{"took":296,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":44,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8082844","_score":24.724077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to comply with their own policies, inadequate investigation, and lack of transparency in the processing of my credit report dispute. This complaint is based on the following issues : Equifax has not adhered to its own dispute processing policies, as outlined in its public guidelines. Despite my submission of comprehensive documentation and supporting evidence to rectify inaccuracies on my credit report, Equifax has failed to conduct a proper investigation and resolve the dispute in a timely manner. It appears that Equifax 's actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant laws and regulations. The FCRA mandates that credit reporting agencies conduct reasonable investigations into consumer disputes. Equifax 's failure to do so raises concerns about their compliance with legal requirements. Equifax has not provided me with adequate information regarding the process and outcome of my dispute. Despite multiple requests, they have failed to furnish evidence or a detailed explanation of how they processed my dispute. This lack of transparency hinders my ability to understand the resolution process and assess the accuracy of my credit report. \nIn light of Equifax 's failure to conduct a proper investigation and provide transparency, I request that the inaccurate information identified in my credit report be promptly deleted. This action is crucial to ensure the fair and accurate reporting of my credit history.","date_sent_to_company":"2023-12-30T20:21:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"8082844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-30T20:13:08.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to file a formal <em>complaint</em> against <em>Equifax</em>, one of the major credit reporting agencies, for their failure to comply with their own policies, inadequate investigation, and lack of transparency in the <em>processing</em> of my credit report <em>dispute</em>. This <em>complaint</em> is <em>based</em> on the following <em>issues</em> : <em>Equifax</em> has not <em>adhered</em> to its own <em>dispute</em> <em>processing</em> policies, as outlined in its public guidelines."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[24.724077,"8082844"]},{"_index":"complaint-public-v1","_id":"10358664","_score":20.533371,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached. \nThere seems to have been a clerical error in reporting the payment. \nAdditionally, there is no record of any outstanding balance or missed payment based on my financial documentation. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-05T18:37:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"10358664","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-05T18:37:32.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Additionally, there is no record of any outstanding balance or missed payment <em>based</em> on my financial documentation. \nDespite providing this information and <em>adhering</em> to the <em>dispute</em> <em>process</em> within the Fair Credit Reporting Act, <em>Equifax</em> has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.533371,"10358664"]},{"_index":"complaint-public-v1","_id":"10358625","_score":20.522291,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached.\n\nThere seems to have been a clerical error in reporting the payment.\n\nAdditionally, there is no record of any outstanding balance or missed payment based on my financial documentation.\n\nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.\n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.\n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.\n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-10-05T18:37:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77084","tags":null,"has_narrative":true,"complaint_id":"10358625","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-05T18:30:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Additionally, there is no record of any outstanding balance or missed payment <em>based</em> on my financial documentation.\n\nDespite providing this information and <em>adhering</em> to the <em>dispute</em> <em>process</em> within the Fair Credit Reporting Act, <em>Equifax</em> has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.\n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.522291,"10358625"]},{"_index":"complaint-public-v1","_id":"10211919","_score":20.028774,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence. \nClerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing. \nInconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-24T05:12:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77504","tags":null,"has_narrative":true,"complaint_id":"10211919","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-24T05:07:58.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Nature of <em>Complaint</em> : I submitted a <em>dispute</em> to <em>Equifax</em> <em>disputing</em> a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my <em>dispute</em>, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : <em>Based</em> on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.028774,"10211919"]},{"_index":"complaint-public-v1","_id":"10212270","_score":20.022163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence. \nClerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing. \nInconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-24T05:12:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77504","tags":null,"has_narrative":true,"complaint_id":"10212270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-24T05:12:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Nature of <em>Complaint</em> : I submitted a <em>dispute</em> to <em>Equifax</em> <em>disputing</em> a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my <em>dispute</em>, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : <em>Based</em> on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.022163,"10212270"]},{"_index":"complaint-public-v1","_id":"10210947","_score":20.022163,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. \n\nAccount Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. \n\nNature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : Based on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence. \nClerical Error : The account in question had no outstanding balance at the time of the reported late payment. Attached are statements showing that the account was in good standing. \nInconsistent Reporting : The late payment was reported inconsistently across different credit bureaus. This indicates a discrepancy that needs to be corrected. \nDespite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. \n\nAs a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. \n\nRequested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. \n\nThank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-24T05:12:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77504","tags":null,"has_narrative":true,"complaint_id":"10210947","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-09-24T05:12:31.000Z","state":"TX","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Nature of <em>Complaint</em> : I submitted a <em>dispute</em> to <em>Equifax</em> <em>disputing</em> a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my <em>dispute</em>, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : <em>Based</em> on my banking records, the payment was made before the due date. I have attached my payment confirmation as evidence."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[20.022163,"10210947"]},{"_index":"complaint-public-v1","_id":"10689266","_score":15.404734,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account on My Credit Report To : Equifax Following the completion of your investigation into my previous dispute, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed XXXX XXXX  on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nUpon reviewing my credit report, I have identified that there has been no change since my initial dispute regarding inaccurate late payments on this account. I would like to reassert that the reported late payments are inconsistent with my payment history. I have consistently made timely payments on this account, as verified by my enrollment in autopay, which has ensured there have been no missed payments. \nI request that the records for XXXX XXXX XXXX XXXX be corrected across all bureaus to accurately reflect on-time payments, as previously requested in my initial dispute. \nComplaint Details Inaccurate Reporting : The late payments listed on my credit report do not align with my actual payment history. I request that the record reflect my adherence to all payment terms.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. \nPotential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of incorrect late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation regarding consumer accounts.\n\nTruth in Lending Act ( TILA ) : The inaccurate reporting of late payments also violates the TILA, which requires accurate credit reporting.\n\nFurthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) establish civil liability for willful and negligent noncompliance, allowing for damages, attorneys fees, and punitive damages in cases of noncompliance. \nDiscrepancies in Payment History The discrepancies in reporting by each bureau remain as follows : XXXX and XXXX : Report 30-day, 60-day, and 90-day late statuses across various months, including XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are inaccurate, as all payments were made on time. \nEquifax : Reflects late payment notations for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite timely payments. These entries are inconsistent with my payment record and negatively impact my credit standing. \nRequested Resolution I request that Equifax update this account to reflect accurate, on-time payments in accordance with my verified payment history. If this information can not be corrected, I kindly request a written explanation of the investigation process used to verify these late payments.\n\nI expect to receive written documentation confirming the correction of these entries within 30 days of this complaint submission. Failure to resolve this issue promptly may result in further action to protect my consumer rights.\n\nReference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of \" Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. \nI hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. \nIf, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as \" Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. \nAppreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. \nAttachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-05T19:40:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33126","tags":null,"has_narrative":true,"complaint_id":"10689266","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-05T19:40:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : Request for Description of Investigation <em>Process</em> - <em>Disputed</em> Account on My Credit Report To : <em>Equifax</em> Following the completion of your investigation into my previous <em>dispute</em>, I am writing to request a detailed description of the investigation <em>process</em> followed by your agency regarding the <em>disputed</em> XXXX XXXX  on my credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.404734,"10689266"]},{"_index":"complaint-public-v1","_id":"10689264","_score":15.404734,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account on My Credit Report To : Equifax Following the completion of your investigation into my previous dispute, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed XXXX XXXX on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nUpon reviewing my credit report, I have identified that there has been no change since my initial dispute regarding inaccurate late payments on this account. I would like to reassert that the reported late payments are inconsistent with my payment history. I have consistently made timely payments on this account, as verified by my enrollment in autopay, which has ensured there have been no missed payments. \nI request that the records for XXXXXXXX XXXX XXXX XXXX be corrected across all bureaus to accurately reflect on-time payments, as previously requested in my initial dispute. \nComplaint Details Inaccurate Reporting : The late payments listed on my credit report do not align with my actual payment history. I request that the record reflect my adherence to all payment terms. \nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. \nPotential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of incorrect late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation regarding consumer accounts.\n\nTruth in Lending Act ( TILA ) : The inaccurate reporting of late payments also violates the TILA, which requires accurate credit reporting.\n\nFurthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) establish civil liability for willful and negligent noncompliance, allowing for damages, attorneys fees, and punitive damages in cases of noncompliance. \nDiscrepancies in Payment History The discrepancies in reporting by each bureau remain as follows XXXX XXXX XXXX XXXX  : Report 30-day, 60-day, and 90-day late statuses across various months, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are inaccurate, as all payments were made on time. \nEquifax : Reflects late payment notations for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, despite timely payments. These entries are inconsistent with my payment record and negatively impact my credit standing. \nRequested Resolution I request that Equifax update this account to reflect accurate, on-time payments in accordance with my verified payment history. If this information can not be corrected, I kindly request a written explanation of the investigation process used to verify these late payments. \nI expect to receive written documentation confirming the correction of these entries within 30 days of this complaint submission. Failure to resolve this issue promptly may result in further action to protect my consumer rights. \nReference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of \" Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. \nI hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. \nIf, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as \" Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. \nAppreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. \nAttachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-05T19:40:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33126","tags":null,"has_narrative":true,"complaint_id":"10689264","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-05T19:40:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : Request for Description of Investigation <em>Process</em> - <em>Disputed</em> Account on My Credit Report To : <em>Equifax</em> Following the completion of your investigation into my previous <em>dispute</em>, I am writing to request a detailed description of the investigation <em>process</em> followed by your agency regarding the <em>disputed</em> XXXX XXXX on my credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.404734,"10689264"]},{"_index":"complaint-public-v1","_id":"10689355","_score":15.35804,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account on My Credit Report To : Equifax Following the completion of your investigation into my previous dispute, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed XXXX  account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. \nUpon reviewing my credit report, I have identified that there has been no change since my initial dispute regarding inaccurate late payments on this account. I would like to reassert that the reported late payments are inconsistent with my payment history. I have consistently made timely payments on this account, as verified by my enrollment in autopay, which has ensured there have been no missed payments. \nI request that the records for XXXX Account # XXXX be corrected across all bureaus to accurately reflect on-time payments, as previously requested in my initial dispute.\n\nComplaint Details Inaccurate Reporting : The late payments listed on my credit report do not align with my actual payment history. I request that the record reflect my adherence to all payment terms.\n\nViolation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. \nPotential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of incorrect late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation regarding consumer accounts.\n\nTruth in Lending Act ( TILA ) : The inaccurate reporting of late payments also violates the TILA, which requires accurate credit reporting.\n\nFurthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) establish civil liability for willful and negligent noncompliance, allowing for damages, attorneys fees, and punitive damages in cases of noncompliance. \nDiscrepancies in Payment History The discrepancies in reporting by each bureau remain as follows : XXXX and XXXX : Report XXXX, XXXX, and XXXX late statuses across various months, including XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ; and XXXX and XX/XX/XXXX. These entries are inaccurate, as all payments were made on time. \nEquifax : Reflects late payment notations for XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX ; and XXXX and XX/XX/XXXX, despite timely payments. These entries are inconsistent with my payment record and negatively impact my credit standing.\n\nRequested Resolution I request that Equifax update this account to reflect accurate, on-time payments in accordance with my verified payment history. If this information can not be corrected, I kindly request a written explanation of the investigation process used to verify these late payments.\n\nI expect to receive written documentation confirming the correction of these entries within 30 days of this complaint submission. Failure to resolve this issue promptly may result in further action to protect my consumer rights.\n\nReference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of \" Paid As Agreed Never Late '' based on the timely payments made. It is imperative that my credit report accurately represents my financial responsibility and commitment to meeting payment obligations. \nI hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly.\n\nIf, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as \" Paid As Agreed Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. \nAppreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. \nAttachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your attention to this matter. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-11-05T19:40:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33126","tags":null,"has_narrative":true,"complaint_id":"10689355","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-05T19:29:31.000Z","state":"FL","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Subject : Request for Description of Investigation <em>Process</em> - <em>Disputed</em> Account on My Credit Report To : <em>Equifax</em> Following the completion of your investigation into my previous <em>dispute</em>, I am writing to request a detailed description of the investigation <em>process</em> followed by your agency regarding the <em>disputed</em> XXXX  account on my credit report."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.35804,"10689355"]},{"_index":"complaint-public-v1","_id":"11517131","_score":15.020029,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the practices of XXXX as outlined in recent actions by the Consumer Financial Protection Bureau ( CFPB ) regarding their failure to properly investigate consumer disputes and the unlawful inclusion of inaccurate information on consumer credit reports. I am deeply concerned about the ramifications of these findings and would like to file a formal dispute regarding how my own consumer dispute with XXXX has been handled. \n\nI have submitted a dispute to XXXX in the past, and based on the allegations made by the CFPB, I believe that XXXX XXXX have failed to properly investigate and resolve my issue in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have reason to believe that XXXX : Conducted an insufficient or sham investigation into my dispute, failing to adequately address the inaccurate information on my credit report. My dispute was not thoroughly reviewed, and I was not provided with a clear or detailed response from XXXX regarding the investigations outcome. \n\nImproperly reinserted inaccurate information onto my credit report. Despite disputing an item on my report, it has reappeared under a new furnisher, causing confusion and potential damage to my creditworthiness. I do not believe XXXX took the necessary precautions to prevent this reinsertion. \n\nIn addition to these specific issues, I am concerned that Experians practices could be violating my rights under the FCRA, as well as the Consumer Financial Protection Act, which prohibits unfair acts or practices by consumer reporting agencies. \n\nGiven the CFPBs ongoing investigation into XXXX practices and the harm caused to consumers, including myself, I respectfully request that my case be reviewed and that appropriate actions be taken to ensure the accuracy of my credit report. I seek to have the erroneous information removed permanently and to receive confirmation that my dispute has been handled properly according to the law. \n\nI formally disputed with XXXX, XXXX and Equifax ). The information currently being reported is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it is both incomplete and inaccurate. \n\nThe FCRA mandates that all information furnished to credit reporting agencies must be accurate and complete ( 15 U.S.C. 1681e ( b ) ). This account is not reported in compliance with these requirements, and I am requesting that it be corrected immediately to reflect accurate and complete information. \nTo further illustrate the seriousness of these violations, I would like to bring to your attention cases in which XXXX has been sued for similar inaccuracies and violations : XXXX. XXXX v. XXXX, XXXX et al. - XXXX specific to XXXX, this case highlights the importance of accuracy in reporting, as credit agencies were held accountable for failing to ensure accurate data reporting, leading to damages for the affected individuals. \nXXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX - This case underscored XXXX failure to correct inaccuracies despite receiving disputes, resulting in legal consequences. \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - In this case, XXXX faced claims for failing to adequately investigate disputes and correct errors, further demonstrating the importance of adhering to FCRA standards. \n\nMy issues were not resolved so please consider this letter a formal dispute request, and I ask for a thorough review of how XXXX, XXXX and Equifax processed my dispute. I would appreciate any updates or information regarding the status of this complaint. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.","date_sent_to_company":"2025-01-15T00:39:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11520","tags":"Servicemember","has_narrative":true,"complaint_id":"11517131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-15T00:39:30.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["My <em>issues</em> were not resolved so please consider this letter a formal <em>dispute</em> request, and I ask for a thorough review of how XXXX, XXXX and <em>Equifax</em> <em>processed</em> my <em>dispute</em>. I would appreciate any updates or information regarding the status of this <em>complaint</em>. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this <em>issue</em>."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[15.020029,"11517131"]},{"_index":"complaint-public-v1","_id":"8765953","_score":14.579988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing this complaint in response to Equifax and Experians response to the previous disputes regarding accounts I sent notices disputing the accuracy and legality of the following accounts : XXXX XXXX, XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts that were previously disputed due to failure of adhering to the following United States Codes : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1681i ( 5 ) ( b ) ( i ) but Equifax and Experians responded to the disputes with Updated and alleged verification but failed to provide certified documentation regarding the alleged verification. Equifax responded they basically will not re-investigate my disputes and updated my consumer report to reflect the accounts as accurate or verified.\n\nThe industry standard is sending an automated customer dispute verification form ( \" ACDV '' ). Once a consumer disputes an entry in the credit report, consumer reporting agencies forward an ACDV describing the dispute to the original source. The original source verifies the disputed information by checking a box on the ACDV form indicating the adverse account is accurate.\n\nThe first issue I have with this inadequate procedure is that it violates 15 USC 1681 ( e ) - which states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. ( \" However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' ) Basically, every time Equifax and XXXX contacted a creditor regarding the information on my consumer report was a violation. \nConsumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers according to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\nEquifax and Experians inadequate reasonable procedure to ensure accuracy and fairness according to 15 USC 1681b- Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.\n\nA form sent through a database with boxes to check off does not sound like a reasonable procedure nor does it sound like it is accurate or fair. If we take a look at the Federal court case of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, et al where a jury ruled in the plaintiffs favor based on XXXX refusal to modify the re- investigation procedures. Do I need to initiate a federal court case in order to have these account removed and be rewarded {$270000.00} for punitive damages? If we take a look at XXXX vs. Equifax Information Services LLC we can conclude that the court ruled in the consumers favor due to the consumer reporting agencies failed to conduct a reasonable investigation. I have faith the consumer reporting agencies will remedy this situation by providing the certified documentation used in the dispute process or delete the above mentioned accounts immediately.","date_sent_to_company":"2024-04-13T21:34:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33511","tags":null,"has_narrative":true,"complaint_id":"8765953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-13T21:21:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing this <em>complaint</em> in response to <em>Equifax</em> and Experians response to the previous <em>disputes</em> regarding accounts I sent notices <em>disputing</em> the accuracy and legality of the following accounts : XXXX XXXX, XXXX. ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX accounts that were previously <em>disputed</em> due to failure of <em>adhering</em> to the following United States Codes : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC"],"company":["<em>EQUIFAX</em>, INC."]},"sort":[14.579988,"8765953"]},{"_index":"complaint-public-v1","_id":"11001952","_score":11.622312,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : DEMAND DELETE Bankruptcy # Chapter XXXX # XXXX Record TO THE EQUIFAX BUREAU FOR VIOLATION to FCRA, FCDRA AND TILA AND TO MY RIGHT TO PRIVACY THIS COMPLAINT IS WITH XXXX BE VIOLANTING MY RIGHT AND THE LAW FCRA TO MANY TIME. NOW I SEND THE COURT HOUSE SAIDING THEY DONT REPORT NEVER THIS BANKRUPTY TO THE EQUIFAX . NOW ATTACH IN THIS COMPLAINT THE COPY THE LETTER AND AFFIDAVIT THE COURT PROVIDE ME SAID THEY DONT REPORTING ANY INFORMATION TO THE EQUIFAX O OTHER BUREAU. So if that's the case per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they NEED REMOVE ANY information from the consumer credit file '' THIS action has caused me and my family severe mental anguish, defamation of character. I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties, I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B.\n\nDELETE INMEDIATLY Bankruptcy Account Number : [ XXXX ] XXXX of Bankruptcy : [ XX/XX/year> ] NAME COURT : XXXX  Additionally, the following accounts were included in the bankruptcy : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX DELETE BANKRUPTY AND EVERYTHING ACCOUNT INCLUDED UNDER BANKRUPCTY. \n\n\nFOR VIOLATION TO THE FCRA AND TILA : PRESENT FALSE STATEMENT UNDER INVESTIGATION THE THIS ACCOUNT AND MANINUPATION TO THE INFORMATION TO MY CREDIT REPORT CAUSING DAMAGE IN MY REPUTATION. \n\nTHIS BANKRUPTY have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. I REQUEST TO EQUIFAX THE METHOD VERIFICATION THEY USE AND THEY DONT RESPOND TO ME, CLAIMING THAT IT HAS BEEN VERIFIED WITHOUT A CONFUSING RESPONSE, WHERE IT IS OBVIOUS THAT MY RIGHTS UNDER LAW FCRA Public Law 91-506, Title VI, Section 611, Subsections A-D ARE BEING VIOLATED AND THEY ARE MANIPULATING THE INFORMATION WHERE IF THE ORIGINAL CREDITOR IS NOT PROVIDING THE INFORMATION IT IS MORE THAN CLEAR THAT THEIR INVESTIGATION IS BEING FALSE IN THIS CASE THIS PROCESS IS CONSIDER FRAUD, AND IF SO, IF I HAVE NOT AUTHORIZED EQUIFAX TO PUBLISH MY INFORMATION PUBLICLY, THE PROCESS USED IN THIS INVESTIGATION IS FRAUDULENT AND IF SO UNDER LAW FCRA 605B ( 15 U.S.C. 1681c-2 ) all PUBLIC RECORD in this complaint be DELETED immediately.\n\n15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.\n\nPublic Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.\n\n18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.\n\n( 1 ) In general.\n\nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Furthermore you have no lawful authority or permissible purpose to put any account my consumer reports Under 15 U.S.Code 1681e ( b ) and Under 15 U.S.Code 1681i ( 5 ) b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.\n\n15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence, THE PROOF IS FALSE STATEMENT, EQUIFAX IS VIOLATING THE PROCESS INVESTIGATION.\n\n15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.\n\n15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately.\n\nThe FCRA mandates EQUIFAX to promptly investigate and rectify the issues at hand within a maximum of four business days from the receipt date of this communication, as stipulated in 605B ( a ). Enclosed are relevant sections of the Fair Credit Reporting Act : 605B - Information Block in Data Breach [ 15 U.S.C. 1681c-2 ] and 604 - Permissible Use of Consumer Reports [ 15 U.S.C. 1681b ]. It is imperative to note that I did not authorize these actions, constituting a breach of my consumer privacy rights.\n\nIn accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.\n\n15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. \n\nTitle XXXX, Chapter XXXX- Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.\n\nFailure to respond satisfactorily within 10 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.","date_sent_to_company":"2024-12-03T02:21:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"40324","tags":null,"has_narrative":true,"complaint_id":"11001952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T02:21:12.000Z","state":"KY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It was reported without valid evidence, THE PROOF IS FALSE STATEMENT, <em>EQUIFAX</em> IS VIOLATING THE <em>PROCESS</em> INVESTIGATION.\n\n15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification <em>process</em> employed does not appear to <em>adhere</em> to the privacy protection requirements outlined under this section."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.622312,"11001952"]},{"_index":"complaint-public-v1","_id":"11001847","_score":11.621468,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : DEMAND DELETE Bankruptcy # Chapter XXXX # XXXX Record XXXX THE EQUIFAX BUREAU FOR VIOLATION to FCRA, FCDRA AND TILA AND TO MY RIGHT TO PRIVACY THIS COMPLAINT IS WITH XXXX BE VIOLANTING MY XXXX AND THE LAW FCRA TO MANY TIME. NOW I SEND THE COURT HOUSE SAIDING THEY DONT REPORT NEVER THIS BANKRUPTY TO THE EQUIFAX XXXX NOW ATTACH IN THIS COMPLAINT THE COPY THE LETTER AND AFFIDAVIT THE COURT PROVIDE ME SAID THEY DONT REPORTING ANY INFORMATION TO THE EQUIFAX O OTHER BUREAU. So if that's the case per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they NEED REMOVE ANY information from the consumer credit file '' THIS action has caused me and my family severe mental anguish, defamation of character. I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties, I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B. \nDELETE INMEDIATLY Bankruptcy Account Number : [ XXXX ] XXXX of Bankruptcy : [ XX/XX/year> ] NAME COURT : XXXX Additionally, the following accounts were included in the bankruptcy : XXXX XXXXccount # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX DELETE BANKRUPTY AND EVERYTHING ACCOUNT INCLUDED UNDER BANKRUPCTY. \n\n\nFOR VIOLATION TO THE FCRA AND TILA : PRESENT FALSE STATEMENT UNDER INVESTIGATION THE THIS ACCOUNT AND MANINUPATION TO THE INFORMATION TO MY CREDIT REPORT CAUSING DAMAGE IN MY REPUTATION. \n\nTHIS BANKRUPTY have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. I REQUEST TO EQUIFAX THE METHOD VERIFICATION THEY USE AND THEY DONT RESPOND TO ME, CLAIMING THAT IT HAS BEEN VERIFIED WITHOUT A CONFUSING RESPONSE, WHERE IT IS OBVIOUS THAT MY RIGHTS UNDER LAW FCRA Public Law 91-506, Title VI, Section 611, Subsections A-D ARE BEING VIOLATED AND THEY ARE MANIPULATING THE INFORMATION WHERE IF THE ORIGINAL CREDITOR IS NOT PROVIDING THE INFORMATION IT IS MORE THAN CLEAR THAT THEIR INVESTIGATION IS BEING FALSE IN THIS CASE THIS PROCESS IS CONSIDER FRAUD, AND IF SO, IF I HAVE NOT AUTHORIZED EQUIFAX TO PUBLISH MY INFORMATION PUBLICLY, THE PROCESS USED IN THIS INVESTIGATION IS FRAUDULENT AND IF SO UNDER LAW FCRA 605B ( 15 U.S.C. 1681c-2 ) all PUBLIC RECORD in this complaint be DELETED immediately.\n\n15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.\n\nPublic Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.\n\n18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.\n\n( 1 ) In general.\n\nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Furthermore you have no lawful authority or permissible purpose to put any account my consumer reports Under 15 U.S.Code 1681e ( b ) and Under 15 U.S.Code 1681i ( 5 ) b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.\n\n15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence, THE PROOF IS FALSE STATEMENT, EQUIFAX IS VIOLATING THE PROCESS INVESTIGATION.\n\n15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.\n\n15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately.\n\nThe FCRA mandates EQUIFAX to promptly investigate and rectify the issues at hand within a maximum of four business days from the receipt date of this communication, as stipulated in 605B ( a ). Enclosed are relevant sections of the Fair Credit Reporting Act : 605B - Information Block in Data Breach [ 15 U.S.C. 1681c-2 ] and 604 - Permissible Use of Consumer Reports [ 15 U.S.C. 1681b ]. It is imperative to note that I did not authorize these actions, constituting a breach of my consumer privacy rights.\n\nIn accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.\n\n15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record.\n\nTitle 15, Chapter 41- Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.\n\nFailure to respond satisfactorily within 10 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.","date_sent_to_company":"2024-12-03T02:21:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"40324","tags":null,"has_narrative":true,"complaint_id":"11001847","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T02:09:20.000Z","state":"KY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It was reported without valid evidence, THE PROOF IS FALSE STATEMENT, <em>EQUIFAX</em> IS VIOLATING THE <em>PROCESS</em> INVESTIGATION.\n\n15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification <em>process</em> employed does not appear to <em>adhere</em> to the privacy protection requirements outlined under this section."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.621468,"11001847"]},{"_index":"complaint-public-v1","_id":"11001953","_score":11.599187,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : DEMAND DELETE Bankruptcy # Chapter XXXX # XXXX Record TO THE EQUIFAX BUREAU FOR VIOLATION to FCRA, FCDRA AND TILA AND TO MY RIGHT TO PRIVACY THIS COMPLAINT IS WITH XXXX BE VIOLANTING MY RIGHT AND THE LAW FCRA TO MANY TIME. NOW I SEND THE COURT HOUSE SAIDING THEY DONT REPORT NEVER THIS BANKRUPTY TO THE EQUIFAX . NOW ATTACH IN THIS COMPLAINT THE COPY THE LETTER AND AFFIDAVIT THE COURT PROVIDE ME SAID THEY DONT REPORTING ANY INFORMATION TO THE EQUIFAX O OTHER BUREAU. So if that's the case per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they NEED REMOVE ANY information from the consumer credit file '' THIS action has caused me and my family severe mental anguish, defamation of character. I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties, I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B. \nDELETE INMEDIATLY Bankruptcy Account Number : [ XXXX ] XXXX of Bankruptcy : [ XX/XX/year> ] NAME COURT : FEDERAL Additionally, the following accounts were included in the bankruptcy : XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX DELETE BANKRUPTY AND EVERYTHING ACCOUNT INCLUDED UNDER BANKRUPCTY. \n\n\nFOR VIOLATION TO THE FCRA AND TILA : PRESENT FALSE STATEMENT UNDER INVESTIGATION THE THIS ACCOUNT AND MANINUPATION TO THE INFORMATION TO MY CREDIT REPORT CAUSING DAMAGE IN MY REPUTATION. \n\nTHIS BANKRUPTY have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. I REQUEST TO EQUIFAX THE METHOD VERIFICATION THEY USE AND THEY DONT RESPOND TO ME, CLAIMING THAT IT HAS BEEN VERIFIED WITHOUT A CONFUSING RESPONSE, WHERE IT IS OBVIOUS THAT MY RIGHTS UNDER LAW FCRA Public Law 91-506, Title VI, Section 611, Subsections A-D ARE BEING VIOLATED AND THEY ARE MANIPULATING THE INFORMATION WHERE IF THE ORIGINAL CREDITOR IS NOT PROVIDING THE INFORMATION IT IS MORE THAN CLEAR THAT THEIR INVESTIGATION IS BEING FALSE IN THIS CASE THIS PROCESS IS CONSIDER FRAUD, AND IF SO, IF I HAVE NOT AUTHORIZED EQUIFAX TO PUBLISH MY INFORMATION PUBLICLY, THE PROCESS USED IN THIS INVESTIGATION IS FRAUDULENT AND IF SO UNDER LAW FCRA 605B ( 15 U.S.C. 1681c-2 ) all PUBLIC RECORD in this complaint be DELETED immediately.\n\n15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.\n\nPublic Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.\n\n18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.\n\n( 1 ) In general.\n\nWhoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Furthermore you have no lawful authority or permissible purpose to put any account my consumer reports Under 15 U.S.Code 1681e ( b ) and Under 15 U.S.Code 1681i ( 5 ) b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\n15 U.S.Code 1681e ( b ) These accounts are in violation of not reporting 100 % accuracy.\n\n15 U.S.Code 1681i ( 7 ) Method of verification- These accounts are in violation. It was reported without valid evidence, THE PROOF IS FALSE STATEMENT, EQUIFAX IS VIOLATING THE PROCESS INVESTIGATION.\n\n15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.\n\n15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately.\n\nThe FCRA mandates EQUIFAX to promptly investigate and rectify the issues at hand within a maximum of four business days from the receipt date of this communication, as stipulated in 605B ( a ). Enclosed are relevant sections of the Fair Credit Reporting Act : 605B - Information Block in Data Breach [ 15 U.S.C. 1681c-2 ] and 604 - Permissible Use of Consumer Reports [ 15 U.S.C. 1681b ]. It is imperative to note that I did not authorize these actions, constituting a breach of my consumer privacy rights.\n\nIn accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.\n\n15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. \n\nTitle XXXX, XXXX XXXX- Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.\n\nFailure to respond satisfactorily within 10 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.","date_sent_to_company":"2024-12-03T02:21:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"40324","tags":null,"has_narrative":true,"complaint_id":"11001953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-03T02:21:12.000Z","state":"KY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["It was reported without valid evidence, THE PROOF IS FALSE STATEMENT, <em>EQUIFAX</em> IS VIOLATING THE <em>PROCESS</em> INVESTIGATION.\n\n15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification <em>process</em> employed does not appear to <em>adhere</em> to the privacy protection requirements outlined under this section."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.599187,"11001953"]},{"_index":"complaint-public-v1","_id":"9784464","_score":11.343264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS FOR THE CREDIT BUREAU EQUIFAX IS VIOLANTING MY RIGHT UNDER FCRA LAW, XXXX AND EQUIFAX NO REPORTING, ATTACH CLEAN PICTURE FOR THE INNACURATE INFORMATION A THE PROOF TO THE VIOLATION TO THE FCRA AND TILA, I TALK TO THE COURT ON MY report bankruptcies to the credit bureaus and I The COURT TOLD ME THEY do not report any bankruptcies to anybody. '' So, if that's the case. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, how did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. They also violated my rights numerous times. DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX  XXXX Bankruptcy # XXXX EQUIFAX DELETE INMEDIATLY 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record. 15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. - *Disclosure Requirements : * The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosures regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately. DELETE PLEASE THIS RECORD UNDER MY NAME PLEASE : Bankruptcy Account Number : XXXX  XXXX Bankruptcy # XXXX EQUIFAX DELETLY INMEDIATLY I express my deep disappointment in the information you have provided, as it fails to meet the minimum standards required for credit reporting. I respectfully request that you take immediate action to rectify this issue, as inaccurate and incomplete data has no place in your database or on my credit report. Should this matter not be resolved promptly, I may have to pursue legal recourse. Therefore, I kindly urge you to remove this inaccurate information from my credit report without delay. I have outlined the concerns pertaining to your reporting, as documented herewith, and I regret to inform you that it lacks comprehensiveness and fails to meet the standards I expect. In accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. It is imperative that such certification be conducted in a manner that is truthful, accurate, complete, and timely, in order to prevent any infringement upon my consumer and civil rights. Sincerely, I regret to inform you that I am deeply disappointed with the information contained in your database as it does not meet the minimum standards for accuracy and is not up-to-date. If prompt action is not taken to address this issue, I may be compelled to seek legal remedies. I firmly believe that inaccurate and imperfect information should not have any place in your database, nor should it be reflected on my credit report. Therefore, I kindly request that the erroneous data be deleted from your records without any further delay. I am writing to bring to your attention my knowledge of the illicit practices observed in your organization, whereby form letters are routinely dispatched as responses to consumer disputes and challenges, disregarding the specific details provided by each individual. Such conduct clearly contravenes the provisions outlined in 15 U.S. Code 5 1681i, which explicitly necessitates that every dispute and challenge be attentively addressed on an individual basis, solely based on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Consequently, any failure on your part to process these letters would constitute a violation of my rights as a consumer. Regrettably, I must view such negligence as a deliberate indifference to my rights, compelling me to seek legal recourse by engaging the services of my legal counsel. Sincerely DELETE BANKRUPTY AND EVERYTHING ACCOUNT OR I request a detailed explanation of the verification process used, including specific documentation and proof that complies with the requirements set forth by the FCRA and related statutes. If adequate proof is not provided within 30 days, I request that you review this information in light of the cited legal provisions and proceed with the removal of the bankruptcy record from my credit report. Additionally, please provide proof of the verification of the bankruptcy record as required by the FCRA. If such proof can not be provided, the record must be removed immediately. I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports","date_sent_to_company":"2024-08-13T18:14:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"00602","tags":null,"has_narrative":true,"complaint_id":"9784464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-13T18:01:48.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX  XXXX Bankruptcy # XXXX <em>EQUIFAX</em> DELETE INMEDIATLY 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification <em>process</em> employed does not appear to <em>adhere</em> to the privacy protection requirements outlined under this section."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.343264,"9784464"]},{"_index":"complaint-public-v1","_id":"9784438","_score":11.343264,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS FOR THE CREDIT BUREAU EQUIFAX IS VIOLANTING MY RIGHT UNDER FCRA LAW, XXXX AND EQUIFAX NO REPORTING, ATTACH CLEAN PICTURE FOR THE INNACURATE INFORMATION A THE PROOF TO THE VIOLATION TO THE FCRA AND TILA, I TALK TO THE COURT ON MY report bankruptcies to the credit bureaus and I The COURT TOLD ME THEY do not report any bankruptcies to anybody. '' So, if that's the case. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, how did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. They also violated my rights numerous times. DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX XXXX Bankruptcy # XXXX  EQUIFAX DELETE INMEDIATLY 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record. 15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. - *Disclosure Requirements : * The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosures regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately. DELETE PLEASE THIS RECORD UNDER MY NAME PLEASE : Bankruptcy Account Number : XXXX XXXXXXXX Bankruptcy # XXXX EQUIFAX DELETLY INMEDIATLY I express my deep disappointment in the information you have provided, as it fails to meet the minimum standards required for credit reporting. I respectfully request that you take immediate action to rectify this issue, as inaccurate and incomplete data has no place in your database or on my credit report. Should this matter not be resolved promptly, I may have to pursue legal recourse. Therefore, I kindly urge you to remove this inaccurate information from my credit report without delay. I have outlined the concerns pertaining to your reporting, as documented herewith, and I regret to inform you that it lacks comprehensiveness and fails to meet the standards I expect. In accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. It is imperative that such certification be conducted in a manner that is truthful, accurate, complete, and timely, in order to prevent any infringement upon my consumer and civil rights. Sincerely, I regret to inform you that I am deeply disappointed with the information contained in your database as it does not meet the minimum standards for accuracy and is not up-to-date. If prompt action is not taken to address this issue, I may be compelled to seek legal remedies. I firmly believe that inaccurate and imperfect information should not have any place in your database, nor should it be reflected on my credit report. Therefore, I kindly request that the erroneous data be deleted from your records without any further delay. I am writing to bring to your attention my knowledge of the illicit practices observed in your organization, whereby form letters are routinely dispatched as responses to consumer disputes and challenges, disregarding the specific details provided by each individual. Such conduct clearly contravenes the provisions outlined in 15 U.S. Code 5 1681i, which explicitly necessitates that every dispute and challenge be attentively addressed on an individual basis, solely based on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Consequently, any failure on your part to process these letters would constitute a violation of my rights as a consumer. Regrettably, I must view such negligence as a deliberate indifference to my rights, compelling me to seek legal recourse by engaging the services of my legal counsel. Sincerely DELETE BANKRUPTY AND EVERYTHING ACCOUNT OR I request a detailed explanation of the verification process used, including specific documentation and proof that complies with the requirements set forth by the FCRA and related statutes. If adequate proof is not provided within 30 days, I request that you review this information in light of the cited legal provisions and proceed with the removal of the bankruptcy record from my credit report. Additionally, please provide proof of the verification of the bankruptcy record as required by the FCRA. If such proof can not be provided, the record must be removed immediately. I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports","date_sent_to_company":"2024-08-13T18:14:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"00602","tags":null,"has_narrative":true,"complaint_id":"9784438","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-13T18:14:27.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX XXXX Bankruptcy # XXXX  <em>EQUIFAX</em> DELETE INMEDIATLY 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification <em>process</em> employed does not appear to <em>adhere</em> to the privacy protection requirements outlined under this section."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.343264,"9784438"]},{"_index":"complaint-public-v1","_id":"9784439","_score":11.3159,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS FOR THE CREDIT BUREAU EQUIFAX IS VIOLANTING MY RIGHT UNDER FCRA LAW, XXXX AND EQUIFAX NO REPORTING, ATTACH CLEAN PICTURE FOR THE INNACURATE INFORMATION A THE PROOF TO THE VIOLATION TO THE FCRA AND TILA, I TALK TO THE COURT ON MY report bankruptcies to the credit bureaus and I The COURT TOLD ME THEY do not report any bankruptcies to anybody. '' So, if that's the case. Per the FCRA 623 ( a ) ( 5 ) : \" If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, how did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. They also violated my rights numerous times. DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX  XXXX Bankruptcy # XXXX EQUIFAX DELETE INMEDIATLY 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record. 15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. - *Disclosure Requirements : * The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosures regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately. DELETE PLEASE THIS RECORD UNDER MY NAME PLEASE : Bankruptcy Account Number : XXXX XXXXXXXX Bankruptcy # XXXX EQUIFAX DELETLY INMEDIATLY I express my deep disappointment in the information you have provided, as it fails to meet the minimum standards required for credit reporting. I respectfully request that you take immediate action to rectify this issue, as inaccurate and incomplete data has no place in your database or on my credit report. Should this matter not be resolved promptly, I may have to pursue legal recourse. Therefore, I kindly urge you to remove this inaccurate information from my credit report without delay. I have outlined the concerns pertaining to your reporting, as documented herewith, and I regret to inform you that it lacks comprehensiveness and fails to meet the standards I expect. In accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. It is imperative that such certification be conducted in a manner that is truthful, accurate, complete, and timely, in order to prevent any infringement upon my consumer and civil rights. Sincerely, I regret to inform you that I am deeply disappointed with the information contained in your database as it does not meet the minimum standards for accuracy and is not up-to-date. If prompt action is not taken to address this issue, I may be compelled to seek legal remedies. I firmly believe that inaccurate and imperfect information should not have any place in your database, nor should it be reflected on my credit report. Therefore, I kindly request that the erroneous data be deleted from your records without any further delay. I am writing to bring to your attention my knowledge of the illicit practices observed in your organization, whereby form letters are routinely dispatched as responses to consumer disputes and challenges, disregarding the specific details provided by each individual. Such conduct clearly contravenes the provisions outlined in 15 U.S. Code 5 1681i, which explicitly necessitates that every dispute and challenge be attentively addressed on an individual basis, solely based on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Consequently, any failure on your part to process these letters would constitute a violation of my rights as a consumer. Regrettably, I must view such negligence as a deliberate indifference to my rights, compelling me to seek legal recourse by engaging the services of my legal counsel. Sincerely DELETE BANKRUPTY AND EVERYTHING ACCOUNT OR I request a detailed explanation of the verification process used, including specific documentation and proof that complies with the requirements set forth by the FCRA and related statutes. If adequate proof is not provided within 30 days, I request that you review this information in light of the cited legal provisions and proceed with the removal of the bankruptcy record from my credit report. Additionally, please provide proof of the verification of the bankruptcy record as required by the FCRA. If such proof can not be provided, the record must be removed immediately. I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports","date_sent_to_company":"2024-08-13T18:14:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"00602","tags":null,"has_narrative":true,"complaint_id":"9784439","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-13T18:14:27.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX  XXXX Bankruptcy # XXXX <em>EQUIFAX</em> DELETE INMEDIATLY 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification <em>process</em> employed does not appear to <em>adhere</em> to the privacy protection requirements outlined under this section."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[11.3159,"9784439"]},{"_index":"complaint-public-v1","_id":"11475665","_score":10.663421,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"STATEMENT OF FACTS XXXX. XXXX originally XXXX a debt that was later sold to XXXX XXXX XXXX and XXXX was not reporting any charge offs or debt claimed owed. The debt was marked as \" charged off '' on my credit report, and I took appropriate steps to address the matter, including filing an arbitration claim against XXXX XXXX XXXX. \nXXXX. Settlement Agreement : In the course of the arbitration process, XXXX XXXX XXXX proposed a settlement, which I accepted. The debt was considered resolved and was removed from my credit report. \nXXXX. Negative Reporting Reinserted : However, despite the settlement and the removal of the debt, Comenitycapital/IKEA ( XXXX original creditor ) subsequently reinserted the negative reporting onto my credit file after it was sold to XXXX XXXX XXXX XXXX This action was taken without proper investigation or notice of reinsertion, in direct violation of the Fair Credit Reporting Act ( FCRA ) requirements.\n\n4. Affidavit of Truth / Proof of Claim Non-Negotiable : An Affidavit of Truth / Proof of Claim Non-Negotiable was sent to XXXX on XXXX about XX/XX/XXXX requesting validation of debt within a specified time frame ( 10 days ) via GAAP ledger actual accounting and verification of their claim against me via a sworn affidavit or hand signed invoice in accordance with the Bill of Exchange Act ( XXXX ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act and New Jersey Statutes for lawful purposes ; a true and certified copy ( NOT photocopy ) of the Original Note / Credit Agreement and other discoverable items which Comenitycapital/IKEA has defaulted upon XXXX of this date. See Exhibit G of Affidavit of Truth /Proof of Claim Non-Negotiable See Exhibit A 5. Failure to Investigate and Correct : I am now contacting Equifax to dispute this incorrect reporting, in hopes that my efforts will finally be met without inaction or inadequate responses. Furthermore, I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), to further oversee and investigate this matter as this entry fails to meet the legal requirements of maximum possible accuracy as defined in 15 U.S.C. 1681e ( b ).\n\n6. Violation of FCRA : o Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure the accuracy of information in consumer reports. Without the original promissory note or equivalent documentation, the maximum possible accuracy can not be met.\n\no Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed under 15 U.S.C. 1681i o According to 15 U.S.C. 1681s-2, furnishers ( Comenitycapital/IKEA ) as well as all 3 major credit reporting agencies must report accurate information and correct or delete inaccurate or incomplete information upon notification.\n\no 15 U.S.C. 1681i ( 5 ) mandates that if an item is reinvestigated and found to be inaccurate, it must be corrected or removed.\n\no 15 U.S.C. 1681c ( c ) specifies that negative information can not be reinserted unless the furnisher of the information has certified that the information is accurate, and the reinsertion has been properly handled.\n\n7. Violation of Federal Rules of Evidence [ FRE ] Rule 1002, which mandates the production of the document to prove its contents.\n\n8. Violation of the Uniform Commercial Code U.C.C 8-102 which defines a certificated security and establishes that ownership or entitlement requires possession of the original document or proper assignment.\n\n9. CFPB Lawsuit Against XXXX : I recently became aware of the CFPB 's lawsuit against XXXX regarding their failure to properly investigate credit report errors and reinserting inaccurate information. This highlights a systemic issue in the credit reporting industry, where consumers are being harmed by inaccuracies and non-compliance with federal law.\n\n10. Equifax Data Breach : I also recently became aware of the fact that my personal information was part of Equifaxs data breach, but because of my late awareness of the fact I was not a part of the settlement ( I hereby reserve my right to file a claim independently for the harm done to me ). I found out this fact by going onto XXXX and typing in www.equifaxdatabreachsettlement.com and typing in my last name and the last XXXX digits of my social security number and submitting that information and received the following response : Thank You Based on the information you provided, our records indicate that your personal information was impacted by this incident. For more information, visit the FAQ page. But it further stated that : The deadline to file an XXXX Claims XXXX claim passed on XX/XX/XXXX. I have also been notified that my personal information is currently on the dark web and have printed out said claims as evidence of said breach. XXXX exhibits XXXX. \n__________________________________________________________________ SUBJECT OF DISPUTE This affidavit concerns the inaccurate reporting by EQUIFAX regarding my Comenitycapital/IKEA account XXXX XXXX. Those inaccuracies violate EQUIFAX obligations under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1581c ( b ), which mandates maximum possible accuracy of consume credit information.\n\nThe inaccuracies are as follows : The last updated dates are inaccurately reported as one of the dates ( Equifax ) are not the same as XXXX and XXXX. \n\nThe XXXX XXXX are being inaccurately reported and do not match. \n\nThe 2 YEAR PAYMENT HISTORY being reported do not match as shown on Defendants FICO report of the year XXXX whereas XXXX is the only Credit Reporting Agency showing the negative reporting.\n\nThe OLDER DEROGATORY EVENTS whereas XXXX is the only Credit Reporting Agency is showing the negative reporting and Equifax and XXXX are not. \n\nThe MORE DETAILS Date Closed portion of Defendants XXXX Report is inaccurately reported whereas 2 of the Credit Reporting Agencies ( Equifax, XXXX ) are reporting XXXX different dates and XXXX not reporting at all ; also the Last Activity portion of the same Report is inaccurately reported whereas XXXX of the Credit Reporting Agencies Terms portion of the same Report is inaccurately reporting whereas XXXX is the only Credit Reporting Agency showing a Revolving term on said report and Equifax and XXXX are not ; and also on the Scheduled Payment portion of the same Report is inaccurately reported whereas XXXX is the only Agency reporting on said portion as Equifax and XXXX are not : and also on the High Balance section of the same report is inaccurately reported whereas only XXXX is reporting on said report and Equifax and XXXX are not. \n\nNotice of Willful Noncompliance If EQUIFAX fails to correct or remove the inaccurate information or conduct a reasonable reinvestigation as required by law, this will be interpreted as a willful noncompliance under 15 U.S.C. 1681m. Additionally willful noncompliance may constitute a form of fraud, as it knowingly perpetuates the discrimination of false and damaging information, despite being notified of its inaccuracy. \n\nFraudulent reporting and failure to adhere to federal statutes will be treated as such and addressed through appropriate legal channels, including potential litigation. EQUIFAX could be held liable for : Statutory damages Punitive damages Actual damages caused by these inaccuracies Attorney fees and court costs Request for Correction or Removal I request that EQUIFAX : 1. Conduct a thorough reinvestigation of the disputed information.\n\n2. Correct or delete all inaccurate information from my credit file as mandated by the FCRA 3. Provide me with a detailed summary of the reinvestigation results.\n\nOpportunity to Resolve This Affidavit is my effort to provide EQUIFAX with the opportunity to resolve this matter amicably. I expect EQUIFAX full compliance within 30 days of receipt of this affidavit. Failure to comply will leave me no other alternative but to escalate this matter, including filing complaints with : The Consumer Financial Protection Bureau ( CFPB ). \nThe Federal Trade Commission ( FTC ). \nThe States Attorney generals Office. \nPossible legal proceedings in federal court.","date_sent_to_company":"2025-01-11T22:56:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07202","tags":null,"has_narrative":true,"complaint_id":"11475665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-11T22:32:36.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Fraudulent reporting and failure to <em>adhere</em> to federal statutes will be treated as such and addressed through appropriate legal channels, including potential litigation. <em>EQUIFAX</em> could be held liable for : Statutory damages Punitive damages Actual damages caused by these inaccuracies Attorney fees and court costs Request for Correction or Removal I request that <em>EQUIFAX</em> : 1. Conduct a thorough reinvestigation of the <em>disputed</em> information.\n\n2."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[10.663421,"11475665"]},{"_index":"complaint-public-v1","_id":"10533132","_score":10.025625,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"alleges inaccuracies and material misrepresentations in credit reporting by Equifax for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX with corresponding account number XXXX. Despite multiple disputes and clear evidence of inaccuracies, Equifax has failed to correct the information, resulting in significant harm to Consumers creditworthiness and financial stability. This complaint outlines the pattern of noncompliance by Equifax and the legal basis for Consumer 's claims. \nComplainant is XXXX and has experienced the comorbidities of XXXX-XXXX  and XXXX. Complainant contracted XXXX on at least three ( 3 ) occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), leading to prolonged periods of XXXX-XXXX, also referred to as XXXX XXXXe of XXXX XXXX ( XXXX  ), with symptoms including fatigue, brain fog, migraines, and rigors. Long-COVID significantly increases the risk of XXXX XXXX or XXXX due to clotting, and recovery can be exacerbated and prolonged by undue stress. Complainant manages XXXX  through medication, but has faced obstacles renewing medications due to supply shortages and processing delays. Sudden cessation of these medications causes severe adverse effects, including XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, Complainant received a notification from XXXX indicating that a collection account from XXXX XXXX XXXX ( \" XXXX '' ) related to XXXX XXXX had been reported on Complainant 's credit file maintained by XXXX. \nOn XXXX XX/XX/XXXX Complainant filed indirect disputes for the account with XXXX ( CFPB XXXX ), XXXX ( CFPB XXXX ), and Equifax ( CFPB XXXX XXXX challenging the accuracy on several grounds, including lack of proper notice from XXXX, failure to verify the address, and the overall legitimacy of the account under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Complainant additionally filed a direct dispute with XXXX. \nIn his initial dispute notices Complainant noted the following pertaining to the FDCPA and FCRA : 1. Lack of Proper Notice : XXXX failed to provide Complainant with proper notice of the debt as required by the FDCPA. Complainant never received any communication or notice from XXXX regarding the alleged debt, which is a fundamental violation of consumer rights under the FDCPA ; 2. Failure to Verify Address : If XXXX XXXX provided XXXX with an outdated address, XXXX had an obligation to verify the accuracy of the address before sending any notices. \nThe failure to ensure that any notice reached Complainant further underscores TSIs failure to follow reasonable procedures ; 3. Violation of FDCPA : By failing to provide Complainant with proper notice and an opportunity to dispute the debt, XXXX violated Complainants rights under the FDCPA, rendering the reporting of this account on Complainants credit file unjustified ; 4. Materially Misleading Information : The information reported by XXXX is materially misleading under the standard set forth in XXXX XXXX XXXX XXXX XXXX XXXX creating a misleading impression that adversely affects Complainants creditworthiness ; XXXX. Billing and Payment Processing Issues : Between XXXX and XXXX, XXXX XXXX had significant billing and processing irregularities on Complainants utility account, leading to delays in billing and payment processing. These issues were documented in a prior CFPB complaint filed on XX/XX/XXXX. Additionally, an energy draft for {$620.00} issued by Complainants state of residence was never applied to Complainants XXXX XXXX account, further contributing to the inaccuracies reported. \n6 No Inquiries on Credit File : There are no inquiries from XXXX in the credit files maintained by Equifax, XXXX, and XXXX, suggesting a lack of due diligence by XXXX in verifying any alleged address to which they purport to have mailed any collection notice. After receiving responses from Equifax that continued to report inaccurate and misleading information, Complainant proceeded to file subsequent indirect disputes with Equifax through various channels, including the Equifax web portal ( myequifax.com ), the Michigan Attorney General ( MIAG ) web portal, and the Consumer Financial Protection Bureau ( CFPB ) web portal. In these subsequent dispute notices, Complainant highlighted the following key issues : 1. Omission of Date of First Delinquency ( DoFD ) : Equifax had removed the XXXX  on multiple occasions, leaving the account incomplete and unverifiable for the seven- year reporting limit under the FCRA XXXX \n2. Discrepancies in Reporting Across CRAs : Complainant noted inconsistencies in how the account was being reported across the three major credit reporting agencies ( Equifax, XXXX, and XXXX ), particularly with regard to the DoFD and account balance. \n3. Failure to Verify Debt Properly : Despite Complainant 's evidence of discrepancies, Equifax continued to verify the account as accurate, even though the collection agency, XXXX XXXX XXXX ( XXXX ), had not provided valid verification of the debt. XXXX had placed the account in a restricted status and ceased collection activities as of XXXX XX/XX/XXXX. \n4. Harm and Adverse Effects : Complainant detailed the ongoing harm caused by XXXX persistence in reporting the unverifiable and misleading account, including potential impacts on housing, employment, and credit opportunities. Beginning in XX/XX/XXXX, Complainant provided specific evidence in several disputes indicating the information being furnished to Equifax by XXXX was likely inaccurate. Among the documents supplied were credit reports from all three ( XXXX ) NCRAs that showed different Dates of First Delinquency ( DoFD ), a prior CFPB complaint filed against the original creditor that alleged financial irregularities in the account, and an image of an energy draft that was never applied to Complainants account by the purported original creditor. By the end of XX/XX/XXXX, Equifax had been provided with a copy of the purported validation letter upon which XXXX alleged the collection item on the credit report was based. This letter, and its accompanying documentation, supplied to Equifax before the end of XX/XX/XXXX, showed the debt had not been properly validated because there was a discrepant amount between what the documentation from the original creditor showed and the amount alleged in TSIs validation letter, and the XXXX XX/XX/XXXX letter that responded to Complainant 's earlier XX/XX/XXXX direct dispute regarding the XXXX validation letter. \nOn at least two occasions, Equifax removed the XXXX without replacing XXXX. As noted in XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) : When a furnisher provides information to a CRA regarding an account placed for collection or charged to profit or loss, the furnisher then has 90 days in which to notify the CRA of the accounts date of delinquency, which is defined as the month and year of the commencement of the delinquency on the account that immediately preceded the action. The date of delinquency enables the CRA to calculate the seven-year window for aging-off purposeswithout it, the CRA would be unable XXXX determine when the account had been placed for collection, rendering the aging-off date impossible to calculate ( XXXX, XXXX XXXX at XXXX ). espite these issues, and no matter what factual basis on which Complainant demonstrated significant inaccuracies with the account as reported, Equifax continued to persist information it knew or had reasonable cause to believe was inaccurate, and glaringly without a Date of First delinquency on at least two ( 2 ) separate occasions. Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Equifax acknowledged Complainants disputes but took no action to remove the demonstrated inaccuracies from the files it maintains and disseminates regarding Complainant, instead processing whatever information it received from XXXX as absolute truth. On at least two such occasions Equifax failed to replace the XXXX after it was removed, leaving the account incomplete for determining whether the debt had surpassed the seven-year reporting limit. Information received from a data furnisher does not meet the accuracy and completeness standard, i.e., accuracy and not misleading, as established in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). In fact, as the CFPB has emphasized ( Consumer Financial Protection Bureau and Federal Trade Commission, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, No. XXXX XXXX, ( XXXX Cir. XX/XX/XXXX ) ), the fact that a CRA obtains information from another source simply does not mean that the information is free from error. This is not at all dissimilar from opinions within the XXXX XXXX, where in XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX, ( XXXX Cir. XXXX ), the court held that A credit reporting agencys reliance on information gathered by outside entities is reasonable so long as the information is not obtained from a source that was known to be unreliable and is not inaccurate on its face or otherwise inconsistent with the information the [ credit reporting agencies ] already had on file ( XXXX, XXXX XXXX at XXXX ( citations omitted ) ) ( XXXX XXXX XXXX XXXX XXXX ) Equifax 's XXXX to replace the XXXX  is a clear violation of XXXX ( b ), which requires CRAs to follow reasonable procedures to ensure maximum possible accuracy. Without a XXXX, Equifax was maintaining and disseminating incomplete and inaccurate information regarding the account 's status. \nWhen a CRA fails to ensure maximum possible accuracy under XXXX ( b ), ( materially misleading information can be just as damaging to a consumer as if it had come directly from the furnisher. ) ( Twumasi-Ankrah v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. \nXXXX ) ), because ( both XXXX and XXXX serve the same purpose : ensuring accuracy in consumer credit reporting. ) ( XXXX v. XXXX Banking, XXXX XXXX XXXX, XXXX XXXX, ( XXXX Cir. \nXXXX ) ). Therefore, reliance on a data furnisher does not categorically insulate a CRA from reasonable-procedures liability under section XXXX ( b ) ( CFPB XXXX Brief in XXXX ), because as XXXX articulates XXXX ( once a claimed inaccuracy is pinpointed by the consumer, the [ credit-reporting ] agency incurs only the cost of [ independently ] reinvestigating that XXXX piece of disputed information ( XXXX, XXXX XXXX XXXX XXXX, quoting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). ( XXXX, XXXX XXXX XXXX ). A CRA is required to consider and review [ a Consumers notice of dispute and accompanying documentation ] independently ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ), and the burden for ensuring maximum possible accuracy falls to the CRA as an arbiter of truth between a data furnisher and a XXXX. \nThe removal of the DoFD without replacement caused substantial harm to XXXX, potentially leading to negative outcomes in applications for housing, credit, or employment. Even if specific denials or adverse actions havent yet occurred, the mere presence of inaccurate or incomplete information could reasonably be expected to have an adverse effect on XXXX because it fails to ensure maximum possible XXXX XXXX XXXX XXXX. \nAdditionally, the inability of XXXX XXXX XXXX to validate the debt further underscores the unlawfulness of Equifax 's continued reporting of this account. XXXX, XXXX XXXX at XXXX. XXXX reliance on automated processes ( XXXX ) without reviewing new documentation or conducting thorough ( re ) investigations violates its duty to reinvestigate disputes under XXXX XXXX. XXXX ( a ). Courts have consistently held that a reasonable reinvestigation requires more than a superficial review of information provided by furnishers. In XXXX v. XXXX XXXX. Solutions, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that a reasonable [ re ] investigation must mean more than simply making only a cursory investigation into the reliability of information that is reported to potential creditors, because reasonable procedures under XXXX ( b ) are not proof of a reasonable reinvestigation under XXXX ( b ) ( XXXX, citing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). \nDespite multiple disputes from XXXX, Equifax has : XXXX. Failed to properly validate the disputed information. \nXXXX. Ignored discrepancies in the XXXX across the XXXX CRAs, leaving conflicting information in Complainants credit file. \nXXXX. Repeatedly removed and reinstated the XXXX, without permanently resolving the issue, leading to at least XXXX instances where the account was reported without a DoFD. \nXXXX. Verified the account as accurate on multiple occasions, despite the ongoing discrepancies in the XXXX and missing information in later reports. \nXXXX failure to maintain a consistent DoFD, coupled with its repeated verification of the account as accurate, despite the discrepancies across CRAs, is clear evidence of unreasonable procedures under XXXX. The cycle of removing and reinstating the XXXX demonstrates that XXXX reinvestigations were not thorough, as they failed to resolve the root issue despite multiple disputes XXXX. By failing to replace the XXXX in at least XXXX instances, Equifax left the account unverifiable for aging-off purposes, meaning it could remain on the credit report indefinitely. \nAccording to the CFPB XXXX XXXX at XXXX FR XXXX, A consumer reporting agencys policies and procedures should further identify and prevent illogical reporting of a Date of First Delinquency in connection with an account. XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX Fed. XXXX. XXXX, XXXX ( XXXX XXXX, XXXX ). Section XXXX ( a ) of the FCRA ensures that accounts placed for collection or charged to profit and loss can not remain on a consumer report for more than XXXX years and 180 days from the Date of First Delinquency. This provision exists so that consumers can rebuild their credit after a delinquency. Failure to properly reflect the XXXX, as seen in XXXX mishandling, allows a delinquency to persist indefinitely, perpetuating inaccurate reporting and undermining consumer rights under the FCRA. \nBy verifying the account as accurate while reporting conflicting information, XXXX actions were not only unreasonable but also suggest they did not follow proper reinvestigation procedures. This pattern of behavior underscores systemic inadequacies in their handling of the dispute process, as each investigation failed to correct the inaccuracies. The removal of the DoFD without replacement rendered the account incomplete and inaccurate, in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which requires CRAs to correct or delete any information found to be inaccurate or incomplete. As noted in XXXX v. \nXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), when a creditor continues to furnish a [ XXXX ] XXXX with information about a consumer that the XXXX knows or has reasonable cause to believe is inaccurate, the XXXX is required to act. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that it is incumbent upon the [ XXXX ] to permanently delete and cloak the false or inaccurate information from the files the XXXX maintains and disseminates regarding a consumer to which the file pertains. ( emphasis added ). \nContinuing to report the account without a DoFD constitutes inaccurate and incomplete reporting, violating the accuracy and completeness standards under XXXX. \nThus, Equifax should have deleted the account. Under the CFPB XXXX opinion on facially false information, beginning at XXXX XXXX XXXX, consumer reporting agencies ( CRAs ) are required to detect and prevent the inclusion of facially inaccurate data in the files they maintain or disseminate regarding a consumer. \nXXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX Fed. XXXX. XXXX ( XXXX XXXX, XXXX ). This requirement extends to data that would render accounts or tradelines inaccurate and/or incomplete. As the advisory opinion explains, [ i ] naccuracies in consumer reports can, in part, be attributed to consumer reporting agencies failing to maintain reasonable procedures, such as business rules, to prevent the inclusion of facially false data, including logical inconsistencies relating to consumer data and/or the status or other information associated with consumer accounts, when preparing consumer reports. ( XXXX FR XXXX ). The advisory opinion further clarifies that [ a ] consumer reporting agencys policies and procedures [ shall ] be sufficient to detect tradelines with account statuses or codes that are plainly inconsistent with other information reported for that same account, such that, if included in a consumer report, at least XXXX item of information therein would necessarily be inaccurate. ( XXXX FR XXXX ). \nWhen such facially inaccurate data finds its way into the files that CRAs maintain and disseminate regarding a consumer, the violation is willful if it is inconsistent with authoritative guidance from a relevant agency, such as the CFPB or FTC. ( XXXX XXXX XXXX citing XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) and Fuges v. XXXX XXXX. XXXX, XXXX XXXX \n, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). In fact, the legislative intent behind the FCRA does not allow XXXX to evade responsibility when misleading information finds its way into a report, even if it originates from a third party, as emphasized in XXXX XXXX XXXX XXXX, XXXX : XXXX surely did not intentionally weave an exception into the fabric of the FCRA that would destroy its remedial scheme by allowing a credit reporting agency to escape responsibility for its carelessness whenever misleading information finds its way into a credit report through the agency of a third party. ( XXXX, XXXX XXXX at XXXX ). \nMoreover, XXXX was concerned with the harm to consumers stemming from incomplete credit reporting just as much as it was concerned with inaccurate credit reporting ( XXXX ). Incomplete or inaccurate reporting encompass [ es ] not only false information, but also correct information that nevertheless create [ XXXX ] a materially misleading impression ( XXXX, quoting XXXX v. XXXX Fed. XXXX. Bank, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). \nAs the XXXX XXXX explained in XXXX, a credit report is inaccurate under XXXX ( b ) and XXXX ( a ) if it omits accurate information that could reasonably be expected to adversely affect a consumers creditworthiness ( XXXX ). This explanation is echoed by the XXXX XXXX in XXXX, where the court, quoting XXXX, defined materially misleading information as information that [ is ] misleading in such a way and to such an extent that it [ could have been ] expected to have an adverse effect [ on the consumer ] ( XXXX, XXXX XXXX at XXXX, as cited in XXXX ). \nAccording to XXXX, omission of material information can render technically accurate information misleading and, thus, actionable under the FCRA ( XXXX ). In short, material omissions render a credit report inaccurate ( XXXX ). \nEquifax removed the DoFD from credit files it maintains and disseminates regarding XXXX on at least XXXX ( XXXX ) occasions in an attempt to correct inaccurate information. However, rather than deleting the account tradeline as XXXX demanded, Equifax chose instead to remove the XXXX, which caused the account/tradeline to report as a perpetual collection, thereby making the information even more inaccurate in such a way and to such an extent that it [ could have been ] expected to have an adverse effect ( XXXX ) on Complainant, potentially exposing Complainant to an endless cycle of housing instability, credit denials, and weaker employment prospects. \nWithout an accurate DoFD, a CRA would be unable to determine when [ an account/tradeline ] [ was ] placed for collection, rendering the aging-off date impossible to calculate ( XXXX, XXXX XXXX at XXXX ). The aging-off date enables a CRA to XXXX when the account is no longer eligible for reporting under the seven-year statute of limitations for negative information ( XXXX ; see also XXXX FR XXXX ). The removal of the DoFD without replacement rendered the account/tradeline incomplete and thus inaccurate. Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), information that is found to be inaccurate or incomplete must be either corrected or deleted. \nHowever, in this instance, it was XXXX own 'correction'the removal of the XXXX that resulted in further inaccuracies. Harm resulted not only from the removal of the DoFD itself but also because the account continued to persist in the files Equifax maintains and disseminates regarding XXXX as a perpetual collection, despite its unverifiable status. In the jury instructions for XXXX, as cited in XXXX, XXXX willful violation of the FCRA XXXX when the defendant knowingly and intentionally committed an act in conscious disregard for the rights of the consumer ' ( XXXX XXXX XXXX XXXX at XXXX ( quoting XXXX, XXXX XXXX at XXXX ) ). XXXX v. XXXX Banking, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). \nThis situation reflects broader systemic issues in how nationwide consumer reporting agencies ( NCRAs ) including Equifaxhandle consumer disputes. As noted in the CFPBs XXXX blog post, When information is wrong or incomplete, consumers have the right to get that information corrected. But in their complaints to the CFPB, consumers talked about a system by which the nationwide consumer reporting agenciesEquifax, XXXX, and TransUnionput up barriers, hampering their ability to exercise their rights ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX, CFPB Blog ( XXXX XXXX, XXXX ) ). This highlights the willful disregard of consumers ' rights by maintaining inaccurate data and obstructing their ability to correct the record. XXXX failure to reinstate or provide a replacement for the XXXX, despite knowing the debts unverifiable status, reflects this pattern of disregard and supports a finding of willfulness. \nThus, even though Equifax XXXX not have acted with malicious intent, their actions qualify as willful violations because they disregarded established regulations and case law. \nUnder XXXX XXXX. XXXX ( a ) ( FCRA Section XXXX ), CRAs are required to correct or delete inaccurate information after reinvestigation. However, XXXX continued reporting of an account with discrepancies, particularly the absence of the XXXX, compounded the inaccuracies. By relying on incomplete information and failing to properly reinvestigate the disputed data, Equifax perpetuated inaccuracies in the files it maintains and disseminates regarding XXXX. \nFurthermore, by failing to adhere to statutory obligations and the authoritative interpretations from the CFPB, as well as judicial rulings in XXXX, XXXX, and XXXX, Equifax not only violated FCRA requirements but also demonstrated a systemic failure in following reasonable procedures to ensure accuracy. These violations, under the framework set forth by both XXXX and the CFPB, qualify as willful because Equifax knowingly acted in conscious disregard of the rights of the consumer. \nAs a result, XXXX conduct continues to persist and disseminate misleading information that harms or is likely to cause harm to XXXX. This constitutes a violation of the accuracy and not misleading standard as established in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), which requires consumer reporting agencies to ensure that the information they report is not only accurate but also not misleading, as required under XXXX XXXX. XXXX ( b ). These failures directly expose Complainant to ongoing and severe consequences, including housing instability, credit denials, and weakened employment prospects. Credit reporting inaccuracies can lead to severe and far-reaching consequences, affecting not only individual consumers but the entire economy. As noted during the XXXX XXXX House XXXX XXXX XXXX hearing on consumer credit reporting, Whether in assessing credit, employment, housing, insurance or even utilities, the information provided by the major [ XXXX ] CRAs has the power to either open or foreclose a vast array of opportunities that undergird economic security and social justice for consumers ( opening statement of XXXX XXXX, House XXXX XXXX XXXX XXXX XXXX ). \nMoreover, the allocation of credit, described as the lifeblood of the American economy, hinges on the reliability of these reports ( opening statement of XXXX XXXX XXXX. \nXXXX continued reporting of inaccurate and incomplete information in the files it maintains and disseminates regarding XXXX, despite repeated disputes and ample evidence of unverifiable and misleading data, constitutes a clear violation of its obligations under the Fair Credit Reporting Act ( FCRA ). Despite receiving several indirect dispute notices from the XXXX, Equifax has consistently failed to conduct reasonable reinvestigations as required under XXXX XXXX. XXXX. Furthermore, XXXX failure to ensure the maximum possible accuracy of the information it reports, as required under XXXX XXXX. XXXX ( b ), has resulted in the persistence of inaccurate and incomplete information in the files Equifax maintains regarding Complainant, specifically the repeated removal and failure to replace the Date of First Delinquency ( DoFD ) on the XXXX XXXX XXXX. \naccount. \nThe removal of the XXXX without a proper replacement, coupled with XXXX premature and unfounded verification of the account, has perpetuated a cycle of harm to the Complainant, including negative impacts on creditworthiness, financial stability, housing stability, and employment opportunities. XXXX reliance on the data provided by XXXX XXXX XXXX, despite its known unreliability and the clear discrepancies in the validation of the debt, further demonstrates a systemic failure to meet its statutory obligations. \nIn light of these ongoing violations, XXXX actions constitute willful noncompliance with the FCRA, as the company has disregarded both the statutory requirements and the authoritative guidance from the CFPB and relevant case law. \nComplainant remains exceptionally vulnerable to the conduct of Equifax, and continues to suffer serious harm. Complainant is entitled to relief from XXXX egregious conduct that includes, but is not limited to the immediate deletion of the XXXX XXXX XXXX. \naccount/tradeline from any and all files Equifax maintains and disseminates regarding XXXX.","date_sent_to_company":"2024-10-22T23:19:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48111","tags":null,"has_narrative":true,"complaint_id":"10533132","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-22T22:59:16.000Z","state":"MI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Billing and Payment <em>Processing</em> <em>Issues</em> : Between XXXX and XXXX, XXXX XXXX had significant billing and <em>processing</em> irregularities on Complainants utility account, leading to delays in billing and payment <em>processing</em>. These <em>issues</em> were documented in a prior CFPB <em>complaint</em> filed on XX/XX/XXXX."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[10.025625,"10533132"]},{"_index":"complaint-public-v1","_id":"9574780","_score":9.440852,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Please see the attached as evidence on both the XXXX XXXX XXXX and the XXXX XXXX or XXXX XXXX negatively reported accounts. \nAll three CRAs have stated they verified the XXXX XXXX TAB account and have found me to be lying and, through FCRA investigation requirements, have concluded, based on documentation, account, and billing statements, specific inquiry into my incessant claims of having on XX/XX/XXXX reported immediately to the XXXX XXXX XXXX Department of fraudulent transactions due to identity theft, a listing of the XXXX hotels that are under the same parent company, the employees involved, and how the fraud occurred, for which each time over XXXX months I called to check status of investigation and holding these fraudulent actors accountable. I have spoken twice with XXXX XXXX XXXX, as requested via email. Both times, the following was stated to me ; We were never asked, inquired about, nor provided any documentation on the fraudulent occurrences due to identity theft because the CRAs only requested verification of the account being obtained. On my own and for me, so because you filed complaints through the CFPB, which has no bearing on us, and because the XXXX was requesting verification of your opening the account as owner, we will not provide you or them with any further information. It would have been best if you had come only through us, but because you didnt, we are not offering any additional information about the fraud due to identity theft transactions. I am requesting the CFPB either request the time-stamped documentation, billing, and transactional history, the reporting history, and the information requested by each CRA of XXXX XXXX XXXX XXXX to the fraudulent transactions due to identity theft, as each has stated repeatedly they have acted by FCRA guidelines and have determined to leave this negatively reported dishonest, fraudulent account on my credit file when the original creditor states they have neither requested nor received such information, simply verification the account was my own. I am requesting the CFPB to investigate these investigative processes as well as refer this case to the XXXX XXXX, which can investigate XXXX XXXX XXXX. All I am doing is further stating that if this is commissioned and if I am found to have been dishonest, misled, misrepresented, and committed fraud on a federal site against a federal agency, I will be criminally charged and held fully accountable. I attest again to the CFPB and the CRAs here, as an oath, XXXX XXXX TAB is knowingly, willfully, and intentionally committing additional fraud and has stated my filing complaints has sealed my fate. However, I am sure of my telling the truth, which in turn makes me sure that the CRAs have not investigated, have not had the time-stamped documentation, statements, transactional history, etc., called for under FCRA, XXXX this account would have long ago been deleted. Attached is the proof of mailing XXXX priority receipt all documents to XXXX XXXX inclusive of the FTC, CFPB complaints, the Notice XXXX XXXX and obligations of Furnishers with the returned file torn open and then refused, which was admitted to. \nOn the second negatively reported account, LVNV and Credit XXXX, I also have attached proof of their both receiving the same file PRIOR to then reporting negatively against FCRA guidelines, and further, a Letter of Verification from XXXX XXXX for all CRAs to delete all negative accounts connected to Credit XXXX. This is being refused. \n\nWhile XXXX and Equifax have demonstrated professionalism, respect, and compliance with the FCRA and the CFPB and have been communicative, efficient, and 95 % fair while adhering to laws, regulations, and guidelines, I request a thorough investigation into these XXXX accounts. I am seeking a conclusive outcome that addresses any potential criminal implications for myself and the conduct of the XXXX CRAs and XXXX XXXX XXXX. \nXXXX has in total, and with total disregard for FCRA, the CFPB, myself, and likely thousands of other consumers like myself who should unite ; I am requesting a full review, investigation, and an investigation into the comprehensive, willful, intentional neglect, actions, and harm imposed on myself through unlawful reporting, inaccurate systemic inaccurate and false reporting, failure to investigate, to give an adequate response, failure to communicate, and a willful disregard of FCRA, the FTC, CFPB guidelines and oversight as is pervasive throughout my account, and is most likely a strong, reasonable conclusive objectively derived necessitation for a comprehensive investigation as their having a systemic, foundational, and operational deficiency that possibly hundreds of thousands citizens of specific statuses, economic levels, and class of our society is facing daily, and the overall economic harm being caused to our country. When XXXX months later, after multiple accounts unlawfully stating accounts as XXXX in chapter XXXX bankruptcy while still providing amounts owed, past due, negative delinquencies ; While taking a title-loan that was closed and written off over a year ago with an original debt and total debt owed even according to the creditor of {$3800.00} and less than XXXX months later, XXXX intentionally XXXX credit by taking that amount up by a 300 % interest rate to now show me owing over {$11000.00} and growing every month, increasing debt amount, the amount owed and being repeatedly disputed as an unlawful, intentional fraud to cause my credit and financial standing continued harm is not operational malfunction at a single level ; it is along with all other unlawful actions evidence of a pervasive systematic unfair, improper act against most likely the lower 30 % of our country. If XXXX were to ask the original creditor what amount would satisfy the debt, and the answer is {$3800.00}, why is XXXX stating to all possible creditors that the number is nearly 300 % higher and growing? How does XXXX knowingly and intentionally leave a fraudulent account due to fraud on my report for over XXXX years, knowing it was removed from every other CRA immediately, inclusive of XXXX, and then placed back on my credit file? Especially after XXXX XXXX, XXXX of the creditors from XXXX, has agreed it is unlawful and incorrect? Why does XXXX report completely inaccurate information on almost every account? Is it objectively clear, and refuses to fix it? Why does XXXX not once mail out a copy of my credit report, an explanation of an investigation, and never once find that a single dispute results in a finding in my favor, even when clearly evident? XXXX has never once investigated under FCRA as guided and has never once responded to a single complaint, dispute, or factual unlawful act by repairing it. XXXX XXXX was sent pages of substantial, incessant, harmful, unlawful, and inaccurate complaints, to which they responded the issues had already been raised. Nothing about the issues being addressed, nothing about correcting the issues, and I am requesting the CFPB, given my persistence in bringing forward significant, numerous, continual unlawful, anti-regulatory, actions that have caused me financial harm at the highest level, simply request XXXX to provide time-stamped documentation, tangible information, a listing of what measures XXXX used in investigating issues raised and an explanation why they repeatedly act unlawfully, incompetently, and with such disregard to FCRA in the pursuit of harming an entire status of class in our society and review them from a large segment of our citizenry that is devastating the financial strength, capability, and increasing inequitably the challenges when this segment and class of our society is the least empowered already.","date_sent_to_company":"2024-07-21T12:41:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38122","tags":null,"has_narrative":true,"complaint_id":"9574780","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-07-21T12:41:17.000Z","state":"TN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX was sent pages of substantial, incessant, harmful, unlawful, and inaccurate <em>complaints</em>, to which they responded the <em>issues</em> had already been raised."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[9.440852,"9574780"]},{"_index":"complaint-public-v1","_id":"13097008","_score":9.0022745,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO EXPERIAN Equifax and TransUnion Dear Sir or Madam : I am the victim of identity theft. An unknown person got an apartment in my name, opened a XXXX credit card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in bankruptcy. Your Bankruptcy case number is XXXX. All charges were unauthorized, and I did not make them. I did not authorize any transactions on or after this date, XX/XX/XXXX. I did not authorize anyone to get credit in my name. This is a matter of utmost urgency. Please fix my credit immediately.\n\nThis letter will serve as a demand letter/intent to sue notice required by my county. On XX/XX/XXXX, I sent you a certified package. XXXX  Enclosed in that package was A notarized identity theft report, a copy of valid government identification, a current copy of my credit file, a letter stating the items were not authorized by me, and a request to be blocked. The following accounts were listed : Your records will show that I have disputed these items as Not Mine over the years because they do not belong to me. In XX/XX/XXXX, a police report was filed. With XXXX XXXX Police Department XXXX, Ohio On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I called Equifax, Experian, and TransUnion. I was advised that these items would be removed, and they have been removed. Six months later, it was put back on my credit report. Even though it is an identity theft claim, a 30-day re-investigation process is required. I have repeatedly tried to resolve this issue, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this Section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\nOnce those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under Subsection ( a ) of this Section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this Section; and ( 4 ) of the effective dates of the block.\n\nIf Equifax Experian and TransUnion decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block or may rescind any block of information relating to a consumer under this Section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or the consumer requested a block in error ; ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to the consumer. Suppose a block of information is declined or rescinded under this Subsection. In that case, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under Section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within five business days after the reinsertion. \nOn XX/XX/XXXX, I lodged a formal complaint with the Consumer Financial Protection Bureau, Case # XXXX, for willfully disregarding the guidelines set forth by the FRCA. Equifax Experian and TransUnion have responded to the CFPB stating that you could not use the information I provided to block. A reason for being unable to use the information was not readily available. Equifax, Experian, and TransUnion said a dispute would be initiated and provided the Furnishers with the supported document. \nDespite my repeated requests, you have failed to prove that these are my accounts. No reason was provided, no correspondence, and no proof was provided.\n\nDespite submitting an identity theft and police report as part of my dispute, accounts that do not belong to me are still showing up on all three bureaus, significantly impacting my credit score. \nIf we fail to come to a resolution the lawsuit will be for the following violations : Section 605 ( b ) failed to provide a reason my request for blockage was denied. Simply stating that you can not use it is not a valid reason or explanation. Nor does it allow me to correct what is incorrect so that it may be approved for blockage. A fine of no more than {$1000.00} will be imposed every day after the reasonable period of five business days. I received a notification 6 days after providing you with the theft report and the request for blockage, so I will be seeking a total of {$6000.00} for that violation. \nI will also be seeking damages for failing to forward supporting documentation to creditors. I have given you a lease agreement stating that I have lived and resided in XXXX, Ohio, for 32 years ; I do not reside in XXXX XXXX XXXX \n\nXXXX XXXX XXXX  was included in a Bankruptcy XXXX. \n\nXXXX letter verifying that the account was opened fraudulently and a notification to the bureaus for deletion were sent. \n\nXXXX XXXX XXXX XXXX received a letter verifying that my account was fraudulent, and I will request that the information be deleted from my files. How can I live in two places at the same time? The rental lease is attached. I can not live in two places at the same time. \n\nXXXX XXXX XXXX  : This account was opened fraudulently, and I am requesting that information be deleted from my files again. How can I live in XXXX XXXX XXXX  and XXXX, Ohio, with a lease attached? This does not make any sense. \nNote that all the above items returned as verified after you allegedly contacted each creditor directly and sent documents supporting my claim. I will ask for {$1000.00} for each creditor that I disputed and was subsequently removed because of the information I provided on my own. The same documentation that was in your possession at the time of my dispute about identity theft. The Consumer Financial Protection Bureau requires you to forward all supported documents for creditor review. I will be seeking a total of {$11000.00} in total fines and the removal of the accounts identified as identity theft on the theft report and the police report. \nThe following fraudulent accounts are still listed on my report : XXXX XXXXXXXX included in a bankruptcy, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are XXXX  XXXX XXXX XXXX  I am enclosing a completed, notarized theft report, police report, current credit report, a letter listing the accounts, and a copy of Section 605 ( b ) for you to adhere to. Because you are in violation, it can not be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$6700.00} and the removal of the items identified as theft, and we can keep it out of court. Items are to be removed within a 96-hour time frame, and a letter will be sent to the address above as confirmation. I hope that this can be resolved in a timely fashion. \nI look forward to hearing from you.","date_sent_to_company":"2025-04-21T19:50:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":"Older American","has_narrative":true,"complaint_id":"13097008","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-21T19:50:07.000Z","state":"OH","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Even though it is an identity theft claim, a 30-day re-investigation <em>process</em> is required. I have repeatedly tried to resolve this <em>issue</em>, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block."],"company":["<em>EQUIFAX</em>, INC."]},"sort":[9.0022745,"13097008"]},{"_index":"complaint-public-v1","_id":"13097064","_score":8.974051,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO EXPERIAN Equifax and TransUnion Dear Sir or Madam : I am the victim of identity theft. An unknown person got an apartment in my name, opened a XXXX credit card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in bankruptcy. Your Bankruptcy case number is XXXX. All charges were unauthorized, and I did not make them. I did not authorize any transactions on or after this date, XX/XX/XXXX. I did not authorize anyone to get credit in my name. This is a matter of utmost urgency. Please fix my credit immediately.\n\nThis letter will serve as a demand letter/intent to sue notice required by my county. On XX/XX/XXXX, I sent you a certified package. XXXX  Enclosed in that package was A notarized identity theft report, a copy of valid government identification, a current copy of my credit file, a letter stating the items were not authorized by me, and a request to be blocked. The following accounts were listed : Your records will show that I have disputed these items as Not Mine over the years because they do not belong to me. In XX/XX/XXXX, a police report was filed. With XXXX XXXX Police Department XXXX, Ohio On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I called Equifax, Experian, and TransUnion. I was advised that these items would be removed, and they have been removed. Six months later, it was put back on my credit report. Even though it is an identity theft claim, a 30-day re-investigation process is required. I have repeatedly tried to resolve this issue, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this Section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\nOnce those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under Subsection ( a ) of this Section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this Section; and ( 4 ) of the effective dates of the block.\n\nIf Equifax Experian and TransUnion decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block or may rescind any block of information relating to a consumer under this Section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or the consumer requested a block in error ; ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to the consumer. Suppose a block of information is declined or rescinded under this Subsection. In that case, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under Section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within five business days after the reinsertion. \nOn XX/XX/XXXX, I lodged a formal complaint with the Consumer Financial Protection Bureau, Case # XXXX, for willfully disregarding the guidelines set forth by the FRCA. Equifax Experian and TransUnion have responded to the CFPB stating that you could not use the information I provided to block. A reason for being unable to use the information was not readily available. Equifax, Experian, and TransUnion said a dispute would be initiated and provided the Furnishers with the supported document. \nDespite my repeated requests, you have failed to prove that these are my accounts. No reason was provided, no correspondence, and no proof was provided.\n\nDespite submitting an identity theft and police report as part of my dispute, accounts that do not belong to me are still showing up on all three bureaus, significantly impacting my credit score. \nIf we fail to come to a resolution the lawsuit will be for the following violations : Section 605 ( b ) failed to provide a reason my request for blockage was denied. Simply stating that you can not use it is not a valid reason or explanation. Nor does it allow me to correct what is incorrect so that it may be approved for blockage. A fine of no more than {$1000.00} will be imposed every day after the reasonable period of five business days. I received a notification 6 days after providing you with the theft report and the request for blockage, so I will be seeking a total of {$6000.00} for that violation. \nI will also be seeking damages for failing to forward supporting documentation to creditors. I have given you a lease agreement stating that I have lived and resided in XXXX, Ohio, for 32 years ; I do not reside in XXXX XXXX XXXX \n\nXXXX XXXX XXXX  was included in a Bankruptcy XXXX. \n\nXXXX letter verifying that the account was opened fraudulently and a notification to the bureaus for deletion were sent. \n\nXXXX XXXX XXXX XXXX received a letter verifying that my account was fraudulent, and I will request that the information be deleted from my files. How can I live in two places at the same time? The rental lease is attached. I can not live in two places at the same time. \n\nXXXX XXXX XXXX  : This account was opened fraudulently, and I am requesting that information be deleted from my files again. How can I live in XXXX XXXX XXXX  and XXXX, Ohio, with a lease attached? This does not make any sense. \nNote that all the above items returned as verified after you allegedly contacted each creditor directly and sent documents supporting my claim. I will ask for {$1000.00} for each creditor that I disputed and was subsequently removed because of the information I provided on my own. The same documentation that was in your possession at the time of my dispute about identity theft. The Consumer Financial Protection Bureau requires you to forward all supported documents for creditor review. I will be seeking a total of {$11000.00} in total fines and the removal of the accounts identified as identity theft on the theft report and the police report. \nThe following fraudulent accounts are still listed on my report : XXXX XXXXXXXX included in a bankruptcy, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are XXXX  XXXX XXXX XXXX  I am enclosing a completed, notarized theft report, police report, current credit report, a letter listing the accounts, and a copy of Section 605 ( b ) for you to adhere to. Because you are in violation, it can not be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$6700.00} and the removal of the items identified as theft, and we can keep it out of court. Items are to be removed within a 96-hour time frame, and a letter will be sent to the address above as confirmation. I hope that this can be resolved in a timely fashion. \nI look forward to hearing from you.","date_sent_to_company":"2025-04-21T19:50:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":"Older American","has_narrative":true,"complaint_id":"13097064","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-21T19:17:38.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Even though it is an identity theft claim, a 30-day re-investigation <em>process</em> is required. I have repeatedly tried to resolve this <em>issue</em>, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block."]},"sort":[8.974051,"13097064"]},{"_index":"complaint-public-v1","_id":"13097007","_score":8.965651,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"TO EXPERIAN Equifax and TransUnion Dear Sir or Madam : I am the victim of identity theft. An unknown person got an apartment in my name, opened a XXXX credit card, and got a security alarm called XXXX XXXX XXXX. XXXX XXXX was included in bankruptcy. Your Bankruptcy case number is XXXX. All charges were unauthorized, and I did not make them. I did not authorize any transactions on or after this date, XX/XX/XXXX. I did not authorize anyone to get credit in my name. This is a matter of utmost urgency. Please fix my credit immediately.\n\nThis letter will serve as a demand letter/intent to sue notice required by my county. On XX/XX/XXXX, I sent you a certified package. XXXX  Enclosed in that package was A notarized identity theft report, a copy of valid government identification, a current copy of my credit file, a letter stating the items were not authorized by me, and a request to be blocked. The following accounts were listed : Your records will show that I have disputed these items as Not Mine over the years because they do not belong to me. In XX/XX/XXXX, a police report was filed. With XXXX XXXX Police Department XXXX, Ohio On XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX, I called Equifax, Experian, and TransUnion. I was advised that these items would be removed, and they have been removed. Six months later, it was put back on my credit report. Even though it is an identity theft claim, a 30-day re-investigation process is required. I have repeatedly tried to resolve this issue, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this Section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.\n\nOnce those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under Subsection ( a ) of this Section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this Section; and ( 4 ) of the effective dates of the block.\n\nIf Equifax Experian and TransUnion decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block or may rescind any block of information relating to a consumer under this Section if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or the consumer requested a block in error ; ( B ) the information was blocked, or a block was requested by the consumer, based on a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to the consumer. Suppose a block of information is declined or rescinded under this Subsection. In that case, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under Section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within five business days after the reinsertion. \nOn XX/XX/XXXX, I lodged a formal complaint with the Consumer Financial Protection Bureau, Case # XXXX, for willfully disregarding the guidelines set forth by the FRCA. Equifax Experian and TransUnion have responded to the CFPB stating that you could not use the information I provided to block. A reason for being unable to use the information was not readily available. Equifax, Experian, and TransUnion said a dispute would be initiated and provided the Furnishers with the supported document. \nDespite my repeated requests, you have failed to prove that these are my accounts. No reason was provided, no correspondence, and no proof was provided.\n\nDespite submitting an identity theft and police report as part of my dispute, accounts that do not belong to me are still showing up on all three bureaus, significantly impacting my credit score. \nIf we fail to come to a resolution the lawsuit will be for the following violations : Section 605 ( b ) failed to provide a reason my request for blockage was denied. Simply stating that you can not use it is not a valid reason or explanation. Nor does it allow me to correct what is incorrect so that it may be approved for blockage. A fine of no more than {$1000.00} will be imposed every day after the reasonable period of five business days. I received a notification 6 days after providing you with the theft report and the request for blockage, so I will be seeking a total of {$6000.00} for that violation. \nI will also be seeking damages for failing to forward supporting documentation to creditors. I have given you a lease agreement stating that I have lived and resided in XXXX, Ohio, for 32 years ; I do not reside in XXXX XXXX XXXX \n\nXXXX XXXX XXXX  was included in a Bankruptcy XXXX. \n\nXXXX letter verifying that the account was opened fraudulently and a notification to the bureaus for deletion were sent. \n\nXXXX XXXX XXXX XXXX received a letter verifying that my account was fraudulent, and I will request that the information be deleted from my files. How can I live in two places at the same time? The rental lease is attached. I can not live in two places at the same time. \n\nXXXX XXXX XXXX  : This account was opened fraudulently, and I am requesting that information be deleted from my files again. How can I live in XXXX XXXX XXXX  and XXXX, Ohio, with a lease attached? This does not make any sense. \nNote that all the above items returned as verified after you allegedly contacted each creditor directly and sent documents supporting my claim. I will ask for {$1000.00} for each creditor that I disputed and was subsequently removed because of the information I provided on my own. The same documentation that was in your possession at the time of my dispute about identity theft. The Consumer Financial Protection Bureau requires you to forward all supported documents for creditor review. I will be seeking a total of {$11000.00} in total fines and the removal of the accounts identified as identity theft on the theft report and the police report. \nThe following fraudulent accounts are still listed on my report : XXXX XXXXXXXX included in a bankruptcy, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are XXXX  XXXX XXXX XXXX  I am enclosing a completed, notarized theft report, police report, current credit report, a letter listing the accounts, and a copy of Section 605 ( b ) for you to adhere to. Because you are in violation, it can not be overlooked. This ordeal has caused me financial and emotional trauma. I will settle for {$6700.00} and the removal of the items identified as theft, and we can keep it out of court. Items are to be removed within a 96-hour time frame, and a letter will be sent to the address above as confirmation. I hope that this can be resolved in a timely fashion. \nI look forward to hearing from you.","date_sent_to_company":"2025-04-21T19:50:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"43230","tags":"Older American","has_narrative":true,"complaint_id":"13097007","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-21T19:50:07.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Even though it is an identity theft claim, a 30-day re-investigation <em>process</em> is required. I have repeatedly tried to resolve this <em>issue</em>, only to be met with the same result each time.\n\nThis is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block."]},"sort":[8.965651,"13097007"]},{"_index":"complaint-public-v1","_id":"14547537","_score":7.6056685,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Student Loan Debt under the Fair Credit Reporting Act ( FCRA ), Higher Education Act, and Debt Collection Statutes Account Numbers ( Partial ) : [ Insert last XXXX digits of all Aidvantage accounts from report ] To Whom It May Concern, This letter is a formal dispute of the student loan accounts currently being reported under your servicing on behalf of the U.S. Department of Education . Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Higher Education Act ( 20 U.S.C. 1087cc ( c ) ), and applicable consumer protection laws, I demand immediate verification of the debts in question or their full removal from credit reporting and collection activity. \n\n\nDISPUTED ISSUES Your office is reporting multiple student loan accounts under my name, originally issued by or transferred to the U.S. Department of Education. I am challenging the validity, ownership, and reporting accuracy of each of these accounts due to the following critical deficiencies : 1. Absence of Original Signed Documentation I have never been provided a copy of the original signed Master Promissory Note ( MPN ) for any of these loans.\n\nThe MPN is the foundational legal contract proving the existence, amount, and terms of the alleged obligation. Without it, there is no enforceable debt. \n2. Lack of Proper Notice of Servicing Transfers No documentation has been provided showing formal transfer notices between any prior servicers and Aidvantage, as required under 20 U.S.C. 1087cc ( c ) and ED servicing standards.\n\n3. Discrepancies and Duplicate Reporting On my credit reports, several Aidvantage entries are duplicative or reflect inconsistent balances, payment statuses, and open dates. This violates Metro 2 Format and CDIA Guidelines, and is causing material harm to my credit profile.\n\n4. Failure to Provide Debt Validation I request full validation of each debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) if you or your agents are pursuing collection.\n\nYou are required to provide the full account history, payment ledger, original agreement, interest calculations, and any default notices sent.\n\nLEGAL REFERENCES 15 U.S.C. 1681e ( b ) All information furnished to credit reporting agencies must be accurate and verifiable.\n\n15 U.S.C. 1681i ( a ) Upon dispute, all unverifiable information must be deleted.\n\n15 U.S.C. 1692g ( b ) Debt collectors must cease collection and provide validation upon written request.\n\n20 U.S.C. 1087cc ( c ) Requires written notification when a loan is transferred to a new servicer.\n\nDEMAND FOR ACTION Accordingly, I demand the following : 1. Immediately provide a copy of the original signed MPN ( s ) for each account you claim to service on my behalf.\n\n2. Furnish documentation of all servicing transfers, including dates, prior servicers, and borrower notification proof.\n\n3. Cease all credit reporting and collection activity until proper validation is provided.\n\n4. Correct or remove any duplicate, inaccurate, or incomplete entries being reported to the credit bureaus. \nIf you can not comply with these demands within XXXX days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX XXXX Ombudsman, and explore legal action under 15 U.S.C. 1681n/o for negligent or willful noncompliance. \n\n\nExperian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Credit Report Dispute under FCRA, Metro 2, and CDIA Guidelines Subject : Experian Credit Report Report Date : [ Insert Report Date from IdentityIQ ] Dear Experian Dispute Department, This correspondence serves as a formal dispute of multiple inaccurate and unverifiable entries contained in my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and reinforced by XXXX XXXX XXXX and XXXX XXXX, you are legally obligated to investigate and correct or delete all information that can not be verified as accurate, complete, and properly reported. \n\n\nSECTION 1 : Personal Information Discrepancies Issue : The report includes incorrect personal identifiers including outdated addresses and name variations that are not associated with my legal identity.\n\nItems to be Deleted : Former Addresses : Delete all addresses except my current confirmed address : [ Insert Current Address ] Legal Basis : Under 15 U.S.C. 1681e ( b ) and 1681g ( a ), Experian must ensure the information reported is accurate and pertains solely to the consumer. Retaining false identifiers violates federal law and creates identity confusion. \n\nDemand : Immediately delete any erroneous personal information not reflecting my current identity. \n\n\nSECTION 2 : Unauthorized or Inaccurate Inquiries Creditor Name : CAPITAL ONE NA Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was not authorized by me in writing. I did not submit an application that would grant this entity access to my credit file. \n\nLegal Basis : Under 15 U.S.C. 1681b ( c ), a permissible purpose must be present, and no such authorization exists in this case.\n\nDemand : Remove this inquiry immediately as it was made without my express consent and lacks permissible purpose.\n\nSECTION 3 : Negative Account Reporting Charge-Offs & Collections 1. Account Name : XXXX XXXX XXXX Partial Account # : Issue : This debt is unverifiable. I demand validation including the original creditor agreement, chain of title, and full billing history. XXXX has not satisfied these conditions. \n\nLegal Basis : XXXX XXXX XXXX. XXXX, credit reporting agencies must delete or correct information if it can not be verified. Also, per XXXX ( b ), data furnishers must investigate disputes thoroughly. Robo-verifications and e-OSCAR responses do not meet compliance standards. The CFPB has documented this abuse in regulatory actions. \n\nDemand : Delete this account from my credit report if proper documentation is not submitted during the reinvestigation process. \n\n\n2. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is a third-party collection with no supporting documentation validating the debt. XXXX has a known history of sham verification practices. \n\nLegal Basis : Under 15 U.S.C. 1692g and 1681i, the burden lies on the data furnisher and credit bureau to provide sufficient documentation. No such verification has been produced. Without it, continued reporting is a violation of the FCRA and FDCPA.\n\nDemand : Delete this account unless complete validation is provided, including original contract, itemized statements, and proof of assignment. \n\n\nSECTION XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. of Education Loan Servicer : XXXX Partial Account # : Issue : These accounts are disputed on the basis of inaccurate reporting and unverifiable origin. I request validation of the debt, including a signed Master Promissory Note ( MPN ), chain of assignment, and compliance with 20 U.S.C. 1087cc ( c ) which governs loan servicing transfers.\n\nAdditionally, these loans appear under multiple listings with inconsistent status and balance information. This duplicative and inconsistent reporting damages my score and violates Metro 2 formatting guidelines.\n\nLegal Basis : Under 15 U.S.C. 1681e ( b ) and 1681i, information must be accurate and verifiable. Also, under Metro 2, loan servicers are required to furnish accurate coding, dates, and balances. \n\nDemand : Provide the original signed Master Promissory Note for each loan account Provide documentation proving a valid transfer of servicing rights Delete all entries if these can not be provided within XXXX  days as required under the FCRA SECTION 5 : Public Record Dispute Bankruptcy ( If applicable ) If your report contains a bankruptcy : Public Record : XXXX XXXX Bankruptcy Court : [ Insert if available ] Issue : This record is being reported without direct verification from the court, which does not report such data to Experian or any CRA. You are therefore relying on unreliable third-party sources such as XXXX or XXXX. \n\nLegal Basis : According to XXXX v. Experian, reliance on third-party sources without court confirmation fails the verification requirement under 1681i ( a ) ( 1 ) ( A ).\n\nDemand : Delete this bankruptcy from my report as it is unverifiable through appropriate legal channels.\n\nFinal Notice : You are required to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and provide the results within 30 days. If you fail to verify the accuracy of the disputed information, you must delete the items under 1681i ( a ) ( 5 ) ( A ).\n\nAny continued reporting of unverifiable or incorrect data after notice constitutes willful non-compliance and subjects you to liability under 1681n and 1681o.\n\nTransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016 RE : Formal Credit Report Dispute under FCRA, Metro 2, and CDIA Guidelines Subject : TransUnion Credit Report Report Date : [ Use exact report date from IdentityIQ ] Dear TransUnion Dispute Department, I am formally disputing several inaccuracies and unverifiable entries on my TransUnion credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and demand a full reinvestigation under 1681i. Furthermore, all data furnished to you must adhere to the Metro 2 Compliance Format and CDIA Reporting Guidelines. Failure to comply with accurate and complete reinvestigation responsibilities under federal law will result in formal regulatory escalation.\n\nSECTION 1 : Personal Information Discrepancies Issue : My credit report reflects incorrect personal identifiers, including former names and outdated addresses.\n\nItems to be Deleted : Previous Addresses : Remove all except current verified address : [ Insert Current Address ] Legal Basis : Under 15 U.S.C. 1681g ( a ) and 1681e ( b ), the credit reporting agency must maintain complete and accurate records. Retaining outdated or incorrect personal data misrepresents my identity and violates the law.\n\nDemand : Immediately delete all incorrect personal identifiers and addresses that do not reflect my verified information.\n\nSECTION 2 : Unauthorized or Inaccurate Inquiries Account Name : XXXX XXXX XXXX Date of Inquiry : 03/15/2024 Issue : This inquiry was not authorized by me in writing and I did not initiate any application with this entity.\n\nLegal Basis : Under 15 U.S.C. 1681b ( c ), a hard inquiry must be authorized by the consumer or initiated via a permissible purpose. In absence of written consent or permissible purpose, this constitutes a violation of my rights. \n\nDemand : Remove this unauthorized hard inquiry from my credit file immediately. \n\n\nSECTION XXXX : Negative Accounts Charge-Offs & Collections XXXX. Account Name : XXXX XXXX XXXX Partial Account # : Issue : This debt is unverified and lacks original documentation from the original creditor. XXXX is a third-party debt buyer and has not furnished any validation of the account 's legitimacy.\n\nLegal Basis : Under 15 U.S.C. 1681i and 1681s-2, credit bureaus must ensure that the data furnished is accurate and verifiable. Unverified data must be deleted. Furthermore, under Metro 2, data must be reported completely and accurately, including open/closed date matching, payment status, and consumer dispute codes. \n\nDemand : Delete this entry unless XXXX can provide documentation proving a valid chain of title, original creditor agreement, and full billing history. \n\n\n2. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is a collection account that is not properly validated. XXXX is notorious for robo-verification tactics which were addressed in CFPB enforcement actions. \n\nLegal Basis : Per 15 U.S.C. 1692g, and 1681s-2 ( b ), any collector reporting derogatory data must validate the debt with sufficient documentation. XXXX has failed to do so. In addition, CFPB has cited XXXX for improper practices and sham verifications. \n\nDemand : Delete the account unless full validation ( contract, itemized billing, original agreement, and chain of custody ) is provided. I also demand confirmation the item was investigated beyond XXXX auto verification. \n\n\nSECTION XXXX : XXXX XXXX XXXX. of Education Servicer Name : XXXX Partial Account # : [ Match last XXXX digits on report ] Issue : These accounts appear multiple times and are inaccurately reported with inconsistent information. Furthermore, I dispute the legitimacy and enforceability of the debt due to lack of original signed Master Promissory Note ( XXXX ), improper chain of assignment, and lack of due process in transferring servicing rights. \n\nLegal Basis : Under 15 U.S.C. 1681e ( b ) and 1681i, all information must be verifiable. The burden of proof lies with the furnisher. Additionally, reporting of inaccurate balances, terms, or duplicated entries violates Metro 2 standards.\n\nDemand : Provide a signed Master Promissory Note ( MPN ) for each loan.\n\nProvide servicing transfer notices under 20 U.S.C. 1087cc ( c ).\n\nRemove the entries if the above can not be furnished within 30 days as required by law. \n\nSECTION 5 : Bankruptcy If Applicable If no bankruptcy is reported, skip this section. If applicable : Public Record : XXXX XXXX Bankruptcy Filing Court : [ Insert Court Name if available ] Issue : Public record information must be verified directly from the court. Per my inquiry, the court does not furnish information to credit bureaus. \n\nLegal Basis : As ruled in Case Law : XXXX XXXX Experian, consumer reporting agencies can not rely solely on third-party vendors like XXXX or XXXX to verify public records. \n\nDemand : Delete this bankruptcy as it is unverified and unverifiable under 15 U.S.C. 1681i ( a ) and violates procedural compliance requirements.\n\nFinal Notice This letter serves as formal notice under the FCRA. If the requested items are not verified with original documentation within XXXX calendar days, you are required to delete the unverifiable information from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Further failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance under 1681n. \n\n\nEquifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ), Metro 2 Format, and CDIA Guidelines Subject : Equifax Credit Report Report Date : [ Insert Report Date from IdentityIQ ] To Whom It May Concern, This letter serves as formal notice of dispute regarding inaccurate and unverifiable information currently being reported on my XXXX credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding a reinvestigation of all disputed entries. You are further obligated to ensure compliance with the XXXX XXXX XXXX and XXXX XXXX XXXX to maintain accuracy and completeness. \n\n\nSECTION 1 : Inaccurate Personal Information Issue : My XXXX report contains personal identifiers that are incorrect or outdated. \n\nItems to be Deleted : Former Addresses : Delete all addresses except my current confirmed address : [ Insert Verified Current Address ] Relevant Law : 15 U.S.C. 1681e ( b ) Ensures maximum possible accuracy 15 U.S.C. 1681g ( a ) Grants the right to access all information in the consumer 's file Demand : Immediately remove all incorrect names and addresses that do not match my current, verified personal information. \n\n\nSECTION XXXX : Unverified Hard Inquiry Creditor : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry in writing, nor did I initiate a credit-based transaction that would justify it. \n\nRelevant Law : 15 U.S.C. 1681b ( f ) Prohibits obtaining a credit report without a permissible purpose Demand : Remove this inquiry immediately from my credit file due to the lack of permissible purpose and written consent. \n\n\nSECTION XXXX : Negative Accounts Charge-Offs & Collections XXXX. Account Name : XXXX XXXX XXXX Partial Account # : Issue : XXXX is a third-party debt buyer reporting this account without proof of original account ownership, billing history, or contract. \n\nRelevant Law : 15 U.S.C. 1681i ( a ) ( 1 ) Right to dispute and reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher 's obligation to investigate and correct inaccurate data Demand : If LVNV can not produce the original contract, proof of assignment, and full billing statements, this entry must be permanently deleted. \n\n\nXXXX. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is an unverifiable collection being reported by XXXX, a company previously sanctioned by the CFPB for sham verifications and deceptive practices. \n\nRelevant Law : 15 U.S.C. 1692g Right to debt validation under FDCPA 15 U.S.C. 1681i CRAs responsibility to conduct a reasonable reinvestigation Demand : Delete this account unless XXXX can fully validate the debt, including the original creditor contract and itemized statements. Robo-verifications do not meet the reasonable investigation threshold. \n\n\nSECTION XXXX : XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXX Loan Servicer : XXXX Partial Account # : [ Use last XXXX digits listed on report ] Issue : The student loan entries are being reported inaccurately and without proper substantiation. I dispute the validity of these debts on the grounds of the following : No signed Master Promissory Note ( MPN ) has ever been provided No proper notice of assignment or transfer of servicing rights was issued Multiple duplicate entries or inconsistencies exist in balance and status reporting Relevant Law : 15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy 20 U.S.C. 1087cc ( c ) Requires formal notification of loan servicing transfers 15 U.S.C. 1681i Requires deletion of unverified or inaccurately reported data Demand : Provide a copy of each signed MPN Produce documentation of all loan transfers and servicing assignments Delete any entry that can not be verified with original, legally binding documentation SECTION XXXX : Bankruptcy Reporting If Applicable Public Record : XXXX XXXX Bankruptcy Court : [ Insert court name, if applicable ] Issue : If this bankruptcy is being reported based on third-party sources like XXXX or XXXX, and not directly from the court, it constitutes improper verification. \n\nRelevant Law : XXXX v. Experian XXXX agencies can not rely solely on public record vendors 15 U.S.C. 1681i ( a ) ( 1 ) Unverified public records must be removed Demand : Delete this public record unless you can verify it directly with the bankruptcy court, not via third-party databases.\n\nFinal Notice of Compliance Requirement This is a formal dispute under the FCRA. You are obligated to complete a reasonable reinvestigation within 30 days of receipt. If verification can not be substantiated, you must delete the information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Should you fail to comply, I will escalate the matter by filing complaints with the CFPB, FTC, and consider legal action for noncompliance under 1681n and 1681o.","date_sent_to_company":"2025-07-09T15:44:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"491XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14547537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-09T15:43:59.000Z","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":["Further failure to comply will result in a <em>complaint</em> filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance under 1681n. \n\n\n<em>Equifax</em> XXXX XXXX XXXX XXXX."]},"sort":[7.6056685,"14547537"]},{"_index":"complaint-public-v1","_id":"14547538","_score":7.593608,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Student Loan Debt under the Fair Credit Reporting Act ( FCRA ), Higher Education Act, and Debt Collection Statutes Account Numbers ( Partial ) : [ Insert last XXXX digits of all Aidvantage accounts from report ] To Whom It May Concern, This letter is a formal dispute of the student loan accounts currently being reported under your servicing on behalf of the U.S. Department of Education . Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Higher Education Act ( 20 U.S.C. 1087cc ( c ) ), and applicable consumer protection laws, I demand immediate verification of the debts in question or their full removal from credit reporting and collection activity.\n\nDISPUTED ISSUES Your office is reporting multiple student loan accounts under my name, originally issued by or transferred to the U.S. Department of Education. I am challenging the validity, ownership, and reporting accuracy of each of these accounts due to the following critical deficiencies : 1. Absence of Original Signed Documentation I have never been provided a copy of the original signed Master Promissory Note ( MPN ) for any of these loans. \nThe XXXX is the foundational legal contract proving the existence, amount, and terms of the alleged obligation. Without it, there is no enforceable debt. \n2. Lack of Proper Notice of Servicing Transfers No documentation has been provided showing formal transfer notices between any prior servicers and XXXX, as required under 20 U.S.C. 1087cc ( c ) and XXXX servicing standards. \n3. Discrepancies and Duplicate Reporting On my credit reports, several Aidvantage entries are duplicative or reflect inconsistent balances, payment statuses, and open dates. This violates Metro 2 Format and CDIA Guidelines, and is causing material harm to my credit profile.\n\n4. Failure to Provide Debt Validation I request full validation of each debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) if you or your agents are pursuing collection.\n\nYou are required to provide the full account history, payment ledger, original agreement, interest calculations, and any default notices sent.\n\nLEGAL REFERENCES 15 U.S.C. 1681e ( b ) All information furnished to credit reporting agencies must be accurate and verifiable.\n\n15 U.S.C. 1681i ( a ) Upon dispute, all unverifiable information must be deleted.\n\n15 U.S.C. 1692g ( b ) Debt collectors must cease collection and provide validation upon written request.\n\n20 U.S.C. 1087cc ( c ) Requires written notification when a loan is transferred to a new servicer.\n\nDEMAND FOR ACTION Accordingly, I demand the following : 1. Immediately provide a copy of the original signed MPN ( s ) for each account you claim to service on my behalf.\n\n2. Furnish documentation of all servicing transfers, including dates, prior servicers, and borrower notification proof.\n\n3. Cease all credit reporting and collection activity until proper validation is provided.\n\n4. Correct or remove any duplicate, inaccurate, or incomplete entries being reported to the credit bureaus.\n\nIf you can not comply with these demands within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the U.S. XXXX  XXXX XXXX Ombudsman, and explore legal action under 15 U.S.C. 1681n/o for negligent or willful noncompliance. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Credit Report Dispute under FCRA, Metro 2, and CDIA Guidelines Subject : Experian Credit Report Report Date : [ Insert Report Date from IdentityIQ ] Dear XXXX  Dispute Department, This correspondence serves as a formal dispute of multiple inaccurate and unverifiable entries contained in my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and reinforced by Metro 2 Format and CDIA Guidelines, you are legally obligated to investigate and correct or delete all information that can not be verified as accurate, complete, and properly reported. \n\n\nSECTION 1 : Personal Information Discrepancies Issue : The report includes incorrect personal identifiers including outdated addresses and name variations that are not associated with my legal identity. \n\nItems to be Deleted : Former Addresses : Delete all addresses except my current confirmed address : [ Insert Current Address ] Legal Basis : Under 15 U.S.C. 1681e ( b ) and 1681g ( a ), XXXX must ensure the information reported is accurate and pertains solely to the consumer. Retaining false identifiers violates federal law and creates identity confusion. \n\nDemand : Immediately delete any erroneous personal information not reflecting my current identity. \n\n\nSECTION 2 : Unauthorized or Inaccurate Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : This hard inquiry was not authorized by me in writing. I did not submit an application that would grant this entity access to my credit file.\n\nLegal Basis : Under 15 U.S.C. 1681b ( c ), a permissible purpose must be present, and no such authorization exists in this case. \n\nDemand : Remove this inquiry immediately as it was made without my express consent and lacks permissible purpose. \n\n\nSECTION XXXX : Negative Account Reporting Charge-Offs & Collections 1. Account Name : XXXX XXXX XXXX Partial Account # : Issue : This debt is unverifiable. I demand validation including the original creditor agreement, chain of title, and full billing history. XXXX has not satisfied these conditions. \n\nLegal Basis : Under 15 U.S.C. 1681i, credit reporting agencies must delete or correct information if it can not be verified. Also, per 1681s-2 ( b ), data furnishers must investigate disputes thoroughly. Robo-verifications and e-OSCAR responses do not meet compliance standards. The CFPB has documented this abuse in regulatory actions. \n\nDemand : Delete this account from my credit report if proper documentation is not submitted during the reinvestigation process. \n\n\n2. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is a third-party collection with no supporting documentation validating the debt. XXXX has a known history of sham verification practices. \n\nLegal Basis : Under 15 U.S.C. 1692g and 1681i, the burden lies on the data furnisher and credit bureau to provide sufficient documentation. No such verification has been produced. Without it, continued reporting is a violation of the FCRA and FDCPA. \n\nDemand : Delete this account unless complete validation is provided, including original contract, itemized statements, and proof of assignment. \n\n\nSECTION 4 : XXXX XXXX XXXX XXXX XXXX XXXX. of Education Loan Servicer : XXXX Partial Account # : Issue : These accounts are disputed on the basis of inaccurate reporting and unverifiable origin. I request validation of the debt, including a signed Master Promissory Note ( MPN ), chain of assignment, and compliance with 20 U.S.C. 1087cc ( c ) which governs loan servicing transfers. \n\nAdditionally, these loans appear under multiple listings with inconsistent status and balance information. This duplicative and inconsistent reporting damages my score and violates Metro 2 formatting guidelines.\n\nLegal Basis : Under 15 U.S.C. 1681e ( b ) and 1681i, information must be accurate and verifiable. Also, under Metro 2, loan servicers are required to furnish accurate coding, dates, and balances. \n\nDemand : Provide the original signed Master Promissory Note for each loan account Provide documentation proving a valid transfer of servicing rights Delete all entries if these can not be provided within XXXX days as required under the FCRA SECTION XXXX : Public Record Dispute Bankruptcy ( If applicable ) If your report contains a bankruptcy : Public Record : XXXX XXXX XXXX Court : [ Insert if available ] Issue : This record is being reported without direct verification from the court, which does not report such data to Experian or any CRA. You are therefore relying on unreliable third-party sources such as XXXX or XXXX. \n\nLegal Basis : According to XXXXXXXX XXXX XXXX, reliance on third-party sources without court confirmation fails the verification requirement under 1681i ( a ) ( 1 ) ( A ).\n\nDemand : Delete this bankruptcy from my report as it is unverifiable through appropriate legal channels.\n\nFinal Notice : You are required to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and provide the results within 30 days. If you fail to verify the accuracy of the disputed information, you must delete the items under 1681i ( a ) ( 5 ) ( A ).\n\nAny continued reporting of unverifiable or incorrect data after notice constitutes willful non-compliance and subjects you to liability under 1681n and 1681o. \n\n\nTransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Credit Report Dispute under FCRA, Metro 2, and CDIA Guidelines Subject : XXXXn Credit Report Report Date : [ Use exact report date from XXXX ] Dear XXXX Dispute Department, I am formally disputing several inaccuracies and unverifiable entries on my TransUnion credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and demand a full reinvestigation under 1681i. Furthermore, all data furnished to you must adhere to the Metro 2 Compliance Format and CDIA Reporting Guidelines. Failure to comply with accurate and complete reinvestigation responsibilities under federal law will result in formal regulatory escalation.\n\nSECTION 1 : Personal Information Discrepancies Issue : My credit report reflects incorrect personal identifiers, including former names and outdated addresses.\n\nItems to be Deleted : Previous Addresses : Remove all except current verified address : [ Insert Current Address ] Legal Basis : Under 15 U.S.C. 1681g ( a ) and 1681e ( b ), the credit reporting agency must maintain complete and accurate records. Retaining outdated or incorrect personal data misrepresents my identity and violates the law.\n\nDemand : Immediately delete all incorrect personal identifiers and addresses that do not reflect my verified information.\n\nSECTION 2 : Unauthorized or Inaccurate Inquiries Account Name : XXXX XXXXXXXX NA Date of Inquiry : XX/XX/XXXX Issue : This inquiry was not authorized by me in writing and I did not initiate any application with this entity. \n\nLegal Basis : Under 15 U.S.C. 1681b ( c ), a hard inquiry must be authorized by the consumer or initiated via a permissible purpose. In absence of written consent or permissible purpose, this constitutes a violation of my rights.\n\nDemand : Remove this unauthorized hard inquiry from my credit file immediately.\n\nSECTION 3 : Negative Accounts Charge-Offs & Collections 1. Account Name : XXXX XXXX XXXX Partial Account # : Issue : This debt is unverified and lacks original documentation from the original creditor. XXXX is a third-party debt buyer and has not furnished any validation of the account 's legitimacy. \n\nLegal Basis : Under 15 U.S.C. 1681i and 1681s-2, credit bureaus must ensure that the data furnished is accurate and verifiable. Unverified data must be deleted. Furthermore, under Metro 2, data must be reported completely and accurately, including open/closed date matching, payment status, and consumer dispute codes. \n\nDemand : Delete this entry unless XXXX can provide documentation proving a valid chain of title, original creditor agreement, and full billing history. \n\n\n2. Account Name : XXXX XXXX XXXX XXXX Partial Account # : Issue : This is a collection account that is not properly validated. XXXX is notorious for robo-verification tactics which were addressed in CFPB enforcement actions. \n\nLegal Basis : Per 15 U.S.C. 1692g, and 1681s-2 ( b ), any collector reporting derogatory data must validate the debt with sufficient documentation. XXXX has failed to do so. In addition, CFPB has cited XXXX for improper practices and sham verifications. \n\nDemand : Delete the account unless full validation ( contract, itemized billing, original agreement, and chain of custody ) is provided. I also demand confirmation the item was investigated beyond e-OSCAR auto verification. \n\n\nSECTION 4 : XXXX XXXX XXXX. of Education Servicer Name : XXXX Partial Account # : [ Match last XXXX digits on report ] Issue : These accounts appear multiple times and are inaccurately reported with inconsistent information. Furthermore, I dispute the legitimacy and enforceability of the debt due to lack of original signed Master Promissory Note ( XXXX ), improper chain of assignment, and lack of due process in transferring servicing rights. \n\nLegal Basis : XXXXnder 15 U.S.C. 1681e ( b ) and 1681i, all information must be verifiable. The burden of proof lies with the furnisher. Additionally, reporting of inaccurate balances, terms, or duplicated entries violates Metro 2 standards.\n\nDemand : Provide a signed Master Promissory Note ( MPN ) for each loan.\n\nProvide servicing transfer notices under 20 U.S.C. 1087cc ( c ). \nRemove the entries if the above can not be furnished within XXXX days as required by law. \n\nSECTION 5 : Bankruptcy If Applicable If no bankruptcy is reported, skip this section. If applicable : Public Record : CXXXX XXXX XXXX Filing Court : [ Insert Court Name if available ] Issue : Public record information must be verified directly from the court. Per my inquiry, the court does not furnish information to credit bureaus. \n\nLegal Basis : As ruled in Case Law : XXXX XXXXXXXX XXXX consumer reporting agencies can not rely solely on third-party vendors like XXXX or XXXX to verify public records. \n\nDemand : Delete this bankruptcy as it is unverified and unverifiable under 15 U.S.C. 1681i ( a ) and violates procedural compliance requirements.\n\nFinal Notice This letter serves as formal notice under the FCRA. If the requested items are not verified with original documentation within XXXX calendar days, you are required to delete the unverifiable information from my credit file under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). Further failure to comply will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance under XXXX. \n\n\nEquifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, and XXXX Guidelines Subject : Equifax Credit Report Report XXXX : [ Insert Report Date from XXXX ] To Whom It May Concern, This letter serves as formal notice of dispute regarding inaccurate and unverifiable information currently being reported on my XXXX credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding a reinvestigation of all disputed entries. You are further obligated to ensure compliance with the Metro 2 Format and CDIA Reporting Guidelines to maintain accuracy and completeness.\n\nSECTION 1 : Inaccurate Personal Information Issue : My XXXX report contains personal identifiers that are incorrect or outdated. \n\nItems to be Deleted : Former Addresses : Delete all addresses except my current confirmed address : [ Insert Verified Current Address ] Relevant Law : 15 U.S.C. 1681e ( b ) Ensures maximum possible accuracy 15 U.S.C. 1681g ( a ) Grants the right to access all information in the consumer 's file Demand : Immediately remove all incorrect names and addresses that do not match my current, verified personal information. \n\n\nSECTION 2 : Unverified Hard Inquiry Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : I did not authorize this hard inquiry in writing, nor did I initiate a credit-based transaction that would justify it.\n\nRelevant Law : 15 U.S.C. 1681b ( f ) Prohibits obtaining a credit report without a permissible purpose Demand : Remove this inquiry immediately from my credit file due to the lack of permissible purpose and written consent.\n\nSECTION 3 : Negative Accounts Charge-Offs & Collections 1. Account Name : XXXX XXXX XXXX Partial Account # : Issue : XXXX is a third-party debt buyer reporting this account without proof of original account ownership, billing history, or contract. \n\nRelevant Law : 15 U.S.C. 1681i ( a ) ( 1 ) Right to dispute and reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher 's obligation to investigate and correct inaccurate data Demand : If LVNV can not produce the original contract, proof of assignment, and full billing statements, this entry must be permanently deleted.\n\n2. Account Name : XXXX XXXX XXXX XXXX  Partial Account # : Issue : This is an unverifiable collection being reported by XXXX, a company previously sanctioned by the CFPB for sham verifications and deceptive practices. \n\nRelevant Law : 15 U.S.C. 1692g Right to debt validation under FDCPA 15 U.S.C. 1681i CRAs responsibility to conduct a reasonable reinvestigation Demand : Delete this account unless XXXX can fully validate the debt, including the original creditor contract and itemized statements. Robo-verifications do not meet the reasonable investigation threshold. \n\n\nSECTION XXXX : XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXX Servicer : XXXX Partial Account # : [ Use last XXXX digits listed on report ] Issue : The student loan entries are being reported inaccurately and without proper substantiation. I dispute the validity of these debts on the grounds of the following : No signed Master Promissory Note ( MPN ) has ever been provided No proper notice of assignment or transfer of servicing rights was issued Multiple duplicate entries or inconsistencies exist in balance and status reporting Relevant Law : 15 U.S.C. 1681e ( b ) Mandates maximum possible accuracy 20 U.S.C. 1087cc ( c ) Requires formal notification of loan servicing transfers 15 U.S.C. 1681i Requires deletion of unverified or inaccurately reported data Demand : Provide a copy of each signed MPN Produce documentation of all loan transfers and servicing assignments Delete any entry that can not be verified with original, legally binding documentation SECTION 5 : Bankruptcy Reporting If Applicable Public Record : XXXX XXXX XXXX  Court : [ Insert court name, if applicable ] Issue : If this bankruptcy is being reported based on third-party sources like XXXX or XXXX, and not directly from the court, it constitutes improper verification. \n\nRelevant Law : XXXXXXXX XXXX XXXX Reporting agencies can not rely solely on public record vendors 15 U.S.C. 1681i ( a ) ( 1 ) Unverified public records must be removed Demand : Delete this public record unless you can verify it directly with the bankruptcy court, not via third-party databases. \n\n\n\nFinal Notice of Compliance Requirement This is a formal dispute under the FCRA. You are obligated to complete a reasonable reinvestigation within 30 days of receipt. If verification can not be substantiated, you must delete the information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Should you fail to comply, I will escalate the matter by filing complaints with the CFPB, FTC, and consider legal action for noncompliance under 1681n and 1681o.","date_sent_to_company":"2025-07-09T15:44:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"491XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14547538","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-09T15:43:59.000Z","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":["Further failure to comply will result in a <em>complaint</em> filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance under XXXX. \n\n\n<em>Equifax</em> XXXX XXXX XXXX XXXX."]},"sort":[7.593608,"14547538"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":44,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":44}]}},"product":{"doc_count":44,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":44,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":44}]}}]}},"issue":{"doc_count":44,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":21,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":9},{"key":"Account information incorrect","doc_count":6},{"key":"Account status incorrect","doc_count":6}]}},{"key":"Problem with a 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":"Was not notified of investigation status or results","doc_count":3}]}},{"key":"Improper use of your report","doc_count":11,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":11}]}}]}},"timely":{"doc_count":44,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":44}]}},"company_response":{"doc_count":44,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":22},{"key":"Closed with non-monetary relief","doc_count":22}]}},"submitted_via":{"doc_count":44,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":44}]}},"company":{"doc_count":44,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":30},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":8},{"key":"Experian Information Solutions Inc.","doc_count":5},{"key":"TRANSWORLD SYSTEMS INC","doc_count":1}]}},"state":{"doc_count":44,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":5},{"key":"FL","doc_count":5},{"key":"TX","doc_count":5},{"key":"MI","doc_count":4},{"key":"KY","doc_count":3},{"key":"MO","doc_count":3},{"key":"NJ","doc_count":3},{"key":"OH","doc_count":3},{"key":"PR","doc_count":3},{"key":"SC","doc_count":3},{"key":"LA","doc_count":2},{"key":"NY","doc_count":2},{"key":"PA","doc_count":2},{"key":"TN","doc_count":1}]}},"company_public_response":{"doc_count":44,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":13}]}},"tags":{"doc_count":44,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":3},{"key":"Older American, Servicemember","doc_count":2},{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[7.5944066,"14547538"]}}}