments shows inconsistently. This is also hindering my <em>credit</em> from positive payment <em>history</em>. If the payments was verified by the bureau then was is the gap in the payment <em>history</em> Starting from XXXX XXXX \nThis is a violation in the Fair <em>Credit</em> Act."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[16.264778,"6661750"]},{"_index":"complaint-public-v1","_id":"18326016","_score":15.537962,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I tried disputing twice on transunion and Equifax, it got disputed at first but came right back. I know my laws and according to the15USC1681c-2, it's not supposed to allowed to come back as it is fraudulent information and should be blocked. My credit score as tanked by XXXX points in a span of a month. I can't apply for credit cards or build my credit now. The two things on my credit are : XXXX Education Loan Status reporting : 120+ days late / Derogatory Dispute reason : I believe the reporting contains inaccurate or incomplete information. I request verification of dates, payment history, and status. If the furnisher can not validate the late or derogatory information, it must be corrected or removed. \nXXXX. XXXX XXXX XXXX XXXX Credit Card Status reporting : In Collections/ Charge-off / Closed by credit grantor Dispute reason : This account may be inaccurately reported and/or not fully validated. I request full proof of the debt, accurate balance details, correct dates, and verification of the charge-off status. If validation can not be provided, the entry must be deleted. \nI have received no information for either and the payment history is inaccurate.","date_sent_to_company":"2025-12-28T08:42:36.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"982XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18326016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-28T08:42:12.000Z","state":"WA","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I tried <em>disputing</em> twice on transunion and Equifax, it got <em>disputed</em> at first but came right back. I know my laws and according to the15USC1681c-2, it's not supposed to allowed to come back as it is fraudulent information and should be blocked. My <em>credit</em> score as tanked by XXXX points in a span of a month. I can't apply for <em>credit</em> cards or <em>build</em> my <em>credit</em> now."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem canceling <em>credit</em> monitoring or identify theft protection service"]},"sort":[15.537962,"18326016"]},{"_index":"complaint-public-v1","_id":"18326015","_score":15.469061,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I tried disputing twice on transunion and Equifax, it got disputed at first but came right back. I know my laws and according to the15USC1681c-2, it's not supposed to allowed to come back as it is fraudulent information and should be blocked. My credit score as tanked by XXXX points in a span of a month. I can't apply for credit cards or build my credit now. The two things on my credit are : XXXX Education Loan Status reporting : 120+ days late / Derogatory Dispute reason : I believe the reporting contains inaccurate or incomplete information. I request verification of dates, payment history, and status. If the furnisher can not validate the late or derogatory information, it must be corrected or removed. \nXXXX. XXXX XXXX XXXX XXXX Credit Card Status reporting : In Collections/ Charge-off / Closed by credit grantor Dispute reason : This account may be inaccurately reported and/or not fully validated. I request full proof of the debt, accurate balance details, correct dates, and verification of the charge-off status. If validation can not be provided, the entry must be deleted. \nI have received no information for either and the payment history is inaccurate.","date_sent_to_company":"2025-12-28T08:42:36.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"982XX","tags":"Servicemember","has_narrative":true,"complaint_id":"18326015","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-12-28T08:28:02.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I tried <em>disputing</em> twice on transunion and Equifax, it got <em>disputed</em> at first but came right back. I know my laws and according to the15USC1681c-2, it's not supposed to allowed to come back as it is fraudulent information and should be blocked. My <em>credit</em> score as tanked by XXXX points in a span of a month. I can't apply for <em>credit</em> cards or <em>build</em> my <em>credit</em> now."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"issue":["<em>Credit</em> monitoring or identity theft protection services"],"sub_product":["<em>Credit</em> reporting"],"sub_issue":["Problem canceling <em>credit</em> monitoring or identify theft protection service"]},"sort":[15.469061,"18326015"]},{"_index":"complaint-public-v1","_id":"16327546","_score":14.110261,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The three credit bureaus are not verifying my disputes in accordance with the FCRA. I have disputed incorrect information on my credit report and also provided a police report and FTC filing and the credit bureaus are not requesting the appropriate documents to prove or disprove these accounts. This is in violation of the FCRA. I have paid off some accounts and they are not reporting the information. There are several late payments that are reporting that I have provided payment histories for and the credit bureaus have refused to correct the negative information. I have filed several complaints with the CFPB in the past and absolutely nothing has been taken seriously or followed up on and its very discouraging that agencies that are supposed to follow up and make sure that these creditors and credit bureaus are reporting correct information doesn't. CFPB either deflects to another agency or literally does nothing. I am not certain that my complaints have ever been taken seriously. These erroneous payments on my credit has resulted in me being denied credit. It has posed the possibility of my family and I becoming homeless becuase my FICO score is reporting low due to these inaccurate payment histories. I have worked feverishly to build my credit positively and unfortunately, that does not matter as the credit bureaus and creditors are refusing to report correct information.","date_sent_to_company":"2025-10-02T15:28:59.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27107","tags":null,"has_narrative":true,"complaint_id":"16327546","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-02T15:28:27.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["These erroneous payments on my <em>credit</em> has resulted in me being denied <em>credit</em>. It has posed the possibility of my family and I becoming homeless becuase my FICO score is reporting low due to these <em>inaccurate</em> payment <em>histories</em>. I have worked feverishly to <em>build</em> my <em>credit</em> positively and unfortunately, that does not matter as the <em>credit</em> bureaus and creditors are refusing to report correct information."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[14.110261,"16327546"]},{"_index":"complaint-public-v1","_id":"2915072","_score":13.616803,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted XXXX, Equifax, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX  XXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. \n\nAlso it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from Equifax on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.","date_sent_to_company":"2018-05-22T17:26:06.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"2915072","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-05-22T16:58:28.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the <em>inaccurate</em> listing on my <em>credit</em> report. This listing is making it impossible for me to <em>build</em> an excellent <em>credit</em> <em>history</em> because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with <em>disputed</em> them multiple times and nothing is being done."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.616803,"2915072"]},{"_index":"complaint-public-v1","_id":"13682386","_score":13.572702,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Removal of Inaccurate Late Payment from XX/XX/year> Dear Kohls Credit Card Department XXXX Capital One, I am writing to respectfully dispute a late payment that was reported on my Kohls credit card account in XXXX I have been a long-standing customer and have always taken pride in maintaining a good payment history. To the best of my knowledge, I have never made a late payment on this account and have always paid on time throughout the years Ive held this card. \n\n\n\nThis reported late payment is not accurate, and I kindly ask that it be reviewed and removed from my credit reports with XXXX XXXX XXXX XXXX \n\n\n\nThis incorrect information has significantly impacted me. I am currently in the process of enlisting in the United States XXXX as XXXX XXXX, and part of the evaluation involves a review of my credit history. This erroneous late payment has created a major obstacle in my enlistment process and is preventing me from moving forward in serving my country. \n\n\n\nThis situation has also affected my mental health and caused considerable stress. I have worked hard to build and maintain good credit, and I have always been responsible with my Kohls account. I would be incredibly grateful if this late payment could be removed as a gesture of goodwill and in recognition of my consistent payment history. \n\n\n\nYour help with this would mean a great deal to me and would have a positive impact on my future. Thank you for your time and consideration","date_sent_to_company":"2025-05-24T01:47:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10701","tags":"Servicemember","has_narrative":true,"complaint_id":"13682386","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-05-24T01:28:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Request for Removal of <em>Inaccurate</em> Late Payment from XX/XX/year> Dear Kohls <em>Credit</em> Card Department XXXX Capital One, I am writing to respectfully <em>dispute</em> a late payment that was reported on my Kohls <em>credit</em> card account in XXXX I have been a long-standing customer and have always taken pride in maintaining a good payment <em>history</em>. To the best of my knowledge, I have never made a late payment on this account and have always paid on time throughout the years Ive held this card."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.572702,"13682386"]},{"_index":"complaint-public-v1","_id":"2915185","_score":13.562723,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted XXXX, XXXX, and Experian via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. \n\nAlso it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XX/XX/XXXX18 and nobody called to confirm if I was opening up a new account.","date_sent_to_company":"2018-05-22T17:26:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"2915185","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-05-22T17:26:18.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the <em>inaccurate</em> listing on my <em>credit</em> report. This listing is making it impossible for me to <em>build</em> an excellent <em>credit</em> <em>history</em> because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with <em>disputed</em> them multiple times and nothing is being done."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.562723,"2915185"]},{"_index":"complaint-public-v1","_id":"2915180","_score":13.562695,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have contacted Transunion, XXXX, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. \n\nAlso it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XXXX-XXXX-18 and nobody called to confirm if I was opening up a new account.","date_sent_to_company":"2018-05-22T17:26:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35209","tags":null,"has_narrative":true,"complaint_id":"2915180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-05-22T17:26:18.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the <em>inaccurate</em> listing on my <em>credit</em> report. This listing is making it impossible for me to <em>build</em> an excellent <em>credit</em> <em>history</em> because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with <em>disputed</em> them multiple times and nothing is being done."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"issue":["Problem with a <em>credit</em> reporting company's investigation into an existing problem"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.562695,"2915180"]},{"_index":"complaint-public-v1","_id":"13682391","_score":13.542108,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Removal of Inaccurate Late Payment from XX/XX/year> Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to respectfully dispute a late payment that was reported on my XXXX credit card account in XXXX. I have been a long-standing customer and have always taken pride in maintaining a good payment history. To the best of my knowledge, I have never made a late payment on this account and have always paid on time throughout the years Ive held this card. \n\n\n\nThis reported late payment is not accurate, and I kindly ask that it be reviewed and removed from my credit reports with XXXX XXXX and TransUnion. \n\n\n\nThis incorrect information has significantly impacted me. I am currently in the process of enlisting in the United States XXXX as XXXX XXXX, and part of the evaluation involves a review of my credit history. This erroneous late payment has created a major obstacle in my enlistment process and is preventing me from moving forward in serving my country. \n\n\n\nThis situation has also affected my mental health and caused considerable stress. I have worked hard to build and maintain good credit, and I have always been responsible with my XXXX account. I would be incredibly grateful if this late payment could be removed as a gesture of goodwill and in recognition of my consistent payment history. \n\n\n\nYour help with this would mean a great deal to me and would have a positive impact on my future. Thank you for your time and consideration","date_sent_to_company":"2025-05-24T01:47:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10701","tags":"Servicemember","has_narrative":true,"complaint_id":"13682391","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-24T01:46:46.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Subject : Request for Removal of <em>Inaccurate</em> Late Payment from XX/XX/year> Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to respectfully <em>dispute</em> a late payment that was reported on my XXXX <em>credit</em> card account in XXXX. I have been a long-standing customer and have always taken pride in maintaining a good payment <em>history</em>. To the best of my knowledge, I have never made a late payment on this account and have always paid on time throughout the years Ive held this card."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[13.542108,"13682391"]},{"_index":"complaint-public-v1","_id":"13777245","_score":13.49038,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against SELF/XXXX XXXX  for inaccurately reporting late payments and a balance on a credit card account I never activated or used. \nThis company offered a product where consumers could load their own money onto a secured card to build credit. I never deposited any funds, and I never used the card for any purchases or transactions. \nDespite never funding or using any card or account, they began reporting late payment information and a balance to the credit reporting agencies. This has caused a negative impact on my credit score and credit history, even though no financial activity occurred on my end. \nI have disputed this account directly with the credit bureaus, but the account keeps coming back as verified without any supporting documentation or explanation. \nThis appears to be a clear violation of the Fair Credit Reporting Act ( FCRA ). No debt was incurred. No services were used. The company should not report negative payment history on an account that was never funded or activated. \nI am requesting the CFPB to : Investigate this companys reporting practices Require the company to remove all negative reporting and tradelines from my credit file Provide documentation to show the basis of their verification Prevent this company from reporting derogatory information for accounts with no consumer-initiated financial activity","date_sent_to_company":"2025-05-30T02:05:37.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"38501","tags":null,"has_narrative":true,"complaint_id":"13777245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2025-05-30T01:53:40.000Z","state":"TN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["I am filing a complaint against SELF/XXXX XXXX  for <em>inaccurately</em> reporting late payments and a balance on a <em>credit</em> card account I never activated or used. \nThis company offered a product where consumers could load their own money onto a secured card to <em>build</em> <em>credit</em>. I never deposited any funds, and I never used the card for any purchases or transactions."],"sub_product":["<em>Credit</em> card debt"]},"sort":[13.49038,"13777245"]},{"_index":"complaint-public-v1","_id":"7920860","_score":13.010512,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Dispute of Closed Account Impacting Credit Score, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to you in reference to my credit report, specifically regarding a closed account that is adversely affecting my credit score. \nUpon reviewing my credit report, I noticed that a closed account, XXXX, is still listed, and its presence is negatively impacting my credit score. The account in question has been closed for [ mention the duration it has been closed ], and I believe its continued appearance on my credit report is inaccurate and unjustly affecting my creditworthiness. \nAs I am currently in the process of working towards securing a mortgage to purchase a home, it is crucial for me to address and resolve any discrepancies on my credit report promptly. The presence of this closed account is hindering my efforts to build a positive credit history, which is essential for my home-buying goals. \nI kindly request a thorough investigation into the reporting of this closed account. If it is found that the reporting is inaccurate or incomplete, I request that you take the necessary steps to correct my credit report and remove this closed account from my record. \nI appreciate your prompt attention to this dispute and request that you provide me with updates on the progress of the investigation. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require any further information. \nThank you for your assistance in resolving this matter promptly and helping me achieve my goal of homeownership.","date_sent_to_company":"2023-11-30T03:02:21.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"92025","tags":null,"has_narrative":true,"complaint_id":"7920860","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2023-11-30T02:53:19.000Z","state":"CA","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["The presence of this closed account is hindering my efforts to <em>build</em> a positive <em>credit</em> <em>history</em>, which is essential for my home-buying goals. \nI kindly request a thorough investigation into the reporting of this closed account. If it is found that the reporting is <em>inaccurate</em> or incomplete, I request that you take the necessary steps to correct my <em>credit</em> report and remove this closed account from my record."]},"sort":[13.010512,"7920860"]},{"_index":"complaint-public-v1","_id":"13438016","_score":12.733009,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting a formal complaint against XXXX Bank, XXXX, issuer of the XXXX XXXX XXXX, for inaccurately reporting a secured credit card as a charge-off. The account was opened in XX/XX/XXXX with a {$300.00} secured limit and no history of credit misuse. However, in XX/XX/XXXX, the account was reported as charged off with a {$160.00} balance, and it continues to show as past due as of XX/XX/XXXX. \n\nAs a secured card, the account was backed by a deposit meaning any default should have been covered by that deposit unless unauthorized fees or improper accounting occurred. I requested validation of the debt, itemization of any unpaid charges, and confirmation of the accounts closure or delinquency date. To date, I have received no explanation or documentation justifying the charge-off status. \n\nThis reporting appears to violate the Fair Credit Reporting Act ( FCRA ), specifically : 605 ( c ) prohibiting re-aging or extended reporting of delinquency 607 ( b ) requiring accuracy in furnishing 1681s-2 ( b ) mandating correction or deletion after dispute This misreporting is harming my credit profile and undermining my efforts to build financial stability using secured credit products.","date_sent_to_company":"2025-05-09T15:15:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"35806","tags":"Servicemember","has_narrative":true,"complaint_id":"13438016","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-09T15:15:12.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This reporting appears to violate the Fair <em>Credit</em> Reporting Act ( FCRA ), specifically : 605 ( c ) prohibiting re-aging or extended reporting of delinquency 607 ( b ) requiring accuracy in furnishing 1681s-2 ( b ) mandating correction or deletion after <em>dispute</em> This misreporting is harming my <em>credit</em> profile and undermining my efforts to <em>build</em> financial stability using secured <em>credit</em> products."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.733009,"13438016"]},{"_index":"complaint-public-v1","_id":"14534868","_score":12.663488,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Equifax for reporting inaccurate and harmful information regarding an account from XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 High Balance : {$2600.00} this account is being reported with late payments that are incorrect and unverifiable under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2 data furnishers are required to report only accurate and complete information to credit reporting agencies however this account is falsely showing derogatory payment history which I was never properly notified of under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( a ) the debt was never validated I was never given a notice of my right to dispute nor was any documentation provided this wrongful reporting is severely damaging my creditworthiness and has caused me emotional distress financial instability and loss of opportunity I am a responsible individual who has been working to build and maintain credit yet this account with invalid derogatory marks continues to misrepresent my history and harm me despite my attempts to resolve the matter with Equifax they have failed to correct or remove this inaccurate item in violation of FCRA 1681i which requires credit bureaus to conduct a reasonable reinvestigation and delete unverifiable information within 30 days the continued presence of this false information is unacceptable and I am requesting the CFPB to intervene and hold Equifax accountable I demand that Equifax be compelled to immediately delete or correct this account from my credit report and provide written confirmation of this resolution","date_sent_to_company":"2025-07-08T22:07:12.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"14534868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-08T22:05:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["account is falsely showing derogatory payment <em>history</em> which I was never properly notified of under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( a ) the debt was never validated I was never given a notice of my right to <em>dispute</em> nor was any documentation provided this wrongful reporting is severely damaging my creditworthiness and has caused me emotional distress financial instability and loss of opportunity I am a responsible individual who has been working to <em>build</em> and maintain"],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.663488,"14534868"]},{"_index":"complaint-public-v1","_id":"13086599","_score":12.637856,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute inaccurate information contained in my credit report issued by Equifax. Equifax incorrectly reports a closed XXXX XXXX XXXXXXXX XXXX XXXX  ) credit card account opened on XX/XX/XXXX, and recently closed due to overdue payments. This account unequivocally does not belong to me. \n\nI only obtained my Social Security Number ( SSN ) in XX/XX/XXXX and subsequently began applying for and using credit cards to build my credit history. Prior to XX/XX/XXXX, my relationship with XXXX XXXX  XXXX was strictly limited to a checking account. Therefore, it is impossible that this XXXX credit card account opened in XXXX belongs to me. \n\nI previously submitted a dispute regarding this matter directly to Equifax. However, they denied my request, asserting incorrectly that this account is indeed mine. This conclusion by Equifax is unreasonable and flawed. Notably, XXXX XXXX XXXXXXXX approved a new credit card for me in XX/XX/XXXX with a credit limit of {$2200.00}. If I had previously held a delinquent credit card account with them, logically, they would not have approved this new credit card. \n\nThe erroneous reporting by Equifax is significantly harming my credit profile and negatively impacting my financial opportunities. I kindly request the CFPB to intervene and require Equifax to correct this error immediately by removing the inaccurate account from my credit report. \n\nThank you very much for your prompt attention to this serious matter. I look forward to your assistance in rectifying this issue swiftly. \n\nSincerely,","date_sent_to_company":"2025-04-20T06:10:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"13086599","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-20T05:51:29.000Z","state":"MA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear Sir/Madam, I am writing to formally <em>dispute</em> <em>inaccurate</em> information contained in my <em>credit</em> report issued by Equifax. Equifax incorrectly reports a closed XXXX XXXX XXXXXXXX XXXX XXXX  ) <em>credit</em> card account opened on XX/XX/XXXX, and recently closed due to overdue payments. This account unequivocally does not belong to me. \n\nI only obtained my Social Security Number ( SSN ) in XX/XX/XXXX and subsequently began applying for and using <em>credit</em> cards to <em>build</em> my <em>credit</em> <em>history</em>."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.637856,"13086599"]},{"_index":"complaint-public-v1","_id":"15478871","_score":12.567524,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing this letter to ask for removal of a late payment reported on my credit report for the -referenced account for toyota financial. While the creditor has verified this late payment, the account has since been paid in full as of [ XXXX  ]. \n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate, complete, and up-to-date. Continuing to report this late payment after the account has been fully satisfied is misleading and does not accurately reflect my current credit standing.\n\nI am requesting that this late payment be removed from my credit report as it no longer represents the accounts status.take my financial obligations seriously and have always strived to maintain a strong payment history. This late payment was an unusual circumstance, and I kindly request a goodwill adjustment to remove it from my credit report. Removing this mark would greatly help me continue to build and maintain my credit responsibly. \n\nI respectfully remind you that the FCRA allows consumers to dispute inaccurate information and mandates that credit reporting agencies correct or delete information that is incomplete or outdated. \n\nThank you for your immediate attention to this matter. I look forward to your prompt resolution. \n\n\nXXXX XXXX","date_sent_to_company":"2025-08-23T14:46:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Lease","zip_code":"91367","tags":null,"has_narrative":true,"complaint_id":"15478871","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-08-23T14:30:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This late payment was an unusual circumstance, and I kindly request a goodwill adjustment to remove it from my <em>credit</em> report. Removing this mark would greatly help me continue to <em>build</em> and maintain my <em>credit</em> responsibly. \n\nI respectfully remind you that the FCRA allows consumers to <em>dispute</em> <em>inaccurate</em> information and mandates that <em>credit</em> reporting agencies correct or delete information that is incomplete or outdated. \n\nThank you for your immediate attention to this matter."],"company":["TOYOTA MOTOR <em>CREDIT</em> CORPORATION"]},"sort":[12.567524,"15478871"]},{"_index":"complaint-public-v1","_id":"14638135","_score":12.468373,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed XXXX XXXX accounts many times with the company and with the credit bureaus only to get more confusing inaccurate information posted to my credit accounts. These were prepaid accounts made to build credit after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments. This they remedied for me and said that one time was forgiven since it was their fault. It would make no sense for me to damage my credit and damage my good payment history I have been building. I feel stuck and bullied by the fees that are added to accounts that are prepaid and were supposed to all be closed on XX/XX/year> with nothing owed and for any inconvenience just in good standing. Since I have reported they have lied over and over with all sorts of confusing information. I do not know what to do here beside maybe having to talk to a lawyer if I can't get this resolved and report to someone that can look up to see if they are working with these prepaid cards to get profit and keep confusing and targeting people to pay because it ruins their credit. I have more accounts than I ever opened.","date_sent_to_company":"2025-07-15T02:51:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97206","tags":null,"has_narrative":true,"complaint_id":"14638135","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-15T02:38:39.000Z","state":"OR","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> XXXX XXXX accounts many times with the company and with the <em>credit</em> bureaus only to get more confusing <em>inaccurate</em> information posted to my <em>credit</em> accounts. These were prepaid accounts made to <em>build</em> <em>credit</em> after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.468373,"14638135"]},{"_index":"complaint-public-v1","_id":"14639798","_score":12.450535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed XXXX XXXX accounts many times with the company and with the credit bureaus only to get more confusing inaccurate information posted to my credit accounts. These were prepaid accounts made to build credit after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments. This they remedied for me and said that one time was forgiven since it was their fault. It would make no sense for me to damage my credit and damage my good payment history I have been building. I feel stuck and bullied by the fees that are added to accounts that are prepaid and were supposed to all be closed on XX/XX/year> with nothing owed and for any inconvenience just in good standing. Since I have reported they have lied over and over with all sorts of confusing information. I do not know what to do here beside maybe having to talk to a lawyer if I can't get this resolved and report to someone that can look up to see if they are working with these prepaid cards to get profit and keep confusing and targeting people to pay because it ruins their credit. I have more accounts than I ever opened.","date_sent_to_company":"2025-07-15T02:51:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97206","tags":null,"has_narrative":true,"complaint_id":"14639798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-15T02:51:02.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> XXXX XXXX accounts many times with the company and with the <em>credit</em> bureaus only to get more confusing <em>inaccurate</em> information posted to my <em>credit</em> accounts. These were prepaid accounts made to <em>build</em> <em>credit</em> after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.450535,"14639798"]},{"_index":"complaint-public-v1","_id":"14627764","_score":12.4062,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed XXXX XXXX accounts many times with the company and with the credit bureaus only to get more confusing inaccurate information posted to my credit accounts. These were prepaid accounts made to build credit after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments. This they remedied for me and said that one time was forgiven since it was their fault. It would make no sense for me to damage my credit and damage my good payment history I have been building. I feel stuck and bullied by the fees that are added to accounts that are prepaid and were supposed to all be closed on XX/XX/year> with nothing owed and for any inconvenience just in good standing. Since I have reported they have lied over and over with all sorts of confusing information. I do not know what to do here beside maybe having to talk to a lawyer if I can't get this resolved and report to someone that can look up to see if they are working with these prepaid cards to get profit and keep confusing and targeting people to pay because it ruins their credit. I have more accounts than I ever opened.","date_sent_to_company":"2025-07-15T02:51:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"97206","tags":null,"has_narrative":true,"complaint_id":"14627764","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-15T02:51:02.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have <em>disputed</em> XXXX XXXX accounts many times with the company and with the <em>credit</em> bureaus only to get more confusing <em>inaccurate</em> information posted to my <em>credit</em> accounts. These were prepaid accounts made to <em>build</em> <em>credit</em> after I have had many problems with financial abuse and fraud. They were in compliance and paid on time every time except when I happen to have a problem with the payment system on their end of the excepting payments."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[12.4062,"14627764"]},{"_index":"complaint-public-v1","_id":"7470611","_score":12.065557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1968 Dear Sir/Madam, I am writing to file a formal dispute regarding inaccurate information that has been reported by XXXX XXXX, specifically related to Account Number [ Account Number ]. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws and regulations. I kindly request your assistance in enforcing my legal rights to accurate credit reporting. \n\nAccount Information : Creditor : XXXX XXXX Account Number : XXXX Violations : 1. **Fair Credit Reporting Act ( FCRA ) : ** - **Section 1681e : ** XXXX XXXX has failed to maintain reasonable procedures to ensure the accuracy of the information they report. The payment status, balance, comments, payment history, and even the account number associated with Account Number [ Account Number ] might be incorrect. \n\n2. **Fair Debt Collection Practices Act ( FDCPA ) : ** - **Section 1692e : ** The reported information may be misleading and deceptive, thereby violating FDCPA by using false, deceptive, or misleading representations. \n\nPersonal Impact : This inaccurate reporting has had a profound impact on my life. For years, I have diligently managed my financial responsibilities and worked hard to build a strong credit history. However, the inaccurate information reported by XXXX XXXX has caused unwarranted confusion and stress. As a result of these inaccuracies, I have been denied credit opportunities, including a mortgage application that I had been diligently preparing for. The emotional toll and frustration of being unfairly penalized for erroneous information on my credit report can not be overstated. \n\nResolution Request : I urge the Consumer Financial Protection Bureau to investigate this matter and ensure the enforcement of my rights under the law. I request that the inaccuracies associated with Account Number [ Account Number ] be promptly addressed. Specifically, I ask for verification of the payment status, balance, comments, payment history, and account number to ensure their accuracy. If these details are found to be incorrect or unverified, I kindly request that XXXX XXXX takes the necessary steps to correct or remove this account from my credit report completely. \n\nEnclosed with this letter are supporting documents that illustrate the inaccuracies in reporting, as well as documentation of the negative impact these inaccuracies have had on my creditworthiness and financial opportunities. \n\nI appreciate your prompt attention to this matter and request timely communication regarding the investigation and resolution process. Please provide written confirmation once the dispute has been resolved and the inaccuracies have been addressed. \n\nThank you for your assistance in enforcing fair credit reporting practices and ensuring the accuracy of my credit history. I look forward to a swift resolution to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-08-29T21:57:02.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"91306","tags":null,"has_narrative":true,"complaint_id":"7470611","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-29T21:54:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Personal Impact : This <em>inaccurate</em> reporting has had a profound impact on my life. For years, I have diligently managed my financial responsibilities and worked hard to <em>build</em> a strong <em>credit</em> <em>history</em>. However, the <em>inaccurate</em> information reported by XXXX XXXX has caused unwarranted confusion and stress. As a result of these inaccuracies, I have been denied <em>credit</em> opportunities, including a mortgage application that I had been diligently preparing for."],"product":["<em>Credit</em> reporting or other personal consumer reports"]},"sort":[12.065557,"7470611"]},{"_index":"complaint-public-v1","_id":"5591603","_score":11.802739,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN IS COMMITTING PREJUDICE AGAINST ME NOT WANTING A CREDIT CARD. THEY KEEP TRYING TO SELL ME CREDIT CARDS TO BUILD UP MY CREDIT PROFILE. EXPERIAN IS SCORING A PAID ACCT AS POTENTIALLY NEGATIVE AND WILL NOT ALLOW ME TO DISPUTE DUE TO PREVIOUS DISPUTES OF ACCOUNT BEING FROM OVER 6yrs AGO. THEY WILL NOT UPDATE MY CAR LOAN FROM XXXX WHEN I MISSED PAYMENTS DUE TO COVID-19 PANDEMIC. THEY WILL NOT ALLOW ME TO DISPUTE DUE TO A PREVIOUS DISPUTE THEY DID NOT VALUE NOR CHANGE. I AM BEING CRIMINALIZED BY A CONGLOMERATE RAN BY XXXX XXXX LABELING ME AS A CREDIT RISK DUE TO REFUSING TO PURCHASE CREDIT CARDS, DISMISSING DEBT FROM OVER XXXX AND MARKING PAID IN FULL ACCTS AS POTENTIALLY NEGATIVE WHILE TELLING ME POTENTIAL CREDITORS WILL NOT LOAN TO ME DUE TO A THIN PROFILE MAKING ME A CREDIT RISK UNLESS I PURCHASE A HIGH XXXX CREDIT CARD FROM THEIR LISTED PARTNERS!!! I AM BEING VICTIMIZED BY EXPERIAN HOLDING MY FICO SCORE TO POOR ON ACCTS FROM XXXX THAT ARE CLOSED BUT THEY LIST IN RED POTENTIALLY NEGATIVE!!! EXPERIAN IS VIOLATING MY FREEDOM TO NOT CHOSE TO USE CREDIT CARDS AND REFUSING TO TAKE OFF DEBT FROM OVER 5-7 YRS DUE TO KEEPING PARTNERSHIPS WITH DEBT BUYING COMPANIES SOLD AFTER COMPANIES FILED BANKRUPTCY!!! EXPERIAN IS CRIMINALLY DEFRAUDING MY CREDIT REPUTATION WITH AN INACCURATE FICO SCORE THAT DOES NOT INCLUDE MY RENTAL NOR BILL HISTORY. I HAVE NO EVICTIONS, BANKRUPTCIES AND PAY ALL MY BILLS ON TIME. EXPERIAN HAS LABELED ME AS A POOR CREDIT RISK WITH A FICO SCORE OF XXXX USING XXXX CLOSED STUDENT LOANS DATED XXXX, AN OUTDATED PAYMENT HISTORY ON XXXX XXXX, XXXX BOUGHT DEBT OF {$610.00} DATED XXXXDISPUTE IGNORED, XXXX PAID BOUGHT DEBT FROM XXXX ALL LABELED POTENTIALLY NEGATIVE!!! I HAVE CLOSED MY XXXX XXXX XXXXXXXX CREDIT CARD ONCE IT WAS PAID IN FULL AND THEY REDUCED MY CREDIT SCORE BY XXXX XXXX KEEPING ME AT A POOR CREDIT RISK. EXPERIAN IS FORCING ME INTO PREDATORY CREDIT VULTURES WITH THEIR CRIMINAL TACTICS WITH THEIR DEBT BUYING PARTNERS AND VICTIMIZING ME BECAUSE I REFUSE TO PUT MYSELF INTO DEBT BY PURCHASING CREDIT CARDS!!!","date_sent_to_company":"2022-05-21T19:55:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92107","tags":null,"has_narrative":true,"complaint_id":"5591603","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-05-21T19:04:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["EXPERIAN IS COMMITTING PREJUDICE AGAINST ME NOT WANTING A <em>CREDIT</em> CARD. THEY KEEP TRYING TO SELL ME <em>CREDIT</em> CARDS TO <em>BUILD</em> UP MY <em>CREDIT</em> PROFILE. EXPERIAN IS SCORING A PAID ACCT AS POTENTIALLY NEGATIVE AND WILL NOT ALLOW ME TO <em>DISPUTE</em> DUE TO PREVIOUS <em>DISPUTES</em> OF ACCOUNT BEING FROM OVER 6yrs AGO. THEY WILL NOT UPDATE MY CAR LOAN FROM XXXX WHEN I MISSED PAYMENTS DUE TO COVID-19 PANDEMIC. THEY WILL NOT ALLOW ME TO <em>DISPUTE</em> DUE TO A PREVIOUS <em>DISPUTE</em> THEY DID NOT VALUE NOR CHANGE."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.802739,"5591603"]},{"_index":"complaint-public-v1","_id":"6773113","_score":11.770535,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in 2023. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. Equifax score is over 600. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially XXXX I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.","date_sent_to_company":"2023-03-30T14:46:48.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55448","tags":null,"has_narrative":true,"complaint_id":"6773113","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-03-30T14:46:42.000Z","state":"MN","company_public_response":null,"sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["All ( 3 ) <em>credit</em> bureaus have been reporting <em>inaccurate</em> information when reporting. I tried to apply for several rental properties and was denied because the <em>credit</em> bureaus was reporting to company, that they could not verify who I was, I had no <em>credit</em> <em>history</em>, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in 2023. I was not the one to put the alert on there."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.770535,"6773113"]},{"_index":"complaint-public-v1","_id":"6772927","_score":11.770535,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in XXXX. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. XXXX score is over XXXX. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially experian. I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.","date_sent_to_company":"2023-03-30T14:46:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55448","tags":null,"has_narrative":true,"complaint_id":"6772927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-30T13:48:29.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["All ( 3 ) <em>credit</em> bureaus have been reporting <em>inaccurate</em> information when reporting. I tried to apply for several rental properties and was denied because the <em>credit</em> bureaus was reporting to company, that they could not verify who I was, I had no <em>credit</em> <em>history</em>, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in XXXX. I was not the one to put the alert on there."],"product":["<em>Credit</em> reporting, <em>credit</em> repair services, or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.770535,"6772927"]},{"_index":"complaint-public-v1","_id":"7806574","_score":11.590273,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/2023, XXXX XXXX XXXX report a new installment loan account to my Experian credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for XXXX loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with Experian on XX/XX/2023. XXXX emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, \" each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX service, XXXX told Experian that the {$3000.00} loan should \" Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.","date_sent_to_company":"2023-11-06T21:00:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30331","tags":null,"has_narrative":true,"complaint_id":"7806574","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-06T20:35:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I <em>disputed</em> the results with Experian on XX/XX/2023. XXXX emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, \" each month you pay {$5.00}, which we report to the <em>Credit</em> Bureaus as interest against a loan that is held on your behalf. These successful payments <em>build</em> up your <em>credit</em> <em>history</em>, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''."],"product":["<em>Credit</em> reporting or other personal consumer reports"],"sub_product":["<em>Credit</em> reporting"]},"sort":[11.590273,"7806574"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":195,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":195}]}},"product":{"doc_count":195,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":110,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":104},{"key":"Other personal consumer report","doc_count":6}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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